← All India hubs Inventory Clerk
India Hindi (हिन्दी) ₹ INR
Akash is an inventory clerk working in a mid-sized warehouse, balancing his monthly salary with the rising cost of living in an urban center. He relies on a mix of digital government portals and social security schemes to manage his family's finances, health, and future. This hub covers the essential national schemes that support his daily life and long-term security.
National All India 24 Andaman and Nicobar Islands AN 8 Andhra Pradesh AP 6 Arunachal Pradesh AR 7 Assam AS 5 Bihar BR 7 Chhattisgarh CG 4 Chandigarh CH 8 Delhi DL 6 Dadra and Nagar Haveli and Daman and Diu DN 6 Goa GA 6 Gujarat GJ 6 Himachal Pradesh HP 7 Haryana HR 7 Jharkhand JH 6 Jammu and Kashmir JK 5 Karnataka KA 8 Kerala KL 6 Ladakh LA 6 Lakshadweep LD 7 Maharashtra MH 6 Meghalaya ML 7 Manipur MN 6 Madhya Pradesh MP 6 Mizoram MZ 5 Nagaland NL 7 Odisha OD 7 Punjab PB 5 Puducherry PY 7 Rajasthan RJ 5 Sikkim SK 5 Tamil Nadu TN 7 Tripura TR 5 Telangana TS 5 Uttarakhand UK 6 Uttar Pradesh UP 7 West Bengal WB 5 Managing monthly income and building a small safety net for the family.
Employees' Provident Fund कर्मचारी भविष्य निधि national · EPFO
Who qualifies Salaried employees in establishments with 20+ workers.
What you get 12% of basic salary matched by employer, plus interest.
What it actually costs you 12% salary deduction; requires UAN activation.
Common gotcha Changing jobs often leads to forgotten UANs; keep your UAN linked to your Aadhaar.
Employees' State Insurance कर्मचारी राज्य बीमा निगम national · ESIC
Who qualifies Employees earning up to ₹21,000 per month.
What you get Full medical care for self and family, plus sickness benefits.
What it actually costs you 0.75% of wages; employer contributes 3.25%.
Common gotcha Finding an empanelled dispensary nearby can be difficult in new industrial areas.
National Pension System राष्ट्रीय पेंशन प्रणाली national · PFRDA
Who qualifies Any Indian citizen aged 18-70.
What you get Market-linked pension corpus for retirement.
What it actually costs you Minimum ₹500 per contribution; PAN and bank account required.
Common gotcha It is a long-term lock-in; premature withdrawal is restricted.
Public Provident Fund लोक भविष्य निधि national · Ministry of Finance
Who qualifies Any Indian resident.
What you get Tax-free interest on long-term savings.
What it actually costs you Minimum ₹500 per year; 15-year maturity.
Common gotcha You cannot withdraw the full amount before 15 years without specific conditions.
Sukanya Samriddhi Yojana सुकन्या समृद्धि योजना national · Ministry of Finance
Who qualifies Parents of a girl child under 10 years.
What you get High-interest savings for daughter's education/marriage.
What it actually costs you Minimum ₹250 annual deposit.
Common gotcha Only two accounts allowed per family (three in case of twins).
PM Street Vendor's AtmaNirbhar Nidhi पीएम स्वनिधि योजना national · Ministry of Housing and Urban Affairs
Who qualifies Street vendors active before March 2020.
What you get Collateral-free working capital loan up to ₹50,000.
What it actually costs you Aadhaar-linked mobile number and Vending Certificate.
Common gotcha The interest subsidy is only credited if you repay on time. Accessing affordable healthcare and insurance to avoid debt.
Ayushman Bharat PM-JAY आयुष्मान भारत प्रधानमंत्री जन आरोग्य योजना national · National Health Authority
Who qualifies Low-income families identified in SECC 2011 data.
What you get ₹5 lakh annual health cover per family for secondary/tertiary care.
What it actually costs you Free; requires Ayushman card.
Common gotcha Many private hospitals refuse to accept it; check the list on the portal first.
Pradhan Mantri Bhartiya Janaushadhi Pariyojana प्रधानमंत्री भारतीय जन औषधि परियोजना national · Department of Pharmaceuticals
Who qualifies General public.
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 Stock availability varies; keep a list of generic names handy.
