Despite decades of planned development and poverty eradication programs at the national and state levels, poverty continues to persist in India. The National Rural Employment Guarantee Act (NREGA) has been a subject of lively debate, which aims at the ‘right to work’ enhancing the livelihood security of people in rural areas by guaranteeing hundred days of wage-employment in a financial year to a rural household who volunteer to do unskilled manual work. The National Rural Employment Guarantee Act was approved by the Indian Parliament in September 2005. It was renamed as ‘Mahatma Gandhi National Rural Employment Guarantee Act’ on 2-10-2009. This Act started functioning from 2nd Feb.2006. Initially it was introduced in 200 districts of the country and later extended to all districts in the country. The main aim of this Act is to enhance the purchasing power of rural people. World Development Report 2014 termed it a "stellar example of rural development" and noted economist Amartya Sen also said it is a good Scheme for employment generation in rural areas, but it has to be reformed. This Paper is an attempt to present a review of the “Mahatma Gandhi National Rural Employment Guarantee Act - With Special Reference to Telangana State.
With the help of this presentation you will be able to know the financial inclusion status in india. Stats from RBI and Inclusix index also had been included in presentation.
India's National Food Security Act (NFSA) intends to supply subsidized food grains to two-thirds of the country's 1.25 billion people. The passage of this Act in 2013 marked a major paradigm shift in the fight against food insecurity, from a welfare-based to a rights-based strategy. The purpose of this presentation is to examine the impact of the National Food Security Act (NFSA) on food security outcomes in India. Using a food security measurement methodology, it seeks to investigate the origins of the right to food rhetoric as well as the elements that contribute to perennial failure in food security outcomes. The talk then shifts its focus to the ongoing failure to address childhood malnutrition. The influence of the NFSA on India's food security outcome indicators is detailed in this presentation. The presentation suggests that, in order to ensure the nutritional security of Indians, governments must look beyond subsidized food grain aid.
Despite decades of planned development and poverty eradication programs at the national and state levels, poverty continues to persist in India. The National Rural Employment Guarantee Act (NREGA) has been a subject of lively debate, which aims at the ‘right to work’ enhancing the livelihood security of people in rural areas by guaranteeing hundred days of wage-employment in a financial year to a rural household who volunteer to do unskilled manual work. The National Rural Employment Guarantee Act was approved by the Indian Parliament in September 2005. It was renamed as ‘Mahatma Gandhi National Rural Employment Guarantee Act’ on 2-10-2009. This Act started functioning from 2nd Feb.2006. Initially it was introduced in 200 districts of the country and later extended to all districts in the country. The main aim of this Act is to enhance the purchasing power of rural people. World Development Report 2014 termed it a "stellar example of rural development" and noted economist Amartya Sen also said it is a good Scheme for employment generation in rural areas, but it has to be reformed. This Paper is an attempt to present a review of the “Mahatma Gandhi National Rural Employment Guarantee Act - With Special Reference to Telangana State.
With the help of this presentation you will be able to know the financial inclusion status in india. Stats from RBI and Inclusix index also had been included in presentation.
India's National Food Security Act (NFSA) intends to supply subsidized food grains to two-thirds of the country's 1.25 billion people. The passage of this Act in 2013 marked a major paradigm shift in the fight against food insecurity, from a welfare-based to a rights-based strategy. The purpose of this presentation is to examine the impact of the National Food Security Act (NFSA) on food security outcomes in India. Using a food security measurement methodology, it seeks to investigate the origins of the right to food rhetoric as well as the elements that contribute to perennial failure in food security outcomes. The talk then shifts its focus to the ongoing failure to address childhood malnutrition. The influence of the NFSA on India's food security outcome indicators is detailed in this presentation. The presentation suggests that, in order to ensure the nutritional security of Indians, governments must look beyond subsidized food grain aid.
The usage of LPG is more prevalent in the urban and semi-urban areas of India. The majority of the rural population and families belonging to BPL families are still using fossil fuels to cook their meals.
The usage of fossil fuels results in serious health hazards for the women of such families. According to experts, an open fire in the kitchen causes as much damage as burning 400 cigarettes in an hour.
