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    <title>Wiping Every Tear from Every Eye: The Jan Dhan Yojana, Aadhaar and Mobile Numbers Provide the Solution</title>
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    <description>The memorandum argues that many price subsidies are regressive and leak-prone, and recommends converting subsidies into Direct Benefit Transfers using the JAM Number Trinity-Jan Dhan accounts, Aadhaar and mobile numbers-to improve targeting and reduce leakage through delivery channels such as mobile money and Aadhaar-linked post office accounts.</description>
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