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Roshni is a digital nomad and affiliate marketer navigating the gig economy from her laptop. She needs to manage her taxes, stay compliant with digital regulations, and secure her financial future without a traditional employer's support.
National All India 24 Andaman and Nicobar Islands AN 8 Andhra Pradesh AP 4 Arunachal Pradesh AR 4 Assam AS 6 Bihar BR 8 Chhattisgarh CG 5 Chandigarh CH 6 Delhi DL 8 Dadra and Nagar Haveli and Daman and Diu DN 5 Goa GA 5 Gujarat GJ 8 Himachal Pradesh HP 6 Haryana HR 5 Jharkhand JH 6 Jammu and Kashmir JK 6 Karnataka KA 5 Kerala KL 8 Ladakh LA 7 Lakshadweep LD 8 Maharashtra MH 6 Meghalaya ML 8 Manipur MN 4 Madhya Pradesh MP 6 Mizoram MZ 6 Nagaland NL 7 Odisha OD 8 Punjab PB 8 Puducherry PY 5 Rajasthan RJ 8 Sikkim SK 5 Tamil Nadu TN 5 Tripura TR 6 Telangana TS 7 Uttarakhand UK 7 Uttar Pradesh UP 7 West Bengal WB 7 As a freelancer, Roshni must handle her own tax filings and GST compliance to avoid penalties on her affiliate commissions.
Permanent Account Number स्थायी खाता संख्या national · Income Tax Department
Who qualifies Every earning individual in India.
What you get A unique 10-digit alphanumeric identity for all financial transactions.
What it actually costs you Approx ₹107; requires Aadhaar and proof of address.
Common gotcha Mismatch in name spelling between Aadhaar and PAN causes major delays.
Goods and Services Tax Registration वस्तु एवं सेवा कर पंजीकरण national · CBIC
Who qualifies Service providers with annual turnover exceeding ₹20 lakhs.
What you get Legal authority to charge GST on services and claim input tax credit.
What it actually costs you Free to register; requires digital signature or Aadhaar authentication.
Common gotcha Forgetting to file Nil returns even if no commission is earned in a month.
Section 44ADA Presumptive Taxation national · Income Tax Department
Who qualifies Freelancers and professionals with gross receipts up to ₹75 lakhs.
What you get Pay tax on only 50% of your gross receipts as deemed profit.
What it actually costs you No extra cost; just select the correct ITR form (ITR-4).
Common gotcha You cannot claim further business expenses if you opt for this scheme.
Form 26AS / AIS national · Income Tax Department
Who qualifies All taxpayers.
What you get A consolidated statement of all taxes deducted on your affiliate payouts.
What it actually costs you Free; accessible via login.
Common gotcha Affiliate networks often deduct TDS at 10%; ensure this reflects here.
Udyam Registration उद्यम पंजीकरण national · Ministry of MSME
Who qualifies Small business owners and freelancers.
What you get Official MSME status, useful for bank loans and government tenders.
What it actually costs you Free; requires Aadhaar.
Common gotcha Many fake websites charge money for this; use only the official portal.
Income Tax Return Filing आयकर रिटर्न national · Income Tax Department
Who qualifies Individuals with taxable income.
What you get Legal compliance and proof of income for loans/visas.
What it actually costs you Free if self-filed; time-consuming.
Common gotcha Missing the July 31st deadline leads to late fees. Without corporate insurance, Roshni needs to build her own safety net to cover health and retirement.
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 Minimum ₹500 per contribution.
Common gotcha Funds are locked until age 60, with limited withdrawal options.
Public Provident Fund लोक भविष्य निधि national · Ministry of Finance
Who qualifies Any resident individual.
What you get Tax-free interest and EEE (Exempt-Exempt-Exempt) status.
What it actually costs you Minimum ₹500/year; 15-year lock-in.
Common gotcha Cannot close the account before 15 years except for specific emergencies.
Ayushman Bharat PM-JAY आयुष्मान भारत national · National Health Authority
Who qualifies Economically vulnerable families (check eligibility on portal).
What you get ₹5 lakh health cover per family per year for secondary/tertiary care.
What it actually costs you Free for eligible beneficiaries.
Common gotcha Not all private hospitals are empanelled; check the list first.
Pradhan Mantri Suraksha Bima Yojana प्रधानमंत्री सुरक्षा बीमा योजना national · Department of Financial Services
Who qualifies Age 18-70 with a bank account.
