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International Journal for Research Trends and Innovation
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ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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Impact Factor : 8.14
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| Paper Title: | ROLE OF DIRECT BENEFIT TRANSFER SCHEMES IN PROMOTING FINANCIAL INCLUSIVENESS AMONG RURAL BENEFICIARIES- AN ASSESSMENT STUDY |
| Authors Name: | R Umesh , Dr. Y Nagaraju |
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IJRTI_205609
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| Published Paper Id: | IJRTI2508019 |
| Published In: | Volume 10 Issue 8, August-2025 |
| DOI: | |
| Abstract: | The Direct Benefit Transfer (DBT) system serves as a transformative approach for delivering government welfare benefits directly to citizens. By transferring funds straight into beneficiaries’ bank accounts, it ensures that the intended recipients actually receive the disbursement, thereby eliminating intermediaries and reducing leakage. Aadhaar-based withdrawal—guarantees that only intended beneficiaries access the funds, enhancing both security and accountability. The present study is carried out with the main purpose of evaluating the perception of beneficiaries about DBT schemes and its impact on financial inclusiveness among rural beneficiaries. The data is collected from 112 household beneficiaries of DBT schemes of GOI using Non-Probability Convenience sampling technique.one- way ANOVA is used to test the difference in perception of DBT benefits among the DBT household beneficiaries’ and Chi- Square test is adopted to test the impact of Beneficiary perception of DBT benefits on financial inclusiveness of household beneficiaries in rural areas.it was concluded that a nationwide, integrated digital and financial literacy program specifically targeted at DBT beneficiaries, particularly in rural and marginalized communities is essential. |
| Keywords: | Direct Benefit transfers, Financial inclusion, financial literacy, transparency and efficiency, Unbanked, digital literacy. |
| Cite Article: | "ROLE OF DIRECT BENEFIT TRANSFER SCHEMES IN PROMOTING FINANCIAL INCLUSIVENESS AMONG RURAL BENEFICIARIES- AN ASSESSMENT STUDY", International Journal of Science & Engineering Development Research (www.ijrti.org), ISSN:2455-2631, Vol.10, Issue 8, page no.a103-a112, August-2025, Available :http://www.ijrti.org/papers/IJRTI2508019.pdf |
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2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
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Published Paper ID: IJRTI2508019
Registration ID:205609
Published In: Volume 10 Issue 8, August-2025
DOI (Digital Object Identifier):
Page No: a103-a112 Country: bangalore rural, Karnataka, India Research Area: Management Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2508019 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2508019 |
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ISSN: 2456-3315
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