← All India hubs Receptionist
India Hindi (हिन्दी) ₹ INR
Siya is a 26-year-old receptionist working at a corporate office in a Tier-1 city, balancing her modest salary with the aspirations of city life. She is constantly looking for ways to save on taxes, secure her future, and access government benefits that make her urban existence a little more affordable.
National All India 24 Andaman and Nicobar Islands AN 8 Andhra Pradesh AP 6 Arunachal Pradesh AR 5 Assam AS 7 Bihar BR 5 Chhattisgarh CG 5 Chandigarh CH 5 Delhi DL 6 Dadra and Nagar Haveli and Daman and Diu DN 5 Goa GA 5 Gujarat GJ 4 Himachal Pradesh HP 5 Haryana HR 5 Jharkhand JH 7 Jammu and Kashmir JK 5 Karnataka KA 6 Kerala KL 5 Ladakh LA 6 Lakshadweep LD 6 Maharashtra MH 7 Meghalaya ML 5 Manipur MN 4 Madhya Pradesh MP 5 Mizoram MZ 4 Nagaland NL 7 Odisha OD 6 Punjab PB 5 Puducherry PY 6 Rajasthan RJ 6 Sikkim SK 5 Tamil Nadu TN 6 Tripura TR 6 Telangana TS 6 Uttarakhand UK 6 Uttar Pradesh UP 5 West Bengal WB 4 I need to maximize my take-home pay and build a safety net for my family.
Employees' Provident Fund कर्मचारी भविष्य निधि national · EPFO
Who qualifies Salaried employees in establishments with 20+ staff.
What you get 12% of basic salary saved + 12% employer contribution + annual interest.
What it actually costs you Mandatory deduction from salary; UAN activation required.
Common gotcha Employers often delay linking the UAN, making withdrawals difficult during job changes.
Public Provident Fund लोक भविष्य निधि national · Ministry of Finance
Who qualifies Any Indian resident.
What you get Tax-free interest and EEE tax status on long-term savings.
What it actually costs you Minimum ₹500/year; 15-year lock-in period.
Common gotcha People forget that partial withdrawals are only allowed after 7 years.
National Pension System 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; market-linked returns.
Common gotcha It is a retirement product, not a liquid savings account.
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 rates for daughter's education/marriage fund.
What it actually costs you Minimum ₹250 deposit per year.
Common gotcha Account can only be opened for up to two daughters.
Income Tax E-Filing आयकर ई-फाइलिंग national · Income Tax Department
Who qualifies Any individual with taxable income.
What you get Refunds for excess TDS deducted by employer.
What it actually costs you PAN card, Aadhaar, and Form 16.
Common gotcha Filing late attracts a penalty of up to ₹5,000.
DigiLocker डिजिलॉकर national · MeitY
Who qualifies Any Aadhaar holder.
What you get Digital copies of PAN, Aadhaar, and marksheets legally equivalent to originals.
What it actually costs you Free; requires mobile number linked to Aadhaar.
Common gotcha Documents not linked to your Aadhaar won't show up automatically. Medical costs are the biggest threat to my savings, so I need to know my coverage.
Ayushman Bharat PM-JAY आयुष्मान भारत प्रधानमंत्री जन आरोग्य योजना national · National Health Authority
Who qualifies Low-income families based on SECC 2011 data.
What you get ₹5 lakh health cover per family per year for secondary/tertiary care.
What it actually costs you Free; requires Ayushman card.
Common gotcha Many private hospitals refuse to accept it despite being empanelled.
Employees' State Insurance कर्मचारी राज्य बीमा national · ESIC Corporation
Who qualifies Employees earning up to ₹21,000/month.
What you get Full medical care for self and family, plus sickness benefits.
What it actually costs you 0.75% of salary contribution.
Common gotcha ESI dispensaries often have long queues and limited medicine stock.
Pradhan Mantri Bhartiya Janaushadhi Pariyojana प्रधानमंत्री भारतीय जनऔषधि परियोजना national · Department of Pharmaceuticals
Who qualifies Anyone needing affordable medicine.
