Most cash benefits, such as PM-KISAN, pensions and scholarships, are paid by direct benefit transfer (DBT) into the beneficiary’s own bank account.
What needs to be in place
- A bank or post office account in your own name
- Aadhaar linked (“seeded”) to that account, with DBT enabled
- e-KYC completed for the scheme, where it is required
If the money does not arrive
- Check the payment status on the scheme’s own portal.
- Ask your bank which account your Aadhaar is mapped to for DBT. Payments go to the account most recently linked, which may be an old or unused one.
- Make sure the account is active and KYC at the bank is up to date.
- If the status shows a failure, visit the office that handles the scheme with your documents.
Opening an account
If you do not have an account, a zero-balance account can be opened under Pradhan Mantri Jan Dhan Yojana at any bank branch or with a bank correspondent.