← All India hubs Financial Advisor
India Hindi (हिन्दी) ₹ INR
As a financial advisor, I spend my days navigating the complex web of Indian tax laws, investment vehicles, and regulatory filings for my clients. This hub serves as my personal reference for the national-level frameworks, portals, and compliance mechanisms that form the backbone of my professional life and personal financial planning.
National All India 24 Andaman and Nicobar Islands AN 8 Andhra Pradesh AP 6 Arunachal Pradesh AR 7 Assam AS 6 Bihar BR 7 Chhattisgarh CG 7 Chandigarh CH 7 Delhi DL 7 Dadra and Nagar Haveli and Daman and Diu DN 6 Goa GA 7 Gujarat GJ 8 Himachal Pradesh HP 6 Haryana HR 6 Jharkhand JH 7 Jammu and Kashmir JK 8 Karnataka KA 8 Kerala KL 6 Ladakh LA 8 Lakshadweep LD 6 Maharashtra MH 5 Meghalaya ML 6 Manipur MN 8 Madhya Pradesh MP 7 Mizoram MZ 8 Nagaland NL 7 Odisha OD 6 Punjab PB 8 Puducherry PY 6 Rajasthan RJ 5 Sikkim SK 8 Tamil Nadu TN 6 Tripura TR 8 Telangana TS 6 Uttarakhand UK 8 Uttar Pradesh UP 7 West Bengal WB 6 Ensuring my clients remain compliant with the Income Tax Department is the foundation of my practice.
Income Tax e-Filing Portal आयकर विभाग national · Income Tax Department
Who qualifies Every tax-paying individual and entity in India.
What you get Platform for filing ITR, verifying PAN, and tracking refunds.
What it actually costs you Free; requires Aadhaar-PAN linking and digital signature for some entities.
Common gotcha Frequent server downtime during peak filing deadlines.
TRACES national · Income Tax Department
Who qualifies Deductors and taxpayers dealing with TDS/TCS.
What you get View Form 26AS, download TDS certificates, and track tax credits.
What it actually costs you Free; requires registration with PAN and TAN.
Common gotcha Password resets often require a digital signature or bank account validation.
GST Common Portal national · GST Council
Who qualifies Businesses with turnover exceeding threshold limits.
What you get Registration, monthly/quarterly return filing, and input tax credit management.
What it actually costs you Free; requires DSC for corporate entities.
Common gotcha GSTR-2B reconciliation is the most common point of error for clients.
PAN Services (NSDL/UTIITSL) national · Income Tax Department
Who qualifies Any resident requiring a Permanent Account Number.
What you get New PAN issuance or correction of details.
What it actually costs you Approx ₹107; requires Aadhaar e-KYC.
Common gotcha Name mismatch between Aadhaar and PAN is the #1 cause of rejection.
TAN Registration national · Income Tax Department
Who qualifies Entities required to deduct or collect tax at source.
What you get Tax Deduction and Collection Account Number.
What it actually costs you ₹65; involves Form 49B.
Common gotcha Often confused with PAN by small business owners.
Electronic Verification Code (EVC) national · Income Tax Department
Who qualifies Taxpayers filing returns online without DSC.
What you get Digital authentication of tax returns.
What it actually costs you Free; requires mobile number linked to Aadhaar.
Common gotcha OTP delivery delays on non-Jio networks. These are the government-backed instruments I recommend for risk-averse clients.
Public Provident Fund लोक भविष्य निधि national · Ministry of Finance
Who qualifies Any Indian resident individual.
What you get Tax-free interest, EEE tax status, 15-year lock-in.
What it actually costs you Minimum ₹500/year; opened at post offices or public banks.
Common gotcha Partial withdrawal is only allowed after 7 years.
National Pension System राष्ट्रीय पेंशन प्रणाली national · PFRDA
Who qualifies Citizens aged 18-70.
What you get Market-linked retirement corpus with tax benefits under 80CCD(1B).
What it actually costs you Minimal account opening fee; annual maintenance charges apply.
Common gotcha The annuity purchase requirement at age 60 is often misunderstood.
