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India Hindi (हिन्दी) ₹ INR
Nitin is a hardworking landscaper and gardener who manages green spaces across urban residential complexes. He navigates the complexities of informal labor, government identity systems, and small-scale social security to keep his family secure while working in the city.
National All India 24 Andaman and Nicobar Islands AN 8 Andhra Pradesh AP 5 Arunachal Pradesh AR 7 Assam AS 4 Bihar BR 4 Chhattisgarh CG 6 Chandigarh CH 6 Delhi DL 6 Dadra and Nagar Haveli and Daman and Diu DN 4 Goa GA 8 Gujarat GJ 5 Himachal Pradesh HP 6 Haryana HR 4 Jharkhand JH 5 Jammu and Kashmir JK 7 Karnataka KA 6 Kerala KL 5 Ladakh LA 8 Lakshadweep LD 8 Maharashtra MH 5 Meghalaya ML 6 Manipur MN 6 Madhya Pradesh MP 5 Mizoram MZ 6 Nagaland NL 7 Odisha OD 4 Punjab PB 5 Puducherry PY 5 Rajasthan RJ 7 Sikkim SK 6 Tamil Nadu TN 7 Tripura TR 6 Telangana TS 6 Uttarakhand UK 7 Uttar Pradesh UP 5 West Bengal WB 7 Without these, I cannot access any bank account, subsidy, or formal employment contract.
Aadhaar Card आधार कार्ड national · UIDAI
Who qualifies Every resident of India.
What you get Universal digital identity for all government services.
What it actually costs you Free for initial enrollment; small fee for updates at centers.
Common gotcha Name/address mismatches are common; keep your mobile number linked for OTPs.
PAN Card पैन कार्ड national · Income Tax Department
Who qualifies Any adult earning income.
What you get Tax identity and essential for opening bank accounts.
What it actually costs you Approx ₹100 for application; takes 1-2 weeks.
Common gotcha Often confused with Aadhaar; you need both for financial transactions.
e-Shram Portal ई-श्रम पोर्टल national · Ministry of Labour and Employment
Who qualifies Unorganized workers aged 16-59.
What you get Accidental insurance cover of ₹2 Lakhs.
What it actually costs you Free; requires Aadhaar and bank details.
Common gotcha Many think it's a direct cash transfer scheme; it is primarily for database and insurance.
Voter ID (EPIC) मतदाता पहचान पत्र national · Election Commission of India
Who qualifies Indian citizens aged 18+.
What you get Right to vote and valid address proof.
What it actually costs you Free; requires local address verification.
Common gotcha Name often missing from electoral rolls; check online before elections.
One Nation One Ration Card वन नेशन वन राशन कार्ड national · Department of Food and Public Distribution
Who qualifies Low-income families.
What you get Subsidized food grains anywhere in India.
What it actually costs you Requires state-level migration documentation.
Common gotcha Linking Aadhaar to the ration card is mandatory for portability.
DigiLocker डिजिलॉकर national · MeitY
Who qualifies Any Aadhaar holder.
What you get Digital storage for all government documents.
What it actually costs you Free; requires smartphone.
Common gotcha Documents are as valid as physical copies, but some local offices still demand paper. A single medical emergency can wipe out my savings; I need affordable care.
Ayushman Bharat PM-JAY आयुष्मान भारत प्रधानमंत्री जन आरोग्य योजना national · National Health Authority
Who qualifies Low-income families identified in SECC 2011.
What you get ₹5 Lakh health cover per family per year.
What it actually costs you Free; requires e-KYC.
Common gotcha Check if your local private hospital is empaneled 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.
What it actually costs you None; just visit a Jan Aushadhi Kendra.
Common gotcha Doctors often prescribe branded drugs; ask for the generic equivalent.
Employees' State Insurance (ESI) कर्मचारी राज्य बीमा national · ESIC Corporation
Who qualifies Employees in establishments with 10+ workers.
What you get Full medical care and cash benefits during sickness.
What it actually costs you Small monthly payroll deduction.
