Carefully researched, original walkthroughs covering CGHS, ESIC, PM-JAY, EWS, OBC NCL, CCS Leave Rules, MGNREGA, PMAY, Aadhaar, PAN, DigiLocker and more — written for citizens, employees and applicants.
Plug in your numbers and find out whether you qualify — for EWS, OBC NCL, commuted leave or how much leave encashment is tax-free.
Check if you qualify for 10% EWS reservation. Based on official DoPT criteria (income < ₹8 lakh + asset limits).
This checker is for guidance only. Final eligibility is determined by the issuing Tehsildar/SDM as per DoPT Office Memorandum.
Indra Sawhney + DoPT criteria — combined parental income < ₹8 lakh and parental occupation rules.
For central government employees — converts Half Pay Leave to Full Pay Leave by debiting 2× days. Max 180 days during entire service.
Section 10(10AA) of the Income Tax Act — calculate how much of your retirement leave encashment is tax-exempt vs taxable.
For guidance only. Always consult a chartered accountant for your final tax computation.
Browse every guide — schemes, leave rules, certificates and welfare programmes.
Everything central government employees and pensioners need to know about the Central Government Health Scheme — eligibility, enrolment, dispensary access, empanelled hospitals, and reimbursement claims.
A complete guide to ESIC benefits — eligibility wage ceiling, contribution rates, sickness benefit, maternity benefit, disability benefit and how to access ESI dispensaries.
PM-JAY provides ₹5 lakh per family per year of free hospitalisation cover. Learn eligibility, the Ayushman card application, empanelled hospitals and treatment process.
A clear, navigable guide to the Central Civil Services (Leave) Rules, 1972 — earned leave, half pay leave, commuted leave, child care leave, maternity leave and study leave.
The Economically Weaker Section (EWS) reservation entitles eligible candidates from general category to 10% reservation. Learn the income and asset criteria, documents, and application process.
A practical guide to applying for the OBC Non-Creamy Layer certificate — income limits, parent occupation rules, required documents, and the SDM/Tehsildar process.
A complete guide to obtaining a Scheduled Caste or Scheduled Tribe certificate in India — eligibility, documents, the SDM/Tehsildar process, and validity for jobs and education.
An income certificate is issued by the state revenue authority confirming the annual income of an individual or family. Learn how to apply, what documents are needed, and where it is used.
Complete guide to Aadhaar services in 2026 — online enrolment, address update, mobile linking, biometric update, mAadhaar app and Aadhaar-PAN linking.
A complete guide to PAN card services — new application, correction, e-PAN, instant PAN through Aadhaar, and PAN-Aadhaar linking under Section 139AA.
Voter ID is your primary identity document for elections. Learn how to apply for a new EPIC, update address, search the electoral roll, and use the Voter Helpline.
Birth certificate is the primary proof of date of birth in India. Learn how to apply for a new certificate, late registration, and online services through state portals.
PMAY provides housing subsidies for low and middle-income families. Learn the urban and rural schemes, eligibility, subsidy amount, and how to apply.
A comprehensive guide to the main pension schemes available in India — Atal Pension Yojana, National Pension System, Employee Provident Fund, and central/state government pensions.
A practical guide to central government recruitment — UPSC, SSC, RRB exams — and the basic service rules under FR&SR, CCS Conduct Rules and the Pay Commission framework.
A practical guide to filing Right to Information applications in India under the RTI Act, 2005 — covered authorities, exemptions, fees, and first appeal process.
PMMY provides collateral-free loans up to ₹20 lakh to non-corporate, non-farm small businesses. Learn the categories — Shishu, Kishor, Tarun — and how to apply.
DigiLocker is the Indian government's flagship digital document wallet. Learn how to sign up, upload documents, fetch certificates from issuers, and use it for KYC.
PM-Kisan provides ₹6,000 per year to small and marginal farmers. Learn the eligibility criteria, exclusion list, application process, and how to check installment status.
MGNREGA guarantees 100 days of paid manual work to every rural household. Learn how to apply for a job card, the wage rate, types of work, and grievance redressal.
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