← All India hubs Merchandiser
India Hindi (हिन्दी) ₹ INR
Vishal is a retail merchandiser based in India, juggling logistics, inventory, and supply chain coordination. He relies on digital infrastructure to manage his taxes, banking, and professional identity while ensuring his family's financial security.
National All India 24 Andaman and Nicobar Islands AN 8 Andhra Pradesh AP 5 Arunachal Pradesh AR 8 Assam AS 6 Bihar BR 4 Chhattisgarh CG 6 Chandigarh CH 6 Delhi DL 6 Dadra and Nagar Haveli and Daman and Diu DN 5 Goa GA 5 Gujarat GJ 5 Himachal Pradesh HP 4 Haryana HR 6 Jharkhand JH 8 Jammu and Kashmir JK 7 Karnataka KA 5 Kerala KL 6 Ladakh LA 7 Lakshadweep LD 6 Maharashtra MH 6 Meghalaya ML 6 Manipur MN 7 Madhya Pradesh MP 8 Mizoram MZ 7 Nagaland NL 7 Odisha OD 6 Punjab PB 6 Puducherry PY 6 Rajasthan RJ 6 Sikkim SK 6 Tamil Nadu TN 7 Tripura TR 6 Telangana TS 8 Uttarakhand UK 8 Uttar Pradesh UP 6 West Bengal WB 7 Essential for salary processing, tax compliance, and proving who I am for any formal transaction.
Aadhaar Card आधार कार्ड national · UIDAI
Who qualifies Every Indian resident.
What you get Universal identity proof for all government and private services.
What it actually costs you Free for initial enrollment; nominal fee for updates.
Common gotcha Mobile number must be linked to receive OTPs for all services.
Permanent Account Number पैन कार्ड national · Income Tax Department
Who qualifies Every taxpayer or person conducting financial transactions.
What you get Unique 10-digit alphanumeric tax identity.
What it actually costs you Around ₹100 for application; takes 7-15 days.
Common gotcha Must be linked with Aadhaar to avoid penalty or invalidation.
DigiLocker डिजिलॉकर national · MeitY
Who qualifies Any Aadhaar holder.
What you get Digital repository for verified documents like DL, RC, and marksheets.
What it actually costs you Free; requires Aadhaar-linked mobile.
Common gotcha Documents are legally equivalent to originals but some traffic police still demand hard copies.
EPFO Unified Portal ईपीएफओ national · Employees' Provident Fund Organisation
Who qualifies Salaried employees in covered establishments.
What you get Retirement savings and insurance benefits.
What it actually costs you 12% of basic salary deducted monthly.
Common gotcha UAN activation is mandatory for checking balance.
Income Tax E-Filing इनकम टैक्स ई-फाइलिंग national · Income Tax Department
Who qualifies Individuals with taxable income.
What you get Annual tax returns processing and refunds.
What it actually costs you Free to file; requires Form 16.
Common gotcha Missing the July 31st deadline attracts late fees.
UMANG App उमंग national · MeitY
Who qualifies All citizens.
What you get Single window for hundreds of central and state services.
What it actually costs you Free app download.
Common gotcha Interface can be slow during peak traffic. Keeping track of savings, loans, and digital payments for daily expenses.
Unified Payments Interface यूपीआई national · NPCI
Who qualifies Anyone with a bank account and smartphone.
What you get Instant, 24/7 peer-to-peer and merchant payments.
What it actually costs you Zero transaction fees for users.
Common gotcha Transaction failures can happen due to bank server downtime.
Pradhan Mantri Jan Dhan Yojana प्रधानमंत्री जन धन योजना national · Department of Financial Services
Who qualifies Unbanked individuals.
What you get Zero-balance savings account with RuPay debit card.
What it actually costs you Free; requires KYC documents.
Common gotcha Account becomes inactive if no transactions for long periods.
National Pension System राष्ट्रीय पेंशन प्रणाली national · PFRDA
Who qualifies Citizens aged 18-70.
What you get Market-linked pension corpus.
What it actually costs you Minimum contribution of ₹500 per month.