Common gotcha Employers often fail to register workers; check your contribution status.
Mission Indradhanush मिशन इंद्रधनुष national · Ministry of Health and Family Welfare
Who qualifies Unvaccinated children and pregnant women.
What you get Free full immunization coverage.
What it actually costs you Free at government health centers.
Common gotcha Keep the immunization card safe; it's needed for school admission.
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 premium per year (auto-debited).
Common gotcha Must renew every year if not on auto-debit.
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 premium per year.
Common gotcha Only for death; does not cover medical expenses. I need safe places to keep my money and access credit for small tools or emergencies.
Pradhan Mantri Jan Dhan Yojana प्रधानमंत्री जन धन योजना national · Department of Financial Services
Who qualifies Unbanked individuals.
What you get Zero-balance savings account with RuPay card.
What it actually costs you Free to open; requires Aadhaar.
Common gotcha Overdraft facility is only available after 6 months of active usage.
PM SVANidhi पीएम स्वनिधि national · Ministry of Housing and Urban Affairs
Who qualifies Street vendors and small service providers.
What you get Collateral-free working capital loan up to ₹50,000.
What it actually costs you Interest subsidy available on timely repayment.
Common gotcha Requires a Letter of Recommendation from local municipal body.
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 If you stop paying, the account may be closed and money returned.
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 for daughter's education/marriage.
What it actually costs you Minimum ₹250 deposit per year.
Common gotcha Account matures only when the girl turns 21.
Post Office Recurring Deposit डाकघर आरडी national · India Post
Who qualifies Any resident.
What you get Safe monthly savings with government-backed interest.
What it actually costs you Minimum ₹100 per month.
Common gotcha Physical passbook is still the most reliable record.
PMMY (Mudra Loan) मुद्रा लोन national · Department of Financial Services
Who qualifies Small business owners.
What you get Loans up to ₹10 Lakhs for business expansion.
What it actually costs you Requires business plan and bank approval.
Common gotcha Banks are often hesitant to give small loans without strong collateral. I want my children to have better opportunities and I want to upgrade my own skills.
PM Kaushal Vikas Yojana प्रधानमंत्री कौशल विकास योजना national · Ministry of Skill Development and Entrepreneurship
Who qualifies Youth and workers seeking skill training.
What you get Free short-term skill training and certification.
What it actually costs you None; training is fully funded.
Common gotcha Placement assistance is promised but not always guaranteed.
Right to Education (RTE) शिक्षा का अधिकार national · Ministry of Education
Who qualifies Children aged 6-14 from EWS/DG categories.
What you get Free admission to private schools (25% quota).
What it actually costs you Requires income certificate and residence proof.
Common gotcha Application windows are very short; keep track of local school notifications.
PM POSHAN (Mid-Day Meal) पीएम पोषण national · Ministry of Education
Who qualifies Children in government/aided schools.
What you get Free hot cooked meal every school day.
What it actually costs you None.
Common gotcha Quality varies significantly by school management.
Post-Matric Scholarship for SC/ST/OBC पोस्ट मैट्रिक छात्रवृत्ति national · Ministry of Social Justice and Empowerment
Who qualifies Students from reserved categories post-Class 10.
What you get Financial aid for tuition and maintenance.
What it actually costs you Requires caste and income certificates.
Common gotcha Disbursements are often delayed; apply early on the NSP portal.
National Apprenticeship Promotion Scheme राष्ट्रीय शिक्षुता प्रोत्साहन योजना national · Ministry of Skill Development and Entrepreneurship
Who qualifies ITI pass-outs or graduates.
What you get On-the-job training with a stipend.
What it actually costs you Requires registration on the portal.
Common gotcha Finding a company that is registered on the portal can be hard.
SWAYAM स्वयं national · Ministry of Education
Who qualifies Anyone wanting to learn.
What you get Free online courses from top universities.
What it actually costs you Free; requires internet and a device.
Common gotcha Certificates require a small fee and an in-person exam.
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