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Arjun is a skilled plumber navigating the bustling urban landscape of India, balancing daily wages with long-term financial security. This hub covers the essential central government safety nets, identity tools, and skill certifications that help him keep his tools sharp and his family protected.
National All India 24 Andaman and Nicobar Islands AN 8 Andhra Pradesh AP 5 Arunachal Pradesh AR 5 Assam AS 4 Bihar BR 6 Chhattisgarh CG 6 Chandigarh CH 8 Delhi DL 5 Dadra and Nagar Haveli and Daman and Diu DN 6 Goa GA 6 Gujarat GJ 6 Himachal Pradesh HP 7 Haryana HR 8 Jharkhand JH 6 Jammu and Kashmir JK 4 Karnataka KA 6 Kerala KL 6 Ladakh LA 5 Lakshadweep LD 8 Maharashtra MH 5 Meghalaya ML 5 Manipur MN 4 Madhya Pradesh MP 6 Mizoram MZ 6 Nagaland NL 7 Odisha OD 5 Punjab PB 7 Puducherry PY 6 Rajasthan RJ 7 Sikkim SK 6 Tamil Nadu TN 5 Tripura TR 4 Telangana TS 6 Uttarakhand UK 5 Uttar Pradesh UP 6 West Bengal WB 7 Official certification helps me charge higher rates and access government contracts.
PM Vishwakarma पीएम विश्वकर्मा national · Ministry of MSME
Who qualifies Traditional artisans and craftspeople including plumbers.
What you get Skill training, ₹15,000 toolkit incentive, and collateral-free loans up to ₹3 lakhs.
What it actually costs you Aadhaar, mobile linked to bank, and self-registration; no fee.
Common gotcha You must be registered on the portal and pass the verification by the Gram Panchayat or ULB.
Skill India Digital Hub स्किल इंडिया डिजिटल national · Ministry of Skill Development and Entrepreneurship
Who qualifies Any worker looking for vocational training or certification.
What you get Access to NSQF-aligned plumbing courses and certification.
What it actually costs you Time for assessment; free for most government-sponsored batches.
Common gotcha Certificates are only valid if issued through the official SIDH portal.
National Career Service नेशनल करियर सर्विस national · Ministry of Labour and Employment
Who qualifies Job seekers aged 18+.
What you get Access to a national database of plumbing and maintenance job openings.
What it actually costs you Registration on the portal with Aadhaar.
Common gotcha Many listings are for large construction firms; check the location carefully.
e-Shram Portal ई-श्रम पोर्टल national · Ministry of Labour and Employment
Who qualifies Unorganized sector workers aged 16-59.
What you get Social security benefits and accidental insurance coverage of ₹2 lakhs.
What it actually costs you Aadhaar and bank account details; free registration.
Common gotcha Many think this is a direct cash transfer scheme; it is primarily for identity and insurance.
Udyam Registration उद्यम पंजीकरण national · Ministry of MSME
Who qualifies Self-employed plumbers running a small business.
What you get Official recognition as a micro-enterprise, easier access to credit.
What it actually costs you Aadhaar-based registration; free.
Common gotcha Avoid private websites charging fees; the official portal is free.
PM SVANidhi पीएम स्वनिधि national · Ministry of Housing and Urban Affairs
Who qualifies Street vendors and small service providers.
What you get Working capital loan up to ₹50,000 with interest subsidy.
What it actually costs you Letter of recommendation from local municipal body.
Common gotcha Repayment history is critical for the second and third loan tranches. Medical bills can wipe out a year's savings; these schemes provide a safety net.
Ayushman Bharat PM-JAY आयुष्मान भारत national · National Health Authority
Who qualifies Eligible low-income families identified by SECC data.
What you get ₹5 lakh annual health cover per family for secondary and tertiary care.
What it actually costs you Aadhaar and ration card for verification.
Common gotcha Check if your local hospital is empanelled before going for treatment.
Pradhan Mantri Bhartiya Janaushadhi Pariyojana प्रधानमंत्री भारतीय जनऔषधि 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 Prescription from a doctor.
Common gotcha Not all pharmacies are Janaushadhi; look for the specific logo.
Pradhan Mantri Surakshit Matritva Abhiyan प्रधानमंत्री सुरक्षित मातृत्व अभियान national · Ministry of Health and Family Welfare
Who qualifies Pregnant women in their 2nd or 3rd trimester.
What you get Free antenatal check-ups on the 9th of every month.
