Schemes & Welfare

Total claim value: 1.92 lakh crore INR. ~65% of admissions at private hospitals. 49% of admissions are women. West Bengal, Delhi (fully) not in scheme. Fraud detection and hospital empanelment quality remain active concerns. Source ↗

49% of authorised hospital admissions are women. Top performing states: Tamil Nadu, Karnataka, Rajasthan. West Bengal has not joined PM-JAY (operates its own Swasthya Sathi scheme). ~65% of claims are from private hospitals. Scheme covers 5 lakh INR per family per year for secondary and tertiary hospitalisation; does not cover OPD or medicines. Source ↗

DBT transfers benefits directly to Aadhaar-linked bank accounts, bypassing intermediaries. 313 central schemes use DBT as of 2024. Covers LPG subsidy, PMJDY, MGNREGS, scholarships, PM-KISAN, pensions, and more. Government estimates ₹3.48 lakh crore saved in FY2014–FY2024 by eliminating ghost beneficiaries and middlemen. However, exclusion errors (beneficiaries without Aadhaar or active bank accounts not receiving entitled benefits) are documented concerns. Source ↗

56% of accounts held by women; 67% in rural or semi-urban areas. A meaningful share of accounts were historically zero-balance — though the proportion has declined; average balance is now ~₹4,700. The scheme builds on pre-2014 financial inclusion efforts; Aadhaar-based KYC was essential infrastructure. Source ↗

Average balance ~4,700 INR per account. Rapid growth in deposits reflects both new account openings and DBT inflows. Early years saw many zero-balance accounts; this has improved substantially. Source ↗

Growth driven primarily by the Ujjwala scheme (free connections to BPL households, entirely to women). Refill rates and affordability for the poorest households remain a policy challenge, particularly after subsidy reforms. Source ↗

PM-KISAN (Pradhan Mantri Kisan Samman Nidhi) was launched February 2019 — baseline is 0 pre-launch. Provides ₹6,000/year in three equal instalments directly to farmers' bank accounts via DBT. Total disbursement exceeds ₹3.68 lakh crore across 19 instalments as of 2025. Scheme covers small and marginal land-holding farmers (up to 2 hectares originally, now broader). Tenant farmers and sharecroppers are largely excluded — a noted limitation. Source ↗

National Food Security Act (NFSA, 2013) covers 67 crore beneficiaries with subsidised food grain (₹1–3/kg). PM Garib Kalyan Anna Yojana (PMGKAY) launched April 2020 during COVID provided 5 kg free grain per person monthly; extended through 2024 and merged into NFSA from Jan 2024 making food grain free for 80 crore beneficiaries. Total annual grain distribution: ~600 lakh MT. FCI procurement and distribution logistics remain significant cost centres; leakage (ghost beneficiaries) has declined with Aadhaar-seeding from ~47% to ~12% of allocations. Source ↗

India declared Open Defecation Free (rural) in October 2019. Independent verification by UNICEF and WHO found significant on-ground improvement, though usage and maintenance rates in some states lag construction numbers. SBM Phase 2 focuses on sustainability and solid/liquid waste management. Urban SBM targets households without sanitation access. Source ↗

100% of connections issued to women. Phase 2 (Ujjwala 2.0) launched in 2021 targeted migrant workers without address proof. While connection numbers are high, refill rates among the poorest beneficiaries are below national average — an active policy challenge. Source ↗