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India Hindi (हिन्दी) ₹ INR
Imran is a skilled hair stylist working in a bustling urban salon, balancing his daily shop expenses with long-term financial planning for his family. This hub covers the essential central government schemes, portals, and social security nets that help him manage his taxes, savings, and professional growth across any state in India.
National All India 24 Andaman and Nicobar Islands AN 7 Andhra Pradesh AP 6 Arunachal Pradesh AR 8 Assam AS 5 Bihar BR 4 Chhattisgarh CG 6 Chandigarh CH 5 Delhi DL 6 Dadra and Nagar Haveli and Daman and Diu DN 4 Goa GA 6 Gujarat GJ 4 Himachal Pradesh HP 6 Haryana HR 4 Jharkhand JH 6 Jammu and Kashmir JK 8 Karnataka KA 5 Kerala KL 6 Ladakh LA 7 Lakshadweep LD 8 Maharashtra MH 6 Meghalaya ML 5 Manipur MN 7 Madhya Pradesh MP 7 Mizoram MZ 7 Nagaland NL 7 Odisha OD 4 Punjab PB 4 Puducherry PY 4 Rajasthan RJ 7 Sikkim SK 4 Tamil Nadu TN 5 Tripura TR 4 Telangana TS 6 Uttarakhand UK 5 Uttar Pradesh UP 5 West Bengal WB 5 Accessing credit and formalizing the business is crucial for upgrading equipment and expanding services.
PM Street Vendor's AtmaNirbhar Nidhi प्रधानमंत्री स्वनिधि योजना national · Ministry of Housing and Urban Affairs
Who qualifies Street vendors and small shop owners with a certificate of vending.
What you get Collateral-free working capital loan up to ₹50,000 in tranches.
What it actually costs you Zero collateral; requires Aadhar-linked mobile number and vending ID.
Common gotcha Many assume it is only for food carts, but it covers small service kiosks too.
Pradhan Mantri Mudra Yojana प्रधानमंत्री मुद्रा योजना national · Department of Financial Services
Who qualifies Non-farm small/micro enterprises.
What you get Loans up to ₹10 lakh under Shishu, Kishore, or Tarun categories.
What it actually costs you Standard bank documentation; no processing fee for Shishu loans.
Common gotcha Banks often push for collateral despite the scheme being collateral-free.
Udyam Registration उद्यम पंजीकरण national · Ministry of MSME
Who qualifies Any small business owner.
What you get Official MSME status, easier bank loans, and protection against delayed payments.
What it actually costs you Free registration; requires Aadhar and PAN.
Common gotcha Do not pay third-party websites; the official portal is free.
e-Shram Portal ई-श्रम पोर्टल national · Ministry of Labour and Employment
Who qualifies Unorganized workers aged 16-59.
What you get Social security access and accidental insurance coverage.
What it actually costs you Free; requires Aadhar and bank account.
Common gotcha It is not a direct cash transfer scheme, but a database for future benefits.
Stand Up India स्टैंड अप इंडिया national · SIDBI
Who qualifies SC/ST or women entrepreneurs starting new greenfield projects.
What you get Loans between ₹10 lakh and ₹1 crore.
What it actually costs you Detailed project report required; standard bank interest rates apply.
Common gotcha Only for new businesses, not for expanding existing ones.
Credit Guarantee Fund Trust for Micro and Small Enterprises सीजीटीएमएसई national · Ministry of MSME
Who qualifies Borrowers of micro-loans.
What you get Provides guarantee cover to banks so they lend to you without collateral.
What it actually costs you Usually built into the loan interest rate.
Common gotcha You don't apply for this directly; you ask your bank if they offer CGTMSE-backed loans. Medical emergencies can wipe out years of savings; these schemes provide a safety net.
Ayushman Bharat PM-JAY आयुष्मान भारत प्रधानमंत्री जन आरोग्य योजना national · National Health Authority
Who qualifies Low-income families identified in the SECC database.
What you get ₹5 lakh annual health cover per family for secondary and tertiary care.
What it actually costs you Free for eligible beneficiaries; requires Ayushman card.
Common gotcha Check if your local private hospital is empanelled before an emergency.
