JAM Trinity Transforming Lives

Published By : Admin | February 24, 2024 | 17:03 IST

In 2014, when Narendra Modi assumed the role of Prime Minister of India, his foremost challenge wasn't merely the struggling economy but the imperative task of uniting the nation comprehensively. Despite decades of schemes aimed at facilitating public services, subsidies, and healthcare across the country, the supply chain consistently suffered leakages amounting to significant financial losses, disconnecting a substantial portion of the population.

The old political jibe of only 15 paise, for every rupee leaving the government coffers, reaching the poor haunted all welfare programmes in India. Beneficiaries were either missing, redundant, or non-existent, and thus, the middlemen availed the benefits and resources meant for the poor.

India grappled with inequality, especially as urban areas rapidly embraced digitization, leaving rural regions at risk of lagging behind. While cities adopted the latest technologies in communication, banking, finance, and medicine, the rural population faced financial exclusion, struggled with supply chain leakages, and often lacked verifiable identification.

Addressing the challenge of connecting 140 crore people required an astute starting point. In 1999, the National Democratic Alliance (NDA) proposed a 'multi-purpose national identity card,' later refined by the United Progressive Alliance (UPA) into the Unique Identification Authority of India (UIDAI) in 2009. However, the idea needed strategic implementation.

This is where Aadhaar emerged as a pivotal element of the JAM trinity. By December 2014, over 720 million people had enrolled for Aadhaar cards, and by April 2018, nearly 120 crore Indians were covered, with several states achieving saturation ratios exceeding one.

Aadhaar played a crucial role in facilitating the opening of Jan Dhan accounts, addressing the longstanding issue of over 800 million rural residents excluded from the financial system. By December 2014, over a hundred million bank accounts were linked to Aadhaar, plugging leakages in subsidy transfers and empowering beneficiaries. The combination of Aadhaar and Jan Dhan accounts proved successful, with the financial year 2015 witnessing 3 lakh new Jan Dhan accounts and 5 lakh Aadhaar card enrollments daily. Today, the number of Jan Dhan Accounts exceeds 50 crore.

It must be noted that it was only under the Modi government where Aadhaar became a foundational identity. Unlike the Congress government, the Modi regime was quite bullish on the prospects of Aadhaar and the benefits it could usher. For instance, while the Congress discontinued the LPG DBT in January 2014, fearing an electoral backlash, the Modi government embarked on ensuring banking penetration for all through the Jan Dhan Yojana programme.

From a socio-economic perspective, Jan Dhan Yojana has been one of the biggest success stories of the Modi government. Not only it ensured financial inclusion in the rural areas, it also empowered the women who were earlier relying on cash, or lacked financial independence. By the end of 2023, the deposits in the Jan Dhan accounts exceeded Rs. 2.1 Lakh Crore, proving all naysayers wrong.

The third component, mobile phones, significantly enhanced the scalability of Jan Dhan and Aadhaar programs. With 600 million unique mobile phone users in the country, linking account numbers to Aadhaar and Jan Dhan accounts streamlined scalability, accessibility, and sustainability.

The JAM trinity, now the bedrock of digital governance in India, supports a multitude of government services, including housing, healthcare, subsidized fuel, banking, and direct benefit transfers. Initiatives like 'Pahal' for LPG subsidies and urea distribution have successfully reduced supply chain leakages.

In the ten years of the Modi Government, remarkable achievements have been witnessed which have been a result of the JAM trinity. For starters, 10 Crore fake beneficiaries have been eliminated from the system. Through Direct Benefit Transfers (DBTs), Rs. 34 Lakh Crore have been transferred to over 100 Crore beneficiaries across hundreds of welfare programmes. These DBTs have ensured a comprehensive development of the rural micro ecosystem.

The importance of JAM Trinity must also be seen in the context of the pandemic. From cash transfers to women to foodgrain allotment under the Pradhan Mantri Garib Kalyan Anna Yojana, none of it would have been possible without the JAM trinity.

JAM trinity has also created another opportunity in the space of data sciences. From a policy perspective, the government has been keen on experimenting with the utility of non-personalised data sets that can be availed by young entrepreneurs and other MSMEs.

Furthermore, as several ministries gather data from many programmes, policy making can be tweaked as per region and requirements. For instance, as data from the Ayushman Bharat programme increases exponentially in the 2020s, the local bodies and governments can go from a reactive model to a preventive one.

For digital governance in India to thrive, a robust foundation was essential, and the JAM trinity has provided just that. Today, as Modi had promised in 2014, governance of a billion people is about maximum governance, minimum government, minus the monetary leakages and middlemen corruption. Not 15 paise, but every rupee designated meant for the poor reaches them.

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PM Modi’s Vision Fuels Delhi’s Development
April 12, 2024

“Delhi has the good fortune to get an opportunity of keeping the flag of nations' prestige flying high.”
- PM Narendra Modi as Delhi prepared to host the G20 Summit

The last ten years of Prime Minister Narendra Modi’s government have set in motion the creation of a New India—from rural to urban, from water to electricity, from houses to health, from education to employment, from castes to classes—a comprehensive plan bringing growth and prosperity to each doorstep.

