← All India hubs Virtual Assistant
India Hindi (हिन्दी) ₹ INR
Sangeeta is a freelance virtual assistant living in India, juggling multiple digital clients while trying to manage her own taxes, health insurance, and savings. This hub covers the essential central schemes and digital portals she needs to navigate her professional and personal life, with state-specific support detailed in the regional sections.
National All India 24 Andaman and Nicobar Islands AN 8 Andhra Pradesh AP 6 Arunachal Pradesh AR 8 Assam AS 5 Bihar BR 6 Chhattisgarh CG 4 Chandigarh CH 6 Delhi DL 5 Dadra and Nagar Haveli and Daman and Diu DN 7 Goa GA 5 Gujarat GJ 6 Himachal Pradesh HP 5 Haryana HR 5 Jharkhand JH 6 Jammu and Kashmir JK 7 Karnataka KA 7 Kerala KL 7 Ladakh LA 6 Lakshadweep LD 6 Maharashtra MH 6 Meghalaya ML 5 Manipur MN 6 Madhya Pradesh MP 5 Mizoram MZ 6 Nagaland NL 6 Odisha OD 6 Punjab PB 6 Puducherry PY 5 Rajasthan RJ 6 Sikkim SK 6 Tamil Nadu TN 6 Tripura TR 4 Telangana TS 8 Uttarakhand UK 5 Uttar Pradesh UP 8 West Bengal WB 6 As a freelancer, I need to manage my own tax filings and professional identity to keep my income stream stable.
Permanent Account Number (PAN) स्थायी खाता संख्या national · Income Tax Department
Who qualifies Every tax-paying Indian citizen.
What you get Unique 10-digit alphanumeric identifier for all financial transactions.
What it actually costs you Approx ₹95-110, requires Aadhaar and proof of identity.
Common gotcha Name on PAN must match Aadhaar exactly or e-filing will fail.
Aadhaar आधार national · UIDAI
Who qualifies All Indian residents.
What you get Universal digital identity for KYC and government services.
What it actually costs you Free for first-time enrollment; nominal fees for updates.
Common gotcha Mobile number must be linked to receive OTPs for all digital portals.
Udyam Registration उद्यम पंजीकरण national · Ministry of MSME
Who qualifies Micro, small, and medium enterprises, including freelancers.
What you get Official recognition of business status, helpful for bank loans.
What it actually costs you Free; requires Aadhaar and PAN.
Common gotcha Often confused with a business license; it's a registration, not a permit.
GST Registration जीएसटी पंजीकरण national · GST Council
Who qualifies Service providers with annual turnover exceeding ₹20 lakhs.
What you get Legal authority to charge GST and claim input tax credits.
What it actually costs you Free to register, but requires monthly/quarterly compliance filings.
Common gotcha Once registered, you must file returns even if your income is zero.
DigiLocker डिजिलॉकर national · MeitY
Who qualifies All Aadhaar holders.
What you get Digital storage for verified documents like PAN, driving license, and degrees.
What it actually costs you Free; requires Aadhaar-linked phone number.
Common gotcha Documents are legally equivalent to originals, but some physical offices still insist on paper.
e-Shram Portal ई-श्रम national · Ministry of Labour and Employment
Who qualifies Unorganized sector workers, including gig workers.
What you get Social security database access and accidental insurance cover.
What it actually costs you Free; requires Aadhaar and bank details.
Common gotcha Not a substitute for formal employment benefits. Without corporate insurance, I need to know how to access affordable healthcare and government safety nets.
Ayushman Bharat PM-JAY आयुष्मान भारत प्रधानमंत्री जन आरोग्य योजना national · National Health Authority
Who qualifies Economically vulnerable families identified by SECC data.
What you get ₹5 lakh annual health cover per family for secondary/tertiary care.
What it actually costs you Free; requires Ayushman card.
Common gotcha Check if your specific hospital is empanelled before going.
Pradhan Mantri Bhartiya Janaushadhi Pariyojana प्रधानमंत्री भारतीय जन औषधि परियोजना national · Department of Pharmaceuticals
Who qualifies General public.
What you get High-quality generic medicines at 50-90% lower prices.
What it actually costs you Zero; just walk into a Kendra.
Common gotcha Availability of specific brands varies; carry your prescription.
ESIC (Voluntary Coverage) कर्मचारी राज्य बीमा निगम national · ESIC
Who qualifies Workers in certain sectors; some states allow voluntary enrollment.
What you get Medical care and cash benefits during sickness/maternity.
