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Rohit is a mid-level IT administrator in a bustling metro, managing server racks by day and navigating digital tax filings by night. He relies on a mix of central government portals and statutory benefits to keep his family's finances and professional credentials in order.
National All India 24 Andaman and Nicobar Islands AN 8 Andhra Pradesh AP 5 Arunachal Pradesh AR 6 Assam AS 5 Bihar BR 8 Chhattisgarh CG 7 Chandigarh CH 6 Delhi DL 7 Dadra and Nagar Haveli and Daman and Diu DN 4 Goa GA 6 Gujarat GJ 5 Himachal Pradesh HP 6 Haryana HR 5 Jharkhand JH 6 Jammu and Kashmir JK 8 Karnataka KA 5 Kerala KL 6 Ladakh LA 6 Lakshadweep LD 7 Maharashtra MH 6 Meghalaya ML 6 Manipur MN 4 Madhya Pradesh MP 7 Mizoram MZ 4 Nagaland NL 6 Odisha OD 7 Punjab PB 5 Puducherry PY 6 Rajasthan RJ 6 Sikkim SK 7 Tamil Nadu TN 6 Tripura TR 5 Telangana TS 7 Uttarakhand UK 4 Uttar Pradesh UP 5 West Bengal WB 5 Managing the mandatory digital footprint required for every Indian professional.
Permanent Account Number स्थायी खाता संख्या national · Income Tax Department
Who qualifies Every tax-paying citizen and resident.
What you get A unique 10-digit alphanumeric identifier for all financial transactions.
What it actually costs you ₹93, takes 1-2 weeks, requires Aadhaar and proof of address.
Common gotcha Name on PAN must match Aadhaar exactly or the e-KYC will fail.
Aadhaar Card आधार national · UIDAI
Who qualifies All Indian residents.
What you get Biometric-based digital identity for all government and private services.
What it actually costs you Free for initial enrollment, small fee for updates; requires biometric verification.
Common gotcha Mobile number must be linked to receive OTPs for all services.
Income Tax Return Filing आयकर रिटर्न national · Income Tax Department
Who qualifies Individuals with taxable income above the basic exemption limit.
What you get Compliance with tax laws and eligibility for tax refunds.
What it actually costs you Zero to nominal fee if using a CA; requires Form 16 from employer.
Common gotcha Filing after the July 31st deadline attracts late fees and interest.
DigiLocker national · MeitY
Who qualifies Any citizen with an Aadhaar number.
What you get Cloud storage for digitally verified copies of driving license, PAN, and degrees.
What it actually costs you Free; requires Aadhaar-linked mobile number.
Common gotcha Not all state-specific documents are available on the platform yet.
UMANG App national · MeitY
Who qualifies Anyone with a smartphone.
What you get Single-window access to hundreds of central and state government services.
What it actually costs you Free; requires registration via mobile number.
Common gotcha The UI can be clunky; some services redirect to external websites.
EPF Member Portal कर्मचारी भविष्य निधि national · EPFO
Who qualifies Salaried employees in covered establishments.
What you get Monthly retirement savings contribution and access to partial withdrawals.
What it actually costs you 12% of basic salary deducted monthly; requires UAN activation.
Common gotcha UAN must be seeded with Aadhaar and bank account for seamless withdrawals. Keeping my tech certifications and professional credentials verified.
NPTEL Certification national · IITs and IISc
Who qualifies IT professionals and students.
What you get Industry-recognized certifications in emerging tech fields.
What it actually costs you ₹1,000 per course exam fee; requires time for assignments.
Common gotcha Assignments must be submitted weekly to qualify for the final exam.
SWAYAM Portal national · Ministry of Education
Who qualifies Any learner seeking free online courses.
What you get Access to high-quality courses from top universities.
What it actually costs you Free for learning; small fee for proctored certification.
Common gotcha Courses are not always available on-demand; they follow a semester cycle.
Skill India Digital national · MSDE
Who qualifies Professionals seeking vocational training.
What you get Access to government-certified training programs and job portals.
What it actually costs you Mostly free; requires Aadhaar for profile creation.
Common gotcha Quality of training centers can vary significantly by location.
National Career Service national · Ministry of Labour and Employment
Who qualifies Job seekers in India.
What you get Access to a national database of job openings and career counseling.
What it actually costs you Free; requires detailed profile registration.
Common gotcha Private job portals are often more updated than this government database.