The Ministry of Petroleum and Natural Gas rolled out the scheme Pradhan Mantri Ujjwala Yojana (PMUY) in May 2016 under the leadership of Hon’ble Prime Minister Shri Narendra Modi.
Poverty and Inequality Measurement.pptxKirti441999
This ppt talks about the poverty and inequality measures as mentioned in Alkire and Santos Chapter 6.
It talks about the various measures of poverty and the limitations of using income measurement as a criteria of poverty.
Financial inclusion is a buzzword now and has attracted the global attention in the recent past. As the approach of 12th five year plan (2012-2017) is faster, sustainable and more inclusive growth, the issue of financial inclusion is emerging as the new paradigm of economic growth. Financial inclusion plays a major role in driving a way the poverty from the country. The main focus of financial inclusion in India is to promote sustainable development and generating employment in rural areas for the rural population. C.Rangarajan Committee (2008) defined financial inclusion as, “The process of access to financial services, and timely and adequate credit needed by vulnerable groups such as weaker sections and low income groups at an affordable cost.” The purpose of financial inclusion is to provide equitable opportunities to every individual to avail the facility of formal financial channels for better life, better living and better income. It can be described as the provision of affordable financial services, viz., access to payments and remittance facilities, savings, loans and insurance services by the formal financial system to those who are excluded. Though there are few people who are enjoying all kinds of services from savings to net banking, but still in our country around 40% of people lack access to even basic financial services like savings, credit and insurance facilities. Financial inclusion is the road that India needs to travel towards becoming a global player. This paper attempts to study the overview of financial inclusion in India.
The Good and services tax (GST) is the biggest and substantial indirect tax reform since 1947. The main idea of GST is to replace existing taxes like value-added tax, excise duty, service tax and sales tax. GST as it is known is all set to be a game changer for the Indian economy. India as world’s one of the biggest democratic country follow the federal tax system for levy and collection of various taxes.GST tax system plays a vital role in growth of India.GST cover 12 taxes (Like Vat, Sale tax, CST, KKC etc). GST is one of the most crucial tax reforms in India which has been long pending. It will be levied on manufacture sale and consumption of goods and services. GST is expected to address the cascading effect of the existing tax structure and result in uniting the country economically.
The usage of LPG is more prevalent in the urban and semi-urban areas of India. The majority of the rural population and families belonging to BPL families are still using fossil fuels to cook their meals.
The usage of fossil fuels results in serious health hazards for the women of such families. According to experts, an open fire in the kitchen causes as much damage as burning 400 cigarettes in an hour.
The Ministry of Petroleum and Natural Gas rolled out the scheme Pradhan Mantri Ujjwala Yojana (PMUY) in May 2016 under the leadership of Hon’ble Prime Minister Shri Narendra Modi.
Poverty and Inequality Measurement.pptxKirti441999
This ppt talks about the poverty and inequality measures as mentioned in Alkire and Santos Chapter 6.
It talks about the various measures of poverty and the limitations of using income measurement as a criteria of poverty.
Financial inclusion is a buzzword now and has attracted the global attention in the recent past. As the approach of 12th five year plan (2012-2017) is faster, sustainable and more inclusive growth, the issue of financial inclusion is emerging as the new paradigm of economic growth. Financial inclusion plays a major role in driving a way the poverty from the country. The main focus of financial inclusion in India is to promote sustainable development and generating employment in rural areas for the rural population. C.Rangarajan Committee (2008) defined financial inclusion as, “The process of access to financial services, and timely and adequate credit needed by vulnerable groups such as weaker sections and low income groups at an affordable cost.” The purpose of financial inclusion is to provide equitable opportunities to every individual to avail the facility of formal financial channels for better life, better living and better income. It can be described as the provision of affordable financial services, viz., access to payments and remittance facilities, savings, loans and insurance services by the formal financial system to those who are excluded. Though there are few people who are enjoying all kinds of services from savings to net banking, but still in our country around 40% of people lack access to even basic financial services like savings, credit and insurance facilities. Financial inclusion is the road that India needs to travel towards becoming a global player. This paper attempts to study the overview of financial inclusion in India.
