Table of Contents
Pillar 4 — RTI for Money & Schemes
In one line. When a government scheme promises money — Rs. 2,000 of PM-KISAN, Rs. 1.30 lakh of PMAY-G, Rs. 6,000 of pre-matric scholarship, Rs. 500 of widow pension — a trail of files, sanctions, PFMS transfers and beneficiary lists sits behind it. RTI gives every citizen access to that trail, in 30 days, for Rs. 10.
What you'll find.
- Tracker for central schemes (PM-KISAN, PMAY, Ayushman Bharat, scholarship).
- Tracker for state schemes (widow / old-age / disability pension, Ujjwala, Jal Jeevan Mission).
- Tracker for PF / EPS / pension flows.
- Generalised guide for any scheme not covered.
Did you know? Nearly 99% of central scheme payments since 2022 route through PFMS — the Public Financial Management System. Every payment has a unique UTR. A single RTI can extract that UTR, after which the bank has no way to deny the transfer.
Start here
Tracking public spending
- Track government spending in your area — budgets, tenders, audits.
- Track public projects — roads, bridges, housing, metros.
Specific money trails
- PM-KISAN — RTI to Dept of Agriculture & Farmers Welfare; state dept nodal officer.
- PMAY-G / PMAY-U — RTI to Ministry of Rural Development / MoHUA; district level DRDA / Urban Development Authority.
- NSAP (Old Age / Widow / Disability pension) — RTI to State Social Welfare Department.
- Ayushman Bharat — RTI to National Health Authority; State Health Agency.
- MGNREGA wages — RTI to Block Programme Officer (Rural Development).
- Ujjwala — RTI to Oil Marketing Company + Ministry of Petroleum.
- Scholarships (NSP / State) — RTI to Ministry of Social Justice / State Welfare Dept.
- Subsidies (LPG, fertiliser) — RTI to the concerned ministry / OMC.
- EPFO — regional-office specific RTI.
Use the detailed scheme-delay guide for the exact procedure for each.
The three-layer approach for money flows
- Layer 1. Implementing office (block, school, hospital, gram panchayat). They hold the sanction file.
- Layer 2. Sanctioning office (district / state department). They release the funds.
- Layer 3. PFMS / Treasury / Bank. They effect the transfer.
Start at Layer 1; escalate only if needed.
The five money-flow questions
Every good money RTI includes these five:
- Current status and officer holding the file.
- Sanction order copy (signed).
- PFMS UTR / Fund Transfer Order number.
- Bank branch and IFSC — where transfer was attempted.
- Reason for non-credit, with the clause of scheme guidelines.
If a system is really broken, these five questions make it visible.
Shared template
To, The Public Information Officer, [Department / Office for the Scheme], [Address] Subject: RTI Act, 2005 — non-receipt of benefit under [Scheme]. Sir/Madam, I, [Full Name], citizen of India, resident of [Full Address], submit this request: Scheme: ________ Beneficiary / Application ID: ________ Bank Account (last 4 digits): XXXX Aadhaar (last 4 digits): XXXX Financial Year: ________ Please provide: 1. Current status of my record under the scheme. 2. Sanction order with officer name. 3. PFMS UTR / FTO reference for each installment. 4. Bank IFSC where transfer was attempted; reason for rejection, if any. 5. If suspended / rejected, exact clause and officer name. 6. Aadhaar / NPCI seeding status. 7. Nodal officer for the scheme at district level. 8. FAA contact. I enclose Rs. 10 IPO, declaring I am an Indian citizen. Yours faithfully, [Name, signature, date]
How this pillar fits
Last reviewed on
21 April 2026.
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