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India Hindi (हिन्दी) ₹ INR
Rekha is a meticulous accountant balancing corporate tax filings with her own family's financial planning. She navigates the complex web of Indian digital portals, statutory compliance, and investment schemes to ensure her household stays tax-efficient and secure.
National All India 24 Andaman and Nicobar Islands AN 6 Andhra Pradesh AP 5 Arunachal Pradesh AR 8 Assam AS 6 Bihar BR 5 Chhattisgarh CG 8 Chandigarh CH 6 Delhi DL 6 Dadra and Nagar Haveli and Daman and Diu DN 6 Goa GA 7 Gujarat GJ 7 Himachal Pradesh HP 6 Haryana HR 6 Jharkhand JH 5 Jammu and Kashmir JK 6 Karnataka KA 6 Kerala KL 7 Ladakh LA 4 Lakshadweep LD 8 Maharashtra MH 5 Meghalaya ML 8 Manipur MN 5 Madhya Pradesh MP 5 Mizoram MZ 6 Nagaland NL 6 Odisha OD 7 Punjab PB 6 Puducherry PY 5 Rajasthan RJ 6 Sikkim SK 8 Tamil Nadu TN 6 Tripura TR 5 Telangana TS 7 Uttarakhand UK 5 Uttar Pradesh UP 5 West Bengal WB 6 As an accountant, I need to stay on top of my own statutory obligations and digital identity tools to avoid penalties.
Permanent Account Number (PAN) स्थायी खाता संख्या national · Income Tax Department
Who qualifies Every taxpayer and financial entity in India.
What you get Unique 10-digit alphanumeric identity for all financial transactions.
What it actually costs you Approx ₹93-107; requires Aadhaar linking and proof of identity.
Common gotcha Failure to link PAN with Aadhaar leads to the PAN becoming inoperative and attracts a penalty.
Income Tax e-Filing Portal national · Income Tax Department
Who qualifies All individuals with taxable income.
What you get Platform to file ITR, view Form 26AS, and track refunds.
What it actually costs you Free; requires DSC or Aadhaar OTP for verification.
Common gotcha Mismatch between Form 26AS/AIS and your self-reported income often triggers automated scrutiny notices.
DigiLocker national · MeitY
Who qualifies Any Indian citizen with an Aadhaar number.
What you get Cloud-based storage for legally recognized digital copies of documents.
What it actually costs you Free; requires mobile number linked to Aadhaar.
Common gotcha Not all private institutions accept DigiLocker documents despite their legal validity.
Aadhaar Services (UIDAI) national · UIDAI
Who qualifies All residents of India.
What you get Biometric identity verification for all government and banking services.
What it actually costs you Nominal fees for physical updates at Aadhaar centers.
Common gotcha Outdated mobile numbers linked to Aadhaar prevent OTP-based authentication for critical services.
UMANG App national · MeitY
Who qualifies All citizens.
What you get Single window for hundreds of central and state government services.
What it actually costs you Free; requires smartphone and internet.
Common gotcha The app interface can be laggy during peak traffic hours.
NSDL/Protean Services national · NSDL e-Governance
Who qualifies Taxpayers and investors.
What you get Processing for PAN applications and TIN-related services.
What it actually costs you Standard application fees per service.
Common gotcha Confusing the official NSDL portal with look-alike private agent websites. I need tax-efficient, safe, and reliable investment vehicles for long-term financial security.
Public Provident Fund (PPF) लोक भविष्य निधि national · Ministry of Finance
Who qualifies Any Indian resident.
What you get E-E-E tax status, guaranteed returns, 15-year lock-in.
What it actually costs you Minimum ₹500/year, max ₹1.5 lakh/year.
Common gotcha Interest is calculated on the lowest balance between the 5th and end of the month.
National Pension System (NPS) राष्ट्रीय पेंशन प्रणाली national · PFRDA
Who qualifies Citizens aged 18-70.
What you get Market-linked retirement corpus with additional ₹50,000 tax deduction under 80CCD(1B).
What it actually costs you Low fund management charges.
Common gotcha The annuity purchase at age 60 is mandatory for 40% of the corpus.
Sukanya Samriddhi Yojana सुकन्या समृद्धि योजना national · Ministry of Finance
Who qualifies Parents of girl child under 10 years.
What you get High interest rate for girl child's education/marriage fund.
What it actually costs you Minimum ₹250/year.
Common gotcha Account can only be opened for up to two daughters (three in case of twins).
