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Priya is a middle-class parent navigating the complexities of raising children in India, balancing school admissions, health insurance, and long-term savings. This hub covers the essential central schemes and portals she relies on to secure her family's future, with state-specific support detailed in the regional sections.
National All India 24 Andaman and Nicobar Islands AN 7 Andhra Pradesh AP 7 Arunachal Pradesh AR 8 Assam AS 8 Bihar BR 6 Chhattisgarh CG 6 Chandigarh CH 5 Delhi DL 8 Dadra and Nagar Haveli and Daman and Diu DN 6 Goa GA 6 Gujarat GJ 7 Himachal Pradesh HP 7 Haryana HR 7 Jharkhand JH 5 Jammu and Kashmir JK 6 Karnataka KA 6 Kerala KL 7 Ladakh LA 7 Lakshadweep LD 5 Maharashtra MH 6 Meghalaya ML 7 Manipur MN 7 Madhya Pradesh MP 5 Mizoram MZ 7 Nagaland NL 6 Odisha OD 5 Punjab PB 8 Puducherry PY 8 Rajasthan RJ 6 Sikkim SK 7 Tamil Nadu TN 5 Tripura TR 7 Telangana TS 6 Uttarakhand UK 6 Uttar Pradesh UP 7 West Bengal WB 7 Securing long-term funds for higher education and marriage is the biggest financial priority for an Indian parent.
Sukanya Samriddhi Yojana सुकन्या समृद्धि योजना national · Ministry of Finance
Who qualifies Parents of a girl child under 10 years of age.
What you get High-interest tax-free savings account for the girl's education and marriage.
What it actually costs you Minimum deposit of ₹250 per year; requires birth certificate and parent ID.
Common gotcha The account can only be opened for up to two daughters, unless there are twins/triplets.
Public Provident Fund लोक भविष्य निधि national · Ministry of Finance
Who qualifies Any Indian resident parent.
What you get Long-term tax-saving investment with sovereign guarantee.
What it actually costs you 15-year lock-in period; minimum ₹500 annual deposit.
Common gotcha Partial withdrawals are only allowed after 7 years.
NPS Vatsalya national · Pension Fund Regulatory and Development Authority
Who qualifies Parents opening an account for their minor child.
What you get Long-term retirement corpus building for the child.
What it actually costs you Minimum ₹1,000 annual contribution.
Common gotcha The corpus is locked until the child turns 18.
Kishore Vaigyanik Protsahan Yojana national · Department of Science and Technology
Who qualifies Students in 11th, 12th, or first year of undergraduate science courses.
What you get Monthly fellowship and annual contingency grant for science research.
What it actually costs you Competitive exam process; requires school recommendation.
Common gotcha It is highly competitive and requires a strong foundation in science/math.
PM YASASVI Scholarship national · Ministry of Social Justice and Empowerment
Who qualifies Students from OBC, EBC, and DNT categories in classes 9-12.
What you get Scholarship ranging from ₹75,000 to ₹1,25,000 per annum.
What it actually costs you Requires income certificate and caste certificate.
Common gotcha Selection is based on a national entrance test.
Central Sector Scheme of Scholarship for College and University Students national · Department of Higher Education
Who qualifies Students scoring above 80th percentile in Class 12 board exams.
What you get Financial assistance for graduate and postgraduate studies.
What it actually costs you Annual renewal based on academic performance.
Common gotcha Family income must be below ₹4.5 lakhs per annum. Managing medical expenses without draining savings is critical for every parent.
Ayushman Bharat PM-JAY आयुष्मान भारत प्रधानमंत्री जन आरोग्य योजना national · National Health Authority
Who qualifies Families identified as vulnerable based on SECC 2011 data.
What you get ₹5 lakh annual health cover per family for secondary and tertiary care.
What it actually costs you Zero cost; requires e-KYC and family card.
Common gotcha Many private hospitals have limited slots for PM-JAY patients.
Pradhan Mantri Bhartiya Janaushadhi Pariyojana प्रधानमंत्री भारतीय जन औषधि परियोजना national · Department of Pharmaceuticals
Who qualifies All citizens.
What you get Quality generic medicines at 50-90% lower prices than branded ones.
What it actually costs you Requires a valid prescription from a doctor.
Common gotcha Not all branded medicines have a generic equivalent available at every store.
Mission Indradhanush मिशन इंद्रधनुष national · Ministry of Health and Family Welfare
Who qualifies Children up to 5 years and pregnant women.
What you get Full immunization against 12 vaccine-preventable diseases.
What it actually costs you Free of cost at government health centers.
Common gotcha Requires keeping the immunization card safe for years.
