State governments perform well in their DBT schemes when compared with union government’s schemes.
Bhamashah scheme of Rajasthan government proves this scenario.
What are the concerns in union government schemes?
The DBT deficits of the Union Government have increased, as the states have become spendthrift.
There is also the burden of 40%-50% leakage of funds in the central government schemes.
Not many states are doing well in terms of linking payments to Aadhaar numbers of citizens.
The only exception is Rajasthan, whose Bhamashah scheme has done better than the union DBT.
What is Bhamashah scheme about?
The objective of the scheme is financial inclusion, women empowerment and effective service delivery.
It is the first family based Direct Benefit Transfer scheme of India where each family is issued a ‘Bhamashah Card’.
The Card is linked to a bank account that is in the name of lady of the house who is the head of the family.
The card leverages bio-metric identification and core banking.
Multiple cash benefits would be accessed through the Bhamashah Card and will be directly transferred to bank accounts of the beneficiaries.
Over three years, DBT transactions over the Bhamashah platform have crossed Rs 10,000 crore for purposes like pension payments, insurance, scholarships, housing, etc.
