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Kavya is a freelance graphic designer navigating the gig economy in India, balancing tax compliance with the search for affordable health and retirement security. This hub tracks the essential national schemes and digital portals she needs to manage her professional life and personal finances.
National All India 24 Andaman and Nicobar Islands AN 5 Andhra Pradesh AP 7 Arunachal Pradesh AR 7 Assam AS 6 Bihar BR 6 Chhattisgarh CG 6 Chandigarh CH 4 Delhi DL 5 Dadra and Nagar Haveli and Daman and Diu DN 5 Goa GA 7 Gujarat GJ 5 Himachal Pradesh HP 6 Haryana HR 6 Jharkhand JH 5 Jammu and Kashmir JK 5 Karnataka KA 7 Kerala KL 7 Ladakh LA 6 Lakshadweep LD 8 Maharashtra MH 6 Meghalaya ML 5 Manipur MN 6 Madhya Pradesh MP 6 Mizoram MZ 5 Nagaland NL 6 Odisha OD 6 Punjab PB 4 Puducherry PY 4 Rajasthan RJ 4 Sikkim SK 5 Tamil Nadu TN 5 Tripura TR 5 Telangana TS 7 Uttarakhand UK 5 Uttar Pradesh UP 5 West Bengal WB 5 Essential for filing returns and avoiding penalties as a self-employed professional.
Permanent Account Number स्थायी खाता संख्या national · Income Tax Department
Who qualifies Every taxpayer and professional in India.
What you get A unique 10-digit alphanumeric ID for all financial transactions.
What it actually costs you Approx ₹107, takes 7-15 days, requires Aadhaar and proof of address.
Common gotcha Ensure your name on PAN matches Aadhaar exactly or e-filing will fail.
Section 44ADA Presumptive Taxation national · Income Tax Department
Who qualifies Freelancers/professionals with gross receipts under ₹75 lakh.
What you get Pay tax on only 50% of your gross receipts as deemed profit.
What it actually costs you No audit required if you declare 50% profit; file ITR-4.
Common gotcha If you declare less than 50% profit, you must get your books audited.
Goods and Services Tax Registration वस्तु एवं सेवा कर national · GST Council
Who qualifies Freelancers providing services with turnover above ₹20 lakh (varies by state).
What you get Legal authority to charge GST on invoices and claim input tax credits.
What it actually costs you Free to apply, but requires monthly/quarterly return filings.
Common gotcha Once registered, you must file returns even if you have zero business.
Udyam Registration उद्यम पंजीकरण national · Ministry of MSME
Who qualifies Freelancers operating as sole proprietors.
What you get Access to priority sector lending and protection against delayed payments.
What it actually costs you Free, online, requires Aadhaar and PAN.
Common gotcha It is often confused with a business license; it is actually a classification certificate.
TDS Credit Verification national · Income Tax Department
Who qualifies Freelancers whose clients deduct tax at source.
What you get Ability to claim back excess tax deducted as a refund.
What it actually costs you Check Form 26AS annually before filing ITR.
Common gotcha If the client doesn't deposit the TDS, you cannot claim the credit.
Digital Signature Certificate (DSC) national · CCA India
Who qualifies Freelancers filing complex tax forms or company documents.
What you get Legally valid electronic signature for government portals.
What it actually costs you ₹1,000–₹2,000 per year, requires identity verification.
Common gotcha DSCs expire annually or biennially; don't forget to renew. Freelancers lack employer-provided benefits, making these schemes critical.
National Pension System राष्ट्रीय पेंशन प्रणाली national · PFRDA
Who qualifies Any Indian citizen aged 18-70.
What you get Market-linked retirement corpus with tax benefits under 80CCD(1B).
What it actually costs you Minimum ₹500 per contribution, low fund management fees.
Common gotcha It is a long-term lock-in product; you cannot withdraw easily before 60.
Ayushman Bharat PM-JAY आयुष्मान भारत national · National Health Authority
Who qualifies Economically vulnerable families (check eligibility via portal).
