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India Hindi (हिन्दी) ₹ INR
Naina manages a mid-sized retail store in a bustling city, balancing staff rosters, inventory, and her own household finances. This hub tracks the central government safety nets, tax tools, and professional registrations that keep her career and family secure.
National All India 24 Andaman and Nicobar Islands AN 6 Andhra Pradesh AP 5 Arunachal Pradesh AR 6 Assam AS 4 Bihar BR 6 Chhattisgarh CG 6 Chandigarh CH 6 Delhi DL 7 Dadra and Nagar Haveli and Daman and Diu DN 5 Goa GA 6 Gujarat GJ 6 Himachal Pradesh HP 6 Haryana HR 6 Jharkhand JH 6 Jammu and Kashmir JK 5 Karnataka KA 5 Kerala KL 6 Ladakh LA 8 Lakshadweep LD 8 Maharashtra MH 5 Meghalaya ML 7 Manipur MN 6 Madhya Pradesh MP 6 Mizoram MZ 5 Nagaland NL 6 Odisha OD 5 Punjab PB 5 Puducherry PY 5 Rajasthan RJ 7 Sikkim SK 5 Tamil Nadu TN 6 Tripura TR 5 Telangana TS 6 Uttarakhand UK 5 Uttar Pradesh UP 8 West Bengal WB 6 Keeping my hard-earned money safe and compliant with tax laws.
Employees' Provident Fund कर्मचारी भविष्य निधि national · EPFO
Who qualifies Salaried employees in establishments with 20+ staff.
What you get 12% of basic salary saved for retirement with annual interest.
What it actually costs you 12% deduction from salary; requires UAN activation.
Common gotcha Forgetting to link your Aadhaar to UAN prevents online withdrawals.
Income Tax Filing आयकर रिटर्न national · Income Tax Department
Who qualifies Individuals with annual income above the taxable threshold.
What you get Legal compliance and potential tax refunds.
What it actually costs you PAN card, Form 16, and time to file before July 31.
Common gotcha Selecting the wrong tax regime can cost you thousands in lost deductions.
National Pension System राष्ट्रीय पेंशन प्रणाली national · PFRDA
Who qualifies Citizens aged 18-70.
What you get Market-linked pension corpus with tax benefits under 80CCD(1B).
What it actually costs you Minimum ₹500 initial contribution; annual maintenance fee.
Common gotcha Lock-in period is until age 60; early withdrawal is very restricted.
Public Provident Fund लोक भविष्य निधि national · Ministry of Finance
Who qualifies Any Indian resident.
What you get Tax-free interest on long-term savings.
What it actually costs you Minimum ₹500 per year; 15-year maturity.
Common gotcha You cannot close the account before 15 years except in emergencies.
Sukanya Samriddhi Yojana सुकन्या समृद्धि योजना national · Ministry of Finance
Who qualifies Parents of a girl child under 10 years.
What you get Highest government-backed interest rate for daughter's education.
What it actually costs you Minimum ₹250 deposit per year.
Common gotcha Only two accounts allowed per family (with exceptions for twins).
DigiLocker डिजिलॉकर national · MeitY
Who qualifies Any Aadhaar holder.
What you get Digital storage for all official documents.
What it actually costs you Aadhaar-linked mobile number.
Common gotcha Documents are only valid if issued directly by the source department. Protecting my family from medical bankruptcy.
Employees' State Insurance कर्मचारी राज्य बीमा national · ESIC
Who qualifies Employees earning up to ₹21,000/month.
What you get Full medical care for self and family, plus sickness benefits.
What it actually costs you 0.75% of salary contribution.
Common gotcha You must use ESI-empanelled hospitals to get free treatment.
Ayushman Bharat PM-JAY आयुष्मान भारत प्रधानमंत्री जन आरोग्य योजना national · NHA
Who qualifies Low-income families identified by SECC data.
What you get ₹5 lakh annual health cover for secondary/tertiary care.
What it actually costs you Zero cost; requires Ayushman card.
Common gotcha Check if your local private hospital is actually empanelled before going.
Pradhan Mantri Bhartiya Janaushadhi Pariyojana प्रधानमंत्री भारतीय जन औषधि 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 Visit a Jan Aushadhi Kendra.
Common gotcha Stock availability varies; keep a list of generic salt names.