Kisan Vikas Patra किसान विकास पत्र national · Department of Posts
Who qualifies Any adult resident.
What you get Doubles investment amount in a fixed tenure.
What it actually costs you Minimum ₹1,000 investment.
Common gotcha Returns are fully taxable; not tax-saving under 80C.
Senior Citizen Savings Scheme वरिष्ठ नागरिक बचत योजना national · Ministry of Finance
Who qualifies Individuals 60+ (or 55+ with voluntary retirement).
What you get Quarterly interest payouts for retirees.
What it actually costs you Max limit ₹30 lakh.
Common gotcha Interest is taxable if it exceeds the threshold for senior citizens.
Sovereign Gold Bonds (SGB) सॉवरेन गोल्ड बॉन्ड national · RBI
Who qualifies Individuals, HUFs, trusts.
What you get 2.5% annual interest + capital appreciation of gold price, tax-free on maturity.
What it actually costs you Investment in multiples of 1 gram.
Common gotcha Liquidity is low; exit before 8 years requires selling on the stock exchange. Medical inflation is real; I need to ensure my family is covered by both public and private safety nets.
Ayushman Bharat PM-JAY आयुष्मान भारत national · National Health Authority
Who qualifies Low-income families identified by SECC 2011 data.
What you get ₹5 lakh annual health cover per family for secondary/tertiary care.
What it actually costs you Free; requires e-KYC.
Common gotcha Many private hospitals refuse to honor it if they are not empanelled.
Employees' State Insurance (ESI) national · ESIC Corporation
Who qualifies Employees earning up to ₹21,000/month in covered establishments.
What you get Comprehensive medical care and cash benefits during sickness/maternity.
What it actually costs you 0.75% of wages as employee contribution.
Common gotcha Quality of care at ESI dispensaries varies significantly by region.
Pradhan Mantri Jeevan Jyoti Bima Yojana 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/year premium.
Common gotcha Auto-debit from bank account must be active; coverage lapses if balance is insufficient.
Pradhan Mantri Suraksha Bima Yojana national · Department of Financial Services
Who qualifies Bank account holders aged 18-70.
What you get Accidental death/disability insurance up to ₹2 lakh.
What it actually costs you ₹20/year premium.
Common gotcha Only covers accidental death, not natural death.
Ayushman Bharat Digital Mission (ABDM) national · NHA
Who qualifies All citizens.
What you get Unique Health ID (ABHA) to store and share medical records digitally.
What it actually costs you Free; requires Aadhaar/Mobile.
Common gotcha Privacy concerns regarding centralized health data storage.
Pradhan Mantri Bhartiya Janaushadhi Pariyojana national · Department of Pharmaceuticals
Who qualifies All citizens.
What you get Quality generic medicines at 50-90% lower prices.
What it actually costs you Direct purchase at Kendras.
Common gotcha Availability of specific chronic disease medicines can be inconsistent. Whether it's a business trip or a family holiday, I need to know the best ways to book and travel.
IRCTC Rail Booking national · Indian Railways
Who qualifies All citizens.
What you get Train ticket booking and PNR status tracking.
What it actually costs you Ticket fare + nominal service charges.
Common gotcha Tatkal bookings disappear in seconds; requires fast internet and pre-saved passenger lists.
FASTag national · NHAI
Who qualifies All vehicle owners.
What you get Electronic toll collection at national highways.
What it actually costs you Tag issuance fee + security deposit.
Common gotcha Low balance leads to double toll deduction or blacklisting of the tag.
VAHAN Portal national · Ministry of Road Transport
Who qualifies Vehicle owners.
What you get Digital vehicle registration and tax payment.
What it actually costs you Government service fees.
Common gotcha Transfer of ownership requires physical presence at RTO in many states.
SARATHI Driving License national · Ministry of Road Transport
Who qualifies Eligible drivers.
What you get Driving license application and renewal.
What it actually costs you Application and test fees.
Common gotcha Appointment slots for driving tests are rarely available online.
Air Sewa national · Ministry of Civil Aviation
Who qualifies Air travelers.
What you get Grievance redressal for flight delays, lost baggage, and airport issues.
What it actually costs you Free.
Common gotcha Resolution time can be slow for complex airline disputes.
Passport Seva national · Ministry of External Affairs
Who qualifies Indian citizens.
What you get Passport issuance and renewal.
What it actually costs you ₹1,500 for standard application.
Common gotcha Police verification is the most common point of failure for delays.
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