Sukanya Samriddhi Yojana सुकन्या समृद्धि योजना national · Ministry of Finance
Who qualifies Parents of girl children under 10.
What you get High interest rate for girl child education/marriage.
What it actually costs you Minimum ₹250/year.
Common gotcha Account becomes inactive if minimum deposit is not made.
Senior Citizen Savings Scheme वरिष्ठ नागरिक बचत योजना national · Ministry of Finance
Who qualifies Individuals aged 60+.
What you get Quarterly interest payouts, safe government-backed returns.
What it actually costs you Max limit ₹30 lakhs per individual.
Common gotcha Interest is fully taxable.
Kisan Vikas Patra किसान विकास पत्र national · Ministry of Finance
Who qualifies Any adult resident.
What you get Doubles investment amount over a fixed tenure.
What it actually costs you Minimum ₹1,000 investment.
Common gotcha No tax benefit under 80C.
Sovereign Gold Bond सॉवरेन गोल्ड बॉन्ड national · RBI
Who qualifies Residents, HUFs, Trusts.
What you get Gold price appreciation + 2.5% annual interest.
What it actually costs you Available only during specific issuance windows.
Common gotcha Liquidity is low; secondary market trading is thin.
Every financial transaction now requires these digital keys.
Aadhaar आधार national · UIDAI
Who qualifies All Indian residents.
What you get Universal identity proof for banking and KYC.
What it actually costs you Free for initial enrollment; small fee for updates.
Common gotcha Biometric failure is common; keep mobile number updated for OTP.
DigiLocker डिजिलॉकर national · MeitY
Who qualifies Aadhaar holders.
What you get Cloud storage for legally valid digital documents.
What it actually costs you Free.
Common gotcha Not all insurance companies accept DigiLocker copies for claims.
Unified Payments Interface यूपीआई national · NPCI
Who qualifies Bank account holders with a smartphone.
What you get Instant inter-bank fund transfers.
What it actually costs you Free for personal use.
Common gotcha Transaction limits vary by bank.
eSign national · CCA
Who qualifies Aadhaar holders.
What you get Digital signature for documents.
What it actually costs you Minimal fee per transaction.
Common gotcha Requires active Aadhaar-linked mobile number.
UMANG App उमंग national · MeitY
Who qualifies All citizens.
What you get Single window for all government services.
What it actually costs you Free.
Common gotcha UI can be clunky compared to dedicated portals.
Digital Signature Certificate (DSC) national · CCA
Who qualifies Authorized signatories for businesses.
What you get Legally binding digital signature for filings.
What it actually costs you ₹1,500–₹3,000 for 2 years.
Common gotcha USB tokens are easily lost or corrupted.
When clients face issues with financial institutions or regulators, these are the paths to resolution.
RBI Integrated Ombudsman Scheme national · Reserve Bank of India
Who qualifies Bank customers with unresolved grievances.
What you get Redressal of complaints against banks/NBFCs.
What it actually costs you Free.
Common gotcha Must have approached the bank first and waited 30 days.
SCORES Portal national · SEBI
Who qualifies Investors in securities market.
What you get Resolution of complaints against brokers or listed companies.
What it actually costs you Free.
Common gotcha SEBI does not resolve disputes involving private financial advice.
National Consumer Helpline national · Ministry of Consumer Affairs
Who qualifies Any consumer.
What you get Mediation for consumer grievances.
What it actually costs you Free.
Common gotcha Not a court; decisions are not always binding.
MCA21 Portal national · Ministry of Corporate Affairs
Who qualifies Company directors and secretaries.
What you get Corporate filings, director identification, company search.
What it actually costs you Filing fees vary by company capital.
Common gotcha Late filing fees are extremely punitive.
EPFiGMS national · EPFO
Who qualifies EPF members.
What you get Resolution of PF withdrawal or transfer issues.
What it actually costs you Free.
Common gotcha UAN must be linked to Aadhaar for any action.
Bima Bharosa national · IRDAI
Who qualifies Policyholders.
What you get Grievance redressal against insurance companies.
What it actually costs you Free.
Common gotcha Insurance companies often delay responses until the portal is used.
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
