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India Hindi (हिन्दी) ₹ INR
Abhishek works long hours in a busy restaurant, balancing his small salary with the dreams of his family back home. He relies on central government portals for his identity documents and social security, always looking for ways to stretch his income further.
National All India 24 Andaman and Nicobar Islands AN 8 Andhra Pradesh AP 7 Arunachal Pradesh AR 5 Assam AS 6 Bihar BR 6 Chhattisgarh CG 5 Chandigarh CH 8 Delhi DL 6 Dadra and Nagar Haveli and Daman and Diu DN 4 Goa GA 5 Gujarat GJ 6 Himachal Pradesh HP 4 Haryana HR 5 Jharkhand JH 6 Jammu and Kashmir JK 4 Karnataka KA 6 Kerala KL 6 Ladakh LA 4 Lakshadweep LD 6 Maharashtra MH 5 Meghalaya ML 5 Manipur MN 6 Madhya Pradesh MP 5 Mizoram MZ 5 Nagaland NL 8 Odisha OD 5 Punjab PB 5 Puducherry PY 7 Rajasthan RJ 4 Sikkim SK 6 Tamil Nadu TN 6 Tripura TR 6 Telangana TS 6 Uttarakhand UK 7 Uttar Pradesh UP 6 West Bengal WB 6 Without these, I cannot open a bank account, get a SIM card, or prove who I am to my employer.
Aadhaar Card आधार कार्ड national · UIDAI
Who qualifies Every resident of India.
What you get A 12-digit unique identity number used for all government services.
What it actually costs you Free for first-time enrollment; nominal fee for updates.
Common gotcha If your mobile number isn't linked, you can't access most online services.
PAN Card पैन कार्ड national · Income Tax Department
Who qualifies Any individual earning an income.
What you get A permanent account number for tax and financial transactions.
What it actually costs you Around ₹107; requires proof of identity and address.
Common gotcha Name on PAN must match exactly with Aadhaar to link them.
e-Shram Portal ई-श्रम पोर्टल national · Ministry of Labour and Employment
Who qualifies Unorganized sector workers like waiters and delivery staff.
What you get Accident insurance coverage of ₹2 lakh and access to welfare schemes.
What it actually costs you Free; requires Aadhaar and bank account details.
Common gotcha Many think this is a direct cash transfer scheme; it is a database for benefits.
DigiLocker डिजिलॉकर national · MeitY
Who qualifies Any citizen with an Aadhaar number.
What you get Digital storage for driving license, marksheet, and insurance papers.
What it actually costs you Free app download.
Common gotcha Documents are legally equivalent to originals, but traffic police sometimes demand physical copies.
Voter ID (EPIC) मतदाता पहचान पत्र national · Election Commission of India
Who qualifies Citizens over 18 years of age.
What you get Right to vote and a valid identity proof.
What it actually costs you Free; requires proof of residence.
Common gotcha Updating your address when you move cities is a slow process.
Passport Seva पासपोर्ट सेवा national · Ministry of External Affairs
Who qualifies Indian citizens.
What you get International travel document and strong ID proof.
What it actually costs you ₹1,500 for a standard 36-page booklet.
Common gotcha Police verification can be delayed if your address history is complex. I need safe places to keep my savings and insurance for when I am old.
Pradhan Mantri Jan Dhan Yojana प्रधानमंत्री जन धन योजना national · Department of Financial Services
Who qualifies Unbanked individuals.
What you get Zero-balance savings account with RuPay debit card.
What it actually costs you Free; just need KYC documents.
Common gotcha The overdraft facility is not automatic; you must use the account for 6 months.
Atal Pension Yojana अटल पेंशन योजना national · PFRDA
Who qualifies Citizens aged 18-40.
What you get Guaranteed monthly pension of ₹1,000 to ₹5,000 after age 60.
What it actually costs you Small monthly contribution based on age.
Common gotcha If you stop paying, the account can be closed and money returned with penalties.
Pradhan Mantri Suraksha Bima Yojana प्रधानमंत्री सुरक्षा बीमा योजना national · Department of Financial Services
Who qualifies Bank account holders aged 18-70.
What you get Accidental death or disability cover of ₹2 lakh.
What it actually costs you ₹20 per year deducted from bank account.
Common gotcha You must renew it every year if not set to auto-debit.
Pradhan Mantri Jeevan Jyoti Bima Yojana प्रधानमंत्री जीवन ज्योति बीमा योजना national · Department of Financial Services
Who qualifies Bank account holders aged 18-50.