The Good and services tax (GST) is the biggest and substantial indirect tax reform since 1947. The main idea of GST is to replace existing taxes like value-added tax, excise duty, service tax and sales tax. GST as it is known is all set to be a game changer for the Indian economy. India as world’s one of the biggest democratic country follow the federal tax system for levy and collection of various taxes.GST tax system plays a vital role in growth of India.GST cover 12 taxes (Like Vat, Sale tax, CST, KKC etc). GST is one of the most crucial tax reforms in India which has been long pending. It will be levied on manufacture sale and consumption of goods and services. GST is expected to address the cascading effect of the existing tax structure and result in uniting the country economically.
Indira Gandhi Institute for Development Studies(IGIDR), and the International Food Policy Research Institute (IFPRI) on
‘Harnessing Opportunities to Improve Agri-Food Systems’ on July 24-25 , 2014 in New Delhi.
The two day conference aimed to discuss the agricultural priority of the government and develop a road map to realise these priorities for improved agri food systems.
Trend, imbalance,Gst and subsidy of fertilizer industry in IndiaSunil Kumar B R
Introduction
Production ,consumption and import of fertilizers
Imbalance of fertilizers.
Prices of NPK.
Prices of NPK relative to MSP (rice & wheat)
Speciality fertilizers and consumption after NBS
Balanced Fertilization
GST and fertilizers
conclusion
Direct Benefit Transfer- An Innovative approach to Financial Inclusion in IndiaRAVICHANDIRANG
Financial inclusion is one of the innovative approach to reach the financial services and reach the benefits to the
unreached and uncovered people in the country. Pradhan Mantri Jan Dhan Yojana (henceforth PMJDY) provides bank account
to the people without maintaining minimum balance which helps to open 18.51.cr bank account as on March, 2018. Aadhaar
facilitates to find out the real beneficiaries of the Government schemes and benefits. Direct Benefit Transfer (henceforth DBT) is
one of the effective systems which reduce or avoid middleman in between the Government and beneficiaries. The present study is
focused on to analyse the DBT as an innovative approach to the Financial Inclusion in India under various key programmes
implemented in India. In which, researcher has studied the penetration of Aadhaar among the rural and urban beneficiaries and
extent of DBT reached among the beneficiaries in terms of cumulative savings and gains through various DBT schemes.
A Snapshot On The Overall Performance of The Financial Inclusion Initiatives ...VARUN KESAVAN
Financial inclusion or inclusive financing is the delivery of financial services at affordable costs to sections of disadvantaged and low-income segments of society, in contrast to financial exclusion where those services are not available or affordable. Financial refers to all types of financial services, including savings, payments and credit from all types of formal financial institutions. An estimated 2 billion working-age adults globally have no access to the types of formal financial services delivered by regulated financial institutions.
4 years of Modi Government | Modi Government achievements | Launched Scheme ...Deepak Poddar
The central government lead by the Shri Narendra Modi has become quite famous for launching a number of social welfare schemes throughout the country within a short span of time. Here we would focus on top famous schemes that Narendra Modi government has launched since 2014 to till date.
The jan dhan Yojna, Swachh Bharat Abhiyan, Housing For All, Gas Connections for the rural, schemes in education, MSMEs, GST, demonetisation, etc are some of the key eye- catching changes and innovations during these past years.
THE REPORT CARD OF PRADHAN MANTRI JAN DHAN YOJANA SCHEMEVARUN KESAVAN
PMJDY is a National Mission on Financial Inclusion encompassing an integrated approach to bring about comprehensive financial inclusion of all the households in the country. The plan envisages universal access to banking facilities with at least one basic banking account for every household, financial literacy, access to credit, insurance and pension facility. In addition, the beneficiaries would get RuPay Debit card having inbuilt accident insurance cover of र 1 lakh. The plan also envisages channeling all Government benefits (from Centre / State / Local Body) to the beneficiaries accounts and pushing the Direct Benefits Transfer (DBT) scheme of the Union Government. The technological issues like poor connectivity, on-line transactions will be addressed. Mobile transactions through telecom operators and their established centres as Cash Out Points are also planned to be used for Financial Inclusion under the Scheme. Also an effort is being made to reach out to the youth of this country to participate in this Mission Mode Programme.
