One has only to look at the progress of the Public Provident Fund scheme, another voluntary social security scheme that was floated decades ago in 1968. Most recent numbers show that the Public Provident Fund scheme, which currently allows individuals to invest between Rs 500 and Rs 70,000 in a fiscal year, had covered only 0.8% of the labour force by the turn of the decade. Even the Employees Provident Fund, which has the maximum coverage, barely touches 6% of the workforce. This gives some indication of the challenges that distribution agencies face in motivating the huge unorganised sector workforce into the NPS. Other improvements like the introduction of the NPS with withdrawable accounts at the beginning of the next year will also further improve its attractiveness. But such minor innovations alone cannot provide the critical mass required to push the programme onto a faster track. This can take place only if the regulator and social welfare arms of central and state governments act in tandem and try to incorporate the message in other large government programmes like the NREG to improve awareness. The regulator would also have to ally with employers and workers organisations and start a concerted drive to push up enrolment rates.