What you get ₹5 lakh annual health cover for secondary and tertiary care.
What it actually costs you Free, requires e-KYC verification.
Common gotcha Most middle-class freelancers are ineligible; check your SECC status.
ESIC (Voluntary Coverage) national · ESIC Corporation
Who qualifies Self-employed individuals in specific sectors.
What you get Access to ESI hospitals and medical benefits.
What it actually costs you Monthly contribution based on income.
Common gotcha Very limited awareness; check if your specific profession is covered.
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 ₹2 lakh accidental death/disability cover.
What it actually costs you ₹20 per year deducted automatically from bank.
Common gotcha You must renew or ensure the auto-debit mandate is active.
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 ₹2 lakh life insurance cover.
What it actually costs you ₹436 per year.
Common gotcha Only covers death; does not provide any maturity benefit.
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 Not open to income tax payers.
Centralized storage and authentication for all government interactions.
Aadhaar आधार national · UIDAI
Who qualifies All Indian residents.
What you get Universal biometric identity proof.
What it actually costs you Free to enroll, small fee for updates.
Common gotcha Keep your mobile number linked to receive OTPs for all services.
DigiLocker डिजिलॉकर national · MeitY
Who qualifies Any citizen with an Aadhaar.
What you get Cloud storage for digitally verified documents.
What it actually costs you Free, requires Aadhaar-based login.
Common gotcha Only documents issued directly by government departments are legally valid.
UMANG App उमंग national · MeitY
Who qualifies All citizens.
What you get Single app for 1000+ central and state government services.
What it actually costs you Free, requires mobile registration.
Common gotcha Some services are just links to websites, not full app integrations.
Passport Services 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 for standard, takes 15-30 days.
Common gotcha Police verification is mandatory; ensure your address is current.
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, online application.
Common gotcha Keep your name on the electoral roll updated when you move cities.
Driving License (Parivahan) ड्राइविंग लाइसेंस national · Ministry of Road Transport
Who qualifies Citizens aged 18+.
What you get Legal permit to drive.
What it actually costs you Varies by state, requires driving test.
Common gotcha The portal is national, but the test is conducted by local RTOs. Accessing credit and managing business cash flow as a freelancer.
Pradhan Mantri Mudra Yojana प्रधानमंत्री मुद्रा योजना national · Department of Financial Services
Who qualifies Non-corporate, non-farm small/micro enterprises.
What you get Collateral-free loans up to ₹10 lakh.
What it actually costs you Depends on bank interest rates, requires business plan.
Common gotcha Banks are often hesitant to lend to freelancers without a track record.
Unified Payments Interface (UPI) यूपीआई national · NPCI
Who qualifies Anyone with a bank account.
What you get Instant real-time payment transfers.
What it actually costs you Free for personal use; merchant fees apply for businesses.
Common gotcha Ensure your VPA (Virtual Payment Address) is secure.
Pradhan Mantri Jan Dhan Yojana प्रधानमंत्री जन धन योजना national · Department of Financial Services
Who qualifies Unbanked individuals.
What you get Basic savings account with zero balance and RuPay card.
What it actually costs you Free.
Common gotcha Not suitable for high-transaction business usage.
Credit Guarantee Fund Trust for Micro and Small Enterprises सीजीटीएमएसई national · Ministry of MSME
Who qualifies Borrowers of MSME loans.
What you get Provides guarantee to banks so they lend without collateral.
What it actually costs you Guarantee fee paid to the trust.
Common gotcha You don't apply for this; the bank applies on your behalf.
e-Mandate Services national · NPCI
Who qualifies Anyone with net banking.
What you get Automated recurring payments for bills/subscriptions.
What it actually costs you Free.
Common gotcha Check your bank's limit for auto-debit transactions.
Public Provident Fund लोक भविष्य निधि national · Ministry of Finance
Who qualifies Indian citizens.
What you get Tax-free long-term savings with government-backed interest.
What it actually costs you Minimum ₹500/year, 15-year lock-in.
Common gotcha Partial withdrawals only allowed after 7 years.
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
