NPS e-Shramik: PFRDA Allows Platform Workers to Contribute ₹99 Without Fixed Limits

The Pension Fund Regulatory and Development Authority (PFRDA) has explained how platform workers can contribute to the National Pension System (NPS). In a CNBC TV18 news report citing a post on X on August 12, 2026, it said there is no fixed minimum or maximum contribution under the framework. 

PFRDA used ₹99 as an example of a possible contribution. It is not a minimum amount set by the regulator. Workers and platforms can decide the minimum amount for individual transactions. 

NPS e-shramik Model 

The framework was introduced in October 2025 through the NPS e-shramik (Platform Service Partner) Model. It applies to gig workers and others who provide services through digital platforms. 

The contribution arrangement follows the NPS Corporate Model. The worker and platform aggregator can contribute together, while either side can also make the full contribution. 

Platforms Covered Under Framework 

The model covers aggregators in sectors including food delivery, mobility, quick-commerce, and home services. PFRDA’s October 2025 circular mentioned Zomato, Swiggy, Blinkit, Ola, Uber and Urban Company as examples. 

Workers are onboarded through Points of Presence (PoPs) associated with platform aggregators. The registration process starts with KYC details such as name, address, PAN, mobile number, and bank account information. 

PRAN and Nominee Details 

KYC can be completed through Aadhaar-based e-KYC or other permitted methods. A Permanent Retirement Account Number (PRAN) can be generated after the worker gives consent. 

Parental details, email ID, and nominee information can be submitted after the initial registration. Nominee details must be recorded within 60 days of onboarding. 

Portability and Charges 

An account opened through one platform aggregator can later be ported to another aggregator. This allows the same NPS account to continue if a worker changes platforms. 

PoPs cannot charge an onboarding fee while the applicable incentive arrangement is in place. PFRDA had offered eligible PoPs up to ₹100 per new account, subject to conditions including an initial contribution and the account staying active for at least one year.  

The incentive covered registrations up to March 31, 2026. 

Exit and Withdrawal 

Platform workers follow the exit and withdrawal rules under the NPS All Citizen Model. The ₹99 figure is therefore an example of a contribution amount, not a compulsory minimum under the NPS e-shramik framework. 

Read More: EPFO Issues Over 1.49 Lakh Pension Orders for Higher Contributions: How to Verify Claims! 

Conclusion  

The ₹99 contribution cited by PFRDA is not a mandatory minimum. Platform workers remain subject to the NPS All Citizen Model’s exit and withdrawal rules. 

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