Startup India Recognition national · DPIIT
Who qualifies Early-stage tech startups.
What you get Tax benefits, patent fee rebates, and easier compliance.
What it actually costs you Free registration; requires detailed business plan and incorporation docs.
Common gotcha Recognition is not automatic; requires strict adherence to definition criteria.
Cyber Hygiene Awareness national · MeitY / CERT-In
Who qualifies IT professionals and general public.
What you get Guidelines and tools to secure digital infrastructure.
What it actually costs you Free; requires time to study advisories.
Common gotcha Advisories are often technical and require some domain knowledge. Accessing affordable healthcare and insurance beyond company coverage.
Ayushman Bharat PM-JAY आयुष्मान भारत national · National Health Authority
Who qualifies Economically vulnerable families (check eligibility on portal).
What you get ₹5 lakh annual health cover per family for secondary and tertiary care.
What it actually costs you Free; requires e-KYC and beneficiary card.
Common gotcha Many private hospitals have limited slots for PM-JAY patients.
Employees' State Insurance कर्मचारी राज्य बीमा national · ESIC
Who qualifies Employees earning up to ₹21,000 per month.
What you get Comprehensive medical care and sickness benefits.
What it actually costs you 0.75% of wages deducted; employer pays 3.25%.
Common gotcha Service quality at ESI hospitals is often criticized for long wait times.
Pradhan Mantri Bhartiya Janaushadhi Pariyojana जन औषधि national · Department of Pharmaceuticals
Who qualifies Everyone.
What you get Generic medicines at 50-90% lower prices than branded ones.
What it actually costs you Zero; just walk into a Janaushadhi Kendra.
Common gotcha Not all specific brands are available; must accept generic equivalents.
Ayushman Bharat Digital Mission आयुष्मान भारत डिजिटल मिशन national · NHA
Who qualifies Any citizen.
What you get A unique health ID to store and share medical records digitally.
What it actually costs you Free; requires Aadhaar or mobile number.
Common gotcha Privacy concerns regarding centralized health data storage.
Central Government Health Scheme सीजीएचएस 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 salary grade.
Common gotcha Requires specific empanelled hospital referrals for specialized care.
National Health Helpline national · Ministry of Health
Who qualifies Any citizen.
What you get 1075 helpline for health information and COVID-19 related queries.
What it actually costs you Free call.
Common gotcha High call volume can lead to long wait times. Using government-backed schemes for secure, tax-efficient savings.
Public Provident Fund पीपीएफ national · Ministry of Finance
Who qualifies Any Indian citizen.
What you get Tax-free interest on long-term savings (15-year lock-in).
What it actually costs you Minimum ₹500/year; requires bank account.
Common gotcha Premature withdrawal is restricted until the 7th year.
National Pension System एनपीएस national · PFRDA
Who qualifies Citizens aged 18-70.
What you get Market-linked retirement corpus with tax benefits.
What it actually costs you Low maintenance fees; requires PRAN generation.
Common gotcha Exit rules are strict; only 60% of the corpus can be withdrawn as a lump sum at retirement.
Sukanya Samriddhi Yojana सुकन्या समृद्धि योजना national · Ministry of Finance
Who qualifies Parents of a girl child under 10 years old.
What you get High-interest savings scheme for daughter's education/marriage.
What it actually costs you Minimum ₹250/year; requires birth certificate.
Common gotcha Can only be opened for up to two daughters.
Basic Savings Bank Deposit Account national · RBI / Public Sector Banks
Who qualifies Any citizen.
What you get Zero-balance savings account with basic banking services.
What it actually costs you KYC documentation required.
Common gotcha Limited number of free ATM withdrawals per month.
Post Office Monthly Income Scheme डाकघर मासिक आय योजना national · Department of Posts
Who qualifies Any resident.
What you get Fixed monthly interest payout on a lump sum deposit.
What it actually costs you Requires visit to a local post office.
Common gotcha Interest rates are subject to quarterly revision by the government.
Sovereign Gold Bond सॉवरेन गोल्ड बॉन्ड national · RBI
Who qualifies Individuals and trusts.
What you get Investment in gold without physical storage risks, plus 2.5% annual interest.
What it actually costs you Purchase price of gold; 8-year maturity.
Common gotcha Liquidity is low; selling before maturity requires secondary market trading.
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Where we run
Bangalore + Czechia
Our own metal · GDPR · DPDPA
