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Vikram is a skilled electrician working in the informal sector, balancing daily wage jobs with small-scale residential contracting. He navigates the complexities of national social security, digital identity, and skill certification to keep his household stable and his tools updated. This hub covers the central schemes he relies on, while state-specific support is detailed in the regional sections.
National All India 24 Andaman and Nicobar Islands AN 5 Andhra Pradesh AP 7 Arunachal Pradesh AR 6 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 6 Haryana HR 6 Jharkhand JH 6 Jammu and Kashmir JK 4 Karnataka KA 6 Kerala KL 5 Ladakh LA 4 Lakshadweep LD 7 Maharashtra MH 6 Meghalaya ML 4 Manipur MN 7 Madhya Pradesh MP 5 Mizoram MZ 4 Nagaland NL 5 Odisha OD 5 Punjab PB 5 Puducherry PY 4 Rajasthan RJ 6 Sikkim SK 5 Tamil Nadu TN 7 Tripura TR 5 Telangana TS 7 Uttarakhand UK 6 Uttar Pradesh UP 4 West Bengal WB 6 Securing identity and formal recognition is the first step to getting better-paying contracts.
e-Shram Portal ई-श्रम पोर्टल national · Ministry of Labour and Employment
Who qualifies Unorganized workers aged 16-59.
What you get Accidental insurance cover of ₹2 lakh and access to various social security schemes.
What it actually costs you Free; requires Aadhaar, bank account, and mobile number.
Common gotcha Many think this is a direct cash transfer scheme; it is actually a database for government benefit targeting.
PM Vishwakarma पीएम विश्वकर्मा national · Ministry of MSME
Who qualifies Traditional artisans and craftspeople, including electricians.
What you get Skill training with ₹500/day stipend, toolkit incentive of ₹15,000, and collateral-free credit.
What it actually costs you Aadhaar-based biometric verification; requires certificate of identification.
Common gotcha The toolkit incentive is provided as an e-voucher for purchasing tools, not cash.
Skill India Digital स्किल इंडिया डिजिटल national · MSDE
Who qualifies Anyone seeking vocational training or certification.
What you get Government-recognized certification for electrician trades to boost employability.
What it actually costs you Varies by course; some are free under government grants.
Common gotcha Certification is only valid if the training center is affiliated with NCVT/SCVT.
Udyam Registration उद्यम पंजीकरण national · Ministry of MSME
Who qualifies Small business owners and sole proprietors.
What you get Official MSME status, making it easier to get bank loans and participate in government tenders.
What it actually costs you Free; requires Aadhaar and PAN.
Common gotcha People often pay agents for this; it is completely free and instant online.
National Career Service राष्ट्रीय करियर सेवा 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 profile creation with skills.
Common gotcha Most jobs listed are for formal companies; fewer for daily-wage freelance work.
NSDC Recognition of Prior Learning पूर्व शिक्षण की मान्यता national · National Skill Development Corporation
Who qualifies Experienced workers without formal degrees.
What you get Formal certification based on existing skills.
What it actually costs you Assessment fees may apply; requires proof of experience.
Common gotcha This is not a training program, but an assessment for certification. A single medical emergency can wipe out a year's worth of savings.
Ayushman Bharat PM-JAY आयुष्मान भारत national · National Health Authority
Who qualifies Low-income families identified in SECC 2011 data.
What you get ₹5 lakh annual health cover per family for secondary and tertiary care.
What it actually costs you Free; requires Ayushman card.
Common gotcha Check if your local hospital is empanelled before assuming coverage.
Pradhan Mantri Bhartiya Janaushadhi Pariyojana प्रधानमंत्री भारतीय जन औषधि परियोजना national · Department of Pharmaceuticals
Who qualifies General public.
What you get Quality generic medicines at 50-90% lower prices than branded ones.
What it actually costs you None; just visit a Kendra.
Common gotcha Doctors often write branded names; you must ask the pharmacist for the generic equivalent.
ESIC Medical Benefits कर्मचारी राज्य बीमा निगम national · ESIC
Who qualifies Formal employees earning below ₹21,000/month.
What you get Comprehensive medical care for self and family.
What it actually costs you Contribution deducted from salary.
Common gotcha Only applies if your employer formally registers you.
