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About 91% of India's workforce of 520 million is informal, lacking social insurance. However, this paper finds the Social Security Code 2020 wanting, but with potential for universalizing social insurance. The paper spells out the principles that should guide social insurance for informal workers; and presents the design and architecture for extending coverage. It shows how realistically, over the next 10–15 years, social insurance could cover the entire workforce, in accordance with ILO Conventions. It also estimates the fiscal cost of social insurance, for the first five years, and spells out the political economy, fiscal and administrative challenges to universalisation. [ABSTRACT FROM AUTHOR]

Private sector growth in education is the new neo‐liberal mantra. Based on data generated by a representative sample survey in eight states, six of which account for two‐thirds of the children out of school in India, this paper examines the private sector in elementary education in India, and compares its characteristics with government schools. It argues that the majority of private schools at the lower end of a segmented private sector do not contribute to gender and social equity. Despite their better physical facilities their teachers are poorly paid and trained; and although their outcome and process indicators are better than for government schools, they remain unregulated and offer a poor alternative to low quality government schools. [ABSTRACT FROM AUTHOR]