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Myra works as a domestic cleaner in urban India, balancing the needs of her family while navigating the complex web of government support. This hub helps her track everything from identity documents and social security to school scholarships for her children and health insurance.
National All India 24 Andaman and Nicobar Islands AN 7 Andhra Pradesh AP 7 Arunachal Pradesh AR 4 Assam AS 4 Bihar BR 6 Chhattisgarh CG 6 Chandigarh CH 5 Delhi DL 8 Dadra and Nagar Haveli and Daman and Diu DN 4 Goa GA 6 Gujarat GJ 7 Himachal Pradesh HP 6 Haryana HR 7 Jharkhand JH 5 Jammu and Kashmir JK 5 Karnataka KA 6 Kerala KL 7 Ladakh LA 4 Lakshadweep LD 5 Maharashtra MH 6 Meghalaya ML 5 Manipur MN 5 Madhya Pradesh MP 7 Mizoram MZ 5 Nagaland NL 6 Odisha OD 6 Punjab PB 5 Puducherry PY 5 Rajasthan RJ 6 Sikkim SK 6 Tamil Nadu TN 6 Tripura TR 5 Telangana TS 5 Uttarakhand UK 6 Uttar Pradesh UP 5 West Bengal WB 6 Without these, I cannot access any bank account, subsidy, or school admission for my kids.
Aadhaar Card आधार कार्ड national · UIDAI
Who qualifies Every Indian resident.
What you get 12-digit unique ID for all government services.
What it actually costs you Free for first-time; minor fee for updates; need proof of address.
Common gotcha Name or date of birth mismatches on Aadhaar are the #1 reason for subsidy rejection.
PAN Card पैन कार्ड national · Income Tax Department
Who qualifies Any adult earning income.
What you get Mandatory ID for bank accounts and high-value transactions.
What it actually costs you Around ₹100-200 via agents; Aadhaar-based e-PAN is free.
Common gotcha People think they don't need it if they aren't rich; banks will freeze accounts without it.
One Nation One Ration Card वन नेशन वन राशन कार्ड national · Department of Food and Public Distribution
Who qualifies Low-income households under NFSA.
What you get Subsidized rice, wheat, and sugar at fair price shops.
What it actually costs you Free; requires income certificate and family details.
Common gotcha Linking Aadhaar to the card is mandatory for portability.
Voter ID (EPIC) मतदाता पहचान पत्र 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; online application takes 30-60 days.
Common gotcha Address changes require re-filing Form 8.
e-Shram Portal ई-श्रम national · Ministry of Labour and Employment
Who qualifies Unorganized workers aged 16-59.
What you get Accidental insurance cover of ₹2 lakh.
What it actually costs you Free; requires Aadhaar and bank account.
Common gotcha Many sign up but forget to update their employment status annually.
Pradhan Mantri Jan Dhan Yojana प्रधानमंत्री जन धन योजना national · Department of Financial Services
Who qualifies Unbanked individuals.
What you get Zero-balance bank account with RuPay debit card.
What it actually costs you Free; requires KYC.
Common gotcha Overdraft facility is only available after 6 months of operation. One hospital visit can wipe out months of my savings.
Ayushman Bharat PM-JAY आयुष्मान भारत national · National Health Authority
Who qualifies Low-income families identified by SECC data.
What you get ₹5 lakh annual health cover per family for secondary/tertiary care.
What it actually costs you Free; requires Ayushman card.
Common gotcha Only works in empanelled hospitals; check the list before going.
Pradhan Mantri Bhartiya Janaushadhi Pariyojana जन औषधि national · Department of Pharmaceuticals
Who qualifies Everyone.
What you get Generic medicines at 50-90% lower cost than branded ones.
What it actually costs you Just the cost of medicine.
Common gotcha Not all local chemists stock them; look for the blue logo.
Mission Indradhanush मिशन इंद्रधनुष national · Ministry of Health and Family Welfare
Who qualifies Pregnant women and children under 5.
What you get Free full immunization against vaccine-preventable diseases.
What it actually costs you Free at government health centers.
Common gotcha Must keep the vaccination card safe to track the schedule.
Pradhan Mantri Matru Vandana Yojana प्रधानमंत्री मातृ वंदना योजना national · Ministry of Women and Child Development
Who qualifies Pregnant and lactating mothers for first child.
What you get Cash incentive of ₹5,000 in installments.
