• Dr. C. Paramasivan
• G. Arunkumar

Financial inclusion is one of the innovative approach to reach the financial services and reach the benefits to the unreached and uncovered people in the country. Pradhan Mantri Jan Dhan Yojana (henceforth PMJDY) provides bank account to the people without maintaining minimum balance which helps to open 18.51.cr bank account as on March, 2018. Aadhaar facilitates to find out the real beneficiaries of the Government schemes and benefits. Direct Benefit Transfer (henceforth DBT) is one of the effective systems which reduce or avoid middleman in between the Government and beneficiaries. The present study is focused on to analyse the DBT as an innovative approach to the Financial Inclusion in India under various key programmes implemented in India. In which, researcher has studied the penetration of Aadhaar among the rural and urban beneficiaries and extent of DBT reached among the beneficiaries in terms of cumulative savings and gains through various DBT schemes.

Financial Inclusion, PMJDY, Aadhaar, Direct Benefit Transfer, Pratyaksha Hastaantarit Laabh (PAHAL) , National Social Assistance Programme (NSAP), Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA), Student Scholarship.

"Direct Benefit Transfer- An Innovative approach to Financial Inclusion in India", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.5, Issue 12, page no.409-418, December-2018, Available :http://www.jetir.org/papers/JETIR1812655.pdf

"Direct Benefit Transfer- An Innovative approach to Financial Inclusion in India", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.5, Issue 12, page no. pp409-418, December-2018, Available at : http://www.jetir.org/papers/JETIR1812655.pdf