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Riya is a software developer living in a metro city, balancing a fast-paced tech career with the need to manage her personal finances, taxes, and long-term security. This hub covers the essential national frameworks, tax portals, and regulatory requirements she encounters as a professional in India.
National All India 24 Andaman and Nicobar Islands AN 6 Andhra Pradesh AP 6 Arunachal Pradesh AR 5 Assam AS 4 Bihar BR 6 Chhattisgarh CG 5 Chandigarh CH 6 Delhi DL 6 Dadra and Nagar Haveli and Daman and Diu DN 4 Goa GA 6 Gujarat GJ 7 Himachal Pradesh HP 6 Haryana HR 8 Jharkhand JH 5 Jammu and Kashmir JK 5 Karnataka KA 6 Kerala KL 5 Ladakh LA 8 Lakshadweep LD 6 Maharashtra MH 7 Meghalaya ML 6 Manipur MN 7 Madhya Pradesh MP 6 Mizoram MZ 8 Nagaland NL 7 Odisha OD 8 Punjab PB 6 Puducherry PY 5 Rajasthan RJ 6 Sikkim SK 6 Tamil Nadu TN 6 Tripura TR 6 Telangana TS 8 Uttarakhand UK 5 Uttar Pradesh UP 7 West Bengal WB 8 Essential for filing returns, claiming deductions, and ensuring legal compliance as a salaried professional.
Income Tax e-Filing Portal आयकर ई-फाइलिंग national · Income Tax Department
Who qualifies Every individual earning taxable income in India.
What you get Compliance with tax laws and processing of refunds.
What it actually costs you Free, requires PAN, Aadhaar, and Form 16.
Common gotcha Filing late attracts heavy penalties and interest under section 234F.
Permanent Account Number (PAN) स्थायी खाता संख्या national · NSDL / UTIITSL
Who qualifies All taxpayers.
What you get Universal identification for all financial transactions.
What it actually costs you Approx ₹100, requires identity and address proof.
Common gotcha PAN and Aadhaar must be linked to avoid deactivation.
Aadhaar आधार national · UIDAI
Who qualifies All residents of India.
What you get Digital identity proof for banking, KYC, and government services.
What it actually costs you Free, requires biometric enrollment.
Common gotcha Keep mobile number updated to receive OTPs for all services.
DigiLocker डिजिलॉकर national · MeitY
Who qualifies Any citizen with an Aadhaar number.
What you get Digital storage for verified documents like PAN, driving license, and degrees.
What it actually costs you Free, requires Aadhaar-linked mobile number.
Common gotcha Documents are legally equivalent to originals, but some physical offices still demand paper.
Tax Deduction and Collection Account Number national · Income Tax Department
Who qualifies Individuals/entities required to deduct TDS.
What you get Legal ability to deduct tax at source.
What it actually costs you Minimal processing fee, Form 49B required.
Common gotcha Often confused with PAN; TAN is for tax deductors only.
TRACES Portal national · Income Tax Department
Who qualifies Taxpayers tracking TDS credits.
What you get View Form 26AS and tax credit statements.
What it actually costs you Free, requires login credentials.
Common gotcha Data updates with a lag; check quarterly. Tax-efficient investment vehicles to build a corpus while reducing taxable income.
Public Provident Fund लोक भविष्य निधि national · Ministry of Finance
Who qualifies Any Indian citizen.
What you get Tax-free interest and EEE tax status on maturity.
What it actually costs you Minimum ₹500/year, 15-year lock-in.
Common gotcha Premature withdrawal is restricted to specific emergencies.
National Pension System राष्ट्रीय पेंशन प्रणाली national · PFRDA
Who qualifies Citizens aged 18-70.
What you get Market-linked retirement savings with additional tax deduction under 80CCD(1B).
What it actually costs you Varies by fund manager, exit is restricted.
Common gotcha Annuity purchase is mandatory at age 60.
Sukanya Samriddhi Yojana सुकन्या समृद्धि योजना national · Ministry of Finance
Who qualifies Parents of a girl child under 10.
What you get High-interest tax-saving investment for daughter's future.
What it actually costs you Minimum ₹250/year.
Common gotcha Account can only be opened for up to two daughters.
Kisan Vikas Patra किसान विकास पत्र national · India Post
Who qualifies Any resident adult.