What it actually costs you Mother and Child Protection (MCP) card.
Common gotcha Check local PHC for the specific timing on the 9th.
Mission Indradhanush मिशन इंद्रधनुष national · Ministry of Health and Family Welfare
Who qualifies Children and pregnant women who missed routine vaccinations.
What you get Free full immunization against vaccine-preventable diseases.
What it actually costs you Vaccination card.
Common gotcha Follow the schedule strictly; don't skip doses.
Ayushman App आयुष्मान ऐप national · National Health Authority
Who qualifies All citizens.
What you get Digital health records and Ayushman card management.
What it actually costs you Smartphone and internet.
Common gotcha Requires linking your phone number to your Aadhaar.
Rashtriya Bal Swasthya Karyakram राष्ट्रीय बाल स्वास्थ्य कार्यक्रम national · Ministry of Health and Family Welfare
Who qualifies Children aged 0-18 years.
What you get Free screening and treatment for 4Ds (Defects, Deficiencies, Diseases, Developmental delays).
What it actually costs you School enrollment or Anganwadi registration.
Common gotcha Screening usually happens at school; keep records updated.
I need safe places to keep my earnings and insurance for my family.
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, RuPay debit card, and accidental insurance.
What it actually costs you Aadhaar and KYC documents.
Common gotcha Keep the account active with occasional transactions to avoid dormancy.
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 and disability cover of ₹2 lakhs.
What it actually costs you ₹20 annual premium deducted automatically.
Common gotcha Must renew annually 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 lakhs.
What it actually costs you ₹436 annual premium.
Common gotcha Only one bank account can be linked to this scheme.
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 60.
What it actually costs you Monthly contribution based on age of entry.
Common gotcha If you stop paying, the account may be closed and contributions returned.
Sukanya Samriddhi Yojana सुकन्या समृद्धि योजना national · Ministry of Finance
Who qualifies Parents of girl child under 10.
What you get High-interest savings for daughter's education/marriage.
What it actually costs you Minimum ₹250 annual deposit.
Common gotcha Account matures only after 21 years or marriage after 18.
Kisan Credit Card (KCC) किसान क्रेडिट कार्ड national · Ministry of Agriculture
Who qualifies Farmers (if I have a small plot).
What you get Low-interest credit for agricultural needs.
What it actually costs you Land records.
Common gotcha Often misused for non-agri purposes; interest rates spike if not repaid on time. These are the basics that keep the household running affordably.
Pradhan Mantri Garib Kalyan Anna Yojana प्रधानमंत्री गरीब कल्याण अन्न योजना national · Department of Food and Public Distribution
Who qualifies NFSA ration card holders.
What you get Free food grains (rice/wheat) every month.
What it actually costs you Ration card.
Common gotcha Ensure your e-KYC is updated at the ration shop.
PMAY-Urban पीएम आवास योजना national · Ministry of Housing and Urban Affairs
Who qualifies Economically Weaker Sections (EWS) without a pucca house.
What you get Subsidy for construction or purchase of a house.
What it actually costs you Proof of income and land ownership.
Common gotcha The application process is long; stay in touch with local municipal office.
Pradhan Mantri Ujjwala Yojana प्रधानमंत्री उज्ज्वला योजना national · Ministry of Petroleum and Natural Gas
Who qualifies Women from BPL households.
What you get Free LPG connection and subsidy on refills.
What it actually costs you Aadhaar and bank account.
Common gotcha Refill costs are still subject to market rates; subsidy is credited to bank.
PM SVANidhi (Street Vendor) पीएम स्वनिधि national · Ministry of Housing and Urban Affairs
Who qualifies Urban street vendors.
What you get Working capital loan.
What it actually costs you Vendor certificate.
Common gotcha Must have a valid vending certificate from the local body.
Aadhaar आधार national · UIDAI
Who qualifies All residents.
What you get Universal identity proof for all government schemes.
What it actually costs you Biometric update fee (nominal).
Common gotcha Keep your mobile number updated in the system for OTPs.
DigiLocker डिजिलॉकर national · MeitY
Who qualifies All citizens.
What you get Digital storage for Aadhaar, PAN, and certificates.
What it actually costs you Free.
Common gotcha Documents here are legally valid; no need to carry originals.
One honest app. Real lives, real businesses. Free for what people need, paid only for what runs a business — on our own model, our own metal.
Where we run
Bangalore + Czechia
Our own metal · GDPR · DPDPA
