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India Hindi (हिन्दी) ₹ INR
Ananya is a retired school teacher living in India, navigating the transition from a steady salary to pension-based living. She relies on central government portals and health schemes to manage her finances and medical needs while staying connected with her community.
National All India 24 Andaman and Nicobar Islands AN 6 Andhra Pradesh AP 4 Arunachal Pradesh AR 5 Assam AS 6 Bihar BR 4 Chhattisgarh CG 5 Chandigarh CH 6 Delhi DL 7 Dadra and Nagar Haveli and Daman and Diu DN 5 Goa GA 6 Gujarat GJ 6 Himachal Pradesh HP 5 Haryana HR 7 Jharkhand JH 6 Jammu and Kashmir JK 7 Karnataka KA 5 Kerala KL 8 Ladakh LA 5 Lakshadweep LD 6 Maharashtra MH 6 Meghalaya ML 6 Manipur MN 5 Madhya Pradesh MP 6 Mizoram MZ 6 Nagaland NL 6 Odisha OD 6 Punjab PB 6 Puducherry PY 5 Rajasthan RJ 6 Sikkim SK 8 Tamil Nadu TN 8 Tripura TR 5 Telangana TS 4 Uttarakhand UK 6 Uttar Pradesh UP 4 West Bengal WB 6 Ensuring my retirement corpus lasts and my monthly dues arrive on time.
Employees' Pension Scheme कर्मचारी पेंशन योजना national · EPFO
Who qualifies Employees who have contributed to EPF for at least 10 years.
What you get Monthly pension based on average salary and years of service.
What it actually costs you Requires UAN activation and Aadhaar seeding.
Common gotcha The pension amount is often lower than expected due to salary caps on contributions.
Senior Citizen Savings Scheme वरिष्ठ नागरिक बचत योजना national · Ministry of Finance
Who qualifies Individuals aged 60+ or 55+ if retired under VRS.
What you get Quarterly interest payments at a government-notified rate (currently 8.2%).
What it actually costs you Investment up to ₹30 lakh; requires PAN and bank account.
Common gotcha Interest is fully taxable, and TDS is deducted if income exceeds limits.
Pradhan Mantri Vaya Vandana Yojana प्रधानमंत्री वय वंदना योजना national · LIC of India
Who qualifies Citizens aged 60 and above.
What you get Guaranteed pension for 10 years with a fixed return.
What it actually costs you One-time lump sum investment.
Common gotcha The scheme has specific enrollment windows; check if currently open.
National Pension System (Tier 2) राष्ट्रीय पेंशन प्रणाली national · PFRDA
Who qualifies Existing NPS subscribers.
What you get A flexible savings account with no lock-in period.
What it actually costs you Annual maintenance charges and transaction fees.
Common gotcha Tier 2 does not offer tax benefits like Tier 1.
Post Office Monthly Income Scheme डाकघर मासिक आय योजना national · Department of Posts
Who qualifies Any resident Indian.
What you get Fixed monthly interest income for 5 years.
What it actually costs you Minimum deposit of ₹1,000.
Common gotcha Premature withdrawal attracts a penalty of 1-2% of the principal.
Income Tax Rebate for Seniors वरिष्ठ नागरिक आयकर छूट national · Income Tax Department
Who qualifies Residents aged 60-80 (Senior) and 80+ (Super Senior).
What you get Higher basic exemption limits compared to younger taxpayers.
What it actually costs you Filing ITR annually.
Common gotcha You must choose between the old and new tax regimes carefully. Managing chronic conditions and ensuring affordable hospital access.
Ayushman Bharat PM-JAY आयुष्मान भारत national · National Health Authority
Who qualifies Economically vulnerable households as per SECC data.
What you get ₹5 lakh health cover per family per year for secondary/tertiary care.
What it actually costs you E-KYC verification; no premium.
Common gotcha Not all private hospitals accept it; check the empanelled list first.
Central Government Health Scheme केंद्रीय सरकार स्वास्थ्य योजना national · Ministry of Health and Family Welfare
Who qualifies Retired central government employees.
What you get Comprehensive medical care at wellness centers and empanelled hospitals.
What it actually costs you One-time contribution based on last pay scale.
Common gotcha Renewal of the plastic card is mandatory every few years.
Pradhan Mantri Bhartiya Janaushadhi Pariyojana प्रधानमंत्री भारतीय जन औषधि परियोजना national · Department of Pharmaceuticals
Who qualifies All citizens.