What you get Life insurance cover of ₹2 lakh.
What it actually costs you ₹436 per year.
Common gotcha It is a term plan, meaning no money is returned if you survive the year.
Sukanya Samriddhi Yojana सुकन्या समृद्धि योजना national · Ministry of Finance
Who qualifies Parents of a girl child under 10.
What you get High-interest savings scheme for daughter's education/marriage.
What it actually costs you Minimum deposit of ₹250 per year.
Common gotcha Money is locked until the girl turns 18.
Post Office Recurring Deposit डाकघर आरडी national · India Post
Who qualifies Any citizen.
What you get Safe monthly savings with government-backed interest.
What it actually costs you Minimum ₹100 per month.
Common gotcha If you miss a payment, you have to pay a small penalty. A single hospital bill can ruin my family's finances. I need affordable care.
Ayushman Bharat PM-JAY आयुष्मान भारत national · National Health Authority
Who qualifies Low-income families identified by SECC data.
What you get ₹5 lakh health cover per family per year for hospitalisation.
What it actually costs you Free; check eligibility on the portal.
Common gotcha Not all hospitals accept it; check the empanelled list first.
Pradhan Mantri Bhartiya Janaushadhi Pariyojana जन औषधि national · Department of Pharmaceuticals
Who qualifies Anyone needing medicine.
What you get Generic medicines at 50-90% lower prices than branded ones.
What it actually costs you Just the cost of the medicine.
Common gotcha Some doctors refuse to write generic names, but you can ask the pharmacist for the generic equivalent.
Employees' State Insurance (ESI) ईएसआईसी national · ESIC Corporation
Who qualifies Workers in establishments with 10+ employees.
What you get Full medical care for self and family, plus cash benefits during sickness.
What it actually costs you Small deduction from salary.
Common gotcha Your employer must register you; if they don't, you lose benefits.
Swachh Bharat Mission स्वच्छ भारत मिशन national · Ministry of Housing and Urban Affairs
Who qualifies Households without toilets.
What you get Financial assistance to build a private toilet.
What it actually costs you Construction effort; subsidy is provided.
Common gotcha The subsidy is often paid after construction, not before.
ABHA (Ayushman Bharat Health Account) आभा national · National Health Authority
Who qualifies Any citizen.
What you get Digital health records in one place.
What it actually costs you Free.
Common gotcha It doesn't provide insurance itself, it just stores your records.
Co-WIN Portal कोविन national · Ministry of Health and Family Welfare
Who qualifies Any citizen.
What you get Vaccination booking and certificates.
What it actually costs you Free.
Common gotcha Name on certificate must match ID card exactly. Food is my biggest expense. Subsidized rations are essential.
Public Distribution System (Ration Card) राशन कार्ड national · Department of Food and Public Distribution
Who qualifies Low-income families.
What you get Subsidized wheat, rice, and sugar.
What it actually costs you Minimal cost per kg.
Common gotcha You must link your Aadhaar to your ration card to get grains.
One Nation One Ration Card वन नेशन वन राशन कार्ड national · Department of Food and Public Distribution
Who qualifies Migrant workers with a ration card.
What you get Ability to pick up rations in any state.
What it actually costs you Free.
Common gotcha Biometric authentication at the new shop can sometimes fail.
Pradhan Mantri Ujjwala Yojana प्रधानमंत्री उज्ज्वला योजना national · Ministry of Petroleum and Natural Gas
Who qualifies Women from low-income households.
What you get Free LPG connection.
What it actually costs you You still pay for the gas refills.
Common gotcha Many people stop using it because refills are expensive.
Pradhan Mantri Awas Yojana (Urban) प्रधानमंत्री आवास योजना national · Ministry of Housing and Urban Affairs
Who qualifies Economically Weaker Sections (EWS).
What you get Subsidy for building or buying a house.
What it actually costs you Requires land ownership or specific housing project.
Common gotcha The waiting list is very long.
PM SVANidhi पीएम स्वनिधि national · Ministry of Housing and Urban Affairs
Who qualifies Street vendors.
What you get Collateral-free working capital loan of up to ₹50,000.
What it actually costs you Low interest; requires vendor registration.
Common gotcha You need a letter of recommendation from your local municipal body.
National Scholarship Portal नेशनल स्कॉलरशिप पोर्टल national · Ministry of Education
Who qualifies Students from low-income families.
What you get Financial aid for school or college fees.
What it actually costs you Requires income certificate and school documents.
Common gotcha Deadlines are strict; apply early in the academic year.
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