Twin Pillars of Direct Benefit Transfer Scheme in India

The Government of India has launched various schemes for rural development and welfare in areas of employment, education, health, housing such as MNREGA, RSBY, PMGSY, SLBC, SSP to name a few. Also, Indian Government along with Reserve Bank of India is paving way towards Financial Inclusion- bringing banking services to lower level of pyramid. These two efforts are being integrated with the Direct Benefit Transfer Scheme or commonly refer as DBT scheme which was launched on 1 st Jan 2013. The Direct Benefit Transfer scheme was launched to curb the rampant leakages, corruption and frauds in the implementation of the various social and welfare schemes and programmes. The implementation of Direct Benefit Transfer scheme rests on two pillars- Aadhar number generation by UIDAI authority and Financial Inclusion-Opening of Bank accounts. But they are various challenges while building these two pillars especially with respect to rural areas. This article focuses on problems being faced in rural areas while issuing of Aadhar cards and bringing the people of rural areas under the umbrella of Financial inclusion. Also suggest ways oh how to overcome these issues of lack of infrastructure, trained human resource and awareness for the effective implementation of Direct Benefit Transfer scheme in rural areas of India