Haryana shows the way

Haryana had been trying various modes of Direct Benefit Transfer over the years—like through money orders—but they were costly and cumbersome. Also, there was no scope of reconciliation. Then, from April 2011, efforts were made for Electronic Benefit Transfer through no-frills savings account, offered by the banks under the Financial Inclusion Scheme, using the Business Correspondent (BC) model. More than 19 lakh bank accounts were created and the scheme was attempted in all the districts of the State.

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