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India Hindi (हिन्दी) ₹ INR
Shalini is a 28-year-old UX Researcher living in a metro city, balancing freelance projects and a full-time job. She navigates the digital-first Indian landscape to manage her taxes, investments, and professional growth while keeping an eye on the latest government-backed financial and digital infrastructure.
National All India 24 Andaman and Nicobar Islands AN 8 Andhra Pradesh AP 5 Arunachal Pradesh AR 5 Assam AS 6 Bihar BR 5 Chhattisgarh CG 6 Chandigarh CH 5 Delhi DL 6 Dadra and Nagar Haveli and Daman and Diu DN 7 Goa GA 6 Gujarat GJ 6 Himachal Pradesh HP 5 Haryana HR 6 Jharkhand JH 6 Jammu and Kashmir JK 7 Karnataka KA 6 Kerala KL 7 Ladakh LA 4 Lakshadweep LD 5 Maharashtra MH 7 Meghalaya ML 6 Manipur MN 5 Madhya Pradesh MP 7 Mizoram MZ 4 Nagaland NL 8 Odisha OD 7 Punjab PB 6 Puducherry PY 5 Rajasthan RJ 6 Sikkim SK 5 Tamil Nadu TN 6 Tripura TR 8 Telangana TS 8 Uttarakhand UK 5 Uttar Pradesh UP 6 West Bengal WB 8 Keeping my freelance and salary income compliant while optimizing tax savings.
Income Tax e-Filing Portal आयकर ई-फाइलिंग national · Income Tax Department
Who qualifies Every individual with taxable income in India.
What you get Legal compliance and processing of tax refunds.
What it actually costs you Free to file; requires PAN, Aadhaar, and Form 26AS.
Common gotcha Mismatch between Form 26AS and your actual TDS deductions often causes processing delays.
Public Provident Fund (PPF) लोक भविष्य निधि national · Ministry of Finance
Who qualifies Any Indian resident citizen.
What you get Tax-free interest income and EEE tax status.
What it actually costs you Minimum ₹500/year, 15-year lock-in period.
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 Additional ₹50,000 tax deduction under 80CCD(1B).
What it actually costs you Annual maintenance charges; requires PRAN generation.
Common gotcha It is a market-linked product, not a guaranteed return scheme like PPF.
Sukanya Samriddhi Yojana सुकन्या समृद्धि योजना national · Ministry of Finance
Who qualifies Parents of girl children under 10.
What you get High interest rates (currently ~8.2%) with tax benefits.
What it actually costs you Minimum ₹250 deposit per year.
Common gotcha The account can only be opened for up to two girl children.
Sovereign Gold Bonds सॉवरेन गोल्ड बॉन्ड national · RBI
Who qualifies Resident individuals.
What you get 2.5% annual interest plus gold price appreciation, tax-free on maturity.
What it actually costs you Available only during specific subscription tranches.
Common gotcha Liquidity is low; you must wait for the 8-year maturity or sell on stock exchanges.
EPFO Unified Portal कर्मचारी भविष्य निधि संगठन national · Ministry of Labour and Employment
Who qualifies Salaried employees in registered establishments.
What you get Retirement savings and emergency withdrawal facility.
What it actually costs you UAN activation required; mobile number must be linked to Aadhaar.
Common gotcha Name/DOB mismatch between Aadhaar and EPFO records is the #1 cause of claim rejection. Keeping my identity documents updated for seamless KYC and service access.
Aadhaar Services आधार national · UIDAI
Who qualifies All Indian residents.
What you get Universal identity proof for all government and private services.
What it actually costs you Free to update online; nominal fee at physical centers.
Common gotcha If your mobile number isn't linked, you cannot perform any online updates.
DigiLocker डिजिलॉकर national · MeitY
Who qualifies All Aadhaar holders.
What you get Legally valid digital copies of driving license, PAN, and academic certificates.
What it actually costs you Free; requires Aadhaar-based registration.
Common gotcha Some private institutions still insist on physical copies despite government mandates.
Passport Seva पासपोर्ट सेवा national · Ministry of External Affairs
Who qualifies Indian citizens.
What you get International travel document.
What it actually costs you ₹1,500 for standard application; requires police verification.
