
Direct Benefit Transfer 2.0: Transforming Welfare Delivery in India
India's Direct Benefit Transfer (DBT) system marks a transformative step in public service delivery. It aims to fundamentally reshape how welfare benefits reach citizens. Introduced about a decade ago, DBT was designed to directly credit government subsidies into the bank or postal accounts of accurately identified beneficiaries. The system's core innovation lies in the JAM trinity—Jan Dhan bank accounts, Aadhaar unique IDs, and mobile phones—which enabled massive-scale, targeted, and transparent transfers.





