← All India hubs Carpenter
India Hindi (हिन्दी) ₹ INR
Nikhil is a skilled carpenter working in the informal sector across various construction sites in India. He balances daily wage uncertainty with the need to secure his family's future through central government welfare, insurance, and skill certification portals.
National All India 24 Andaman and Nicobar Islands AN 8 Andhra Pradesh AP 5 Arunachal Pradesh AR 4 Assam AS 6 Bihar BR 5 Chhattisgarh CG 6 Chandigarh CH 5 Delhi DL 7 Dadra and Nagar Haveli and Daman and Diu DN 7 Goa GA 5 Gujarat GJ 5 Himachal Pradesh HP 7 Haryana HR 7 Jharkhand JH 7 Jammu and Kashmir JK 7 Karnataka KA 6 Kerala KL 7 Ladakh LA 4 Lakshadweep LD 7 Maharashtra MH 5 Meghalaya ML 5 Manipur MN 7 Madhya Pradesh MP 5 Mizoram MZ 6 Nagaland NL 6 Odisha OD 7 Punjab PB 6 Puducherry PY 6 Rajasthan RJ 5 Sikkim SK 6 Tamil Nadu TN 7 Tripura TR 4 Telangana TS 7 Uttarakhand UK 6 Uttar Pradesh UP 6 West Bengal WB 5 Securing recognition for my craft and getting financial support for my small workshop.
PM Vishwakarma Scheme पीएम विश्वकर्मा योजना national · Ministry of Micro, Small and Medium Enterprises
Who qualifies Traditional artisans like carpenters, blacksmiths, and goldsmiths.
What you get Skill training, a toolkit incentive of ₹15,000, and collateral-free credit support.
What it actually costs you Requires Aadhaar, mobile number, and bank account; registration via CSC.
Common gotcha Many assume it's just a loan, but the toolkit incentive is the primary immediate benefit.
e-Shram Portal ई-श्रम पोर्टल national · Ministry of Labour and Employment
Who qualifies Unorganized sector workers aged 16-59.
What you get Accidental insurance cover of ₹2 lakh and a digital identity card for social security.
What it actually costs you Free registration using Aadhaar and bank details.
Common gotcha Linking the wrong bank account often delays benefit transfers.
Udyam Registration उद्यम पंजीकरण national · Ministry of MSME
Who qualifies Small workshop owners and independent contractors.
What you get Official recognition as a micro-enterprise, making it easier to get bank loans.
What it actually costs you Free online registration; requires Aadhaar and PAN.
Common gotcha Avoid private websites that charge money to register; the official portal is free.
Skill India Digital स्किल इंडिया डिजिटल national · National Skill Development Corporation
Who qualifies Workers looking to upgrade their technical skills.
What you get Certification for carpentry skills and access to job placement portals.
What it actually costs you Time for training sessions; free for eligible candidates.
Common gotcha Certificates are only valid if issued through the official SID portal.
PM SVANidhi पीएम स्वनिधि national · Ministry of Housing and Urban Affairs
Who qualifies Street vendors and small service providers.
What you get Working capital loan up to ₹50,000 in tranches.
What it actually costs you Requires a Letter of Recommendation (LoR) from local bodies.
Common gotcha Repayment discipline is strictly monitored for interest subsidies.
National Career Service नेशनल करियर सर्विस national · Ministry of Labour and Employment
Who qualifies Job seekers in the construction and skilled labor sector.
What you get Access to job listings and vocational guidance.
What it actually costs you Free registration; requires Aadhaar and work experience details.
Common gotcha The portal is often underutilized; check local job fairs listed here. Medical bills can wipe out my savings; I need reliable, affordable care.
Ayushman Bharat PM-JAY आयुष्मान भारत प्रधानमंत्री जन आरोग्य योजना national · National Health Authority
Who qualifies Low-income families identified via SECC data.
What you get Cashless treatment up to ₹5 lakh per family per year.
What it actually costs you Free; just need the Ayushman card.
Common gotcha Check if your local hospital is empaneled before going.
Employees' State Insurance (ESI) कर्मचारी राज्य बीमा national · ESIC Corporation
Who qualifies Workers in registered establishments with 10+ employees.
What you get Full medical care for self and family, plus cash benefits during sickness.
What it actually costs you Small monthly contribution deducted from salary.
Common gotcha Ensure your employer is actually depositing your contribution.
Ayushman Mitra आयुष्मान मित्र national · National Health Authority
Who qualifies Patients needing help navigating PM-JAY at hospitals.
What you get Assistance in verification and claim processing.
