Direct Benefit Transfer — Prelims Strategy
Prelims Strategy
For Prelims, the strategy for DBT should focus on factual accuracy and conceptual clarity. Aspirants must memorize key dates (DBT launch, PMJDY launch), important schemes (PAHAL, PM-KISAN, MGNREGA), and the full forms of acronyms (JAM, PFMS, UIDAI, NPCI).
Understand the core components of the JAM Trinity and their individual roles. Be clear about the functions of PFMS and the Aadhaar Payment Bridge (APB). Pay attention to measurable outcomes like fiscal savings (approximate figures and trends) and the number of beneficiaries.
Questions often test the 'what' and 'how' of DBT, including its benefits (leakage reduction, transparency) and primary challenges (digital divide, exclusion errors). Focus on distinguishing between schemes that are *part* of DBT (e.
g., PM-KISAN) and foundational *components* that enable DBT (e.g., PMJDY). Practice MCQs that involve identifying correct/incorrect statements, as traps often lie in subtle misrepresentations of facts or overgeneralizations.
Current affairs related to DBT, such as new scheme inclusions, expansion phases, or significant statistical updates, are also crucial.