What JanHelp does, and how thirteen people used it

What happens

1. The person types what happened, in their own words.
2. A small model trained on phrasings of all 98 tasks scores every task; words typed in any of the six languages are also matched against task titles.
3. The top three tasks appear under the box; one tap opens the chosen task's own form.
4. Nothing typed here is kept or sent anywhere else.

What it prevents

• Hunting through menus, or picking a tool that answers a different question.
• Paying an agent just to be told which form or office applies.

What happens

1. The person picks a language from the menu in the header; the choice is remembered on this device.
2. Labels change at once from the interface's string files.
3. Every request carries the language; the server translates each answer from a reviewed catalogue, keeping amounts, dates, section numbers, names and citations as they are.
4. The older panels are translated in the browser from a phrase catalogue, keeping links and bold figures in place.
5. Documents (notices, complaints, wills) are left as drafted, with a Hindi glossary where needed.

What it prevents

• Acting on an answer that was only half understood.
• Machine-translation errors in legal wording: nothing is translated by a model at request time; every sentence was translated in advance and is checked by tests.

What happens

1. Home shows the two parts. Picking loan, insurance or card goes straight to the kinds of that product; nothing is asked twice.
2. Each product asks what it is for first, then what providers check, in their order, then shows the options.
3. Who the person is (name, mobile, PAN) is asked only when applying.
4. Do-it-yourself opens the legal, tax, government and calculator tools, grouped by area.

What it prevents

• Being asked the same thing twice on the way in.
• Giving identity details before seeing whether any option fits.

What happens

1. Each answer is kept on this device, with where it came from (typed, a credit report, a statement).
2. Another screen fills the same question and marks it; changing it there changes it everywhere.
3. Nothing is assumed silently: a question with no answer is left blank and required, and anything taken as given is shown to confirm or change.
4. My profile lists every answer, with Delete for one or all.

What it prevents

• Retyping the same details on every screen.
• A loan worked out on a guessed amount or a forgotten EMI.
• Options built on assumptions the person never saw.

What happens

1. Tap Scan with camera; the camera opens (the back one on a phone) with a live view. The browser asks for the camera the first time.
2. Take one photo per page (up to four); each shows below the view and can be removed.
3. Use scan: the pages are joined into one image and read by OCR on the server page by page, exactly as an uploaded file is.
4. What is read fills the person's answers: spending from a statement, loans and score from a credit report, cover from a policy, age from an ID card, whose name, date of birth and PAN are offered to My profile.

What it prevents

• Having to find a scanner or a PDF before getting help.
• Typing figures that are already printed on the paper, with the mistakes that brings.
• Identity details saved without the person saying so: My profile keeps them only after a yes.

What happens

1. Open /android on the phone and install the app (Android asks once to allow installing it).
2. The app opens the live site full screen in the phone's Chrome, so it is always the current version.
3. It asks for no permission but the internet: Chrome asks for the camera only when Scan with camera is tapped.
4. Downloads, printing and the six languages work as in the browser.

What it prevents

• An app that falls behind the site, or asks for access it does not need.

What happens

1. After drafting, the person chooses Track deadline, or adds a date themselves.
2. The date, the law behind it and what happens if it passes are saved.
3. Reminders go before each date to the contact the person saved; without one they are shown when they return.
4. Where the server cannot keep data across restarts, this browser keeps a copy and says so, and the dates can be added to a calendar.

What it prevents

• Losing a case because a statutory date passed: a cheque complaint filed a day late, an Ombudsman window missed.

What happens

1. Rates, registers and rules are read from the official publisher (RBI, IRDAI, SEBI, NPCI, state registration departments, AMFI) and re-read on a schedule.
2. An answer shows where its figures came from and when.
3. When a portal is behind a captcha or does not answer, the app says it cannot read it and links to the official page.
4. A missing required field stops a draft and names the field; an optional one prints as a blank to fill in.

What it prevents

• Invented names, dates or phone numbers in a legal document.
• Out-of-date rates presented as current.
• A lookup that says "verified" when nothing was verified.

What happens

1. A document is read on the server and not saved.
2. Each verification records what was checked, with whom and until when, under My consents.
3. The activity history lives in this browser only; it can be exported, restored or cleared.

What it prevents

• Documents lingering on a server.
• Consent given once being used for something else.

What happens

1. Asks who to cover (you, spouse, children) with their ages, and whether a child is planned.
2. Then the city, each person's illnesses by name (diabetes, blood pressure, thyroid, heart, asthma, other), the cover of one's own policy and when it started, and the employer's cover.
3. Sizes the cover for one major operation plus hospital stays for the rest in the same year, at private-hospital prices in that city, less one's own cover only: the employer's ends with the job.
4. Says when the policy's five-year moratorium ends and that porting keeps waiting periods served; lists plans, shorter waits for past illness first. Apply asks the nominee, height and weight.

What it prevents

• Discovering at the hospital that the cover pays a fraction of the bill.
• A claim refused for an illness that was not declared.
• Relying on employer cover that ends with the job.

What happens

1. Asks which parents and their ages, the city, each one's illnesses by name, and the cover they have.
2. A parent of 70 or more is shown Ayushman Vay Vandana first: ₹5 lakh a year, free, whatever the income.
3. Sizes the cover and lists senior-citizen plans, shorter waits for past illness first. Apply asks for a nominee.

What it prevents

• A parent's policy refused or cut at claim time for an undeclared illness.
• Buying a plan with a four-year wait for an illness they already have, when shorter waits exist.

What happens

1. Asks age, tobacco use and yearly income.
2. Then family, youngest child's age, the spouse's income, household spending a month, loans being repaid, savings, big costs ahead and life cover held. Anything already told another screen is filled in, shaded, and can be changed there.
3. Cover pays the family's own spending (less what the spouse's income pays) for the years it is needed, plus loans and costs ahead, less savings and cover held; PMJJBY (₹2 lakh for ₹436 a year) is shown for anyone who can still join.
4. Plans come from insurers with the best death-claim records. Apply asks the nominee, height and weight.

