Payments made by Govt to Beneficiaries via DBT, Check State Wise Data
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Direct Benefit Transfer (DBT) has been a significant achievement of the Government of India. Through DBT, citizens are receiving money of various welfares schemes directly in their bank accounts. For example – PM Kisan Samman Nidhi payment was recently released directly in the bank accounts of citizens. DBT has helped in improving transparency as now, all the money is credited in the bank accounts of beneficiaries without need of any middlemen.
Earlier, when the government gave money to people through different schemes, the process was long and complicated. The money had to go through many hands, and by the time it reached the common people, only a small part was left. Many people didn’t get their full benefit because of middlemen and delays. Because of DBT, the government has saved around ₹4,31,138 crore (till the year 2023–24). This means that money is no longer being lost in the process and is going to the right people.
The total funds disbursed through DBT under various schemes during FY 2024-25:
| States | Total Amount (in Rs.) | Total No. of Beneficiary Transactions |
| ANDAMAN AND NICOBAR ISLANDS | 1,151,530,164 | 1,140,013 |
| ANDHRA PRADESH | 59,143,894,043 | 103,692,749 |
| ARUNACHAL PRADESH | 14,261,765,919 | 4,031,241 |
| ASSAM | 89,049,082,056 | 76,850,048 |
| BIHAR | 339,189,514,228 | 311,504,966 |
| CHANDIGARH | 1,471,870,438 | 3,198,537 |
| CHHATTISGARH | 138,891,275,588 | 82,549,021 |
| DAMAN AND DIU | 568,505,550 | 308,371 |
| DELHI | 165,037,502,892 | 36,884,352 |
| GOA | 292,318,322 | 64,320 |
| GUJARAT | 175,897,798,909 | 102,314,595 |
| HARYANA | 165,045,124,086 | 96,121,251 |
| HIMACHAL PRADESH | 41,633,155,307 | 23,399,635 |
| JAMMU AND KASHMIR | 40,493,338,015 | 24,844,341 |
| JHARKHAND | 199,627,488,386 | 115,022,512 |
| KARNATAKA | 95,081,809,626 | 76,270,044 |
| KERALA | 64,289,378,143 | 44,151,804 |
| LADAKH | 1,305,291,424 | 695,295 |
| LAKSHADWEEP | 304,349,467 | 75,459 |
| MADHYA PRADESH | 215,327,943,299 | 175,495,240 |
| MAHARASHTRA | 398,134,256,353 | 179,882,105 |
| MANIPUR | 14,816,439,347 | 9,838,686 |
| MEGHALAYA | 17,650,977,132 | 7,463,743 |
| MIZORAM | 9,201,305,636 | 5,146,782 |
| NAGALAND | 6,426,959,943 | 3,449,562 |
| ODISHA | 146,640,694,904 | 107,375,590 |
| PUDUCHERRY | 10,526,130,796 | 10,359,575 |
| PUNJAB | 98,243,060,352 | 106,364,061 |
| RAJASTHAN | 148,107,363,393 | 111,406,120 |
| SIKKIM | 1,508,082,836 | 1,513,377 |
| TAMIL NADU | 151,586,308,451 | 210,762,134 |
| TELANGANA | 120,859,585,545 | 163,564,477 |
| DADRA AND NAGAR HAVELI AND DAMAN AND DIU | 660,748,796 | 264,963 |
| TRIPURA | 21,084,662,084 | 11,452,240 |
| UTTAR PRADESH | 587,059,005,419 | 460,081,465 |
| UTTARAKHAND | 23,136,367,738 | 26,589,802 |
| WEST BENGAL | 101,868,895,562 | 165,313,564 |
| Grand Total | 36,65,57,37,80,150 | 2,85,94,42,040 |
A total of 2,85,94,42,040 Direct Benefit Transfer (DBT) transactions have been successfully credited into beneficiary accounts so far, with the total amount reaching a massive ₹36,65,57,37,80,150. This clearly shows how DBT has become a powerful tool to deliver government benefits directly to the public.
While this system has made life easier for common people by ensuring that money goes directly into their bank accounts, it has also increased the workload on bank staff, especially in rural and semi-urban branches.
First, customers visit the bank to complete KYC and to activate DBT for various government schemes. Once the money is credited, many of them return again — often standing in long queues — to withdraw the funds. For banks, especially in crowded branches, this means more time spent handling routine tasks like identity verification, cash withdrawals, and answering customer queries.
Although DBT is a big step forward in improving transparency and reducing corruption, there is now a growing need to support banks with more staff and better infrastructure so they can manage the rising footfall and serve customers more efficiently.
