Direct Benefit Transfer

Why it matters

• Reduces leakages and administrative delays by eliminating middlemen in the distribution chain.
• Promotes financial inclusion by mandating the use of formal banking channels for receipt of government support.
• Enhances fiscal management through real-time tracking and verification of beneficiary identities.
• Empowers citizens by providing choice and autonomy in how they utilize transferred funds.

How it is asked

Focus on the integration of the JAM trinity (Jan Dhan, Aadhaar, Mobile) as the foundational infrastructure and its role in improving the efficiency of public service delivery and reducing corruption in welfare schemes.