♤ Helped in inclusive growth

o Focus on rural India- Of 35.70 crore account holders, those from rural & semi-urban regions are 21 crore.

o Women empowerment- Around 18.88 crore account holders are women.

♤ Direct benefit transfer- data submitted by the government to Parliament shows that 23 per cent of these accounts received direct benefit transfers as on August 2018.

♤ Plugging Leakages from Subsidy: According to the Economic Survey for 2015-16 leakages in LPG subsidy transfers fell 24% and the exclusion of beneficiaries had been greatly reduced, due to banking infrastructure created by the combination named as JAM trinity.