What it actually costs you Requires registration at Anganwadi center.
Common gotcha Payments are delayed if bank account is not Aadhaar-seeded.
Swachh Bharat Mission (Grameen/Urban) स्वच्छ भारत मिशन national · Ministry of Housing and Urban Affairs
Who qualifies Households without individual toilets.
What you get Financial assistance of ₹12,000 for toilet construction.
What it actually costs you Requires application to local municipal body.
Common gotcha Verification of construction is required before funds are released.
Anganwadi Services आंगनवाड़ी national · Ministry of Women and Child Development
Who qualifies Children 0-6, pregnant/lactating mothers.
What you get Supplementary nutrition and pre-school education.
What it actually costs you Free; visit your local center.
Common gotcha Quality varies significantly by neighborhood. I want my kids to study so they don't have to do the work I do.
Right to Education (RTE) Act शिक्षा का अधिकार national · Ministry of Education
Who qualifies Children aged 6-14 from EWS/disadvantaged groups.
What you get Free admission in private schools (25% quota).
What it actually costs you Requires income certificate and residence proof.
Common gotcha Application windows are very short; keep an eye on local newspapers.
PM POSHAN (Mid-Day Meal) पीएम पोषण national · Ministry of Education
Who qualifies Students in government/aided schools.
What you get One hot cooked meal per school day.
What it actually costs you Free.
Common gotcha Attendance is mandatory to receive the meal.
Pre-Matric Scholarship for SC Students प्री-मैट्रिक छात्रवृत्ति national · Ministry of Social Justice and Empowerment
Who qualifies Students in classes 9-10 from SC category.
What you get Annual scholarship for books and maintenance.
What it actually costs you Requires caste certificate and bank account.
Common gotcha Must apply on the National Scholarship Portal (NSP) annually.
Sukanya Samriddhi Yojana सुकन्या समृद्धि योजना national · Ministry of Finance
Who qualifies Parents of girl child under 10.
What you get High-interest savings account for daughter's education/marriage.
What it actually costs you Minimum ₹250 deposit per year.
Common gotcha Money is locked until the girl turns 18.
National Means-cum-Merit Scholarship एनएमएमएस national · Ministry of Education
Who qualifies Class 8 students with high merit.
What you get ₹12,000 per year for classes 9-12.
What it actually costs you Requires passing a state-level exam.
Common gotcha Only for students in government/aided schools.
Samagra Shiksha समग्र शिक्षा national · Ministry of Education
Who qualifies School-going children.
What you get Free textbooks and uniforms in government schools.
What it actually costs you Free.
Common gotcha Distribution is often delayed; check with the school principal. Rent and fuel are my biggest monthly expenses.
PMAY-Urban प्रधानमंत्री आवास योजना national · Ministry of Housing and Urban Affairs
Who qualifies EWS/LIG families without a pucca house.
What you get Subsidy on home loans or direct assistance for construction.
What it actually costs you Requires land ownership proof.
Common gotcha Very long waiting lists; check status on the portal.
Pradhan Mantri Ujjwala Yojana उज्ज्वला योजना national · Ministry of Petroleum and Natural Gas
Who qualifies Women from BPL households.
What you get Free LPG connection and stove.
What it actually costs you Refill cost is yours; connection is free.
Common gotcha You must buy the refill at market price first, then get the subsidy.
Saubhagya Scheme सौभाग्य योजना national · Ministry of Power
Who qualifies Households without electricity.
What you get Free electricity connection.
What it actually costs you Free; requires local electricity board application.
Common gotcha Only covers the connection; monthly bills are still your responsibility.
PM SVANidhi पीएम स्वनिधि national · Ministry of Housing and Urban Affairs
Who qualifies Street vendors.
What you get Collateral-free working capital loan up to ₹50,000.
What it actually costs you Requires vendor ID card.
Common gotcha Repay on time to get interest subsidy.
Atal Pension Yojana अटल पेंशन योजना national · PFRDA
Who qualifies Citizens aged 18-40.
What you get Guaranteed monthly pension of ₹1,000-5,000 after age 60.
What it actually costs you Small monthly contribution.
Common gotcha If you stop paying, the account can be closed.
PM 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 of ₹2 lakh.
What it actually costs you ₹20 annual premium (auto-deducted).
Common gotcha Must renew every year; check if your bank auto-deducted it.
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