What you get Generic medicines at 50-90% lower prices than branded ones.
What it actually costs you Prescription from a doctor.
Common gotcha Staff at private pharmacies might discourage you from buying generic.
Co-WIN Portal को-विन national · Ministry of Health
Who qualifies All citizens.
What you get Vaccination scheduling and digital certificates.
What it actually costs you Aadhaar/ID proof.
Common gotcha Name mismatches on the certificate are a nightmare to correct.
AYUSH Health Services आयुष national · Ministry of AYUSH
Who qualifies General public.
What you get Access to traditional medicine (Ayurveda, Yoga, Unani).
What it actually costs you Consultation fees at government clinics.
Common gotcha Not all insurance covers AYUSH treatments.
e-RaktKosh ई-रक्तकोष national · Ministry of Health
Who qualifies Anyone in need of blood.
What you get Real-time availability of blood units in nearby banks.
What it actually costs you Processing fees at the blood bank.
Common gotcha Data is not always updated in real-time by hospitals. Without these, I can't open a bank account or apply for a loan.
Aadhaar Card आधार कार्ड national · UIDAI
Who qualifies All Indian residents.
What you get Universal identity proof for all government services.
What it actually costs you Biometric update fees (approx ₹50-100).
Common gotcha Mobile number must be linked to receive OTPs for everything.
Passport Seva पासपोर्ट सेवा national · Ministry of External Affairs
Who qualifies Indian citizens.
What you get International travel document and strong ID proof.
What it actually costs you ₹1,500 application fee + police verification.
Common gotcha Police verification can be delayed if your address proof is old.
PAN Card पैन कार्ड national · Income Tax Department
Who qualifies Taxpayers.
What you get Mandatory for all financial transactions over ₹50,000.
What it actually costs you ₹66 application fee.
Common gotcha Name on PAN must exactly match Aadhaar for linking.
Voter ID (EPIC) मतदाता पहचान पत्र national · Election Commission of India
Who qualifies Citizens 18+.
What you get Right to vote and valid address proof.
What it actually costs you Free; requires proof of residence.
Common gotcha Names often get misspelled; check the portal before elections.
Driving License (Parivahan) ड्राइविंग लाइसेंस national · Ministry of Road Transport
Who qualifies Citizens 18+.
What you get Legal right to drive and valid ID.
What it actually costs you Test fees and RTO charges.
Common gotcha The learner's license is only valid for 6 months.
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 smartphone.
Common gotcha Some services are just links to websites, not fully integrated. I spend hours commuting; I need to know my rights and booking options.
IRCTC Rail Booking आईआरसीटीसी national · Ministry of Railways
Who qualifies All citizens.
What you get Train ticket bookings and status tracking.
What it actually costs you Service charges per ticket.
Common gotcha Tatkal tickets sell out in seconds.
FASTag फास्टैग national · NHAI
Who qualifies Vehicle owners.
What you get Automatic toll deduction at highways.
What it actually costs you Tag issuance fee + security deposit.
Common gotcha Low balance leads to double toll charges.
DigiYatra डिजीयात्रा national · Ministry of Civil Aviation
Who qualifies Air passengers.
What you get Contactless, paperless entry at airports.
What it actually costs you Registration via app.
Common gotcha Not available at all airports yet.
National Permit for Vehicles नेशनल परमिट national · Ministry of Road Transport
Who qualifies Commercial vehicle owners.
What you get Inter-state movement rights.
What it actually costs you Annual permit fees.
Common gotcha Permit must be renewed annually to avoid fines.
RailMadad रेल मदद national · Indian Railways
Who qualifies Train passengers.
What you get Grievance redressal for train issues.
What it actually costs you Free; PNR required.
Common gotcha Response time varies by station.
BH-Series Registration बीएच सीरीज national · Ministry of Road Transport
Who qualifies Employees with transferable jobs.
What you get Vehicle registration valid across all states.
What it actually costs you Road tax paid for 2 years at a time.
Common gotcha Only available for employees of central/state/private firms with offices in 4+ states.
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