What you get Fixed interest rate, doubles investment in a set period.
What it actually costs you Minimum ₹1000.
Common gotcha Not tax-saving under 80C.
National Savings Certificate राष्ट्रीय बचत पत्र national · India Post
Who qualifies Any resident.
What you get Fixed income with 80C tax benefits.
What it actually costs you 5-year lock-in.
Common gotcha Interest is taxable but reinvested.
Sovereign Gold Bonds सॉवरेन गोल्ड बॉन्ड national · RBI
Who qualifies Individuals, HUFs, Trusts.
What you get Gold price appreciation + 2.5% annual interest.
What it actually costs you 8-year tenure, available in tranches.
Common gotcha Liquidity is lower than physical gold; trade on exchange to exit early. Resources for professional certification, intellectual property, and industry networking.
SWAYAM Portal स्वयं national · Ministry of Education
Who qualifies Anyone seeking certification courses.
What you get Free access to high-quality courses from IITs/IIMs.
What it actually costs you Free, small fee for proctored exams.
Common gotcha Course deadlines are strict.
Startup India Recognition स्टार्टअप इंडिया national · DPIIT
Who qualifies Entities less than 10 years old with <100cr turnover.
What you get Tax exemptions and easier patent filing.
What it actually costs you Online application, requires business proof.
Common gotcha Recognition is not the same as tax exemption; apply for both separately.
IP India Services बौद्धिक संपदा भारत national · Controller General of Patents, Designs and Trademarks
Who qualifies Any innovator.
What you get Legal protection for inventions.
What it actually costs you Filing fees vary; legal assistance recommended.
Common gotcha Process takes years; maintain confidentiality until filing.
Udyam Registration उद्यम पंजीकरण national · Ministry of MSME
Who qualifies Small business owners/freelancers.
What you get Priority sector lending and government tender benefits.
What it actually costs you Free, Aadhaar-based.
Common gotcha Do not use paid third-party websites; the official portal is free.
NPTEL national · IITs
Who qualifies Engineering professionals.
What you get Advanced technical certifications.
What it actually costs you Nominal exam fees.
Common gotcha Assignments are mandatory for certification.
Skill India Digital कौशल भारत national · MSDE
Who qualifies Professionals seeking vocational training.
What you get Industry-recognized skill certifications.
What it actually costs you Free or subsidized.
Common gotcha Quality varies by training partner. National health portals and insurance frameworks that provide a safety net.
Ayushman Bharat Digital Mission आयुष्मान भारत national · NHA
Who qualifies All citizens.
What you get Health ID (ABHA) to store medical records digitally.
What it actually costs you Free, Aadhaar-linked.
Common gotcha Doctors must be registered on the system for records to sync.
Employees' State Insurance कर्मचारी राज्य बीमा national · ESIC
Who qualifies Employees with wages up to ₹21,000.
What you get Full medical care and cash benefits during sickness.
What it actually costs you Contribution deducted from salary.
Common gotcha Network hospitals are limited; check availability in your area.
Employees' Provident Fund कर्मचारी भविष्य निधि national · EPFO
Who qualifies Salaried employees in covered establishments.
What you get Retirement corpus and insurance (EDLI).
What it actually costs you Employer/Employee contribution.
Common gotcha UAN must be linked to Aadhaar for withdrawals.
Pradhan Mantri Suraksha Bima Yojana प्रधानमंत्री सुरक्षा बीमा योजना national · Department of Financial Services
Who qualifies Citizens aged 18-70 with bank accounts.
What you get Accidental death/disability insurance of ₹2 lakh.
What it actually costs you ₹20/year premium.
Common gotcha Must renew annually via bank auto-debit.
Pradhan Mantri Jeevan Jyoti Bima Yojana प्रधानमंत्री जीवन ज्योति बीमा योजना national · Department of Financial Services
Who qualifies Citizens aged 18-50.
What you get Life insurance cover of ₹2 lakh.
What it actually costs you ₹436/year.
Common gotcha Only for death due to any cause.
Atal Pension Yojana अटल पेंशन योजना national · PFRDA
Who qualifies Citizens aged 18-40.
What you get Guaranteed monthly pension post-60.
What it actually costs you Monthly contribution based on age.
Common gotcha Exit before 60 is difficult and results in loss of government co-contribution.
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