A Study on Problems faced by Beneficiaries in Availing Direct Benefit Transf...PARAMASIVANCHELLIAH
Direct benefit transfer is well known and reaching in all kind of people in India. It is one
of the initiatives of its kind and one of the largest junction and e-governance program being
implemented by GoI (Government of India) as it involves digitization of information,
rationalization and mechanization of processes and direct benefit transfer by Financial
Inclusion of all families. It covers each and every individual family and resident of the States.
There are some difficulties to reach the benefit to the real beneficiaries such as personal
problems, technology problems and financial problems. Successful implementation of any
program requires consistent and visible mechanisms for ensuring sanction of benefits by a single
office using a single and common dais. This paper made on attempts to analyse the problems
faced by the beneficiaries in availing direct benefit transfer
Presentation by Jared Jageler, David Adler, Noelia Duchovny, and Evan Herrnstadt, analysts in CBO’s Microeconomic Studies and Health Analysis Divisions, at the Association of Environmental and Resource Economists Summer Conference.
ZGB - The Role of Generative AI in Government transformation.pdfSaeed Al Dhaheri
This keynote was presented during the the 7th edition of the UAE Hackathon 2024. It highlights the role of AI and Generative AI in addressing government transformation to achieve zero government bureaucracy
Jennifer Schaus and Associates hosts a complimentary webinar series on The FAR in 2024. Join the webinars on Wednesdays and Fridays at noon, eastern.
Recordings are on YouTube and the company website.
https://www.youtube.com/@jenniferschaus/videos
Russian anarchist and anti-war movement in the third year of full-scale warAntti Rautiainen
Anarchist group ANA Regensburg hosted my online-presentation on 16th of May 2024, in which I discussed tactics of anti-war activism in Russia, and reasons why the anti-war movement has not been able to make an impact to change the course of events yet. Cases of anarchists repressed for anti-war activities are presented, as well as strategies of support for political prisoners, and modest successes in supporting their struggles.
Thumbnail picture is by MediaZona, you may read their report on anti-war arson attacks in Russia here: https://en.zona.media/article/2022/10/13/burn-map
Links:
Autonomous Action
http://Avtonom.org
Anarchist Black Cross Moscow
http://Avtonom.org/abc
Solidarity Zone
https://t.me/solidarity_zone
Memorial
https://memopzk.org/, https://t.me/pzk_memorial
OVD-Info
https://en.ovdinfo.org/antiwar-ovd-info-guide
RosUznik
https://rosuznik.org/
Uznik Online
http://uznikonline.tilda.ws/
Russian Reader
https://therussianreader.com/
ABC Irkutsk
https://abc38.noblogs.org/
Send mail to prisoners from abroad:
http://Prisonmail.online
YouTube: https://youtu.be/c5nSOdU48O8
Spotify: https://podcasters.spotify.com/pod/show/libertarianlifecoach/episodes/Russian-anarchist-and-anti-war-movement-in-the-third-year-of-full-scale-war-e2k8ai4
Up the Ratios Bylaws - a Comprehensive Process of Our Organizationuptheratios
Up the Ratios is a non-profit organization dedicated to bridging the gap in STEM education for underprivileged students by providing free, high-quality learning opportunities in robotics and other STEM fields. Our mission is to empower the next generation of innovators, thinkers, and problem-solvers by offering a range of educational programs that foster curiosity, creativity, and critical thinking.
At Up the Ratios, we believe that every student, regardless of their socio-economic background, should have access to the tools and knowledge needed to succeed in today's technology-driven world. To achieve this, we host a variety of free classes, workshops, summer camps, and live lectures tailored to students from underserved communities. Our programs are designed to be engaging and hands-on, allowing students to explore the exciting world of robotics and STEM through practical, real-world applications.
Our free classes cover fundamental concepts in robotics, coding, and engineering, providing students with a strong foundation in these critical areas. Through our interactive workshops, students can dive deeper into specific topics, working on projects that challenge them to apply what they've learned and think creatively. Our summer camps offer an immersive experience where students can collaborate on larger projects, develop their teamwork skills, and gain confidence in their abilities.
In addition to our local programs, Up the Ratios is committed to making a global impact. We take donations of new and gently used robotics parts, which we then distribute to students and educational institutions in other countries. These donations help ensure that young learners worldwide have the resources they need to explore and excel in STEM fields. By supporting education in this way, we aim to nurture a global community of future leaders and innovators.
