Aadhaar Payment Bridge System (APBS) & Direct Benefit Transfer (DBT)

Direct Benefit Transfer Program helps transfer subsidies directly to the bank account of the people. Benefits from Govt. Aadhaar Payments Bridge System (APBS) is used for crediting DBT transactions for Government/ Government agency disbursements.


  1. Aadhaar Payment Bridge (APB) System one of the unique payment system implemented by NPCI, uses Aadhaar number as a central key for electronically channelizing the Government benefits and subsidies in the Aadhaar Enabled Bank Accounts (AEBA) of the intended beneficiaries. In order to receive subsidies in a person's bank account, his/her Aadhaar Number has to be linked to the account.
  2. DBT aims to transfer subsidies directly to the people through their bank accounts. Crediting of subsidies directly into bank accounts will reduce the leakages and delays in the disbursement of all government transactions.