What it prevents

• A family left with a home loan and no income.
• An expensive endowment plan bought as 'cover'.
• A claim refused because tobacco use was not declared.

What happens

1. Asks the registration number (optional), the engine, the year, the price when bought (optional), a CNG or LPG kit, and whether the car is used as a taxi or for deliveries.
2. Then when the policy ends, what kind it is, whether a claim was made last year, and years without one.
3. A car bought since September 2018 still inside its three-year third-party cover needs own-damage cover only, and is told so; a taxi needs a commercial policy.
4. Shows the cover, the insured value, the no-claim bonus and insurers by claim record; warns if the policy has lapsed.

What it prevents

• Driving uninsured after a lapse, which is an offence.
• Losing the no-claim bonus by letting the policy lapse over 90 days.
• Paying for add-ons that do not fit an old car.

What happens

1. Asks the registration number (optional), the engine, the year, the price when bought (optional) and commercial use.
2. Then when the policy ends, its kind, any claim last year, and years without one.
3. A bike inside its five-year third-party cover needs own-damage cover only. Apply asks for a nominee.

What it prevents

• Driving uninsured after a lapse, which is an offence.
• Losing the no-claim bonus by letting the policy lapse over 90 days.
• Paying for add-ons that do not fit an old car.

What happens

1. Asks where to, what the trip is for, the dates, who is travelling with their ages, any illness, trips abroad a year and bookings that could be lost.
2. A frequent traveller is shown an annual multi-trip policy, a student a policy for the course; Schengen's €30,000 minimum is stated, and older travellers' limits are flagged.
3. Lists insurers by claim record; an illness must be declared. Apply asks for a nominee.

What it prevents

• A visa refused for too little medical cover.
• A claim abroad refused for an undeclared illness.

What happens

1. Asks two things: own or rent, and the value of what is inside (optional).
2. An owner's building is covered at what it would cost to rebuild, with the contents up to 20% of that (at most ₹10 lakh); contents worth more are flagged.
3. A tenant is shown contents cover for what is inside: the owner insures the building.
4. Lists insurers by claim record. Applying asks an owner the built-up area, which the insurer prices, then the address, KYC and payment.

What it prevents

• Losing a home or its contents to fire, flood or theft with no cover.
• A tenant paying to insure a building they do not own.
• Being asked for details the options do not use.

What happens

1. Asks age, the kind of work, yearly income and accident cover already held.
2. Shows PMSBY first (₹2 lakh for ₹20 a year), then sizes the standard policy at five years' income, less cover held.
3. Lists insurers by claim record; apply asks for a nominee, then KYC and payment.

What it prevents

• A disability that life cover does not pay for.
• Buying cover that pays less than the income lost.

What happens

1. Asks age, city, work, take-home, family and what to sort. Anything already told another screen (work, income, city, loans) is filled in, shaded, and can be changed there.
2. Asks only what the plan needs, three at a time; a loan's or vehicle's details are asked on that card once chosen.
3. Anything it takes as given (such as no illness) is shown with Confirm or Change before it is used.
4. Each need shows the amount, the reason and the best providers; applying needs every assumption confirmed first.

What it prevents

• Under-insuring a family or buying overlapping policies.
• An application built on a guess the person never confirmed.

What happens

1. Asks about the home: found or still looking, ready, under construction, resale or a plot to build on, its state, its price, who will own it, the loan needed and years to repay (20 if left empty, and the options say so).
2. Then work and income in the order lenders check them: take-home pay and how the salary is paid for the salaried, the income on the last tax return for the self-employed, years in the job, city and age. Anything already told another screen is filled in, shaded, and can be changed there.
3. Then the loans being repaid (card dues and loans guaranteed for others included), the credit score and, if there is one, a co-applicant's income, age, EMIs and score.
4. Then the money the person has for the down payment and costs, and whether it would be the family's first pucca home, with the household's income.
5. Caps the loan at RBI's share of the price, adds the state's stamp duty and registration (and GST for a home being built) to what must be paid from savings, and checks PMAY-U 2.0's interest subsidy of up to ₹1.8 lakh. Each lender is checked at both ends of the rates it could charge (its rates for the credit score where it publishes them), so a lender is listed as meeting its rules only if the EMI fits even at its higher rate; lenders are ranked by their full yearly cost (APR) with the processing fee, and a lender that publishes no fee is ranked as if it charged the highest published one. When nothing fits, it says what would: a longer term, a smaller amount, a co-applicant, the score to aim for.
6. Apply shows what would be shared, asks the employer and where the person lives, then name, mobile and PAN, and lists the lender's checks in order. In test mode a reference is recorded and nothing is sent.

What it prevents

• A loan counted on at the full price when RBI lets lenders lend only part of it.
• Applying to lenders whose rules are not met, each a hard enquiry on the credit report.
• An existing home loan forgotten: its EMI is taken off what is left to repay a new one.

What happens

1. Asks the amount and the years to repay (3 if left empty).
2. Then work and income in the order lenders check them: take-home pay and how the salary is paid for the salaried, the income on the last tax return for the self-employed, years in the job, city and age. Anything already told another screen is filled in, shaded, and can be changed there. The bank the salary goes to is asked too: its pre-approved offer is shown first.
3. Then the loans being repaid, card dues included, and the credit score band; a credit report fills both.
4. Each lender is checked at both ends of the rates it could charge (its rates for the credit score where it publishes them), so a lender is listed as meeting its rules only if the EMI fits even at its higher rate; lenders are ranked by their full yearly cost (APR) with the processing fee, and a lender that publishes no fee is ranked as if it charged the highest published one. When nothing fits, it says what would: a longer term, a smaller amount, a co-applicant, the score to aim for.
5. Apply shows what would be shared, asks the employer and where the person lives, then name, mobile and PAN, and lists the lender's checks in order. In test mode a reference is recorded and nothing is sent.