Central Government Health Scheme केंद्रीय सरकार स्वास्थ्य योजना national · Ministry of Health
Who qualifies Central govt employees and pensioners.
What you get Comprehensive healthcare services.
What it actually costs you Monthly subscription based on grade pay.
Common gotcha Renewal of the CGHS card is mandatory every few years.
National Programme for Prevention and Control of Deafness राष्ट्रीय बधिरता निवारण एवं नियंत्रण कार्यक्रम national · Ministry of Health
Who qualifies Citizens with hearing impairment.
What you get Free hearing aids and screening.
What it actually costs you Referral from a government district hospital.
Common gotcha Requires multiple visits for assessment and fitting.
NCD Screening Program गैर-संचारी रोग स्क्रीनिंग national · Ministry of Health
Who qualifies Adults over 30.
What you get Free screening for diabetes, hypertension, and common cancers.
What it actually costs you Visit your nearest PHC or CHC.
Common gotcha Often crowded; go early in the morning. Keeping my paperwork in order for work and banking.
Aadhaar Card आधार कार्ड national · UIDAI
Who qualifies All residents of India.
What you get Universal identity proof.
What it actually costs you Biometric update fee (approx ₹50-100).
Common gotcha Keep your mobile number updated in the system for OTPs.
Permanent Account Number पैन कार्ड national · Income Tax Department
Who qualifies All taxpayers.
What you get Mandatory ID for financial transactions.
What it actually costs you Application fee around ₹100.
Common gotcha Name on PAN must match Aadhaar exactly to link them.
Passport Services पासपोर्ट सेवा national · MEA
Who qualifies Indian citizens.
What you get International travel document.
What it actually costs you ₹1,500 application fee; police verification.
Common gotcha Police verification can be delayed if your address proof isn't current.
Voter ID (EPIC) मतदाता पहचान पत्र national · Election Commission of India
Who qualifies Citizens 18+.
What you get Right to vote.
What it actually costs you Free; requires address proof.
Common gotcha Check your name on the electoral roll before election day.
Driving License ड्राइविंग लाइसेंस national · Ministry of Road Transport
Who qualifies Citizens 18+.
What you get Legal right to drive.
What it actually costs you Test fees and documentation.
Common gotcha Renewal is required every 20 years or upon expiry.
e-Shram Portal ई-श्रम पोर्टल national · Ministry of Labour
Who qualifies Unorganized sector workers.
What you get Social security access.
What it actually costs you Free; Aadhaar required.
Common gotcha Not for those already covered by EPF/ESIC. Managing daily payments and digital security.
Unified Payments Interface यूपीआई national · NPCI
Who qualifies Anyone with a bank account.
What you get Instant, free digital payments.
What it actually costs you Zero; requires smartphone.
Common gotcha Never share your PIN with anyone; it's only for sending money.
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 card.
What it actually costs you Zero.
Common gotcha You can only have one basic savings account.
Pradhan Mantri Suraksha Bima Yojana प्रधानमंत्री सुरक्षा बीमा योजना national · Ministry of Finance
Who qualifies Bank account holders 18-70.
What you get Accidental death/disability cover of ₹2 lakh.
What it actually costs you ₹20 annual premium.
Common gotcha Must auto-renew every year in June.
Pradhan Mantri Jeevan Jyoti Bima Yojana प्रधानमंत्री जीवन ज्योति बीमा योजना national · Ministry of Finance
Who qualifies Bank account holders 18-50.
What you get Life insurance cover of ₹2 lakh.
What it actually costs you ₹436 annual premium.
Common gotcha Coverage starts only after a 30-day lien period.
Atal Pension Yojana अटल पेंशन योजना national · PFRDA
Who qualifies Citizens 18-40.
What you get Guaranteed monthly pension of ₹1,000-5,000.
What it actually costs you Monthly contribution based on age.
Common gotcha If you miss a payment, a penalty is deducted from the account.
National Cyber Crime Reporting Portal राष्ट्रीय साइबर अपराध रिपोर्टिंग पोर्टल national · MHA
Who qualifies Victims of cyber fraud.
What you get Official reporting and investigation tracking.
What it actually costs you Free; requires evidence/screenshots.
Common gotcha Report within 1 hour of fraud for the best chance of fund recovery.
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
