← All India hubs Illustrator
India Hindi (हिन्दी) ₹ INR
Mahesh is a freelance illustrator based in India, juggling client deadlines, tax filings, and the constant need for professional growth. This hub covers the essential national schemes, portals, and legal frameworks he needs to navigate his career and personal life effectively. State-specific schemes are listed in the separate state-level section.
National All India 24 Andaman and Nicobar Islands AN 7 Andhra Pradesh AP 5 Arunachal Pradesh AR 7 Assam AS 7 Bihar BR 6 Chhattisgarh CG 6 Chandigarh CH 8 Delhi DL 7 Dadra and Nagar Haveli and Daman and Diu DN 5 Goa GA 7 Gujarat GJ 7 Himachal Pradesh HP 6 Haryana HR 8 Jharkhand JH 5 Jammu and Kashmir JK 6 Karnataka KA 6 Kerala KL 6 Ladakh LA 5 Lakshadweep LD 7 Maharashtra MH 8 Meghalaya ML 6 Manipur MN 6 Madhya Pradesh MP 8 Mizoram MZ 5 Nagaland NL 8 Odisha OD 7 Punjab PB 6 Puducherry PY 5 Rajasthan RJ 7 Sikkim SK 8 Tamil Nadu TN 6 Tripura TR 7 Telangana TS 8 Uttarakhand UK 7 Uttar Pradesh UP 7 West Bengal WB 6 Essential for filing freelance income, claiming deductions, and staying compliant as a self-employed professional.
Permanent Account Number स्थायी खाता संख्या national · Income Tax Department
Who qualifies Every earning individual in India.
What you get A unique 10-digit alphanumeric identity for all financial transactions.
What it actually costs you Approx ₹107, PAN application form, Aadhaar linkage required.
Common gotcha Failing to link PAN with Aadhaar leads to the PAN becoming inoperative.
Section 44ADA Presumptive Taxation national · Income Tax Department
Who qualifies Freelance professionals with gross receipts up to ₹75 lakhs.
What you get Pay tax on only 50% of your gross receipts as deemed profit.
What it actually costs you Filing ITR-4 form annually.
Common gotcha You cannot claim further business expenses if you opt for this scheme.
Udyam Registration उद्यम पंजीकरण national · Ministry of MSME
Who qualifies Freelancers and small creative studios.
What you get Access to priority sector lending and protection against delayed payments.
What it actually costs you Free, Aadhaar-based verification.
Common gotcha Many people confuse it with paid consultancy sites; only use the official government portal.
Goods and Services Tax Registration national · CBIC
Who qualifies Service providers with turnover above ₹20 lakhs (varies by state).
What you get Legal authority to charge GST on invoices to corporate clients.
What it actually costs you Zero, but requires monthly/quarterly return filings.
Common gotcha Filing nil returns is mandatory even if you have zero business in a month.
Digital Signature Certificate (DSC) national · CCA
Who qualifies Professionals filing digital documents or government tenders.
What you get Electronic verification for tax and legal filings.
What it actually costs you ₹1000-₹2000 per year via licensed vendors.
Common gotcha DSCs expire annually or biennially; renewal is often forgotten.
Trademark Registration ट्रेडमार्क पंजीकरण national · Controller General of Patents, Designs and Trademarks
Who qualifies Creative professionals wanting to protect their brand name or logo.
What you get Exclusive legal rights to use your brand identity.
What it actually costs you ₹4500-₹9000 depending on the entity type.
Common gotcha The process takes 12-18 months; it is not an overnight protection. Freelancers don't have corporate insurance; these are the best ways to build a safety net.
National Pension System राष्ट्रीय पेंशन प्रणाली national · PFRDA
Who qualifies Any 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.
Common gotcha It is a long-term lock-in; early withdrawal is restricted.
Public Provident Fund लोक भविष्य निधि national · Ministry of Finance
Who qualifies Any Indian resident.
What you get Tax-free interest income and EEE tax status.
What it actually costs you Minimum ₹500/year, 15-year lock-in.
Common gotcha Partial withdrawals are only allowed after the 7th year.