What it prevents

• Instant-loan apps charging several times a bank's rate.
• A loan whose EMI, on top of the ones paid now, the income cannot carry.

What happens

1. Asks new or used, the on-road price, the loan needed and years to repay (5 if left empty).
2. Then work and income in the order lenders check them: take-home pay and how the salary is paid for the salaried, the income on the last tax return for the self-employed, years in the job, city and age. Anything already told another screen is filled in, shaded, and can be changed there.
3. Then the loans being repaid and the credit score band.
4. Each lender is checked at both ends of the rates it could charge (its rates for the credit score where it publishes them), so a lender is listed as meeting its rules only if the EMI fits even at its higher rate; lenders are ranked by their full yearly cost (APR) with the processing fee, and a lender that publishes no fee is ranked as if it charged the highest published one. When nothing fits, it says what would: a longer term, a smaller amount, a co-applicant, the score to aim for.
5. Apply shows what would be shared, asks the employer and where the person lives, then name, mobile and PAN, and lists the lender's checks in order. In test mode a reference is recorded and nothing is sent.

What it prevents

• Taking the dealer's tied lender without seeing cheaper published rates.
• Borrowing more than the car is worth.

What happens

1. Asks where the course is, its total cost, the loan needed, years to repay (7 if left empty), whether admission is confirmed and whether collateral can be offered.
2. Then the co-applicant: relation, work, income, age, city and the family's yearly income; then their loans and credit score.
3. Shows PM-Vidyalaxmi first, the government's single portal for education loans, with the interest help the family's income qualifies for (full interest during the course up to ₹4.5 lakh, 3% up to ₹8 lakh), and says when collateral is usually asked.
4. Each lender is checked at both ends of the rates it could charge (its rates for the credit score where it publishes them), so a lender is listed as meeting its rules only if the EMI fits even at its higher rate; lenders are ranked by their full yearly cost (APR) with the processing fee, and a lender that publishes no fee is ranked as if it charged the highest published one. When nothing fits, it says what would: a longer term, a smaller amount, a co-applicant, the score to aim for.
5. Apply shows what would be shared, asks the employer and where the person lives, then name, mobile and PAN, and lists the lender's checks in order. In test mode a reference is recorded and nothing is sent.

What it prevents

• A loan judged on the student's nil income and refused.
• Borrowing beyond the course's cost.

What happens

1. Asks the gold in grams, its purity (22, 24 or 18 carat), the loan needed and months to repay (12 if left empty).
2. Values the gold the way RBI requires: the lower of the last 30 days' average and the previous day's closing price published by IBJA, read every night.
3. Works out the most a lender may lend on it (85% up to ₹2.5 lakh, 80% up to ₹5 lakh, 75% above) and, if the amount asked is more, how many grams more would cover it.
4. Lists lenders by their lowest published rate, with the interest over the term. Apply lists the checks: KYC, the gold weighed and tested at the branch, the Key Facts Statement.

What it prevents

• Pawnbrokers charging far above banks' and NBFCs' published gold loan rates.
• Expecting more than RBI lets a lender lend on the gold.

What happens

1. Asks what the property is (a home, or a shop or office), whether it is lived in, rented or empty, its value, the loan needed and years to repay (10 if left empty).
2. Then work, take-home, employer, years in the job, city and age, in the order lenders check them. Anything already told another screen (work, income, city, loans) is filled in, shaded, and can be changed there.
3. Then the loans being repaid (each with its EMI and what is left) and the credit score band; a credit report fills both.
4. Checks each lender's rules and notes that lenders usually lend a smaller share of a shop's or office's value than of a home's.
5. Apply shows what would be shared with the provider, asks only what it still needs, then name, mobile and PAN; it lists the provider's checks in the order it makes them. In test mode a reference is recorded and nothing is sent.

What it prevents

• A personal loan at twice the rate when property could secure a cheaper one.
• Applying to lenders whose rules are not met.

What happens

1. Asks the loan's kind, the lender now, what is still owed, its rate, whether it is fixed or floating (and the foreclosure charge if fixed), its EMI and any top-up wanted; the months left are worked out from these.
2. Then work, income, city, age, other EMIs and the credit score band. Anything already told another screen is filled in, shaded, and can be changed there.
3. Lists only lenders whose rate is lower and whose rules are met, never the current lender, with the saving after the new lender's published fee and the foreclosure charge; floating-rate loans carry no foreclosure charge.
4. Says first to ask the current lender to reset the rate (a conversion fee is usually cheaper than moving), and, for a home loan, that legal, valuation and stamp costs apply.

What it prevents

• Switching for a lower rate that the fees wipe out.
• Staying on an old rate out of habit.

What happens

1. Asks what is spent a month on cards and UPI, where it goes, how much on each, how much is paid by UPI, Amazon Prime (when shopping), and whether the bill is paid in full.
2. Then what the person wants from a card (money back, travel and lounges, fuel, no annual fee, a first card), trips and spending abroad for travel, and the card used most now.
3. Then work, income (the tax-return income for the self-employed), age and score band. Anything already told another screen is filled in, shaded, and can be changed there.
4. Ranks cards on the person's own spending over the first two years (the joining fee in year one), counting UPI spending only on RuPay credit cards; compares each with the card held now. Someone carrying a balance is shown what it costs and the cheaper ways to clear it first.

What it prevents

• Paying a joining or annual fee the rewards never cover.
• A rejected application that shows on the credit report.

What happens

1. Upload a statement photo, PDF or CSV (with its password if it has one); it is read in memory and not kept.
2. Each spend is sorted into a category; UPI payments are counted only on cards that work on UPI.
3. Then whether the bill is paid in full, the goal, work, income, age and score band, filled from earlier answers where given.
4. Cards are ranked on the actual spending, after fees, with year one shown apart.

What it prevents

• Paying a joining or annual fee the rewards never cover.
• A rejected application that shows on the credit report.