Our live lectures feature guest speakers from various STEM disciplines, including engineers, scientists, and industry professionals who share their knowledge and experiences with our students. These lectures provide valuable insights into potential career paths and inspire students to pursue their passions in STEM.
Up the Ratios relies on the generosity of donors and volunteers to continue our work. Contributions of time, expertise, and financial support are crucial to sustaining our programs and expanding our reach. Whether you're an individual passionate about education, a professional in the STEM field, or a company looking to give back to the community, there are many ways to get involved and make a difference.
We are proud of the positive impact we've had on the lives of countless students, many of whom have gone on to pursue higher education and careers in STEM. By providing these young minds with the tools and opportunities they need to succeed, we are not only changing their futures but also contributing to the advancement of technology and innovation on a broader scale.
Jennifer Schaus and Associates hosts a complimentary webinar series on The FAR in 2024. Join the webinars on Wednesdays and Fridays at noon, eastern.
Recordings are on YouTube and the company website.
https://www.youtube.com/@jenniferschaus/videos
2024: The FAR - Federal Acquisition Regulations, Part 37
Direct benefit cash transfer
1. The Direct Cash Transfer
Scheme “Aapka paisa
aapke haath"
Y.SYAMALA JENNIFER
MBA 1- E
1420462
2. Contents
1. Introduction
2. About the scheme
3. International Practices
4. Programs part of DBT
5. Primary aims
6. How does it work?
7. Aadhaar and its application.
8. LPG
9. National Child Labour
10. NREGA
11. Financial details
12. SWOT analysis
13. Recent Updates
14. Success Story
15. Challenges
16. Learning and Conclusion
The Direct Cash Transfer Scheme “Aapka paisa aapke haath"
3. INTRODUCTION
Direct Benefit cashTransfer or DBT is an anti-poverty program
launched by Government of India on 1 January 2013. This program
aims to transfer subsidies directly to the people living below poverty
Line.
"Aapka paisa aapke haath" concept has brought happiness to
the poor who have received the benefits directly into their
bank accoounts.
The Prime Minister has set up three-tier architecture for
monitoring the scheme. This includes a national ministerial
committee, a national executive committee and
implementation committees.
4. The scheme has now been rechristened as Direct Benefits
Transfer (DBT) and curtailed beneficiary districts to 20.
At least two lakh beneficiaries are expected to benefit from
DBT scheme immediately. Food, fertilisers, and fuel have
been kept out of its purview for the present.
“Direct Cash Transfer” scheme which would be rolled out in
phases, initially covering 43 districts (out of 51 announced
earlier) from 1 January 2013 and then entire country (640
districts) by end 2013.
5. The Direct Cash Transfer Scheme “Aapka paisa aapke
haath"
About the Scheme
• Direct cash transfer scheme aims to reduce
leakages, cut down corruption, eliminate
middlemen, target beneficiaries better and speed
up transfer of benefits to eligible individuals.
• To meet the socio-developmental objectives of
poverty elimination and to inclusive growth, a
number of Government sponsored programs and
schemes have been introduced.
• However, efficiency and effectiveness have not
been achieved by any of the programs and
schemes optimally.
6.
7. INTERNATIONAL PRACTICES
• Cash Transfer schemes originated in middle-income Latin American countries.
• In Asia, Bangladesh had a Female Stipend Programme as early as 1982 followed by
a Food for Education Programme in 1993. Food grants were later converted to cash
grants in 2002.
• Several countries including Jamaica, Philippines, Turkey, Chile, Mexico, Indonesia,
South Africa, Morocco and United States have adopted this system in the form of
Conditional Cash Transfer (CCT) programs.
• The largest and the most successful conditional cash transfer program is the Bolsa
Família that provided 100 percent of Brazil's poor in 2007.
8. The Direct Cash Transfer Scheme
“Aapka paisa aapke haath"
National Child Labour Project
Student Scholarship
LPG subsidy
Pension plans
NREGA
PROGRAMS PART OF DBT
9. To bring transparency and terminate pilferage
In DBT, benefit or subsidy will be directly transferred to the citizens living below
poverty line.
No subsidy will be given to those people who don't require it.
