← All India hubs Smart Contract Auditor
India Hindi (हिन्दी) ₹ INR
Dhruv is a high-earning freelance smart contract auditor living in India, navigating the complexities of global crypto-income taxation, remote work infrastructure, and personal financial planning. This hub covers the central government systems he interacts with to stay compliant, secure, and efficient while working in the digital asset space.
National All India 24 Andaman and Nicobar Islands AN 8 Andhra Pradesh AP 7 Arunachal Pradesh AR 8 Assam AS 6 Bihar BR 4 Chhattisgarh CG 6 Chandigarh CH 7 Delhi DL 6 Dadra and Nagar Haveli and Daman and Diu DN 4 Goa GA 5 Gujarat GJ 6 Himachal Pradesh HP 8 Haryana HR 4 Jharkhand JH 8 Jammu and Kashmir JK 7 Karnataka KA 8 Kerala KL 7 Ladakh LA 6 Lakshadweep LD 6 Maharashtra MH 5 Meghalaya ML 7 Manipur MN 5 Madhya Pradesh MP 8 Mizoram MZ 5 Nagaland NL 5 Odisha OD 7 Punjab PB 7 Puducherry PY 5 Rajasthan RJ 7 Sikkim SK 4 Tamil Nadu TN 7 Tripura TR 4 Telangana TS 6 Uttarakhand UK 6 Uttar Pradesh UP 6 West Bengal WB 6 Navigating the specific 30% VDA tax regime and TDS requirements for crypto-related income.
Income Tax Return (ITR) Filing national · Income Tax Department
Who qualifies Every resident individual with taxable income above the basic exemption limit.
What you get Legal compliance and proof of income for banking/visa purposes.
What it actually costs you Time spent reconciling crypto-to-fiat transactions; requires PAN and Aadhaar.
Common gotcha Crypto gains are taxed at 30% flat under section 115BBH, and losses cannot be set off against other income.
TDS on Virtual Digital Assets (Section 194S) national · CBDT
Who qualifies Buyers of virtual digital assets exceeding specific thresholds.
What you get Compliance with the 1% TDS mandate on crypto transfers.
What it actually costs you Requires tracking of PAN of the counterparty.
Common gotcha Even if the exchange deducts it, you must verify it in your Form 26AS.
Permanent Account Number (PAN) national · Income Tax Department
Who qualifies Every taxpayer in India.
What you get The primary identifier for all financial transactions.
What it actually costs you Small fee for issuance; mandatory for bank accounts.
Common gotcha Must be linked with Aadhaar to avoid it becoming inoperative.
GST Registration for Freelancers national · GST Council
Who qualifies Freelancers providing services to clients outside India (Export of Services).
What you get Ability to claim Input Tax Credit on business expenses.
What it actually costs you Monthly/quarterly filing requirements; requires digital signature.
Common gotcha Export of services is zero-rated, but you still need to file a Letter of Undertaking (LUT).
Advance Tax Payments national · Income Tax Department
Who qualifies Anyone whose tax liability exceeds ₹10,000 in a financial year.
What you get Avoidance of interest penalties under sections 234B and 234C.
What it actually costs you Quarterly estimation of income; can be paid online.
Common gotcha Crypto income is volatile, making quarterly estimation difficult.
Form 15CA/CB for Foreign Remittances national · Income Tax Department
Who qualifies Individuals making foreign payments for services or investments.
What you get Legal clearance for outward remittances.
What it actually costs you Requires a CA certificate for certain amounts.
Common gotcha Banks will not process international wires without this if the amount is high. Managing the essential digital IDs required for every KYC-compliant platform.
Aadhaar Card national · UIDAI
Who qualifies All residents of India.
What you get The universal KYC document for all banking and government portals.
What it actually costs you Biometric update costs; free if done within specific windows.
Common gotcha Keep your mobile number updated in the Aadhaar database for OTPs.
DigiLocker national · MeitY
Who qualifies Any citizen with an Aadhaar number.
What you get Digital repository for PAN, driving license, and degree certificates.
What it actually costs you Free; requires Aadhaar linking.
Common gotcha Not all private institutions accept DigiLocker copies as original.
eSign Service national · CCA
Who qualifies Aadhaar holders.
What you get Legally valid digital signatures for contracts.
What it actually costs you Minimal transaction fee per sign.
