← All India hubs Make-up Artist
India Hindi (हिन्दी) ₹ INR
Vidya is a freelance make-up artist balancing bridal bookings, salon gigs, and social media content creation. As a self-employed professional, she navigates the complexities of tax compliance, digital payments, and social security on her own. This hub covers the central schemes and portals she needs to keep her business running and her future secure.
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 6 Chandigarh CH 8 Delhi DL 5 Dadra and Nagar Haveli and Daman and Diu DN 4 Goa GA 5 Gujarat GJ 5 Himachal Pradesh HP 8 Haryana HR 6 Jharkhand JH 5 Jammu and Kashmir JK 5 Karnataka KA 5 Kerala KL 6 Ladakh LA 6 Lakshadweep LD 7 Maharashtra MH 4 Meghalaya ML 4 Manipur MN 8 Madhya Pradesh MP 6 Mizoram MZ 7 Nagaland NL 7 Odisha OD 6 Punjab PB 5 Puducherry PY 7 Rajasthan RJ 6 Sikkim SK 5 Tamil Nadu TN 6 Tripura TR 8 Telangana TS 6 Uttarakhand UK 7 Uttar Pradesh UP 5 West Bengal WB 5 Essential for professional credibility, accepting digital payments, and accessing credit for high-end equipment.
Udyam Registration उद्यम पंजीकरण national · Ministry of MSME
Who qualifies Any small business owner including freelancers.
What you get Official MSME status, easier access to bank loans, and protection against delayed payments.
What it actually costs you Free; requires Aadhaar and PAN, takes 15 minutes online.
Common gotcha People confuse it with paid consultancy sites; only use the official .gov.in portal.
PM SVANidhi Scheme पीएम स्वनिधि योजना 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 Zero processing fee; requires Vending Certificate or Letter of Recommendation.
Common gotcha Often seen as only for food vendors, but service providers are eligible.
GST Registration जीएसटी पंजीकरण national · CBIC
Who qualifies Businesses with turnover above ₹20 lakhs (or ₹40 lakhs for goods).
What you get Legal recognition to charge tax and claim input tax credit on professional products.
What it actually costs you Free to register, but requires monthly/quarterly filing compliance.
Common gotcha Once registered, you must file returns even if you have zero sales.
PMMY (Mudra Loan) प्रधानमंत्री मुद्रा योजना national · Department of Financial Services
Who qualifies Non-corporate, non-farm small/micro enterprises.
What you get Loans up to ₹10 lakhs under Shishu, Kishore, or Tarun categories.
What it actually costs you Varies by bank; requires a detailed business plan.
Common gotcha Banks often demand collateral despite the scheme being collateral-free.
e-Shram Portal ई-श्रम पोर्टल national · Ministry of Labour and Employment
Who qualifies Unorganized workers aged 16-59.
What you get Social security access and accidental insurance cover.
What it actually costs you Free; Aadhaar-linked mobile number required.
Common gotcha Does not replace formal pension schemes but helps in database inclusion.
DigiLocker डिजिलॉकर national · MeitY
Who qualifies All Indian citizens.
What you get Digital storage for PAN, Aadhaar, and professional certificates.
What it actually costs you Free; requires Aadhaar authentication.
Common gotcha Documents uploaded here are legally equivalent to originals. As a freelancer, Vidya has no employer-provided health insurance; she needs safety nets for herself and her family.
Ayushman Bharat PM-JAY आयुष्मान भारत प्रधानमंत्री जन आरोग्य योजना national · National Health Authority
Who qualifies Low-income 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.
PM Jeevan Jyoti Bima Yojana प्रधानमंत्री जीवन ज्योति बीमा योजना national · Department of Financial Services
Who qualifies Bank account holders aged 18-50.
What you get Life insurance cover of ₹2 lakh.
What it actually costs you ₹436 per year, auto-debited from bank account.
Common gotcha Must renew every year; it is not a long-term investment plan.
PM Suraksha Bima Yojana प्रधानमंत्री सुरक्षा बीमा योजना national · Department of Financial Services
Who qualifies Bank account holders aged 18-70.
What you get Accidental death/disability insurance up to ₹2 lakh.
What it actually costs you ₹20 per year, auto-debited.