What happens

1. Asks what is spent and where, whether the bill is paid in full and the goal; then work, income, age and score band.
2. A score below 650 or a first card leads with a card against a fixed deposit and no-fee cards.
3. Each card is marked by whether its issuer's published rules are met.

What it prevents

• Paying a joining or annual fee the rewards never cover.
• A rejected application that shows on the credit report.

What happens

1. Enter the insurer, policy and claim numbers, the dates and what happened.
2. It shows the settlement deadline under IRDAI's rules and whether it was missed.
3. Step 1: the grievance letter (the insurer must reply in 14 days), also through Bima Bharosa.
4. Step 2: the Ombudsman for her city, the first and last dates to go, the office's address and phone.

What it prevents

• Accepting a wrongful rejection because the free Ombudsman route was unknown or its one-year limit missed.

What happens

1. Pick the wrong entries and say what is wrong.
2. The letter to the bureau is drafted with the report number and each entry.
3. The bureau's own dispute page and email are shown.
4. It explains the 30-day limit, ₹100 a day compensation after it, and the RBI Ombudsman.

What it prevents

• A wrong 'late' or 'written off' mark staying on the report for years.

What happens

1. Search in your own words, or open the task.
2. Choose harassment by recovery agents; enter the lender, loan and what happened, with dates.
3. The letter cites RBI's code on recovery (calls only 8 am to 7 pm, no threats, no calls to family).
4. The Ombudsman dates follow the lender's 30 days.

What it prevents

• Harassment continuing because the borrower did not know the rules bind the lender.

What happens

1. Choose what went wrong, the bank and the reference, the amount and what happened, with dates.
2. The app drafts the letter to the Principal Nodal Officer (step 1).
3. It counts the bank's 30 days, then the 90 days to go to the RBI Ombudsman, and shows both dates.
4. It drafts the Ombudsman complaint (step 2) and links to cms.rbi.org.in; the dates can be tracked.

What it prevents

• Going to the Ombudsman too early (rejected) or too late (time-barred).
• Losing the zero-liability protection for an unauthorised transaction by reporting late.

What happens

1. Search in your own words or open the task.
2. It says to call 1930 at once, and why the first hours decide whether money can be frozen.
3. Enter what happened, the amounts and the accounts; the complaint is drafted.
4. It links to cybercrime.gov.in and lists what to attach.

What it prevents

• Losing the chance to freeze the money by reporting late.
• A complaint rejected for missing transaction details.

What happens

1. Type the lender's name.
2. It is matched against RBI's published list, with the list's date.
3. The answer says registered or not found, and to repay only to the lender's own account.

What it prevents

• Borrowing from an unregistered lender with no RBI oversight.

What happens

1. Type the app's name or paste its store link.
2. It is matched against RBI's directory of digital lending apps, with the store it is listed on.
3. Not found: do not install it or share contacts, and report it on RBI's Sachet portal.

What it prevents

• Illegal loan apps that harvest contacts and harass borrowers.

What happens

1. Type the insurer's name.
2. It is matched against IRDAI's register, with the register's date.
3. The answer says registered or not, and to pay premiums only to the insurer.

What it prevents

• Paying premiums to a fake insurer or an agent's personal account.

What happens

1. Type the platform's name.
2. It is matched against RBI's alert list, with the list's date.
3. On a match: send no money; if paid, call 1930 and report.

What it prevents

• Sending money to an unauthorised forex platform.

What happens

1. Type the adviser's name.
2. It explains that SEBI keeps the register and links to both registers.
3. A registered adviser shows an INA (or INH for analysts) number.

What it prevents

• Following tips from an unregistered 'adviser'.

What happens

1. Enter the policy's terms (room limit, co-pay, waiting periods, years held).
2. Each term is compared with the room the person would take and IRDAI's limits.
3. Problems, things to watch and terms that are fine are marked, each with the regulation.

What it prevents

• A claim cut proportionately because the room was above the limit.
• Surprise co-payments on a large bill.

What happens

1. Choose life or health insurers.
2. Each insurer's figures for the latest reported year are listed, with the report they come from.
3. Sort by claims paid, rejections or complaints; the agent uses the same figures when it picks a provider.

What it prevents

• Buying from an insurer that rejects or delays a large share of claims, on the strength of its advertising.

What happens

1. Upload the report.
2. The bureau, score, accounts, outstanding amounts, card utilisation and recent enquiries are read.
3. The score is placed in its band with what lenders usually do at that level.
4. Each problem entry can go straight into a dispute letter.

What it prevents

• Applying blind and collecting rejections that lower the score further.

What happens

1. Enter the lender, account and the wrong remark.
2. The app shows the likely score damage and the lender's obligations.
3. It drafts the notice citing Section 21(3) of CICRA 2005 and the RBI directions.
4. The 30-day window can be tracked.

What it prevents

• Being refused credit for years over a lender's reporting error.

What happens

1. Open the task.
2. Each bureau's free-report page is linked, with the details it asks for.
3. It notes that only a report from the last 60 days can be disputed.

What it prevents

• Paying a third party for a report that is free.

What happens

1. Asks what it is about, who it is against and, if already sent, the date; any complaint tool's letter can start a case from its document bar.
2. Shows what to do now and by when, each stage marked done, waiting, opens soon, now, late or missed.
3. Drafts the next letter from what was said and what has happened (dates, references, the replies), with the portal to file it.
4. Records each reply or decision in two taps; the dates can go to My deadlines or a calendar. Kept only in this browser.

What it prevents

• Missing the last day for the Ombudsman, an RTI appeal or a consumer commission.
• Going to the next forum before the first has had its time, and being turned away.
• Rewriting the same story for every forum.

What happens

1. Asks what happened and the dates only; the rule's own days are counted (bank working days for a card closure).
2. Shows the amount owed and why, naming the circular.
3. Drafts the letter that claims it, and follows it as a case up to the Ombudsman if it is not paid in 30 days.

What it prevents

• Leaving compensation unclaimed that the rule says is due without asking.
• Claiming from the wrong date, or before the time allowed has run out.