The DBT scheme aims at cutting a subsidy bill of ₹1,64,000 crores apart from other
benefits like better delivery, accurate targeting, broader choice, reducing delays and
corruption.
LPG and kerosene subsidies, pension payments, scholarships and employment
guarantee scheme payments as well as benefits under other government welfare
programmes will be made directly to beneficiaries.
PRIMARY AIMS
10. HOW DOES IT WORK?
The money is directly transferred into bank
accounts of beneficiaries having Aadhar cards.
LPG and kerosene subsidies, pension
payments, scholarships and employment
guarantee scheme payments as well as benefits
under other government welfare programmes
will be made directly to beneficiaries.
Under the DBT each and every beneficiary has
to establish his identity and eligibility many
times by producing multiple documents for
verification. The verification of such
documents is done by multiple authorities.
11.
12. What is Aadhaar?
Aadhaar card, consisting a12 digit number
issued for every individual, including infants.
Each individual of a family will have separate
Aadhaar UID number. While enrollment it
verifies all the documents pertaining to an
individual and collects biometric information -
photograph, ten fingerprints and iris through
scanning. The Unique
Identification Authority of India
(UIDAI) will issue for all residents
in India (on a voluntary basis).
13. Government can transfer the benefit amount directly to the bank
account of the beneficiaries to which their Aadhaar card is linked. In
this way we can avoid
middlemen eating away the government fund.
For the rural people if the bank branches are not there in their village
we can provide them the micro ATM facility where he need to verify
his identity by making a thumb impression on the microATM.
Then the person carrying the micro ATM will pay the benefit amount
and the bank will deduct this amount from the beneficiary’s account.
UID and its applications
Government benefits
14. Voting
Criminal acts
Corruption
Perfect authentication
LPG Distribution
Mobile connections
E-commerce
15. Direct Benefit Transfer for LPG consumer (DBTL) is the scheme aimed to improve
the subsidy administration of LPG across the country.
As per this scheme an LPG consumer will get his/her cylinder at full market price
and the differential between subsidized price and full market price i.e. the subsidy
will be transferred to his/her bank account up to a capped limit(9 cylinders in a
year) .
DBTL by Ministry of Petroleum and Natural Gas is the scheme aimed to improve
the subsidy administration of LPG across the country.
LIQUIFIED PETROLEIUM GAS
16. Users can access list of aadhaar enabled banks, DBTL helpline, DBTL forms,
etc. Details related to checking aadhaar enrollment status, aadhaar enrollment
centres, generating e-aadhaar, linking aadhaar to LPG consumer number, etc. are
also available.
LPG for Domestic Cooking is heavily subsidized. So people use fake
connections and misuse the benefits. If Aadhaar card is integrated with the
customer database of LPG they can eliminate illegal diversion of cylinders.
From April 1,2014 residents can avail subsidy on 12 cylinders but will have to
pay the non-subsidised rate for the 13th and thereon.
18. We are soon going to go in for direct benefits transfer for this amount,”
said A.C. Pandey, Joint Secretary, Labour Ministry.
Overall, there are 7,311 such schools under the NCLP scheme and about
8.52 lakh children have been mainstreamed into formal education.
There had been a 45 per cent decline in child labour in India from 90.45
lakh in 2004-05 to 49 lakh in 2009-19, mainly due to MGNREGA, the
rural job scheme, and Right to Education. Assured of 100 days work under
the job scheme, parents are now sending children to school, which is
making all the difference
NATIONAL CHILD LABOUR
20. In fiscal year 2012-2013, government of Andhra Pradesh channelled $1.2
billion of NREGA and social security pension
Security pensions (SSP) payments through this EBT channel. This year the
amount is expected to increase to $1.5 billion.
Various departments at the state level are involved in implementing several
cash transfer schemes.
Government has built a unique skill set in the smart card and pensions unit at
the state level, as well as at the national level.
Payments expert for every district to coordinate this activity.
NREGA-NATIONAL RURAL
EMLOYMENT GUARANTEE ACT
21. According to government reported data, in 2012-13, 67% of NREGA payments
were delivered Summary of Results on December 2013 electronically, and the
remaining were done through a manual process.
In the electronic system, the percentage of payments delivered within the
stipulated two weeks was 25%, 60% within thirty days and the remaining 15%
were delivered after thirty day’s. There is a disbursement window each month of
ten days for making payments.
