# Sahayak > Free, voice-enabled help for Indian government paperwork and exams in 10 Indian languages. Real fees, timelines, documents. No touts. ## Core - [Home](https://www.sahayakapps.in/home): PAN, Aadhaar, Passport, PF, Ration Card help - [All Services](https://www.sahayakapps.in/scheme): every service guide in one place - [Ask Sahayak](https://www.sahayakapps.in/ask): AI assistant in your language - [Tools](https://www.sahayakapps.in/tools): EMI, ITR, FD calculators - [Real Income Tax Guide](https://www.sahayakapps.in/itr-guide): old vs new regime, 87A rebate trap, TDS vs advance tax, capital gains, HRA - [Old vs New Regime Calculator](https://www.sahayakapps.in/tools/itr): side-by-side salary tax + HRA tool, FY 2025-26 slabs - [Capital Gains Calculator](https://www.sahayakapps.in/tools/capital-gains): equity STCG 20%, LTCG 12.5% above Rs 1.25 lakh/yr - [Salary vs Business Tax](https://www.sahayakapps.in/tools/salary-vs-business): 44AD/44ADA illustrated, advance tax dates - [Real Bank Savings Guide](https://www.sahayakapps.in/savings-guide): FD vs RD truth, Rs 5 lakh DICGC safety rule, small-bank safety, TDS + Form 15G/15H - [FD & RD Calculator](https://www.sahayakapps.in/tools/fd-rd): toggle FD/RD in one page — maturity, interest, senior +0.5% and TDS hint ## Real Loan & EMI Guide - [Loan & EMI guide](https://www.sahayakapps.in/loan-guide): prepayment rights, 30-day document rule, gold LTV tiers, KCC 4% — what banks don't tell you - [EMI calculator + prepay compare](https://www.sahayakapps.in/tools/emi): reduce-EMI vs reduce-tenure, interest saved, full schedule - [Personal loan APR](https://www.sahayakapps.in/tools/personal-loan): true yearly cost with processing fee + 18% GST - [Car loan advance vs arrears](https://www.sahayakapps.in/tools/car-loan): upfront outflow, true total cost, dealer traps - [Gold loan LTV + bullet](https://www.sahayakapps.in/tools/gold-loan): RBI 85/80/75 tiers, bank vs NBFC, 12-month bullet - [Education loan + moratorium](https://www.sahayakapps.in/tools/education-loan): capitalised interest, 80E angle - [KCC 4% vs 7%](https://www.sahayakapps.in/tools/kcc-loan): MISS subvention, JanSamarth apply route - [Card dues to EMI](https://www.sahayakapps.in/tools/cc-emi-converter): interest + 18% GST vs paying in full - [Loan eligibility FOIR](https://www.sahayakapps.in/tools/affordability): max EMI/loan from income, salary table - [Flat vs reducing](https://www.sahayakapps.in/tools/flat-vs-reducing): true cost side by side - [Jumbo loan fee + GST](https://www.sahayakapps.in/tools/jumbo-loan): large-ticket fee split out - [Multi-year EMI planner](https://www.sahayakapps.in/tools/emi-multiyear): yearly prepay, tenure vs EMI drop ## Government Scheme Guides (step-by-step, real fees + timelines) - [PAN card new / track / correction](https://www.sahayakapps.in/scheme/pan_new): 49A form, NSDL vs UTIITSL, status tracking, correction flow - [Aadhaar download & update](https://www.sahayakapps.in/scheme/aadhaar): e-Aadhaar, mobile/address update, charges Rs 75/125 - [Passport fresh & renewal](https://www.sahayakapps.in/scheme/passport): normal vs tatkaal fees, documents, police verification - [EPF / PF withdrawal & KYC](https://www.sahayakapps.in/scheme/epf): KYC, nominee, profile update, claim without employer - [Ration card apply](https://www.sahayakapps.in/scheme/ration): state-wise apply, member add/delete, e-KYC - [Voter ID (EPIC)](https://www.sahayakapps.in/scheme/voter_id): Form 6 registration, correction, duplicate - [Driving licence](https://www.sahayakapps.in/scheme/driving_license): learner's, permanent, renewal, fees ## Exams & Career - [Exam forms](https://www.sahayakapps.in/exams): JEE, NEET, GATE, UPSC, SSC, state boards & police bharti - [JEE Main form](https://www.sahayakapps.in/form/jee-main): eligibility, NTA cycle, syllabus, official site - [NEET UG form](https://www.sahayakapps.in/form/neet-ug): eligibility, NTA cycle, counselling, official site - [UPSC CSE form](https://www.sahayakapps.in/form/upsc-cse): eligibility, prelims-mains-interview