Common gotcha Funds are locked until age 60.
Public Provident Fund पीपीएफ national · Ministry of Finance
Who qualifies Any resident Indian.
What you get Tax-free interest on long-term savings.
What it actually costs you Minimum ₹500/year, max ₹1.5 lakh/year.
Common gotcha 15-year lock-in period.
Kisan Credit Card (for agri-allied) किसान क्रेडिट कार्ड national · NABARD
Who qualifies Farmers and allied sector workers.
What you get Low-interest credit for operational costs.
What it actually costs you Interest subvention applies; requires land records.
Common gotcha Banks often demand collateral despite RBI rules.
Pradhan Mantri Mudra Yojana प्रधानमंत्री मुद्रा योजना national · Department of Financial Services
Who qualifies Small business owners.
What you get Collateral-free loans up to ₹10 lakh.
What it actually costs you Processing fees vary by bank.
Common gotcha High rejection rates for new businesses without track record. Protecting the family from high medical costs and accessing affordable care.
Ayushman Bharat PM-JAY आयुष्मान भारत national · National Health Authority
Who qualifies Low-income families identified by SECC data.
What you get ₹5 lakh health cover per family per year.
What it actually costs you Free; requires Ayushman card.
Common gotcha Only works at empanelled hospitals.
Employees' State Insurance ईएसआईसी national · ESIC Corporation
Who qualifies Employees in factories/establishments with 10+ workers.
What you get Full medical care and sickness benefits.
What it actually costs you 0.75% of wages.
Common gotcha Quality of care in ESI hospitals varies significantly.
Pradhan Mantri Bhartiya Janaushadhi Pariyojana जन औषधि national · Department of Pharmaceuticals
Who qualifies General public.
What you get Generic medicines at 50-90% lower prices.
What it actually costs you Just the cost of medicine.
Common gotcha Stock availability can be an issue at smaller outlets.
Co-WIN Portal को-विन national · Ministry of Health
Who qualifies All citizens.
What you get Vaccination registration and certificates.
What it actually costs you Free.
Common gotcha Name on certificate must match ID exactly.
Swachh Bharat Mission स्वच्छ भारत मिशन national · Ministry of Housing and Urban Affairs
Who qualifies Households without sanitation.
What you get Financial assistance for toilet construction.
What it actually costs you Varies by state implementation.
Common gotcha Verification process can be slow.
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/disability cover of ₹2 lakh.
What it actually costs you ₹20 premium per year.
Common gotcha Must be renewed annually if not on auto-debit. Handling vehicle documentation and travel logistics for work and family.
Parivahan Sewa परिवहन सेवा national · Ministry of Road Transport and Highways
Who qualifies Vehicle owners and drivers.
What you get DL renewal, RC transfer, and challan payments.
What it actually costs you Standard government fees for services.
Common gotcha Regional RTOs often require physical verification despite online portal.
FASTag फास्टैग national · NHAI
Who qualifies Vehicle owners.
What you get Automatic toll collection.
What it actually costs you ₹100-200 tag fee + security deposit.
Common gotcha Balance must be topped up; tag blacklisting happens if low.
IRCTC Rail Connect आईआरसीटीसी national · Indian Railways
Who qualifies All citizens.
What you get Train ticket booking.
What it actually costs you Ticket fare + service charge.
Common gotcha Tatkal tickets sell out in seconds.
DigiYatra डिजीयात्रा national · Ministry of Civil Aviation
Who qualifies Air travelers.
What you get Contactless, paperless airport entry.
What it actually costs you Free.
Common gotcha Requires facial recognition setup.
BH-Series Registration बीएच सीरीज national · Ministry of Road Transport and Highways
Who qualifies Employees with transferable jobs.
What you get Vehicle registration valid across all states.
What it actually costs you Road tax paid in installments.
Common gotcha Not all employers are eligible to certify employees.
e-Shram Portal ई-श्रम national · Ministry of Labour and Employment
Who qualifies Unorganized sector workers.
What you get Database for social security benefits.
What it actually costs you Free.
Common gotcha Does not provide direct cash; acts as a registry.
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
