← All India hubs Project Manager
India Hindi (हिन्दी) ₹ INR
Bhavna is a 32-year-old project manager based in a metro city, juggling a demanding corporate career, home loan EMIs, and long-term financial planning. This hub covers the essential national-level frameworks, tax tools, and digital portals she relies on to keep her life and finances in order.
National All India 24 Andaman and Nicobar Islands AN 5 Andhra Pradesh AP 6 Arunachal Pradesh AR 6 Assam AS 8 Bihar BR 8 Chhattisgarh CG 6 Chandigarh CH 7 Delhi DL 5 Dadra and Nagar Haveli and Daman and Diu DN 5 Goa GA 6 Gujarat GJ 8 Himachal Pradesh HP 6 Haryana HR 6 Jharkhand JH 8 Jammu and Kashmir JK 8 Karnataka KA 6 Kerala KL 5 Ladakh LA 7 Lakshadweep LD 7 Maharashtra MH 6 Meghalaya ML 6 Manipur MN 6 Madhya Pradesh MP 6 Mizoram MZ 8 Nagaland NL 8 Odisha OD 7 Punjab PB 5 Puducherry PY 6 Rajasthan RJ 5 Sikkim SK 5 Tamil Nadu TN 5 Tripura TR 6 Telangana TS 7 Uttarakhand UK 5 Uttar Pradesh UP 6 West Bengal WB 7 Optimizing tax liability and managing mandatory filings is critical for a salaried professional.
Income Tax e-Filing Portal आयकर ई-फाइलिंग national · Income Tax Department
Who qualifies All individuals earning taxable income in India.
What you get Compliance with tax laws and processing of annual refunds.
What it actually costs you Free, but requires PAN, Aadhaar, and Form 16.
Common gotcha Mismatch between Form 26AS and your actual TDS deductions.
Public Provident Fund लोक भविष्य निधि national · Ministry of Finance
Who qualifies Any Indian resident individual.
What you get Tax-free interest and EEE (Exempt-Exempt-Exempt) tax status on investments up to ₹1.5 lakh/year.
What it actually costs you Minimum ₹500/year, 15-year lock-in period.
Common gotcha Partial withdrawals are only allowed after the 7th year.
National Pension System राष्ट्रीय पेंशन प्रणाली national · PFRDA
Who qualifies Citizens aged 18-70.
What you get Additional ₹50,000 tax deduction under 80CCD(1B) over and above 80C.
What it actually costs you Minimal account opening fees; requires PRAN generation.
Common gotcha It is a market-linked product; returns are not guaranteed.
Sukanya Samriddhi Yojana सुकन्या समृद्धि योजना national · Ministry of Finance
Who qualifies Parents of a girl child under 10 years of age.
What you get High government-backed interest rates for daughter's education/marriage.
What it actually costs you Minimum ₹250/year deposit.
Common gotcha Account can only be opened for up to two daughters.
Employees' Provident Fund Organisation कर्मचारी भविष्य निधि संगठन national · Ministry of Labour and Employment
Who qualifies Salaried employees in establishments with 20+ staff.
What you get Retirement corpus and insurance (EDLI) coverage.
What it actually costs you 12% deduction from basic salary.
Common gotcha UAN activation is often delayed due to Aadhaar-mobile link issues.
Sovereign Gold Bonds सॉवरेन गोल्ड बॉन्ड national · RBI
Who qualifies Resident individuals.
What you get 2.5% annual interest + capital appreciation on gold prices without storage risk.
What it actually costs you 8-year tenure with exit option after 5th year.
Common gotcha Liquidity is low unless sold on the stock exchange. Centralized digital identity is the key to unlocking every other service in India.
Aadhaar Card आधार national · UIDAI
Who qualifies All Indian residents.
What you get Universal identity proof for banking, travel, and government services.
What it actually costs you Free for initial enrollment; nominal fee for updates.
Common gotcha Mobile number must be linked to receive OTPs for all services.
DigiLocker national · MeitY
Who qualifies Any Aadhaar holder.
What you get Digital repository for driving license, RC, and academic marksheets.
What it actually costs you Free.
Common gotcha Not all private institutions accept digital copies as valid.
