JAM Trinity (Jandhan Aadhar Mobile)

JAM Trinity refers to the integration of Jan Dhan Yojana, Aadhaar and Mobile number to enforce direct benefit transfers (DBT) on a large scale. A combination of these three elements is seen as the pathway to implementing large-scale direct benefit transfers in India

JAM Trinity

JAM Trinity

The Pradhan Mantri Jan Dhan Yojana was launched in 2014 to provide basic financial services like savings bank account, remittance facilities, insurance and pension to the underprivileged sections of society by leveraging technology. JAM has way helped reduce leakages and provided the government with more fiscal bandwidth.  Aadhaar numbers are being  seeded  or  linked  with  Jan  Dhan  accounts  so that  the  benefits  (MNREGA payment,  subsidies, scholarships, pension  etc)  can  be  directly transferred to the beneficiary or  the last person. This has resulted in preventing the  leakage  in  the  payment  system.

Jan Dhan Yojana

Pradhan Mantri Jan Dhan Yojana (PMJDY) is a national mission for financial inclusion in India, which encompasses an integrated approach to bring about comprehensive financial inclusion of all the households in the country. It helps the citizens with universal access to banking facilities with at least one basic banking account for every household, financial literacy, access to credit, insurance and pension facility. The government also provides RuPay debit cards to the beneficiaries which has an in-built accident insurance cover of INR 1,00,000.


The Unique Identification Authority of India (UIDAI) is a program started by the central government in 2009 in India with an objective to provide a 12-digit unique identity number called Aadhaar to each citizen. This number is mapped to the citizen’s biometrics and demographic data. As on August 2016, the program has issued more than 1 billion Aadhaar cards to the Indian citizens


Mobile has become an integral part of life for almost everyone in the last decade. The evolution in communication technology is not only making life easier for the end users but also provides millions of opportunities for the government to connect to the citizens and provide better governance. Currently India is the 2nd largest telecom market in the world with 1.05 billion subscribers out of which 1.03 billion use wireless means to communicate

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