← All India hubs Mechanic
India Hindi (हिन्दी) ₹ INR
Vihaan is a skilled mechanic working in a small urban workshop, constantly balancing daily repair jobs with long-term financial security for his family. This hub covers the central government protections, insurance, and welfare schemes that every Indian worker like Vihaan should know to stay afloat.
National All India 24 Andaman and Nicobar Islands AN 7 Andhra Pradesh AP 5 Arunachal Pradesh AR 6 Assam AS 6 Bihar BR 6 Chhattisgarh CG 6 Chandigarh CH 4 Delhi DL 6 Dadra and Nagar Haveli and Daman and Diu DN 5 Goa GA 5 Gujarat GJ 7 Himachal Pradesh HP 6 Haryana HR 6 Jharkhand JH 6 Jammu and Kashmir JK 5 Karnataka KA 5 Kerala KL 5 Ladakh LA 4 Lakshadweep LD 5 Maharashtra MH 5 Meghalaya ML 5 Manipur MN 5 Madhya Pradesh MP 4 Mizoram MZ 4 Nagaland NL 8 Odisha OD 6 Punjab PB 7 Puducherry PY 5 Rajasthan RJ 5 Sikkim SK 7 Tamil Nadu TN 6 Tripura TR 4 Telangana TS 6 Uttarakhand UK 5 Uttar Pradesh UP 7 West Bengal WB 6 Schemes that help me formalize my skills and get support for my workshop tools.
PM Vishwakarma Scheme पीएम विश्वकर्मा योजना national · Ministry of Micro, Small and Medium Enterprises
Who qualifies Traditional artisans and craftspeople like mechanics and blacksmiths.
What you get Skill training, ₹15,000 tool kit incentive, and collateral-free loans up to ₹3 lakh.
What it actually costs you Aadhaar, mobile linked to Aadhaar, and bank account; takes 1-2 months for verification.
Common gotcha You must have a certificate of recognition to apply for the loan component.
e-Shram Portal ई-श्रम पोर्टल national · Ministry of Labour and Employment
Who qualifies Unorganized sector workers aged 16-59.
What you get Accidental insurance cover of ₹2 lakh and easier access to government welfare.
What it actually costs you Free registration via Aadhaar; instant digital card generation.
Common gotcha It is not a direct cash transfer scheme; it is a database for future government aid.
Udyam Registration उद्यम पंजीकरण national · Ministry of MSME
Who qualifies Small workshop owners and micro-enterprises.
What you get Official recognition as an MSME, easier bank loans, and protection against delayed payments.
What it actually costs you Free online registration; requires PAN and Aadhaar.
Common gotcha Many private sites charge fees; use only the official government portal.
PM SVANidhi पीएम स्वनिधि national · Ministry of Housing and Urban Affairs
Who qualifies Street vendors and small service providers in urban areas.
What you get Working capital loan of up to ₹50,000 with interest subsidy.
What it actually costs you Vendor ID card or letter of recommendation from local body.
Common gotcha The interest subsidy is only credited if you repay on time.
Pradhan Mantri Kaushal Vikas Yojana प्रधानमंत्री कौशल विकास योजना national · National Skill Development Corporation
Who qualifies Youth and workers looking to upgrade technical skills.
What you get Industry-recognized certification and placement assistance.
What it actually costs you Free training; requires time commitment for classes.
Common gotcha Quality of training centers varies; check reviews before joining.
National Career Service नेशनल करियर सर्विस national · Ministry of Labour and Employment
Who qualifies Job seekers looking for formal employment.
What you get Access to a national database of job openings and career counseling.
What it actually costs you Free registration; requires Aadhaar.
Common gotcha Most listings are for formal sector jobs, not informal workshops. Medical bills can ruin a mechanic's savings; these schemes provide a safety net.
Ayushman Bharat PM-JAY आयुष्मान भारत प्रधानमंत्री जन आरोग्य योजना national · National Health Authority
Who qualifies Low-income families identified in the SECC database.
What you get ₹5 lakh annual health cover for secondary and tertiary care.
What it actually costs you Free; just need your Ayushman card at empanelled hospitals.
Common gotcha Not all private hospitals accept it; check the list on the portal first.
Pradhan Mantri 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 in case of death.
What it actually costs you ₹436 annual premium auto-debited from bank account.
Common gotcha You must renew it every year through your bank.
Pradhan Mantri 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 or disability cover of ₹2 lakh.
What it actually costs you ₹20 annual premium auto-debited from bank account.
Common gotcha Only covers accidents, not natural death.
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 Just the cost of the medicine; no special card needed.
