Digital Cash in Disaster Relief: Speed, Leakage and What Works
How WFP, UN agencies and India's DBT system send disaster relief as digital cash, why aid budgets are shrinking, and what evidence says on speed and leakage.
GovTech
DBT, public payments and digital infrastructure. 12 researched stories with sources, key takeaways and FAQs.
12 GovTech stories
How Indian State Treasuries Move Rs 42 Lakh Crore: IFMS, PFMS, SNA
Inside India's state treasuries: IFMS and Khajane-II bill data, PFMS and SNA float, digital challans, and the CAG and RBI numbers on where state money goes.
Government Payroll and Wage Payments in India: NREGA to VB-G RAM G
How India pays rural wage workers and 50 lakh central staff: ABPS, eFMS, wage-delay data and what the 125-day VB-G RAM G Act changes for state treasuries.
Paying the Government Online in India: Taxes, Fees and e-Challans
How Indians pay property tax, GST, utility bills and traffic e-challans online, why Rs 23,000 crore in fines sits unpaid, and what the data shows in 2026.
Prepaid Payment Instruments in India: RBI PPI Rules and Limits 2026
RBI rules for prepaid payment instruments explained: small and full-KYC wallet limits, gift and transit cards, cash-out, UPI interoperability and expiry.
Digital Public Infrastructure Explained: India Stack and the G20 Model
What digital public infrastructure is: Aadhaar, UPI, DigiLocker, Account Aggregator and ONDC at scale, the G20 DPI framework, and which countries adopt it.
e-RUPI Explained: How NPCI's Digital Vouchers Work and Who Uses Them
e-RUPI is NPCI's prepaid digital voucher sent by SMS or QR. How it works, who issues it, health, welfare and corporate uses, and what NPCI's data shows.
Purpose-Bound Money Explained: Singapore's PBM and Smart Subsidies
Purpose-bound money attaches spending rules to digital cash. How MAS built PBM via Project Orchid, how it compares with e-RUPI and vouchers, and the risks.
G2P Payments Around the World: How Governments Pay Citizens in 2026
How governments pay citizens digitally: World Bank Findex data plus Brazil's Bolsa Familia, Kenya's Inua Jamii, the Philippines, Indonesia and Togo compared.
Direct Benefit Transfer in India: ₹53 Lakh Crore and What Still Leaks
India's DBT has moved over ₹53 lakh crore across 320 schemes. How it works, what the ₹5.1 lakh crore savings claim measures, and where money still leaks.
NCMC One Nation One Card vs London Contactless: City Transit Payments
India's NCMC has 164 million cards but patchy gates. How it compares with London contactless, Singapore and Hong Kong, and what Smart Cities left unfinished.
Financial Inclusion Data 2026: Jan Dhan, Findex 2025 and the Unbanked
Jan Dhan has 57 crore accounts and Findex 2025 says 79% of adults are banked. The harder number is usage: a quarter of Jan Dhan accounts sit inoperative.
- 01Scheme sanctions fundsMinistry or state department approves a release
- 02Treasury and PFMSFunds move through the public financial management system
- 03Sponsor bankThe department's bank initiates bulk credits
- 04Aadhaar Payment BridgeNPCI routes each credit to the Aadhaar-linked account
- 05Citizen account or walletMoney lands, usually the same day
- 06Spend or cash outUPI, RuPay, bank agent or e-RUPI voucher
Source DBT Mission; NPCI Aadhaar Payment Bridge; PFMS.
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