What happens

1. Asks the lender, the EMI, what can be paid, what happened, since when and EMIs missed.
2. Drafts the request, says where the account stands (SMA-0 to NPA) and what a settlement costs on the credit report.
3. Follows it as a case to the RBI Ombudsman if it is refused or not answered.

What it prevents

• A settlement that marks the credit report for years when a restructuring was possible.
• Waiting until the account is a non-performing asset before asking.

What happens

1. Asks the rate type, what the loan is for and the amount of each charge.
2. Names each charge the rules forbid, with the RBI direction, and the total to reverse.
3. Drafts the letter and follows it as a case to the RBI Ombudsman.

What it prevents

• Paying a charge the lender may not take.
• A refund request without the rule that grounds it.

What happens

1. Asks what was sold, when, what was paid and how it was sold: made a condition of a loan, no consent, paid from the loan, charges not told, sold as something else, unsuitable.
2. Sets each ground against the rule it breaks: RBI's 2026 directions for a sale from 1 January 2027, RBI's rule that insurance through a lender is voluntary and the Consumer Protection Act before then.
3. Gives the refund, the free-look period and the 30 days to complain, and the letter in the person's own voice.
4. The case can be followed to the RBI Ombudsman from Problems.

What it prevents

• Paying for years for a policy that was never chosen.
• A complaint that misses its 30 days or cites the wrong rule.

What happens

1. Opens the list of banks and lenders whose disclosure was read, the most often settled against first.
2. Each row gives the year, the complaints taken up and the two shares, with a link to the bank's own disclosure.

What it prevents

• Choosing a lender only on its rate, without seeing how it handles a dispute.

What happens

1. Pick the request; a few questions for it.
2. The letter names the rule and asks for a written reply in 30 days.
3. Refused or unanswered: followed as a case to the RBI Ombudsman.

What it prevents

• Asking without citing the rule, and being told no.
• A penalty the issuer owes (an unsolicited card) left unclaimed.

What happens

1. Choose the notice type and enter both parties, amounts and dates.
2. The notice is drafted with the statutory wording and the 15-day cure period.
3. Copy, print or download it; send by registered post with acknowledgement.
4. Track the cure period.

What it prevents

• A notice missing a statutory requirement, which can sink the case.

What happens

1. Enter who sent it, when it was dated and received, and each point with your answer.
2. It works out the reply window and warns if it has passed.
3. The reply names the client and answers each point.
4. The reply date can be tracked.

What it prevents

• Silence being read as admission, or a reply that concedes a point by accident.

What happens

1. Describe how the notice came and what was asked.
2. Warning signs are listed: no agency arrests on a video call or asks for money.
3. It says how to check a real case (CNR number on eCourts).
4. If money was sent: call 1930, report at cybercrime.gov.in and on Sanchar Saathi.

What it prevents

• Paying a 'digital arrest' scammer.

What happens

1. Enter the cheque, dishonour memo, notice and delivery dates.
2. Each condition is checked with its section and marked pass or fail.
3. It gives the drawer's 15 days, and the earliest and latest dates to file.
4. The dates can be tracked.

What it prevents

• Filing too early (premature) or too late (time-barred).

What happens

1. Enter the cheque amount and case details.
2. The 20% ceiling and the deposit period (60 days, extendable by 30) are applied.
3. The application under Section 143A is drafted.

What it prevents

• Waiting years for money when the law lets the court order a part now.

What happens

1. Choose the kind of claim and the date the right to sue arose.
2. The article of the Schedule and its period are applied.
3. It shows the expiry date and days left, and how an acknowledgement or part payment can restart the clock.

What it prevents

• A valid claim lost to the limitation period.

What happens

1. Enter the parties, the purchase, what went wrong and what is claimed.
2. The commission is chosen by the value paid, and the fee worked out (nil up to ₹5 lakh).
3. The complaint is drafted under Section 35.
4. Links to e-Jagriti and the National Consumer Helpline 1915.

What it prevents

• Filing before the wrong commission, or paying a fee that is not due.

What happens

1. Enter the amount paid, the claim and both cities.
2. The commission follows from the amount paid (Section 34 and the 2021 rules).
3. It lists every place the complaint may be filed, the fee, and the two-year limit.

What it prevents

• A complaint returned for want of jurisdiction, months later.

What happens

1. Choose the purpose and enter the details.
2. The stamp paper value for the state and the attesting authority are shown.
3. The affidavit is drafted, ready to print for the notary.

What it prevents

• An affidavit rejected for the wrong stamp paper or wording.

What happens

1. Paste the contract.
2. Each clause is checked against a list of known traps and the law behind each.
3. Flagged clauses get the reason and safer wording.
4. An overall risk score and verdict.

What it prevents

• Signing away rights, or accepting a clause a court would not enforce anyway.

What happens

1. Enter the parties, rent, deposit, term and state.
2. Terms are checked against the Model Tenancy Act.
3. An illegal term is shown with the remedy.
4. The agreement is drafted with stamp and registration costs.

What it prevents

• Paying a deposit the law does not allow, or an agreement that will not stand up.

What happens

1. Choose the state, area, buyers and the price (and circle value).
2. The state's rates (with any municipal surcharge, metro cess or women's concession) are applied.
3. Each figure cites the official document it was read from.
4. States whose official copy cannot be read get the reason and a link to their calculator, not a guess.

What it prevents

• Budgeting on a wrong rate, or an under-stamped deed.

What happens

1. Enter the testator, executor and bequests.
2. The will is drafted with the clauses a court expects.
3. It states: no stamp duty, two witnesses (Section 63), registration optional.

What it prevents

• A will invalid for missing witnesses, or an estate left to intestacy.

What happens

1. Enter donor, recipient, relationship and the property.
2. The tax treatment is shown.
3. The deed is drafted under Section 122 of the Transfer of Property Act.

What it prevents

• Unexpected tax, or a gift that can be challenged.