What it actually costs you Monthly contribution based on income.
Common gotcha Complex enrollment process for non-salaried individuals.
ABHA (Ayushman Bharat Health Account) आभा national · National Health Authority
Who qualifies All citizens.
What you get Digital health record storage and sharing.
What it actually costs you Free.
Common gotcha Many private clinics are still not integrated with the ABHA network.
Co-WIN को-विन national · Ministry of Health and Family Welfare
Who qualifies All citizens for vaccination records.
What you get Digitally verified vaccination certificates.
What it actually costs you Free.
Common gotcha Name on certificate must match ID proof exactly.
Tele-MANAS टेली-मानस national · Ministry of Health and Family Welfare
Who qualifies Anyone needing mental health support.
What you get 24/7 free tele-counseling services.
What it actually costs you Free; call 14416.
Common gotcha It is a counseling service, not a substitute for emergency psychiatric care. Since I don't have a corporate PF, I need to use government-backed schemes to build my retirement corpus.
Public Provident Fund (PPF) लोक भविष्य निधि national · Ministry of Finance
Who qualifies All Indian residents.
What you get Tax-free interest on long-term savings (15-year lock-in).
What it actually costs you Minimum ₹500/year, maximum ₹1.5 lakh/year.
Common gotcha You cannot withdraw the full amount before 15 years; only partial withdrawals allowed after 7 years.
National Pension System (NPS) राष्ट्रीय पेंशन प्रणाली national · PFRDA
Who qualifies Citizens aged 18-70.
What you get Market-linked pension corpus with tax benefits.
What it actually costs you Minimum contribution depends on the account type.
Common gotcha It is a long-term investment; liquidity is very low until retirement.
Sukanya Samriddhi Yojana सुकन्या समृद्धि योजना national · Ministry of Finance
Who qualifies Parents of girl children under 10.
What you get High-interest savings scheme for daughter's education/marriage.
What it actually costs you Minimum ₹250/year.
Common gotcha Account can only be opened for up to two girl children.
Atal Pension Yojana (APY) अटल पेंशन योजना national · PFRDA
Who qualifies Citizens aged 18-40.
What you get Guaranteed monthly pension of ₹1,000 to ₹5,000 after 60.
What it actually costs you Monthly premium based on age of entry.
Common gotcha If you are an income taxpayer, you are ineligible.
Post Office Savings Schemes डाकघर बचत योजनाएं national · India Post
Who qualifies All citizens.
What you get Safe, government-backed savings (RD, MIS, Time Deposits).
What it actually costs you Depends on the scheme; requires physical visit to open.
Common gotcha Digital banking is limited compared to private banks.
PM SVANidhi पीएम स्वनिधि national · Ministry of Housing and Urban Affairs
Who qualifies Street vendors and small service providers.
What you get Collateral-free working capital loan up to ₹50,000.
What it actually costs you Interest subsidy provided by government.
Common gotcha Requires a letter of recommendation from local urban bodies. As a virtual assistant, I rely on these portals to handle my own paperwork and access public services.
UMANG App उमंग national · MeitY
Who qualifies All citizens.
What you get Single app for 1000+ government services (PF, bills, taxes).
What it actually costs you Free.
Common gotcha Some services redirect to external sites that may not be mobile-optimized.
National Portal of India भारत का राष्ट्रीय पोर्टल national · NIC
Who qualifies All citizens.
What you get Centralized gateway to all government forms and information.
What it actually costs you Free.
Common gotcha It's a directory, not a transaction portal; you'll often be redirected.
MyGov माईगव national · Government of India
Who qualifies All citizens.
What you get Platform for citizen engagement and scheme updates.
What it actually costs you Free.
Common gotcha Mostly for information and participation, not for service delivery.
Passport Seva पासपोर्ट सेवा national · Ministry of External Affairs
Who qualifies All citizens.
What you get Official travel document.
What it actually costs you ₹1,500 for standard application.
Common gotcha Police verification is mandatory and often causes delays.
Voter Service Portal मतदाता सेवा पोर्टल national · Election Commission of India
Who qualifies Citizens 18+.
What you get Voter ID card and electoral roll registration.
What it actually costs you Free.
Common gotcha Updates to address can take months to reflect.
National Scholarship Portal (NSP) राष्ट्रीय छात्रवृत्ति पोर्टल national · Ministry of Education
Who qualifies Students pursuing higher education.
What you get Access to various central government scholarships.
What it actually costs you Free; requires income and caste certificates.
Common gotcha Deadlines are strict and often missed.
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