What you get Accidental death/disability insurance of ₹2 lakhs.
What it actually costs you ₹20 per year (auto-debited).
Common gotcha Must renew annually if the bank doesn't auto-debit.
Pradhan Mantri Jeevan Jyoti Bima Yojana प्रधानमंत्री जीवन ज्योति बीमा योजना national · Department of Financial Services
Who qualifies Age 18-50 with a bank account.
What you get Life insurance cover of ₹2 lakhs.
What it actually costs you ₹436 per year.
Common gotcha Only covers death; no maturity benefit.
Atal Pension Yojana अटल पेंशन योजना national · PFRDA
Who qualifies Age 18-40.
What you get Guaranteed monthly pension of ₹1,000 to ₹5,000 after 60.
What it actually costs you Monthly contribution based on entry age.
Common gotcha If you are a taxpayer, you are ineligible to join.
Roshni needs robust digital IDs to open bank accounts, sign contracts, and verify her identity online.
Aadhaar आधार national · UIDAI
Who qualifies All residents of India.
What you get Universal biometric identity proof.
What it actually costs you Free; requires biometric update every few years.
Common gotcha Mobile number must be linked to receive OTPs for all government services.
DigiLocker डिजिलॉकर national · MeitY
Who qualifies All citizens with Aadhaar.
What you get Digital storage for verified documents like PAN, driving license, and degrees.
What it actually costs you Free.
Common gotcha Documents in DigiLocker are legally equivalent to originals; keep them updated.
eSign national · CCA
Who qualifies Aadhaar holders.
What you get Legally valid digital signature for signing contracts.
What it actually costs you Usually free via platforms integrated with Aadhaar.
Common gotcha Requires Aadhaar-linked mobile number for OTP verification.
EPIC (Voter ID) मतदाता पहचान पत्र national · Election Commission of India
Who qualifies Citizens 18+.
What you get Right to vote and a valid address/identity proof.
What it actually costs you Free; requires online application.
Common gotcha Name must be on the electoral roll of your current constituency.
Passport पासपोर्ट national · Ministry of External Affairs
Who qualifies Citizens of India.
What you get International travel document and gold-standard identity proof.
What it actually costs you ₹1,500; requires police verification.
Common gotcha Tatkaal appointments fill up within minutes.
Aadhaar-PAN Linking national · Income Tax Department
Who qualifies All PAN holders.
What you get Ensures your tax identity remains active.
What it actually costs you ₹1,000 penalty fee.
Common gotcha PAN becomes inoperative if not linked, stalling bank transactions. Roshni needs to keep her digital skills sharp and access credit to scale her affiliate marketing business.
SWAYAM स्वयं national · Ministry of Education
Who qualifies Anyone seeking self-improvement.
What you get Free online courses from top institutes like IITs/IIMs.
What it actually costs you Free; certification has a nominal fee.
Common gotcha Courses are time-bound; don't miss the enrollment window.
Pradhan Mantri Mudra Yojana प्रधानमंत्री मुद्रा योजना national · Department of Financial Services
Who qualifies Small business owners.
What you get Collateral-free loans up to ₹10 lakhs.
What it actually costs you Bank processing fees vary.
Common gotcha Banks often demand collateral despite the 'collateral-free' tag.
Skill India Digital स्किल इंडिया national · MSDE
Who qualifies Anyone looking to upskill.
What you get Access to vocational training and digital skills.
What it actually costs you Mostly free.
Common gotcha Quality of training centers varies significantly.
Startup India Recognition स्टार्टअप इंडिया national · DPIIT
Who qualifies Innovative business entities.
What you get Tax exemptions and access to government networking.
What it actually costs you Free registration.
Common gotcha Strict criteria for what qualifies as an 'innovative' startup.
NPTEL national · IIT Madras / Ministry of Education
Who qualifies Anyone.
What you get Advanced technical and business courses.
What it actually costs you Free; exam fee is around ₹1,000.
Common gotcha Assignments are rigorous; completion requires discipline.
CGTMSE national · Ministry of MSME
Who qualifies MSME borrowers.
What you get Credit guarantee for collateral-free loans.
What it actually costs you Guarantee fee paid by the bank.
Common gotcha You must ensure your bank is a member of the CGTMSE network.
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