Employees' State Insurance कर्मचारी राज्य बीमा national · ESIC
Who qualifies Employees in establishments with 10+ workers.
What you get Full medical care, sickness benefits, and maternity benefits.
What it actually costs you Small monthly contribution from salary.
Common gotcha Only works if your employer is registered and contributing.
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 None; just visit a Kendra.
Common gotcha Doctors often write branded names; you must ask the pharmacist for the generic equivalent.
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 or disability insurance of ₹2 lakh.
What it actually costs you ₹20 per year deducted from bank account.
Common gotcha Must be renewed 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 per year.
Common gotcha Coverage starts only after a 30-day lien period.
Ayushman Bharat Health Account (ABHA) आभा कार्ड national · National Health Authority
Who qualifies Any Indian citizen.
What you get Digital storage of all medical records and prescriptions.
What it actually costs you Free; requires Aadhar/Mobile.
Common gotcha It does not provide insurance itself, just organizes your records. As a self-employed professional, Imran needs to build his own retirement corpus.
National Pension System (NPS) - Trader राष्ट्रीय पेंशन प्रणाली national · PFRDA
Who qualifies Self-employed individuals.
What you get Monthly pension after age 60.
What it actually costs you Minimum monthly contribution as per age.
Common gotcha Money is locked until age 60; early withdrawal is restricted.
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 desired pension amount.
Common gotcha If you stop paying, the account can be closed or penalized.
Public Provident Fund लोक भविष्य निधि national · Ministry of Finance
Who qualifies Any Indian citizen.
What you get Tax-free interest on long-term savings (15-year lock-in).
What it actually costs you Minimum ₹500 per year.
Common gotcha You can only withdraw after 7 years, with partial withdrawals allowed.
Sukanya Samriddhi Yojana सुकन्या समृद्धि योजना national · Ministry of Finance
Who qualifies Parents of a girl child under 10.
What you get High-interest savings for daughter's education/marriage.
What it actually costs you Minimum ₹250 per year.
Common gotcha Account can only be opened for up to two daughters.
Pradhan Mantri Shram Yogi Maan-dhan प्रधानमंत्री श्रम योगी मानधन योजना national · Ministry of Labour and Employment
Who qualifies Unorganized workers earning <₹15,000/month.
What you get ₹3,000 monthly pension after age 60.
What it actually costs you Small monthly contribution matched by the government.
Common gotcha Cannot be combined with other government pension schemes.
Post Office Monthly Income Scheme डाकघर मासिक आय योजना national · Department of Posts
Who qualifies Any resident.
What you get Fixed monthly interest income on a lump sum deposit.
What it actually costs you Minimum ₹1,000 deposit.
Common gotcha Interest is taxable; it is not a tax-free scheme. Essential for banking, tax filing, and proving identity for all other schemes.
Aadhaar Card आधार कार्ड national · UIDAI
Who qualifies Every resident of India.
What you get Universal identity proof.
What it actually costs you Free for initial enrollment; small fee for updates.
Common gotcha Keep your mobile number linked to receive OTPs for everything.
Permanent Account Number पैन कार्ड national · Income Tax Department
Who qualifies Any person earning income.
What you get Tax identity and essential for all financial transactions.
What it actually costs you Small processing fee.
Common gotcha Must link PAN with Aadhar to avoid penalty or deactivation.
Income Tax Return Filing आयकर रिटर्न national · Income Tax Department
Who qualifies Anyone with taxable income.
What you get Proof of income for loans and visa applications.
What it actually costs you Free if done yourself; accountant fees vary.
Common gotcha File before the July 31st deadline to avoid late fees.
DigiLocker डिजिलॉकर national · MeitY
Who qualifies Any citizen with Aadhar.
What you get Digital storage for driving license, PAN, and marksheets.
What it actually costs you Free.
Common gotcha Documents in DigiLocker are legally equivalent to originals.
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/ID proof.
What it actually costs you Free.
Common gotcha Check your name on the electoral roll before every election.
Passport Seva पासपोर्ट सेवा national · Ministry of External Affairs
Who qualifies Any citizen.
What you get International travel document and strong ID proof.
What it actually costs you ₹1,500 application fee.
Common gotcha Police verification is mandatory and requires address proof.
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