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Electronic Cash Transfers

Electronic Cash Transfers: Reforming Welfare Delivery in India

Introduction One of the enduring challenges of welfare governance in India has been ensuring that public resources reach the intended beneficiaries efficiently, transparently, and without leakages. Traditional welfare delivery mechanisms—often involving physical cash, intermediaries, and manual records—have historically suffered from corruption, delays, duplication, and wastage. In response to these systemic inefficiencies, the government introduced the…

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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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Digital India and the Role of E-Governance in Strengthening Democracy

Introduction India, the world’s largest democracy, has entered a transformative phase driven by technological advancements and digital empowerment. Launched in 2015, the Digital India initiative marked a paradigm shift in governance, aiming to digitally empower citizens and transform public service delivery. In this new digital era, e-Governance has emerged as a vital tool to strengthen…

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