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Pillar 4 — RTI for Money & Schemes

Quick Reply: Pillar hub — the Right to Information Act, 2005, for money and welfare schemes. PM-KISAN, PMAY, NSAP pensions, scholarships, EPFO, DBT — every sanction, every UTR.

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

Also on RTI Wiki: RTI for your business · Filing RTI from abroad (NRI guide)

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

Personal file (passport, PF) → Pillar 1.
Community spending or projects → Pillar 2.
Student / scholarship → Pillar 3.
Learn the Act → Pillar 5.

Last reviewed on: 21 April 2026 — RTI Wiki editorial team.. Last reviewed: 24 April 2026.

rti, schemes, money, subsidy, pillar

Sprint 2 additions — scheme & entitlement RTI

Sprint 3 additions — schemes & subsidies

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