Common gotcha Tatkaal appointments are extremely hard to book; plan weeks in advance.
Voter Portal (NVSP) मतदाता सेवा पोर्टल 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 address proof.
Common gotcha Updating address after moving cities is a multi-step process involving booth-level officers.
UMANG App उमंग national · MeitY
Who qualifies All citizens.
What you get Single app for 1000+ government services.
What it actually costs you Free; requires phone storage.
Common gotcha The UI is often clunky compared to private apps.
PAN Card Services पैन कार्ड national · Income Tax Department
Who qualifies Taxpayers.
What you get Mandatory financial identity for banking and investments.
What it actually costs you Approx ₹107 for reprint/correction.
Common gotcha Ensure your name on PAN matches your bank account exactly to avoid transaction failures. Managing health records and finding affordable care when I'm sick.
ABHA (Health ID) आयुष्मान भारत स्वास्थ्य खाता national · National Health Authority
Who qualifies All citizens.
What you get Digitized medical records accessible anywhere.
What it actually costs you Free; requires Aadhaar.
Common gotcha Few private hospitals have integrated their systems with ABHA yet.
Ayushman Bharat PM-JAY आयुष्मान भारत प्रधानमंत्री जन आरोग्य योजना national · NHA
Who qualifies Lower-income groups (check eligibility on portal).
What you get ₹5 lakh health cover per family per year.
What it actually costs you Free for eligible beneficiaries.
Common gotcha Many private hospitals refuse to honor it if they haven't been empanelled.
Pradhan Mantri Bhartiya Janaushadhi Pariyojana प्रधानमंत्री भारतीय जन औषधि परियोजना 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 Just the cost of the medicine.
Common gotcha Stock availability of specific medicines can be hit or miss.
Employees' State Insurance (ESI) कर्मचारी राज्य बीमा national · ESIC
Who qualifies Employees earning below ₹21,000/month.
What you get Full medical care and cash benefits during sickness.
What it actually costs you 1.75% of wages (employer pays 4.75%).
Common gotcha The quality of care in ESI hospitals varies drastically by region.
Co-WIN Portal को-विन national · Ministry of Health
Who qualifies All citizens.
What you get Vaccination certificates for travel and health records.
What it actually costs you Free.
Common gotcha Certificate corrections can only be done through the portal, not at the center.
National Health Portal राष्ट्रीय स्वास्थ्य पोर्टल national · Ministry of Health
Who qualifies Everyone.
What you get Verified health information and directory of hospitals.
What it actually costs you Free.
Common gotcha It is an information portal, not a booking platform. Finding government-backed certifications and platforms to stay competitive in UX.
SWAYAM स्वयं national · Ministry of Education
Who qualifies Students and professionals.
What you get Free online courses from IITs/IIMs.
What it actually costs you Free to learn; small fee for proctored exams.
Common gotcha Course schedules are rigid; they don't follow a self-paced model.
NPTEL एनपीटीईएल national · IITs
Who qualifies Professionals and students.
What you get Technical certifications recognized by industry.
What it actually costs you Exam fees apply.
Common gotcha The rigor is very high; don't underestimate the weekly assignments.
Skill India Digital स्किल इंडिया national · MSDE
Who qualifies All citizens.
What you get Vocational training and job matching.
What it actually costs you Free.
Common gotcha Most courses are focused on trade skills, not high-end tech/UX.
National Career Service राष्ट्रीय करियर सेवा national · Ministry of Labour
Who qualifies Job seekers.
What you get Access to government and private sector job listings.
What it actually costs you Free.
Common gotcha The job matching algorithm is less sophisticated than private portals like LinkedIn.
Startup India स्टार्टअप इंडिया national · DPIIT
Who qualifies Registered startups.
What you get Tax exemptions and easier patent filing.
What it actually costs you Requires DPIIT recognition.
Common gotcha Getting the tax exemption certificate is a complex bureaucratic hurdle.
MyGov माईगव national · MeitY
Who qualifies All citizens.
What you get Platform to participate in government policy discussions and design contests.
What it actually costs you Free.
Common gotcha Participating doesn't guarantee your feedback will influence policy.
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