cycle, official site - [SSC CGL form](https://www.sahayakapps.in/form/ssc-cgl): eligibility, tiers, official site - [GATE form](https://www.sahayakapps.in/form/gate): eligibility, papers, PSU + MTech use - [Career guidance](https://www.sahayakapps.in/career): free quiz + counselling ## Mandi Guides (all-India) - [Mandi guides](https://www.sahayakapps.in/mandi): how to sell your crop, APMC rules, licences & price tracker — state by state - [Mandi prices today](https://www.sahayakapps.in/mandi/prices): all-India modal rates across 4000+ markets, Agmarknet source + date - [Odisha mandi guide](https://www.sahayakapps.in/mandi/odisha): P-PAS token, paddy, Bhubaneswar/Cuttack mandis - [Maharashtra mandi guide](https://www.sahayakapps.in/mandi/maharashtra): onion/cotton, Vashi/Lasalgaon mandis - [Punjab mandi guide](https://www.sahayakapps.in/mandi/punjab): arhtiya wheat/paddy, Khanna mandi - [UP mandi guide](https://www.sahayakapps.in/mandi/uttar-pradesh): wheat/sugarcane/potato, Kanpur/Lucknow mandis - [Mandi price trends (14 days)](https://www.sahayakapps.in/mandi/trends): day-by-day modal-price chart by state, mandi and crop, with hold/sell hints - [Mandi crowd status](https://www.sahayakapps.in/mandi/busy): is this mandi busy right now? farmer-reported crowd per crop for the last 3 hours - [MSP & sale quota tracker](https://www.sahayakapps.in/mandi/msp-tracker): crop MSP, state per-acre quota, expected payout and official procurement portal links ## Scholarships (finder + all-state guides, EN+HI+state language) - [Scholarship finder](https://www.sahayakapps.in/scholarships): filter by state, class, caste, income, girl/defence extras — NSP + state schemes with real marks & deadlines (all 36 states/UTs) - [Odisha scholarships](https://www.sahayakapps.in/scholarships/odisha): post-matric, e-Medhabruti up to Rs 20,000/yr, Nirman Shramik up to Rs 40,000/yr, KALIA — Odia + Hindi + English - [Maharashtra scholarships](https://www.sahayakapps.in/scholarships/maharashtra): MahaDBT post-matric freeship, Rajarshi Shahu EBC up to 100% fees, Panjabrao hostel up to Rs 60,000/yr — Marathi + Hindi + English - [West Bengal scholarships](https://www.sahayakapps.in/scholarships/west-bengal): Oasis post-matric, SVMCM merit Rs 12,000-60,000/yr, Kanyashree for girls — Bengali + Hindi + English - [Tamil Nadu scholarships](https://www.sahayakapps.in/scholarships/tamil-nadu): Pudhumai Penn Rs 1,000/month for govt-school girls + NSP post-matric — Tamil + Hindi + English - [Kerala scholarships](https://www.sahayakapps.in/scholarships/kerala): e-Grantz (no income limit for SC/ST/OEC) + DCE merit — Malayalam + Hindi + English - [Gujarat scholarships](https://www.sahayakapps.in/scholarships/gujarat): Digital Gujarat post-matric + MYSY tuition support — Gujarati + Hindi + English - [Karnataka scholarships](https://www.sahayakapps.in/scholarships/karnataka): SSP post-matric single window — Kannada + Hindi + English - [AP scholarships](https://www.sahayakapps.in/scholarships/andhra-pradesh): Vidya + Vasathi Deevena (full fees + Rs 20,000/yr hostel) — Telugu + Hindi + English - [Central scholarships](https://www.sahayakapps.in/scholarships/all-india): NSP pre/post-matric, NMMS Rs 12,000/yr, PM-USP merit, INSPIRE Rs 80,000/yr, AICTE Pragati/Saksham/Swanath Rs 50,000/yr, PMSS defence wards - [NMMS guide](https://www.sahayakapps.in/scholarships/all-india/nmms): 55% in Class 7 + state exam, Rs 12,000/yr for Classes 9-12 - [INSPIRE-SHE guide](https://www.sahayakapps.in/scholarships/all-india/inspire-she): top-1% Class 12 science, Rs 80,000/yr, no income limit - [Pragati girls guide](https://www.sahayakapps.in/scholarships/all-india/aicte-pragati-girls): Rs 50,000/yr for girls in AICTE diploma/degree, family under Rs 8L - [Bihar pre-matric I-X](https://www.sahayakapps.in/scholarships/bihar/bihar-pre-matric-1-10): SC/ST/BC/EBC Classes 1-10, Rs 1,000-15,000+/yr via DBT, 1cr+ students - [Karnataka SSP pre-matric 1-8](https://www.sahayakapps.in/scholarships/karnataka/karnataka-ssp-pre-matric-1-8): SC (