What RPFFO 3.0 proposes: Pension for all, social security for gig workers
Policy proposals around a universal pension floor and social security expansion for gig and informal workers raise core questions of social justice, fiscal sustainability, and labour-market reform.
- The Employees' Provident Fund Organisation administers provident fund-related social-security schemes for covered workers in India.
- Gig workers often remain outside conventional employment-based social-security systems.
- The reform discussion seeks wider pension coverage and broader social-security protection for informal and non-traditional workers.
The policy discussion around EPFO 3.0 focuses on a wider social-security architecture for India’s workforce. The core idea is to move toward pensions for all and better protection for gig workers, who often remain outside conventional employment-based benefits.
The proposal matters because India’s labour market has a large informal and non-traditional workforce. A pension and social-security framework that reaches beyond regular salaried employment would address a recurring gap in social protection, but it would also require careful design to remain financially viable and administratively workable.
What the proposal is trying to address
UPSC may ask how pension and social-security design can be expanded to informal and gig workers without undermining fiscal sustainability, administrative feasibility, and equity.
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