What you get Generic medicines at 50-90% lower prices than branded ones.
What it actually costs you None; just visit a Kendra.
Common gotcha Stock availability varies; ask your doctor for generic salt names.
Standard Health Insurance (Arogya Sanjeevani) आरोग्य संजीवनी national · IRDAI
Who qualifies All citizens up to age 65.
What you get Standardized health insurance policy with uniform terms.
What it actually costs you Annual premium.
Common gotcha Co-payment of 5% is mandatory for all claims.
National Programme for Prevention and Control of Deafness बधिरता रोकथाम कार्यक्रम national · Ministry of Health
Who qualifies Citizens with hearing impairment.
What you get Screening and subsidized hearing aids.
What it actually costs you Medical referral from a government hospital.
Common gotcha Limited to government-run district hospitals.
National Programme for Health Care of the Elderly बुजुर्ग स्वास्थ्य देखभाल कार्यक्रम national · Ministry of Health
Who qualifies Citizens aged 60+.
What you get Dedicated geriatric clinics in district hospitals.
What it actually costs you Registration at the hospital.
Common gotcha Often crowded; go early in the morning.
Visiting family and pilgrimage sites without breaking the bank.
Railway Senior Citizen Concession वरिष्ठ नागरिक रेल रियायत national · Indian Railways
Who qualifies Men 60+, Women 58+.
What you get 40% (men) to 50% (women) discount on base fare.
What it actually costs you Aadhaar verification during booking.
Common gotcha Currently suspended since COVID-19; check for restoration updates.
DigiYatra डिजीयात्रा national · Ministry of Civil Aviation
Who qualifies All air passengers.
What you get Paperless, contactless entry at airports using facial recognition.
What it actually costs you App download and biometric registration.
Common gotcha Still requires your physical ID card for security checks.
Passport Seva पासपोर्ट सेवा national · Ministry of External Affairs
Who qualifies All citizens.
What you get International travel document.
What it actually costs you Application fee and police verification.
Common gotcha Seniors get priority appointments if requested.
Airline Priority Services विमान सेवा प्राथमिकता private · Airlines (Air India, Indigo, etc.)
Who qualifies Seniors aged 60+.
What you get Priority boarding and assistance at airports.
What it actually costs you None; mention at check-in counter.
Common gotcha Must be requested at the time of booking or check-in.
Pilgrimage Support (Various) तीर्थ यात्रा सहायता national · Ministry of Tourism
Who qualifies Seniors visiting specific religious circuits.
What you get Information and facilitation for travel circuits.
What it actually costs you Travel costs.
Common gotcha Often managed by state tourism boards under central guidelines.
State-Issued Senior Citizen ID वरिष्ठ नागरिक पहचान पत्र national · State Social Welfare Departments
Who qualifies Citizens 60+.
What you get Proof of age for discounts in museums, parks, and transport.
What it actually costs you Application with age proof.
Common gotcha Not universally accepted; keep Aadhaar as primary proof. Keeping my identity, taxes, and digital records in order.
Aadhaar Update Services आधार अपडेट national · UIDAI
Who qualifies All residents.
What you get Updated address, phone, or biometric data.
What it actually costs you Nominal service fee at Aadhaar centers.
Common gotcha Ensure your mobile number is linked to receive OTPs.
DigiLocker डिजिलॉकर national · MeitY
Who qualifies All citizens with Aadhaar.
What you get Digital storage for PAN, pension, and medical documents.
What it actually costs you None.
Common gotcha Documents stored here are legally equivalent to originals.
UMANG App उमंग national · MeitY
Who qualifies All citizens.
What you get Single window for all government services.
What it actually costs you None.
Common gotcha The interface can be overwhelming; use the search bar.
Jeevan Pramaan जीवन प्रमाण national · Department of Pension & Pensioners' Welfare
Who qualifies Pensioners.
What you get Digital life certificate to continue receiving pension.
What it actually costs you Biometric authentication via app or center.
Common gotcha Must be submitted annually to avoid pension suspension.
NALSA Legal Services राष्ट्रीय विधिक सेवा प्राधिकरण national · NALSA
Who qualifies Seniors with limited income.
What you get Free legal advice and representation.
What it actually costs you None.
Common gotcha Requires proof of income/eligibility.
Elderline (14567) एल्डरलाइन national · Ministry of Social Justice
Who qualifies Seniors in distress.
What you get Emergency assistance, information, and counseling.
What it actually costs you None.
Common gotcha Response time varies by location.
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