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Financial Inclusion in India: Evaluating the Role of PM Jan Dhan Yojana and Digital India

Introduction Financial inclusion has emerged as a cornerstone of equitable economic development in the 21st century. It refers to the process of ensuring access to appropriate financial products and services—such as savings accounts, credit, insurance, pensions, and digital payments—to all sections of society, particularly the underprivileged and marginalized. In a country like India, with its…

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pcs mains examinations

Evaluating the Effectiveness of Direct Benefit Transfer (DBT) in Enhancing Welfare Scheme Delivery in India

Introduction Direct Benefit Transfer (DBT) is a transformative policy initiative launched by the Government of India to enhance the efficiency and transparency of welfare schemes. It aims to directly transfer subsidies and benefits to the beneficiaries’ bank accounts, thereby eliminating intermediaries, reducing leakages, and ensuring the targeted delivery of government assistance. Introduced in 2013, DBT…

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