 JAM Trinity - JAM Trinity is 

a tool
used by the government to transfer
cash benefits directly to the bank
account of the intended beneficiary.

 OBJECTIVE OF THIS - The JAM Trinity is

set to circumnavigate all these
problems and directly benefit the poor
people of this country.
 The center has created a JAM Index
based on Findex data to rank countries
on their use of ID systems, mobile
phones, and financial accounts to
effectively make government payments.
India and Kenya are two top ranking
countries in this index.

 There is a lot of leakages in the

process. Over 15% of PDS rice, 54% of
wheat, and 48% of the sugar are lost
in leakages.
IMPLEMENTATION
 By government estimates, approximately
470 million individuals hold Jan Dhan
bank accounts, opened since 2014, of
which 261 million are women account
holders.
 The initial offer of Jan Dhan accounts
was bundled together with the RuPay
debit card and government-provided
pension and insurance schemes. This
bundling helped improve access to a
 variety of financial instruments for
the bottom of the pyramid.
 It Promoted the financial literacy.
 The government intends to use these
three modes of identification to
implement direct subsidy transfers to
the poor.

 EVALUATION
 The policy evaluation stage of the JAM
Trinity involves assessing the
effectiveness of the policy .
 Key indicators are No of bank accounts
opened under the scheme reduction In
leakages and corruption.
 The outcomes of such a drive include
duplication of Jan Dhan accounts (the
same person holding multiple accounts)
and improper know-your-customer (KYC)
protocols. Our past work has also
demonstrated that low-income customers
are often actively discouraged and
misinformed about basic savings
products (such as the Jan Dhan
account)
 The DBT system eliminated physical
cash distribution channels, instead
facilitating electronic transfers
directly into bank accounts