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 ₹2 lakh for accidental death/disability.
What it actually costs you ₹20 per year deducted from bank account.
Common gotcha Must renew annually if not set to auto-debit.
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.
What it actually costs you ₹436 per year.
Common gotcha Only covers death; does not provide maturity benefits.
Swachh Bharat Mission (Urban/Gramin) स्वच्छ भारत मिशन national · Ministry of Housing and Urban Affairs
Who qualifies Households without a private toilet.
What you get Financial assistance to construct a household toilet.
What it actually costs you Application through local municipal office or Gram Panchayat.
Common gotcha Funds are usually disbursed after the construction is verified. Saving for the future and accessing credit without falling into debt traps.
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 Requires vendor ID/LOD; interest subsidy is provided by the government.
Common gotcha It is a loan, not a grant; timely repayment is required for interest subsidies.
Pradhan Mantri Jan Dhan Yojana प्रधानमंत्री जन धन योजना national · Department of Financial Services
Who qualifies Unbanked individuals.
What you get Basic savings account with zero balance, RuPay debit card, and insurance.
What it actually costs you KYC documents (Aadhaar/PAN).
Common gotcha Ensure your mobile number is linked to receive DBT payments.
Atal Pension Yojana अटल पेंशन योजना national · PFRDA
Who qualifies Citizens 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 may be closed and contributions returned.
Sukanya Samriddhi Yojana सुकन्या समृद्धि योजना national · Ministry of Finance
Who qualifies Parents of girl child under 10.
What you get High-interest savings account for daughter's education/marriage.
What it actually costs you Minimum deposit of ₹250/year.
Common gotcha Money is locked until the girl turns 18 or 21.
PMMY (Mudra Loan) मुद्रा लोन national · Department of Financial Services
Who qualifies Small business owners.
What you get Loans up to ₹10 lakh for business expansion.
What it actually costs you Business plan and bank documentation.
Common gotcha Banks are often reluctant to give these without collateral despite the 'collateral-free' claim.
Kisan Credit Card (KCC) किसान क्रेडिट कार्ड national · Ministry of Agriculture
Who qualifies Farmers (if Vikram owns land).
What you get Low-interest credit for agricultural needs.
What it actually costs you Land records and ID proof.
Common gotcha Strictly for agricultural use; misuse can lead to penalties. Accessing food and cooking fuel subsidies that keep monthly expenses manageable.
Public Distribution System (One Nation One Ration Card) राशन कार्ड national · Department of Food and Public Distribution
Who qualifies Low-income households.
What you get Subsidized food grains (wheat, rice).
What it actually costs you Ration card; biometric authentication.
Common gotcha Linking Aadhaar to the ration card is mandatory for portability.
Pradhan Mantri Ujjwala Yojana प्रधानमंत्री उज्ज्वला योजना national · Ministry of Petroleum and Natural Gas
Who qualifies Women from BPL/poor households.
What you get Free LPG connection.
What it actually costs you KYC and bank account.
Common gotcha You still have to pay for the refill cylinder, though a subsidy is credited to your bank.
Pradhan Mantri Awas Yojana (Urban/Gramin) प्रधानमंत्री आवास योजना national · Ministry of Housing and Urban Affairs
Who qualifies Homeless or those living in kutcha houses.
What you get Financial assistance for building a pucca house.
What it actually costs you Land ownership proof and income certificate.
Common gotcha High demand means long waiting lists; keep tracking your application status.
PM-KUSUM पीएम कुसुम national · Ministry of New and Renewable Energy
Who qualifies Farmers/individuals for solar pumps.
What you get Subsidies for solar-powered irrigation pumps.
What it actually costs you Partial contribution; land availability.
Common gotcha Requires significant upfront investment even with the subsidy.
DigiLocker डिजिलॉकर national · MeitY
Who qualifies All citizens with Aadhaar.
What you get Digital storage for official documents (PAN, driving license, marksheets).
What it actually costs you Free; mobile app.
Common gotcha Documents stored here are legally equivalent to originals.
UMANG App उमंग national · MeitY
Who qualifies All citizens.
What you get Single app for accessing hundreds of government services.
What it actually costs you Free download.
Common gotcha Some services redirect to external sites; keep your login credentials handy.
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