Ayushman Bharat PM-JAY आयुष्मान भारत national · National Health Authority
Who qualifies Economically vulnerable households based on SECC data.
What you get ₹5 lakh annual health cover per family.
What it actually costs you Zero; verification via Aadhaar.
Common gotcha Check if your specific hospital is empanelled before admission.
Pradhan Mantri Suraksha Bima Yojana national · Department of Financial Services
Who qualifies Anyone with a bank account aged 18-70.
What you get Accidental death/disability cover of ₹2 lakhs.
What it actually costs you ₹20 premium per year (auto-debited).
Common gotcha You must manually renew or ensure your bank account has funds every June.
Pradhan Mantri Jeevan Jyoti Bima Yojana national · Department of Financial Services
Who qualifies Anyone with a bank account aged 18-50.
What you get Life insurance cover of ₹2 lakhs.
What it actually costs you ₹436 premium per year.
Common gotcha Coverage only starts after a 30-day lien period from enrollment.
Atal Pension Yojana अटल पेंशन योजना national · PFRDA
Who qualifies Unorganized sector workers aged 18-40.
What you get Guaranteed monthly pension of ₹1000-₹5000 after age 60.
What it actually costs you Monthly contribution based on age of entry.
Common gotcha If you are an income tax payer, you are ineligible.
Essential portals for identity, banking, and digital infrastructure.
Aadhaar आधार national · UIDAI
Who qualifies All Indian residents.
What you get Universal digital identity.
What it actually costs you Free for initial enrollment; small fees for updates.
Common gotcha Keep your mobile number updated in Aadhaar for OTPs.
DigiLocker national · MeitY
Who qualifies Anyone with an Aadhaar number.
What you get Cloud storage for legally valid digital documents.
What it actually costs you Free.
Common gotcha Not all institutions accept digital copies; check before traveling.
Unified Payments Interface national · NPCI
Who qualifies Anyone with a bank account and smartphone.
What you get Instant, zero-cost money transfers.
What it actually costs you Free.
Common gotcha Never share your UPI PIN; you only need it to send money, not receive.
e-Shram Portal ई-श्रम national · Ministry of Labour and Employment
Who qualifies Unorganized sector workers.
What you get Database for social security benefits.
What it actually costs you Free.
Common gotcha It is for unorganized workers, not salaried employees.
India Post Services भारतीय डाक national · Department of Posts
Who qualifies Anyone needing reliable logistics.
What you get Speed post and parcel services across India.
What it actually costs you Standard shipping rates.
Common gotcha Tracking updates can be delayed compared to private couriers.
BharatNet national · Department of Telecommunications
Who qualifies Residents in rural/semi-urban areas.
What you get High-speed broadband connectivity.
What it actually costs you Varies by local ISP provider.
Common gotcha Availability is still being rolled out; check local coverage. Grants and learning platforms to stay competitive in the creative industry.
SWAYAM Portal national · Ministry of Education
Who qualifies Lifelong learners.
What you get Free online courses from top universities.
What it actually costs you Free; small fee for certification exams.
Common gotcha Courses are semester-based; check start dates.
National Scholarship Portal national · Ministry of Electronics and IT
Who qualifies Students pursuing higher education.
What you get Various central government scholarships.
What it actually costs you Documentation and income certificates.
Common gotcha Deadlines are strict; apply early.
NPTEL national · IITs/IISc
Who qualifies Anyone interested in technical/design courses.
What you get High-quality academic content.
What it actually costs you Free content; exam fee for certificate.
Common gotcha The curriculum is academic-heavy.
Startup India Seed Fund national · DPIIT
Who qualifies Registered startups.
What you get Financial assistance for proof of concept/prototype.
What it actually costs you Rigorous application and pitch process.
Common gotcha Requires a formal company registration.
Ministry of Culture Grants national · Ministry of Culture
Who qualifies Artists and creative professionals.
What you get Financial support for cultural projects.
What it actually costs you Detailed project proposal and track record.
Common gotcha High competition and long processing times.
Skill India Digital national · MSDE
Who qualifies Anyone looking to upgrade vocational skills.
What you get Certification and training programs.
What it actually costs you Free.
Common gotcha Quality varies significantly by training partner.
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
