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HomeMICROFINANCEDvara Analysis Weblog | The monetary lives of platform employees: A diaries...

Dvara Analysis Weblog | The monetary lives of platform employees: A diaries research in Bengaluru, India


Rakshith S. Ponnathpur
Dvara Analysis
Risha Ramachandran
Dvara Analysis


Gig platforms have turn out to be ubiquitous in city India lately. In line with NITI Aayog, India presently has about 7.7 million gig (platform) employees, a quantity that it expects will attain 24 million by 2030. At the same time as gig financial system blooms, there are rising protests by gig employees about their working situations, low pay, and lack of fundamental social safety, prompting teachers from numerous disciplines to intently research the gig (platform) financial system. Nonetheless, one hole on this quickly increasing subject of literature is relating to their monetary lives. Our research goals to fill this hole by documenting the character of platform work and the way it’s shaping the (monetary) lives of platform employees and their households. Via a combined strategies method that included focus group discussions, private interviews, baseline surveys, and monetary diaries, we collect insights from about 35 platform employees working with greater than eight platforms in Bangalore – and coming from totally different age teams, genders, domicile statuses, platform segments ­­– about their expertise(s) working with platforms, their earnings, bills, cashflows, financial savings, borrowings, pension, insurance coverage, time-use, previous work, future work, monetary objectives, and many others. 

We discover that as platforms have established themselves and grown to turn out to be monopsonies within the labour market, platform employees’ expertise with platform work has worsened, earnings diminished, advantages discontinued, whereas extra prices and dangers have shifted on their shoulders. Staff discover it difficult to maintain such prices and keep their family funds and subsequently resort to taking loans far more continuously than they put aside any financial savings. Platforms, by advantage of being monopsonist, even have the ability to design the cost construction in a method that compels employees to remain obtainable and search work for lengthy hours. That is finished primarily by incentives that type a considerable a part of earnings and are conditional on the depth of employees’ engagement with platforms. However employees will not be assured to earn incentives regardless of placing in all the trouble from their finish, thus making their incomes unstable. An ever-expanding pool of platform employees and fluctuating buyer demand pressure them to continually keep hyper-vigilant and compete for jobs with fellow employees, including additional to their bodily and psychological stress and exacerbating their day-to-day earnings volatility. Many take into account platform work as unsustainable in the long term and have set objectives for his or her future outdoors the platform financial system, with most of them preferring some or the opposite type of self-employment. However they discover it tough to work actively in the direction of reaching these objectives, given the day-to-day challenges of their work and cash administration. Regardless of the numerous challenges confronted in and complaints about platform work, employees proceed – and aspiring employees are flocking – to work within the platform financial system in the meanwhile as a result of there’s a lack of different employment avenues presently within the Indian labour market that may assure them comparable earnings for his or her degree of training and expertise.

For extra detailed insights on the lives and funds of gig employees, learn the government abstract and full report.

Cite this report


Ponnathpur, R., & Ramachandran, R. (2023). The monetary lives of platform employees: A diaries research in Bengaluru, India. Retrieved from Dvara Analysis.


Ponnathpur, Rakshith and Risha Ramachandran. “The monetary lives of platform employees: A diaries research in Bengaluru, India.” 2023. Dvara Analysis.


Ponnathpur, Rakshith, and Risha Ramachandran. 2023. “The monetary lives of platform employees: A diaries research in Bengaluru, India.” Dvara Analysis.

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