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RAS question

A CAG audit of the Pradhan Mantri Kaushal Vikas Yojana (PMKVY) revealed that what percentage of beneficiaries had blank, zero, Null or N/A bank-account details?

Correct answer: (C) 94-95%.

The CAG audit of PMKVY found that 94.53% of PMKVY 2.0 and 3.0 participants had bank-account details recorded as zeros, Null, N/A or blank.

  1. (A)

    45-50%

  2. (B)

    70-75%

  3. (C)

    94-95%

  4. (D)

    30-35%

Explanation

The answer is 94-95% because the CAG’s performance audit says the Skill India Portal required candidates’ contact and bank-account details, and PMKVY guidelines required a valid bank account so that the scheme could make the ₹500 certified-candidate pay-out through Direct Benefit Transfer. In the PMKVY 2.0 and 3.0 dataset, however, the `bankAccountdetails` field was zero, Null, N/A or blank for 90,66,264 out of 95,90,801 participants, which works out to 94.53%. The audit also noted repeated and apparently wrong account numbers among the remaining records. That is why the issue is not a minor data-entry lapse; it goes to beneficiary identity, payout reliability and DBT assurance in a ₹10,194 crore public scheme.

Why the other options are wrong

  • (A) 45-50% understates the audit finding by roughly half; the CAG figure was 94.53% of PMKVY 2.0 and 3.0 participants.
  • (B) 70-75% is still below the CAG’s reported share, which was 90,66,264 of 95,90,801 participants, or 94.53%.
  • (D) 30-35% would suggest a limited data-quality problem, whereas the audit found blank, zero, Null or N/A bank-account details in almost the entire dataset.

Concept

This tests audit-based governance and DBT control, especially how weak beneficiary data can undermine accountability in welfare and skill-development schemes. It recurs in RAS because CAG reports often supply evidence for questions on public finance, implementation gaps and institutional oversight.

Source

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