What it actually costs you Free service at the hospital help desk.
Common gotcha Don't pay anyone claiming to be an agent; use the hospital help desk.
Pradhan Mantri Bhartiya Janaushadhi Pariyojana प्रधानमंत्री भारतीय जन औषधि परियोजना national · Department of Pharmaceuticals
Who qualifies Anyone needing affordable medicine.
What you get Generic medicines at 50-90% cheaper prices than branded ones.
What it actually costs you Just the cost of the medicine.
Common gotcha Look for the 'Janaushadhi Kendra' signage; they are not in every pharmacy.
Rashtriya Swasthya Bima Yojana राष्ट्रीय स्वास्थ्य बीमा योजना national · Ministry of Labour and Employment
Who qualifies BPL families.
What you get Smart card-based cashless insurance.
What it actually costs you ₹30 registration fee.
Common gotcha Most beneficiaries have been migrated to PM-JAY; check your status.
Pradhan Mantri Suraksha Bima Yojana प्रधानमंत्री सुरक्षा बीमा योजना national · Department of Financial Services
Who qualifies Savings bank account holders aged 18-70.
What you get Accidental death or disability cover of ₹2 lakh.
What it actually costs you ₹20 premium per year, auto-debited from bank.
Common gotcha Must renew every year; ensure your bank balance is sufficient. Ensuring my family gets their monthly rations, especially when work is slow.
One Nation One Ration Card (ONORC) वन नेशन वन राशन कार्ड national · Department of Food and Public Distribution
Who qualifies NFSA cardholders.
What you get Ability to pick up subsidized rations from any PDS shop in India.
What it actually costs you Aadhaar-linked biometric authentication.
Common gotcha You must link your Aadhaar with your ration card to use this anywhere.
PM Garib Kalyan Anna Yojana प्रधानमंत्री गरीब कल्याण अन्न योजना national · Ministry of Consumer Affairs
Who qualifies Antyodaya Anna Yojana and Priority Household cardholders.
What you get Free food grains (rice/wheat) every month.
What it actually costs you None; it is free.
Common gotcha Check the local PDS shop timings; they vary by locality.
Poshan Abhiyaan पोषण अभियान national · Ministry of Women and Child Development
Who qualifies Pregnant women, lactating mothers, and children.
What you get Nutritional support and monitoring via Anganwadi centers.
What it actually costs you Registration at the local Anganwadi.
Common gotcha Visit your local Anganwadi worker to get enrolled.
PM POSHAN (Mid-Day Meal) पीएम पोषण national · Ministry of Education
Who qualifies Children in government/aided schools.
What you get Free cooked meal in school every day.
What it actually costs you None; automatic for school-going children.
Common gotcha Ensure your child's school attendance is marked.
Pradhan Mantri Ujjwala Yojana प्रधानमंत्री उज्ज्वला योजना national · Ministry of Petroleum and Natural Gas
Who qualifies Women from BPL families.
What you get Free LPG connection and subsidy on refills.
What it actually costs you Documentation of identity and address.
Common gotcha Subsidy is transferred directly to the bank account.
PDS Grievance Portal पीडीएस शिकायत पोर्टल national · Department of Food and Public Distribution
Who qualifies Any citizen facing issues with PDS shops.
What you get Redressal of complaints regarding ration delivery.
What it actually costs you None.
Common gotcha Keep your ration card number and shop ID handy. Keeping my money safe and accessing government transfers directly.
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, RuPay debit card, and insurance.
What it actually costs you KYC documents (Aadhaar/PAN).
Common gotcha Keep the RuPay card active to maintain insurance eligibility.
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 age 60.
What it actually costs you Monthly contribution based on age of entry.
Common gotcha You cannot withdraw before 60 except in extreme cases.
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 annual premium.
Common gotcha Must renew annually; check your bank statement for debit.
PMMY (Mudra Loan) मुद्रा लोन national · Department of Financial Services
Who qualifies Small business owners/carpenters.
What you get Loans up to ₹10 lakh for business expansion.
What it actually costs you Business plan and bank documentation.
Common gotcha Banks often ask for collateral despite it being collateral-free.
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 account for daughter's education/marriage.
What it actually costs you Minimum ₹250 annual deposit.
Common gotcha Account can only be opened at a post office or bank.
DBT Bharat Portal डीबीटी भारत पोर्टल national · Cabinet Secretariat
Who qualifies All beneficiaries of government schemes.
What you get Track all government subsidies received in your bank account.
What it actually costs you None.
Common gotcha Ensure your Aadhaar is seeded with your bank account.
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