Common gotcha Only covers accidents, not natural death.
Pradhan Mantri Bhartiya Janaushadhi Pariyojana प्रधानमंत्री भारतीय जन औषधि परियोजना national · Department of Pharmaceuticals
Who qualifies General public.
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 People often doubt the quality, but these are government-tested generic drugs.
NPS (National Pension System) राष्ट्रीय पेंशन प्रणाली national · PFRDA
Who qualifies Citizens aged 18-70.
What you get Retirement corpus with tax benefits.
What it actually costs you Minimum ₹500 contribution; annual maintenance fee.
Common gotcha Money is locked until age 60; limited withdrawal options.
Atal Pension Yojana अटल पेंशन योजना national · PFRDA
Who qualifies Unorganized sector workers aged 18-40.
What you get Guaranteed monthly pension of ₹1,000 to ₹5,000 after age 60.
What it actually costs you Monthly contribution based on age of entry.
Common gotcha If you stop paying, the account can be closed and corpus returned.
Vidya relies on UPI and social media; these tools help her stay connected and secure.
BharatNet भारतनेट national · Department of Telecommunications
Who qualifies Residents in rural/semi-urban areas.
What you get High-speed broadband connectivity.
What it actually costs you Subscription fees vary by local service provider.
Common gotcha Availability is still patchy in some regions.
Unified Payments Interface (UPI) यूपीआई national · NPCI
Who qualifies Anyone with a bank account and smartphone.
What you get Instant, zero-fee digital payments.
What it actually costs you Free; requires a bank-linked mobile number.
Common gotcha Always verify the merchant name before scanning QR codes.
National Cyber Crime Reporting Portal राष्ट्रीय साइबर अपराध रिपोर्टिंग पोर्टल national · Ministry of Home Affairs
Who qualifies Any victim of online fraud.
What you get Platform to report financial fraud or harassment.
What it actually costs you Free; requires incident details and evidence.
Common gotcha Report within 24 hours for the best chance of freezing funds.
UMANG App उमंग ऐप national · MeitY
Who qualifies All citizens.
What you get Single app for hundreds of government services.
What it actually costs you Free download.
Common gotcha Requires initial Aadhaar-based registration.
MyGov माईगव national · MeitY
Who qualifies All citizens.
What you get Updates on government policies and public participation.
What it actually costs you Free.
Common gotcha Mostly for information; not for direct service delivery.
Common Service Centres (CSC) जन सेवा केंद्र national · MeitY
Who qualifies Anyone needing help with digital forms.
What you get Assisted access to all government digital services.
What it actually costs you Small service fee per transaction.
Common gotcha Ensure you get a receipt for the service fee paid. Vidya needs these for contracts, bank accounts, and travel.
Aadhaar आधार national · UIDAI
Who qualifies All residents.
What you get Universal identity proof.
What it actually costs you Free for initial enrolment; nominal fees for updates.
Common gotcha Keep your mobile number updated in the system.
PAN Card पैन कार्ड national · Income Tax Department
Who qualifies All taxpayers.
What you get Tax identity for financial transactions.
What it actually costs you Nominal processing fee.
Common gotcha Link your PAN with Aadhaar to avoid penalties.
Passport Seva पासपोर्ट सेवा national · Ministry of External Affairs
Who qualifies Citizens of India.
What you get International travel document.
What it actually costs you ₹1,500 for standard application.
Common gotcha Police verification is mandatory; ensure address proof is current.
Voter ID (EPIC) मतदाता पहचान पत्र national · Election Commission of India
Who qualifies Citizens aged 18+.
What you get Right to vote and valid ID proof.
What it actually costs you Free.
Common gotcha Check your name on the electoral roll before every election.
Driving License (Parivahan) ड्राइविंग लाइसेंस national · Ministry of Road Transport and Highways
Who qualifies Individuals aged 18+.
What you get Legal permission to drive.
What it actually costs you Varies by state; includes test fees.
Common gotcha Always carry the digital version via DigiLocker.
ITR Filing आयकर रिटर्न national · Income Tax Department
Who qualifies Individuals with taxable income.
What you get Legal compliance and proof of income for loans.
What it actually costs you Free to file; professional fee if using a CA.
Common gotcha Don't miss the July 31st deadline.
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