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/disability cover of ₹2 lakh.
What it actually costs you ₹20 annual premium (auto-debited).
Common gotcha Must renew 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 annual premium.
Common gotcha Only covers death; does not provide maturity benefits.
Ayushman Bharat Digital Mission आयुष्मान भारत डिजिटल मिशन national · National Health Authority
Who qualifies All Indian citizens.
What you get Unique Health ID (ABHA) to store medical records digitally.
What it actually costs you Aadhaar/Mobile number; 5 minutes online.
Common gotcha Many clinics still don't know how to link records to the ABHA ID.
National Health Helpline national · Ministry of Health and Family Welfare
Who qualifies Any citizen.
What you get Information on health schemes and COVID/emergency support.
What it actually costs you Free call.
Common gotcha Wait times can be long during peak health crises. Essential for job verification, banking, and accessing government services.
Aadhaar Services आधार national · UIDAI
Who qualifies All residents.
What you get Universal identity proof.
What it actually costs you Small fee (₹50) for biometric/address updates.
Common gotcha Mobile number must be linked to receive OTPs for all other services.
DigiLocker डिजिलॉकर national · MeitY
Who qualifies All citizens with Aadhaar.
What you get Digital repository for driving license, PAN, marksheets.
What it actually costs you Free.
Common gotcha Not all traffic police recognize digital copies; keep a physical copy for DL.
Permanent Account Number पैन कार्ड national · Income Tax Department
Who qualifies Taxpayers.
What you get Financial identity for banking and taxes.
What it actually costs you Application fee around ₹100.
Common gotcha Linking PAN with Aadhaar is mandatory to avoid penalty.
Voter ID (EPIC) मतदाता पहचान पत्र national · Election Commission of India
Who qualifies Citizens 18+.
What you get Right to vote and valid address proof.
What it actually costs you Free application.
Common gotcha Name changes or address updates take months to process.
Passport Seva पासपोर्ट सेवा national · Ministry of External Affairs
Who qualifies Citizens.
What you get International travel document.
What it actually costs you ₹1,500 fee; police verification required.
Common gotcha Appointment slots at the PSK are often booked out for weeks.
e-Shram Portal ई-श्रम पोर्टल national · Ministry of Labour and Employment
Who qualifies Unorganized sector workers.
What you get Centralized database for social security benefits.
What it actually costs you Free; Aadhaar required.
Common gotcha It is a database, not a direct cash transfer scheme. Managing monthly household expenses like gas and food.
Pradhan Mantri Ujjwala Yojana प्रधानमंत्री उज्ज्वला योजना national · Ministry of Petroleum and Natural Gas
Who qualifies Women from BPL/low-income families.
What you get Free LPG connection and subsidy on refills.
What it actually costs you Application form and KYC.
Common gotcha The subsidy amount fluctuates based on global oil prices.
Public Distribution System (One Nation One Ration Card) राशन कार्ड national · Department of Food and Public Distribution
Who qualifies Low-income families.
What you get Subsidized food grains (wheat/rice).
What it actually costs you Nominal price per kg.
Common gotcha Biometric authentication at the ration shop often fails.
Pradhan Mantri Awas Yojana (Urban) प्रधानमंत्री आवास योजना national · Ministry of Housing and Urban Affairs
Who qualifies Economically Weaker Sections (EWS) in urban areas.
What you get Interest subsidy on home loans.
What it actually costs you Documentation of income and land ownership.
Common gotcha Extremely long wait times for project approval.
PM-KISAN पीएम किसान सम्मान निधि national · Ministry of Agriculture
Who qualifies Small and marginal farmers.
What you get ₹6,000 per year in three installments.
What it actually costs you Land records and bank account.
Common gotcha e-KYC must be done annually to receive payments.
National Scholarship Portal नेशनल स्कॉलरशिप पोर्टल national · Ministry of Education
Who qualifies Students from minority/low-income backgrounds.
What you get Financial aid for school/college fees.
What it actually costs you Income certificate and school bonafide.
Common gotcha Deadlines are strict and often missed.
UMANG App उमंग ऐप national · MeitY
Who qualifies All citizens.
What you get Unified access to 1000+ government services.
What it actually costs you Free download.
Common gotcha App interface can be slow; use the website for complex tasks.
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