Pensions are paid during the first six days of the month, while NREGA
payments vary according to work completed.
During the payment window, the agent does over a hundred transactions per day.
22. FINANCIAL DETAILS
The Government had allocated Rs250crore for various welfare
programmes under the DBT scheme launched about seven months
ago covering distribution of LPG subsidy, pensions, scholarships.
So far, over 40crore Aadhaar enrolments have been done, and the
Plan panel was hopeful of achieving the target of 60crore by 2014.
Till June 30, 2013, a total of about Rs35.53crore was disbursed
under various scheme, and in July 2013 alone, about Rs14.76crore
was disbursed.
The government will disburse Rs.4 lakh crore every year, with each
BPL (below poverty line) family getting between Rs.3,000 and
Rs.4,000 a month in a designated bank account. Each family will
get its cash transfer on the basis of its Aadhar.
23.
24. About Rs32 lakh has been disbursed under the Direct Benefit Transfer (DBT)
scheme through the Aadhaar Payment Bridge, the Planning Commission said.
It is ascertained that the Public Distribution System (PDS) is so ineffective that
58% of the subsidized grains do not reach the targeted group and almost a third
of it is trajected off the supply chain.
According to the Finance Ministry, the inefficiencies of the PDS cause the
government to spend ₹3.65 for transferring ₹1 to the poor.
To generate budget savings and reduce corruption, the Government of India
launched the Direct Benefit Transfer (DBT) scheme on January 1st, 2013.
The DBT scheme aims at cutting a subsidy bill of ₹1,64,000crores apart from
other benefits like better delivery.
25.
26.
27.
28.
29.
30. RECENT UPDATES
The government is likely to announce a boost to DBT scheme in the
forthcoming budget and delink it from Aadhaar cards.
The move is part of the revamp of the financial inclusion .
The campaign will focus more sharply on empowering business
correspondents to push financial products in the rural market.
The intention is that the beneficiary should continue to directly receive the
benefit, which is possible without Aadhaar.
The new government is expected to take refuge in the Supreme Court order,
which directs that Aadhaar should not be mandatory for availing
government schemes.
31. SUCCESS STORY
Perhaps the most powerful example of the potential of Aadhaar and DBT comes from
Adilabad and East Godavari districts of Andhra Pradesh, where more than 95% of the
population is enrolled in Aadhaar
DBT has resulted in reduced leakages of about Rs.45 crores in Adilabad
East Godavari of about Rs.120 crores in less than a year.
In both these districts, Aadhaar also enabled identification of duplicate and
fake Liquified .Petroleum Gas (LPG) connections, which were terminated,
over 25,000 new rightful connections for women enabled.
it also revealed bogus pensions amounting to Rs.10-15 crore
50,000 bogus job cards under the MNREGA scheme.
32. Will everyone receive their Aadhaar number in time?: In three years, the
government has issued about 400 million Aadhaars, which leaves 800
million numbers.
Issued a bank account in time: According to the deputy governor of RBI,
only 40% of Indians have bank accounts.
Talking about villages in particular, about 188,000 villages had banking
connectivity in June 2012 whereas India has 700,000 villages.
Will banking channel be ready in time: Currently, the banking
correspondents cover only 70,000 villages which require a further 10-fold
expansion.
At present, BC companies are very few and even if the target is achieved it
will take time to find people and train them.
WHAT ARE THE CHALLENGES?
33. DBT in ultimate analysis aims at poverty
elimination, inclusive growth and delivering
better welfare measures.
problems with banks, post offices and online
connectivity should be resolved.
No doubt rampant corruption, inefficiencies
and leakages have made many welfare
schemes dysfunctional
Direct Benefit cash Transfer to the poor
aims to mitigate these many malaises.
Considering these benefits, India would be in
right direction to implement cash.
LEARNINGS
34. The new system is expected to reduce this cost and subsidy bill
through better targeting.
If the entire system is managed through efficient targeting,
disbursement and regular monitoring of the disbursed funds this can
result into transforming the rural India.
The real success of the policy lies in the accuracy and efficiency in
identification of worthy beneficiaries, i.e. BPL Households.
CONCLUSION