The National Capital Territory of Delhi has emerged as a pivotal part of this dynamic developmental momentum spearheaded by PM Modi throughout this transformative decade.

The city has been at the heart of the infrastructural shift that has given a dedicated facelift to the entire nation. Today infrastructural marvels like Atal Setu, Chenab Bridge, Statue of Unity, and Zojila Tunnel dot India’s ever-evolving landscape.

With its focus on revamping transportation networks, upgrading urban amenities, and expanding digital infrastructure, the Modi government has launched an array of transformative initiatives. From railways, highways to airports, these initiatives have been key in galvanising inclusive and sustainable development across the length and breadth of the country.

The impressive expansion of the metro rail network has revolutionised urban commuting in India. From a mere 5 cities in 2014, the metro rail network now serves 21 cities across the nation—expanding from 248 km in 2014 to 945 km by 2024, with 919 km of lines under construction in 26 additional cities.

The Union Cabinet has recently approved two new corridors of Delhi Metro Phase-IV—Lajpat Nagar to Saket G-Block and Inderlok to Indraprastha. Both the lines have a combined length of over 20 kms with a project cost of over Rs. 8,000 crore (funding being sourced from the Union Govt, Govt of Delhi, and international agencies). The Inderlok- Indraprastha line will play a significant role in enhancing connectivity to the Bahadurgarh region of Haryana. Additionally, India’s first Namo Bharat train, operating on the Delhi-Meerut Regional Rapid Transit System (RRTS) corridor further underlines the Modi government’s commitment to enhancing regional connectivity and upgrading its transportation infrastructure.

Further, the Bharatmala Pariyojana envisages improved logistics efficiency and connectivity via the development of nearly 35,000 km of National Highway corridors. 25 greenfield high-speed corridors have been planned under the plan out of which four intersect with Delhi’s growing infra capacity: Delhi-Mumbai Expressway, Delhi-Amritsar-Katra Expressway, Delhi-Saharanpur-Dehradun Expressway, and the Urban Extension Road-II. The total project length sanctioned for Delhi is 203 km with an allocation of over Rs. 18,000 crore.

Over the past decade, the Modi government has consistently dedicated efforts towards augmenting capacity and decongestion of airports. After the IGI Airport Delhi became the first airport in the country to have four runways and an elevated taxiway, the expanded state-of-the-art Terminal 1 has also been inaugurated recently. In addition, the upcoming Noida International Airport (Jewar) shall further contribute to decongestion of the Delhi airport which is serving millions of passengers annually.

Besides, the inauguration of the New Parliament has further added civilisational yet modern connotations to the city’s landscape. Inauguration of the Yashobhoomi (India International Convention & Expo Centre) has given Delhi India’s largest convention and exhibition centre, offering a mixed purpose tourism experience. Along with Yashobhoomi, the Bharat Mandapam, a world-class convention and exhibition centre, showcases India to the world.

In terms of welfare, the Modi government has launched several schemes benefitting people hitherto on the margins of growth and development. Women’s safety in Delhi has been a key concern. To address the same, the Modi government strengthened the Criminal Law (Amendment) Act, 2013 by increasing the quantum of punishment for rape, including capital punishment for rape of a girlchild below the age of 12.

The Union Home Ministry established a separate Women Safety Division back in 2018. One-stop centers, Sakhi Niwas, Safe City Project, Nirbhaya Fund, SHe-Box, Investigation Tracking System for Sexual Offences, and Cri-MAC (Crime Multi-Agency Center) among others are significant additions in the government’s campaign towards women safety.

In addition, Swachh Bharat Mission, PM Ujjwala Yojana, PM Matru Vandana Yojana, and Beti Bachao Beti Padhao have further led to the empowerment of Nari Shakti in India.

As India becomes the 3rd largest startup ecosystem in the world, Delhi is also contributing significantly towards this development. Today over 13,000 DPIIT-recognised startups are functioning in Delhi even as the government is promoting self-employment through PM MUDRA Yojana with over 2.3 lakh loans sanctioned worth over Rs. 3,000 crore for FY2023-24 (as on 26.01.2024).

PM SVANidhi, which provides collateral free loans to street vendors, is supporting over 1.67 lakh beneficiaries in Delhi. Further, under the Aatmanirbhar Bharat Rozgar Yojana, launched in 2020 to incentivise employers for creation of new employment and restoration of loss of employment during Covid-19 pandemic, over 2.2 lakh employees benefitted in Delhi.

Further, nearly 30,000 houses have been sanctioned and completed in Delhi under PM Awas Yojana (Urban).

Air pollution has been a recurring problem for the people of Delhi. Conscious of this reality, the central government has launched the National Clean Air Programme as a national level strategy to reduce air pollution level across the country.

The Modi government's tenure over the last decade has brought about a remarkable transformation in Delhi across various fronts. From infrastructure development to governance reforms, from education to employment, the government's initiatives have left an indelible mark on the capital city. As Delhi continues on its journey of progress and development, the contributions of the Modi government are set to shape its future trajectory for years to come.