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    <title>A Decade of Unconditional Cash Transfers: India’s Welfare Spending Hits ?2.8 Lakh Crore, now 0.9% of GDP</title>
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    <description>Unconditional cash transfers have transitioned into a central component of welfare delivery, shifting from episodic crisis responses to regular, monthly payments emphasising financial stability and gender-targeted support. The report flags fragmented scheme architecture, exclusions of marginalised groups, and benefit inadequacy, and proposes a national consolidation exercise, a harmonising policy framework, strengthened data ecosystems for inclusion and portability, institutionalised impact evaluation, and participatory design and grievance mechanisms to reposition cash transfers as complementary to public goods and as tools for long-term empowerment.</description>
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