Context: In light of COVID Pandemic, it is necessary to rethink benefit transfer methodologies. As Jan Dhan Yojana (JDY) of JAM trinity (Jan Dhan-Aadhaar-Mobile) approach turns out to fare poorly on several counts.
Challenges with JDY
Solutions lying in NREGA
Way Forward:
One size fit all approach should be avoided. Many states like Odisha, Tamilnadu have resorted to cash transfers during lockdown. Central govt. could do well considering other options.