Lok Sabha Question No. 2621 (UNSTARRED), answered on 2026-03-09
Subject: Beneficiaries under PMJDY and DBT Platforms
Ministry: FINANCE
Asked by: Smt. Dimple Yadav

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION NO. 2621

ANSWERED ON MONDAY, 9 MARCH, 2026/PHALGUNA 18, 1947 (SAKA)

## Beneficiaries under PMJDY and DBT Platforms

2621. SMT. DIMPLE YADAV:

Will the Minister of FINANCE be pleased to state:

- (a) the  number  of  beneficiaries  having  PM  Jan  Dhan  Yojana  (PMJDY)  accounts  linked  to  Direct Benefit Transfer (DBT) platforms during the last three years, State-wise, particularly for Mainpuri district in Uttar Pradesh;
- (b) the number of DBT transactions processed into such accounts and the number of failed or rejected transactions recorded, classified State-wise, particularly for Mainpuri district;
- (c) the number of grievances received regarding failed DBT payments from Uttar Pradesh and their resolution status, classified State-wise, particularly for Mainpuri district;
- (d) the average time taken to resolve DBT payment failures on central platforms; and
- (e) the  measures  taken  to  strengthen  DBT  delivery,  grievance  redressal  and  financial  inclusion monitoring?

## ANSWER

## THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PANKAJ CHAUDHARY)

(a)  to  (e)  The  Aadhaar  Payment  Bridge System (APBS) has been developed as a unique payment system to strengthen Direct Benefit Transfer (DBT) delivery. Herein, Aadhaar number is used as the central key for facilitating disbursal of social security benefits under different schemes by Government Departments via DBT to the Aadhaar Enabled Bank Accounts (AEBA) of the beneficiaries. The data regarding the number of PMJDY accounts linked to Direct Benefit Transfer (DBT) Schemes is not centrally maintained. However, 86.20 % PMJDY Accounts are seeded with Aadhaar. A total of 83% PMJDY Accounts are seeded with Aadhaar in Mainpuri District.

Key benefits of Aadhaar Payment Bridge System (APBS) inter-alia are as under:

- i. Ensures direct and timely credit of subsidies, pensions, scholarships and welfare benefits into the Aadhaar Enabled Bank Account of the beneficiary;
- ii. Eliminates  leakages,  duplicates,  and  ghost  beneficiaries,  leading  to  major  savings  for  the Government;
- iii. Eliminates inordinate delays, multiple channels & paperwork involved in the earlier system of disbursing subsidies;
- iv. Provides beneficiary the option to change the bank account in which benefits/subsidies are received  by  directly  using  Aadhaar  seeding/de-seeding  facility  via  'Bharat  Aadhar  Seeding Enabler (BASE)' platform, without requiring to convey the bank account details or change in bank details to the Government Department / Agency;
- v. Strengthens financial inclusion by channeling benefits into formal banking accounts;
- vi. Simplifies operations for banks and Government entities by reducing transaction complexity.

To ensure seamless and transparent delivery of benefits for DBT  beneficiaries, Central Ministries/Departments and States/UTs have been requested to leverage technology, end to end digitize processes such as online registration, Aadhaar based biometric authentication, online verification of applications,  electronic  payments  using  Aadhaar  Payments  Bridge  (APB),  digitized  uploading  and verification  of  eligibility  documents,  onboarding  on  Unified  Mobile  Application  for  New-age Governance (UMANG) platform etc. The Central Public Grievance Redress and Monitoring System (CPGRAMS) has also been strengthened and made available on UMANG to enable citizens to interalia lodge DBT related complaints with ease and to ensure their timely and efficient redressal.

Banks and Urban Local Bodies, along with other financial institutions  are  taking  various  steps  to deepen financial inclusion which, inter-alia, include Financial Literacy Programmes by different Banks and other financial institutions  with the  help  of  the  Banking  Correspondent (BC)  channel and  the Financial Literacy Centres (FLCs).

Further, various credit outreach programmes are being organized throughout the country to ensure access to financial services and timely & adequate credit wherever needed by vulnerable groups such as weaker sections and low-income groups at an affordable cost. A national level saturation campaign for saturation of FI Schemes at gram panchayat level was held from 01st July to 31st October, 2025.

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