What happens

1. Enter both people and tick the powers.
2. The deed is drafted with only those powers.
3. It explains the stamp paper, notarisation (and embassy authentication abroad) and revocation.

What it prevents

• A general power of attorney that gives away far more than intended.

What happens

1. Enter the dispute and the district.
2. The next National Lok Adalat dates are shown (announced or usual pattern).
3. It explains: no court fee, refunds on pending cases, binding award, no appeal.
4. The application is drafted.

What it prevents

• Years in court for a dispute that could settle in a day.

What happens

1. Enter the parent, the children and monthly needs.
2. The Tribunal, the cap, the 90-day decision time and interim maintenance are explained.
3. The application under Section 5 is drafted.

What it prevents

• An elderly parent left without support because the free Tribunal route was not known.

What happens

1. Enter the project, RERA number, promised date, amount paid and, only if wished, SBI's MCLR (SBI's published rate is read every night).
2. The delay and interest are worked out.
3. Refund or stay-and-get-interest are explained.
4. The complaint is drafted for her state's RERA.

What it prevents

• Taking possession and losing the interest the law gives for the delay.

What happens

1. Tick what applies: a woman, a child, SC/ST, disability, custody, an income limit.
2. Most categories have no income test.
3. It says what free legal aid covers and where: the District Legal Services Authority, NALSA 15100, Tele-Law.

What it prevents

• Paying for a lawyer the State would provide free.

What happens

1. Choose man or woman, the surviving relatives and the value.
2. Class I heirs share equally; daughters equal to sons.
3. It explains who is excluded (a father is Class II) and that only the deceased's share of joint family property passes this way.

What it prevents

• Family disputes from wrong assumptions about shares.

What happens

1. Dates come from drafts, or are added.
2. Each shows days left or overdue, the law and what happens if it passes.
3. Reminders go to the saved contact before each date.

What it prevents

• A missed hearing or statutory date.

What happens

1. Tick the kinds of income and amounts.
2. Each form's eligibility conditions are checked.
3. The right form and reason; a wrong form makes the return defective under Section 139(9).

What it prevents

• A defective-return notice and a 15-day scramble.

What happens

1. Enter salary and other income, and deductions (80C, 80D, HRA, home loan interest).
2. Tax under both regimes is worked out on the current year's slabs, with the standard deduction and rebate.
3. The cheaper regime is recommended with the saving, and the break-even level of deductions is shown.
4. The comparison is kept in the activity history.

What it prevents

• Paying more tax by staying in a regime out of habit, or by an employer's default.

What happens

1. Paste or upload the notice.
2. The type, DIN, section, year and demand are found and shown with the text they came from.
3. It works out the reply window and links to verify the DIN.
4. Next step: pay, or rectify under Section 154.

What it prevents

• Ignoring a notice or acting on a fake one.

What happens

1. Enter the order, the mistake and the correct figures.
2. The CPC and the four-year limit are shown.
3. The application is drafted with interest under 244A.

What it prevents

• Losing a refund by not correcting a processing error in time.

What happens

1. Enter estimated income, TDS and tax paid.
2. Instalments (or one for presumptive taxpayers) are set out.
3. Shortfalls and interest are shown; reminders before each date.

What it prevents

• Interest for a missed instalment.

What happens

1. Enter the turnover, split into receipts by bank or UPI and in cash.
2. The limit is checked: ₹3 crore when cash is within 5% of turnover, ₹2 crore otherwise.
3. Presumed profit is worked out, with the conditions: no books of account needed, advance tax in one instalment by 15 March.
4. It warns that opting out after opting in bars 44AD for the next five years.

What it prevents

• Keeping full books and paying for an audit when the simpler scheme was available.
• Opting out for one year and being locked out for five.

What happens

1. Choose the return and the period, and enter the filing date and the tax paid late.
2. The due date is found with its section of the CGST Act.
3. Days late, the late fee and the interest are worked out, with the rules behind each.
4. It notes that the fee applies to each overdue return. A wrongly typed date gets a plain message, not an error.

What it prevents

• Late fees and interest mounting across several returns unnoticed.

What happens

1. Enter the notice details and each point.
2. The reply form and deadline are worked out.
3. The reply is drafted, noting DRC-03 for admitted amounts.
4. The deadline can be tracked.

What it prevents

• An unanswered notice turning into a demand with penalty.

What happens

1. Enter the GSTIN, the cancellation order's date and the reason.
2. The standard 30-day window and the extended windows are dated, with whether condonation is needed.
3. Form REG-21 is drafted, to file on the GST portal after filing the pending returns and paying dues.

What it prevents

• Losing the registration for good, and with it the right to collect GST and claim input credit, because the window passed.

What happens

1. Choose the kind of payment and enter the amount and the payee's status.
2. The section, its threshold and rate are applied (2% for technical services and call centres).
3. It shows the deduction, the net payment and the deposit date (the 7th of the next month, 30 April for March).
4. It warns that not deducting disallows 30% of the expense under Section 40(a)(ia).

What it prevents

• Part of the expense being disallowed, with interest and penalty, for TDS not deducted or deposited late.

What happens

1. Choose the assessment year and enter the tax and interest due on the income left out.
2. The additional tax for the year it is filed in is applied (25% within 12 months of the year's end, rising each year after).
3. It shows the total to pay, the date to file by to stay at the lower rate, and the last date.
4. It lists when ITR-U is barred (a search, a reassessment, a loss return) and that only one is allowed a year.

What it prevents

• The department finding the income first, with penalty far above the extra tax.
• Missing the date after which the extra tax steps up.

What happens

1. Enter basic pay plus DA, HRA received, rent paid and whether the city is a metro.
2. The three limits are worked out and the least is exempt; the rest is taxable.
3. Rent receipts are generated for the months chosen.
4. It flags that rent above ₹1 lakh a year needs the landlord's PAN.

What it prevents

• Paying tax on HRA that is exempt.
• An employer or the department rejecting the claim for missing receipts or PAN.

