Gig workers working for e-commerce platforms like Zomato, Swiggy, Blinkit, and Urban Company can also receive pensions. A new framework has been introduced under the National Pension System (NPS), allowing these workers to start their retirement fund with a small contribution of just ₹99. The Pension Fund Regulatory and Development Authority (PFRDA) announced this new facility on Wednesday, which will directly benefit millions of gig workers.

The PFRDA stated that platform workers can now invest in NPS at their convenience. The regulator clarified that while your work may depend on your next booking, your retirement does not. There are no strict investment rules imposed under this new initiative. Gig workers can start their account with a small contribution of just ₹99, thus reducing their financial burden.

Deposit any amount

The best part of this unique NPS framework is that there is no minimum or maximum investment limit. While it starts with ₹99, workers can contribute as much as they wish. Furthermore, contributions to this scheme can be made jointly by the platform and the worker, or by the worker individually. In many cases, the platform aggregator can also make the entire contribution on behalf of the worker.

A Model Similar to Corporate NPS

The PFRDA launched this NPS e-Shramik model through a circular dated October 29, 2025. Its primary objective is to bring service providers through digital platforms under the ambit of social security and NPS. This model is largely similar to the Corporate NPS model, but has been made more flexible, specifically keeping in mind the needs of the gig economy and the uncertain income of platform workers.

Companies Free From Hassle

To simplify the scheme, companies have been exempted from the hassle of separate registration with the Public Sector Undertaking (PFRDA). Instead, NPS account opening entities, known as Points of Presence (POPs), can directly enter into agreements with aggregators. Under these agreements, companies like Zomato or Swiggy can easily enroll delivery partners or service providers operating on their platforms into the NPS scheme.

How to Apply

The onboarding process for workers is also completed in just two easy steps. First, the worker’s name, address, PAN card, mobile number, and bank details are verified through Aadhaar-based e-KYC. Following this, their Permanent Retirement Account Number (PRAN) is generated with the worker’s consent. Initially, the platform may choose the investment scheme and pension fund, but the worker has the freedom to change these options at will.

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