Common gotcha Requires Aadhaar-linked mobile number for OTP authentication.
Passport Seva national · Ministry of External Affairs
Who qualifies All citizens.
What you get International travel document and primary proof of identity.
What it actually costs you Application fee and police verification process.
Common gotcha Police verification can be delayed if your address history is complex.
Elector's Photo Identity Card (EPIC) national · Election Commission of India
Who qualifies Citizens over 18.
What you get Right to vote and a valid address proof.
What it actually costs you Free; requires local verification.
Common gotcha Name mismatches between Voter ID and PAN are common.
UMANG App national · MeitY
Who qualifies All citizens.
What you get Single portal for all central and state government services.
What it actually costs you Free; requires registration.
Common gotcha UI is often clunky compared to private apps. Ensuring coverage for self and family, especially since freelance work lacks corporate group insurance.
Ayushman Bharat Digital Mission (ABDM) national · NHA
Who qualifies All citizens.
What you get Unique Health ID (ABHA) to store medical records digitally.
What it actually costs you Free; requires Aadhaar.
Common gotcha Not all private hospitals are integrated yet.
National Pension System (NPS) national · PFRDA
Who qualifies Citizens aged 18-70.
What you get Retirement corpus with tax benefits under 80CCD(1B).
What it actually costs you Annual maintenance charges; lock-in until 60.
Common gotcha Tier-II accounts are more flexible but lack tax benefits.
Public Provident Fund (PPF) national · Ministry of Finance
Who qualifies All residents.
What you get Tax-free interest income (EEE status).
What it actually costs you 15-year lock-in period.
Common gotcha Maximum investment limit is ₹1.5 lakh per year.
Pradhan Mantri Suraksha Bima Yojana national · Department of Financial Services
Who qualifies Bank account holders aged 18-70.
What you get Accidental death/disability insurance for ₹20/year.
What it actually costs you Auto-debit from bank account.
Common gotcha Coverage is only for accidents, not natural death.
Pradhan Mantri Jeevan Jyoti Bima Yojana national · Department of Financial Services
Who qualifies Bank account holders aged 18-50.
What you get Life insurance cover of ₹2 lakh for ₹436/year.
What it actually costs you Annual auto-debit.
Common gotcha Must renew every year if not on auto-debit.
Sukanya Samriddhi Yojana national · Ministry of Finance
Who qualifies Parents of girl children under 10.
What you get High-interest tax-free savings for daughter's education/marriage.
What it actually costs you Minimum ₹250 annual deposit.
Common gotcha Withdrawal is restricted until the girl turns 18. Handling international wire transfers and maintaining compliant bank accounts.
Unified Payments Interface (UPI) national · NPCI
Who qualifies Anyone with a bank account and smartphone.
What you get Instant peer-to-peer and merchant payments.
What it actually costs you Free; requires bank-linked mobile number.
Common gotcha Transaction limits apply per day.
RTGS/NEFT/IMPS national · Reserve Bank of India
Who qualifies Bank account holders.
What you get Inter-bank fund transfers.
What it actually costs you Small transaction fee depending on the bank.
Common gotcha RTGS is for high-value transactions only.
FEMA Guidelines for Freelancers national · Reserve Bank of India
Who qualifies Freelancers receiving payments from abroad.
What you get Legal framework for inward remittances.
What it actually costs you Requires FIRC (Foreign Inward Remittance Certificate) from banks.
Common gotcha Failure to provide purpose codes for remittances can lead to bank account freezes.
Sovereign Gold Bond (SGB) national · RBI
Who qualifies Resident individuals.
What you get Gold-linked returns plus 2.5% annual interest.
What it actually costs you 8-year maturity; can be sold on exchanges.
Common gotcha Liquidity is low if you don't sell on the secondary market.
CIBIL Credit Score national · CIBIL / RBI regulated
Who qualifies Anyone with a credit history.
What you get Creditworthiness rating for loans.
What it actually costs you Free annual report; paid for detailed insights.
Common gotcha Check for errors in your report regularly.
Savings Account Tax Exemption (80TTA) national · Income Tax Department
Who qualifies Individuals under 60.
What you get Tax deduction on interest income up to ₹10,000.
What it actually costs you Must be claimed during ITR filing.
Common gotcha Does not apply to fixed deposits.
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