What happens

1. Enter the last monthly basic pay plus DA, the joining and leaving dates, and leave encashed.
2. Completed years are counted (a part year over six months counts as a year) and 15/26 of monthly wages is applied for each.
3. The ₹20 lakh ceiling and the tax exemption are applied, showing any taxable part.
4. The EPS pension is estimated from service and pensionable salary.

What it prevents

• Accepting a smaller settlement than the Act requires, for instance one that leaves out DA or miscounts the years.
• Paying tax on an amount that is exempt.

What happens

1. Enter the details as they appear in the EPFO passbook and in Aadhaar, and the dates of joining and leaving.
2. Each mismatch is found and rated: a name mismatch makes an online claim reject automatically.
3. The joint declaration under EPFO's procedure is drafted for the member and employer to sign.
4. It explains marking the exit date on the member portal if the employer has not.

What it prevents

• Filing online claims that are rejected, one after another, for months.

What happens

1. Enter the buyer, invoice, amount, dates and credit period (15 days if none).
2. Interest is compounded monthly.
3. The Section 18 petition is drafted for MSME Samadhaan.

What it prevents

• Accepting late payment without the interest the law gives.

What happens

1. Choose what was sold, the dates and prices, and costs.
2. The holding period decides short or long term; the rate and exemption apply.
3. For older property, tax with and without indexation are compared and the cheaper applied.
4. Reliefs under Sections 54, 54F and the Capital Gains Account Scheme are shown.

What it prevents

• Overpaying by using the wrong method, or missing a reinvestment exemption.

What happens

1. Upload Form 16, and Form 26AS or the AIS with its password.
2. Salary, deductions, taxable income and TDS are read; the TDS is matched with 26AS by the employer's TAN.
3. The figures carry on to the regime and return checks.

What it prevents

• Claiming TDS the department never received, and the notice that follows.
• Typing a Form 16 in by hand.

What happens

1. Enter the public authority and the information sought, one item to a line.
2. The fee, the deadline and the penalty of ₹250 a day (up to ₹25,000) are shown.
3. The application is drafted in Form A.
4. It links to rtionline.gov.in for central bodies; the deadline can be tracked.

What it prevents

• An application returned for its format, or one that asks questions instead of seeking records.
• A missed deadline for the first appeal.

What happens

1. Describe the problem, add photos (location read from them) and place.
2. The body responsible is named.
3. A PDF under the portal's size limit and each field ready to copy.
4. Nothing is sent from here; photos are not stored.

What it prevents

• A complaint that goes nowhere for want of evidence or the wrong office.

What happens

1. Choose the state and district, or enter a pincode (looked up in India Post's directory).
2. Officials are listed by office from the official directories, with the date they were read.
3. Phone numbers and email addresses are shown where the government publishes them.

What it prevents

• Writing to an office that cannot act, or to a number found on an unofficial site.

What happens

1. Search or pick a guide.
2. It shows where to apply (the official portal, linked), the official fee, the steps in order and the documents to carry.
3. Where the app has a tool for a step, it links to it.

What it prevents

• Paying touts or agents for a service that is simple and cheap to do yourself.
• A wasted visit for want of a document.

What happens

1. Register on the CPGRAMS portal (linked from the guide).
2. Choose the ministry or the state, and describe the grievance with dates and reference numbers.
3. Keep the registration number and track the grievance with it.
4. Not satisfied with the answer: rate it Poor and appeal within 30 days.

What it prevents

• A complaint that sits unanswered with no reference to chase it by.
• Paying someone to 'follow up' on a free public service.

What happens

1. Enter the current name, the new name, father's or spouse's name, address and the reason.
2. The English and regional-language newspaper advertisements are generated, ready to hand to the newspapers.
3. The Gazette notification draft follows, with the steps: affidavit first, then the advertisements, then the Gazette filing.
4. Once filed, 'Is my notice published' checks whether it has appeared.

What it prevents

• A change of name that banks, the passport office or employers will not accept because a step was skipped or done out of order.
• Paying a service that only fills in these same texts.

What happens

1. Enter the registration number.
2. The state and regional transport office are read from the number.
3. Each check links to the official source (Parivahan, e-Challan, the Insurance Information Bureau), because those portals are behind a captcha and cannot be read for the person.
4. The penalties are listed with their sections of the Motor Vehicles Act: driving uninsured, without a pollution certificate, with pending challans.

What it prevents

• Driving uninsured or with an expired pollution certificate (fines, and an insurer declining a claim).
• Challans sent to court and escalating into a summons.
• A sale or transfer blocked by an old hypothecation entry.

What happens

1. Pick the lookup and enter the number.
2. IFSC and pincode are looked up in public directories (Razorpay's IFSC data, India Post).
3. A GSTIN's state code and check digit are verified; a mistyped one names the wrong character.
4. A PAN, CIN or UPI ID is decoded from its structure, and the answer says it checks the format only, with a link to the official register.

What it prevents

• A payment sent to the wrong branch.
• An invoice or TDS return with a mistyped GSTIN or PAN.
• Believing a number is 'verified' when only its format was checked.

What happens

1. Enter the name on the notification.
2. The Gazette's recent-uploads listing is fetched (and cached), and searched for the name.
3. A match is shown with its source; no match is not proof of rejection, because the listing holds only recent entries and publication can take weeks.
4. Other portals (IEPF, Vahan) are checked live and reported as answering, cached or unreadable.

What it prevents

• Assuming a notification has been published, or rejected, without checking the official source.

What happens

1. Pick the card you have and the card you are looking at.
2. The spending is the one given under Best card for me, or a statement already read for the agent's card; with none, it asks for it first.
3. Each card's rewards, milestones and fees are applied to that spending, with the difference a year.

What it prevents

• Switching to a card that returns less on the way you spend.
• A comparison worked out on no spending at all.

What happens

1. Choose the loan type, amount, tenure and credit score band.
2. Rates read from each lender's own page (with the date) are applied.
3. Lenders are listed by rate with the EMI from lowest to highest, and a link to each rate page.