Rashtriya Bal Swasthya Karyakram राष्ट्रीय बाल स्वास्थ्य कार्यक्रम national · Ministry of Health and Family Welfare
Who qualifies Children from birth to 18 years.
What you get Free screening for 4Ds (Defects, Deficiencies, Diseases, Developmental delays).
What it actually costs you Usually conducted in schools or Anganwadi centers.
Common gotcha Follow-up treatment often requires referral to specific district hospitals.
ESIC Medical Benefits कर्मचारी राज्य बीमा निगम national · Employees' State Insurance Corporation
Who qualifies Employees earning below a certain threshold and their dependents.
What you get Comprehensive medical care for the entire family.
What it actually costs you Contribution deducted from salary.
Common gotcha Requires an ESI Pehchan card for every dependent.
Central Government Health Scheme केंद्रीय सरकार स्वास्थ्य योजना national · Ministry of Health and Family Welfare
Who qualifies Central government employees and pensioners.
What you get Comprehensive healthcare through wellness centers and empanelled hospitals.
What it actually costs you Monthly contribution based on pay scale.
Common gotcha Referral from a CGHS wellness center is mandatory for specialist care. Aadhaar and PAN are the keys to accessing almost every service in India.
Aadhaar आधार national · UIDAI
Who qualifies All residents of India.
What you get Unique identity proof for all government and private services.
What it actually costs you Free for initial enrollment; small fee for updates.
Common gotcha Mobile number must be linked to receive OTPs for all services.
Permanent Account Number पैन कार्ड national · Income Tax Department
Who qualifies All taxpayers and financial account holders.
What you get Tax identity and mandatory document for high-value transactions.
What it actually costs you Application fee of approx ₹100.
Common gotcha Must be linked with Aadhaar to avoid penalties.
DigiLocker डिजिलॉकर national · Ministry of Electronics and IT
Who qualifies All citizens with an Aadhaar number.
What you get Digital storage for verified government documents.
What it actually costs you Free; requires Aadhaar-linked mobile number.
Common gotcha Documents are only valid if issued directly by the source department.
Passport Seva पासपोर्ट सेवा national · Ministry of External Affairs
Who qualifies All Indian citizens.
What you get International travel document and identity proof.
What it actually costs you Application fee of ₹1,500; requires police verification.
Common gotcha Names on all documents (Aadhaar/School certs) must match exactly.
Voter ID (EPIC) मतदाता पहचान पत्र national · Election Commission of India
Who qualifies Citizens aged 18+.
What you get Right to vote and valid identity proof.
What it actually costs you Free; requires address proof.
Common gotcha Name must be on the electoral roll of the current constituency.
Birth Certificate जन्म प्रमाण पत्र national · Registrar General of India
Who qualifies All citizens.
What you get Primary proof of age for school and legal purposes.
What it actually costs you Small administrative fee; must be registered within 21 days.
Common gotcha Late registration requires a magistrate's order. Most government interactions are now digital, saving time on queues.
UMANG App उमंग national · Ministry of Electronics and IT
Who qualifies All citizens.
What you get Single window for hundreds of central and state government services.
What it actually costs you Free; requires registration with mobile number.
Common gotcha Some state-specific services are not fully functional in all regions.
MyGov Platform माईगव national · Government of India
Who qualifies All citizens.
What you get Platform for citizen engagement, policy feedback, and information.
What it actually costs you Free.
Common gotcha It is more for information and feedback than for transactional services.
India Post Payments Bank इंडिया पोस्ट पेमेंट्स बैंक national · Department of Posts
Who qualifies All citizens.
What you get Banking services, especially in rural and semi-urban areas.
What it actually costs you Minimal account maintenance fees.
Common gotcha Deposit limits apply as it is a payments bank.
National Scholarship Portal नेशनल स्कॉलरशिप पोर्टल national · Ministry of Electronics and IT
Who qualifies Students eligible for various central scholarships.
What you get Centralized application and tracking for scholarships.
What it actually costs you Requires Aadhaar-based authentication.
Common gotcha Deadlines are strict; missing them means waiting a full year.
EPFO Unified Portal ईपीएफओ national · Employees' Provident Fund Organisation
Who qualifies Salaried employees.
What you get Access to PF balance, withdrawal, and transfer requests.
What it actually costs you Requires UAN activation.
Common gotcha KYC must be updated and approved by the employer to withdraw funds.
Income Tax e-Filing Portal आयकर ई-फाइलिंग national · Income Tax Department
Who qualifies All taxpayers.
What you get Online filing of income tax returns and refund tracking.
What it actually costs you Free; requires PAN and Aadhaar.
Common gotcha Verification of ITR (e-Verification) is mandatory after filing.
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