Passport Seva पासपोर्ट सेवा national · Ministry of External Affairs
Who qualifies Indian citizens.
What you get International travel document and identity proof.
What it actually costs you ₹1,500 application fee; police verification required.
Common gotcha Appointment slots are often booked out weeks in advance.
Permanent Account Number पैन कार्ड national · Income Tax Department
Who qualifies All taxpayers.
What you get Mandatory ID for all financial transactions over ₹50,000.
What it actually costs you Small processing fee via NSDL/UTI.
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 aged 18+.
What you get Right to vote and valid address/identity proof.
What it actually costs you Free.
Common gotcha Name must be on the electoral roll of your current constituency.
Driving License (Parivahan) ड्राइविंग लाइसेंस national · Ministry of Road Transport and Highways
Who qualifies Citizens aged 18+.
What you get Legal authorization to drive motor vehicles.
What it actually costs you Test fees and RTO charges.
Common gotcha Renewal is required every 20 years or upon expiry. Navigating healthcare and emergency support systems as a busy professional.
Ayushman Bharat Digital Mission आयुष्मान भारत national · National Health Authority
Who qualifies All citizens (ABHA ID).
What you get Digital health records and connectivity to hospitals.
What it actually costs you Free.
Common gotcha Not all private clinics are integrated into the network yet.
Central Government Health Scheme केंद्रीय सरकार स्वास्थ्य योजना national · Ministry of Health and Family Welfare
Who qualifies Central government employees and pensioners.
What you get Comprehensive medical care at empanelled hospitals.
What it actually costs you Monthly contribution based on grade pay.
Common gotcha Requires specific empanelled hospital list check before booking.
National Consumer Helpline राष्ट्रीय उपभोक्ता हेल्पलाइन national · Department of Consumer Affairs
Who qualifies Any consumer facing unfair trade practices.
What you get Grievance redressal for e-commerce or service disputes.
What it actually costs you Free.
Common gotcha It is a mediation platform; legal cases need separate filing.
National Cyber Crime Reporting Portal national · Ministry of Home Affairs
Who qualifies Victims of cyber fraud.
What you get Immediate reporting to freeze bank accounts involved in fraud.
What it actually costs you Free.
Common gotcha Must report within 1-2 hours for maximum effectiveness.
Employees' State Insurance Corporation कर्मचारी राज्य बीमा निगम national · Ministry of Labour and Employment
Who qualifies Employees with wages up to ₹21,000.
What you get Full medical care and cash benefits during sickness/maternity.
What it actually costs you 0.75% employee contribution.
Common gotcha Limited to ESI-empanelled hospitals.
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 insurance cover of ₹2 lakh.
What it actually costs you ₹20 premium per year.
Common gotcha Auto-debit from bank account must be active. Efficient travel management for business and personal trips.
IRCTC Rail Connect आईआरसीटीसी national · Ministry of Railways
Who qualifies All citizens.
What you get Train ticket booking and PNR status.
What it actually costs you Service charges apply.
Common gotcha Tatkal tickets sell out in seconds.
FASTag national · NHAI
Who qualifies Vehicle owners.
What you get Cashless toll payments on national highways.
What it actually costs you Tag issuance fee + wallet balance.
Common gotcha Low balance leads to double toll charges.
AirSewa national · Ministry of Civil Aviation
Who qualifies Air travelers.
What you get Grievance redressal for flight delays, lost baggage, or refunds.
What it actually costs you Free.
Common gotcha Response times vary significantly by airline.
UMANG App उमंग national · MeitY
Who qualifies All smartphone users.
What you get Unified access to 1000+ government services.
What it actually costs you Free.
Common gotcha App UI can be cluttered.
DigiYatra national · Ministry of Civil Aviation
Who qualifies Domestic air travelers.
What you get Contactless, paperless entry at airports using facial recognition.
What it actually costs you Free.
Common gotcha Requires app-based facial biometric enrollment.
mPassport Seva national · Ministry of External Affairs
Who qualifies Passport holders/applicants.
What you get Status tracking and appointment management.
What it actually costs you Free.
Common gotcha Does not replace the physical document.
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Where we run
Bangalore + Czechia
Our own metal · GDPR · DPDPA
