-The Hindu Banks continue denying loans to low-income groups, insisting on sticking to a standard EMI route even though they are dealing with a complex social issue. In July 2012, Pradeep Kumar, a 36-year-old resident of Ladpur, a shanty town that sits on the north-western periphery of Delhi, applied for an employment loan at the magistrate’s office in Kanjawala district. Under the Pradhan Mantri Rozgar Yojana or PMRY — a funding policy...

-The Indian Express The SC directive that Aadhaar can’t be made mandatory for any service — which the government can’t oppose until Aadhaar gets legal validity — has complicated the issue. On January 1, 2013, the Congress-led UPA government launched the Direct Benefits Transfer scheme, centred around the Aadhaar project begun a few years earlier. Teething troubles and implementation bottlenecks followed, the interest of the outgoing dispensation waned, and both Aadhaar...

It is difficult for a person to get aadhaar card/number if s/he does not have pre-existing proofs of identity and address. It has been revealed from a reply to RTI application that only 2.19 lakh aadhaar numbers have been issued to people who did not have any other prior Identity proof, which is just 0.03% of total aadhaar numbers generated so far. The RTI reply dated 28 April, 2015 by the Unique...

-The Telegraph Bangalore: Six years ago, a 16-year-old Revanna M had missed a chance to travel to France for football training because, as an orphan, he didn't have the documents to obtain a passport. Memories of that heartbreak returned to haunt him last summer when he was chosen by an NGO as one of six underprivileged youths to visit Brazil during the football World Cup. Again, a passport seemed elusive for Revanna,...

-Economic and Political Weekly Direct benefi t transfers in the form of cash cannot replace the supply of food through the public distribution system. Though it is claimed otherwise, DBT does not address the problems of identifying the poor ("targeting") and DBT in place of the PDS will expose the vulnerable to additional price fluctuation. Further, if the PDS is dismantled, there will also be no need or incentive for procurement...