Q13.Reforming the government delivery system through the Direct Benefit Transfer Scheme is a progressive step, but it has its limitations too. Comment.

Direct Benefit Transfer (DBT) is a progressive reform transferring subsidies and welfare benefits directly to beneficiaries' bank accounts, enhancing transparency and efficiency.

• Reduces leakages and corruption by eliminating intermediaries.
• Enhances transparency and accountability in welfare schemes.
• Promotes financial inclusion, linking beneficiaries to formal banking.
• Improves efficiency and timely delivery, empowering recipients.

• Exclusion errors due to Aadhaar-bank linkage issues or lack of bank accounts.
• Digital divide, limited banking access, and low digital literacy, especially in rural areas.
• Technical glitches and internet connectivity problems.
• Inadequate awareness and challenges in robust grievance redressal.

• Strengthen digital infrastructure and last-mile connectivity.
• Conduct extensive awareness and financial literacy programs.
• Establish effective, accessible grievance redressal systems.
• Ensure universal bank account access and seamless Aadhaar seeding.

DBT is a transformative step towards efficient governance. Its success requires continuous refinement, addressing limitations, and ensuring inclusive delivery.