What it prevents

• Taking the first offer when a published rate a percentage point lower was available.

What happens

1. Enter the loan, income, age, work and score band.
2. Each lender's published criteria are checked one by one.
3. Lenders are split into meets and does not meet, with each rule shown and the date it was read.
4. Where a lender publishes no income share, the assumption used is stated.

What it prevents

• Several applications in a row, each a hard enquiry that lowers the score.

What happens

1. Enter take-home pay, existing EMIs, rate, tenure and the property's value.
2. It shows the loan at 40%, 50% and 60% of pay going to EMIs.
3. It caps the loan at RBI's loan-to-value limit and shows the down payment.

What it prevents

• Booking a home on a loan amount the bank will not sanction.

What happens

1. Enter the amount, rate, tenure and fees.
2. EMI, interest, charges and the total repaid are calculated.
3. The APR is worked out on the amount actually received, the way RBI's Key Facts Statement requires.

What it prevents

• A 'low rate' loan that costs far more once fees are counted.

What happens

1. Enter the loan and the lump sum.
2. It shows keeping the EMI (finish early) or keeping the term (lower EMI), with interest saved.
3. It states the certain return prepaying gives, after any tax benefit the interest was earning.

What it prevents

• Investing for a return that, after tax and risk, is lower than the loan's rate.

What happens

1. Enter the goal's cost today and the years to it.
2. The future cost is worked out with inflation.
3. The monthly saving is shown at PPF's rate and at past market ranges, with where the rates come from.

What it prevents

• Saving too little because inflation or market swings were ignored.

What happens

1. Enter age, retirement age, expenses and savings.
2. Expenses are inflated to retirement and the corpus needed is worked out.
3. Monthly saving is shown at a fixed rate and at market ranges.

What it prevents

• Reaching retirement with savings that run out.

What happens

1. Enter monthly essentials, EMIs and the household's situation.
2. It starts from three months and adds months for each risk.
3. It says where to keep the money so it can be withdrawn in a day.

What it prevents

• Breaking investments or borrowing at a high rate in an emergency.

What happens

1. Choose the scheme and the deposit.
2. This quarter's official rate is applied for the term.
3. It shows what is paid in, the interest, the maturity or payout, and the tax treatment.

What it prevents

• Relying on an old rate, or a scheme that does not suit the need.

What happens

1. Enter the amount, years and tax slab.
2. Each option's return and its tax treatment are applied.
3. Options are listed by what is left after tax, with the tax paid.

What it prevents

• Choosing on the headline rate and losing much of it to tax.

What happens

1. Type part of the fund's name.
2. Matching schemes are listed from AMFI's daily NAV file.
3. It says this is published data, not investment advice.

What it prevents

• Relying on figures from an unofficial source.

What happens

1. Search the IEPF site for the name or folio.
2. File IEPF-5 online and note the SRN.
3. Send the signed form, indemnity bond and documents to the company's nodal officer.
4. The company verifies and IEPF credits the shares to the demat account.

What it prevents

• Paying 'recovery agents' a share of the value for a free procedure.

What happens

1. Find the company's registrar (RTA).
2. Value the shares: up to ₹5 lakh needs no FIR or advertisement.
3. Send ISR-4 and documents; the registrar issues a letter of confirmation.
4. Within 120 days the depository participant credits the shares in demat form.

What it prevents

• Paying intermediaries, or missing the 120-day window.

What happens

1. Upload the statement (PDF or photo), or paste its text.
2. The figures are read: amount, amount paid out, fees, EMI, months, rate and the stated APR.
3. The APR is worked out again; a stated APR that hides a fee is flagged, and a missing APR too.

What it prevents

• Comparing loans on the interest rate instead of the APR.
• Signing a statement that leaves out a charge.

What happens

1. Upload the statement with the password set when it was requested.
2. Each fund is listed with its value and the date of its last transaction.
3. Folios idle for three years or more are shown, with how to trace and update them.

What it prevents

• Forgotten folios with outdated KYC.
• Typing holdings in one by one.

What happens

1. Upload the bank statement (PDF with its password, CSV or photo), or try a sample account.
2. Each line is read and sorted: salary, EMIs, rent, transfers between one's own accounts, refunds, bounces.
3. The strength, the EMI and loans that fit, and what to fix are shown; one tap checks the lenders.

What it prevents

• Applying blind and being rejected, which adds a hard enquiry.
• Counting a transfer from one's own account, or a loan, as income.

What happens

1. Enter the amount and the months to repay.
2. Add what you have: deposits and their rate, gold, a home loan's top-up offer, property, a policy.
3. Each way is costed from the lenders' and banks' published rates, cheapest first.

What it prevents

• Paying a personal loan's rate when a loan against one's own deposit costs a point or two more than it earns.
• Breaking a deposit early and losing its interest.

What happens

1. Photograph a document or upload a PDF, or type a number.
2. The document is read, the number format checked, and the Aadhaar number masked.
3. It lists what would hold up an application (a name mismatch, an expired document).
4. The file is dropped after reading.

What it prevents

• A loan held up for weeks over a mismatch that could be fixed first.

What happens

1. Enter PAN, name and date of birth, and consent.
2. The provider returns status, name match, date of birth match and Aadhaar link.
3. The consent is recorded with its purpose and expiry.

What it prevents

• An application rejected because the PAN is inoperative or not linked to Aadhaar.

What happens

1. Upload the offline e-KYC zip and its share code.
2. The server checks UIDAI's digital signature and the file's date.
3. It shows the details with the Aadhaar number masked, and whether a mobile number matches.
4. A consent record is kept for the check.

What it prevents

• Accepting a tampered or unsigned e-KYC file as proof of identity.

What happens

1. Open My consents.
2. Each consent shows its purpose, the party, the date and the expiry.
3. Withdraw ends it at once.

What it prevents

• Consent given for one check being relied on indefinitely.