Common gotcha Not every medicine is available in every store.
ESIC Medical Benefits ईएसआईसी चिकित्सा लाभ national · Employees' State Insurance Corporation
Who qualifies Workers in registered establishments with 10+ employees.
What you get Full medical care for self and family including hospital stays.
What it actually costs you Small monthly contribution deducted from salary.
Common gotcha Only works if your employer is actually depositing your contribution.
National Programme for Prevention and Control of Cancer, Diabetes, CVD and Stroke राष्ट्रीय गैर-संचारी रोग नियंत्रण कार्यक्रम national · Ministry of Health and Family Welfare
Who qualifies All citizens aged 30+.
What you get Free screening for diabetes, hypertension, and common cancers at PHCs.
What it actually costs you Free; just visit your local Primary Health Centre.
Common gotcha Often requires multiple visits for follow-ups. As a mechanic, I don't have a corporate pension, so I need to build my own.
Atal Pension Yojana अटल पेंशन योजना national · Pension Fund Regulatory and Development Authority
Who qualifies Citizens aged 18-40 with a bank account.
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; auto-debited.
Common gotcha If you stop paying, the account can be closed and money returned.
Pradhan Mantri Shram Yogi Maan-dhan प्रधानमंत्री श्रम योगी मान-धन national · Ministry of Labour and Employment
Who qualifies Unorganized workers earning under ₹15,000/month.
What you get Fixed monthly pension of ₹3,000 after age 60.
What it actually costs you Small monthly contribution; government matches the amount.
Common gotcha You cannot join if you are already covered by EPFO or NPS.
Public Provident Fund लोक भविष्य निधि national · Ministry of Finance
Who qualifies Any Indian citizen.
What you get Tax-free interest on long-term savings (15-year lock-in).
What it actually costs you Minimum ₹500/year deposit.
Common gotcha Money is locked for 15 years; limited withdrawal options.
Sukanya Samriddhi Yojana सुकन्या समृद्धि योजना national · Ministry of Finance
Who qualifies Parents of a girl child under 10.
What you get High-interest savings account for daughter's education/marriage.
What it actually costs you Minimum ₹250/year deposit.
Common gotcha Account can only be opened for up to two daughters.
National Pension System (NPS) राष्ट्रीय पेंशन प्रणाली national · PFRDA
Who qualifies Any citizen aged 18-70.
What you get Market-linked pension fund with tax benefits.
What it actually costs you Flexible contributions; small account management fees.
Common gotcha Returns are not guaranteed; depends on market performance.
Post Office Recurring Deposit डाकघर आवर्ती जमा national · India Post
Who qualifies Any citizen.
What you get Safe, government-backed monthly savings with decent interest.
What it actually costs you Minimum ₹100/month.
Common gotcha Interest rates are revised quarterly. Without these, I cannot access any of the other schemes.
Aadhaar Card आधार कार्ड national · UIDAI
Who qualifies Every resident of India.
What you get Universal identity proof for all govt services.
What it actually costs you Free for first enrollment; small fee for updates.
Common gotcha Keep your mobile number updated in Aadhaar to receive OTPs.
PAN Card पैन कार्ड national · Income Tax Department
Who qualifies Any citizen earning income.
What you get Required for all banking transactions over ₹50,000.
What it actually costs you Small application fee; can be done online.
Common gotcha Linking PAN with Aadhaar is mandatory to avoid penalties.
One Nation One Ration Card वन नेशन वन राशन कार्ड national · Department of Food and Public Distribution
Who qualifies Low-income families under NFSA.
What you get Subsidized food grains at any PDS shop in India.
What it actually costs you Free; requires linking with Aadhaar.
Common gotcha Biometric authentication at the shop can sometimes fail.
DigiLocker डिजिलॉकर national · MeitY
Who qualifies Any citizen with an Aadhaar card.
What you get Digital storage for all official documents (DL, RC, Marksheets).
What it actually costs you Free.
Common gotcha Documents in DigiLocker are legally equivalent to originals, but some officials still ask for paper.
Elector's Photo Identity Card वोटर आईडी national · Election Commission of India
Who qualifies Citizens aged 18+.
What you get Right to vote and valid identity proof.
What it actually costs you Free.
Common gotcha Updating address requires proof of residence.
Driving License ड्राइविंग लाइसेंस national · Ministry of Road Transport and Highways
Who qualifies Citizens aged 18+ who pass the driving test.
What you get Legal right to drive vehicles.
What it actually costs you Application fee and test fee.
Common gotcha Learning license is valid for only 6 months.
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