Direct Benefit Transfer (DBT) is a secure government system used to send health welfare payments, treatment assistance, reimbursements, and incentive-linked medical support directly into a beneficiary’s Aadhaar-linked bank account. The payment is routed through the NPCI Aadhaar Payment Bridge System (APBS), making Aadhaar seeding, bank KYC, and correct profile details essential for successful credit.
Types of DBT Health Payments in India
DBT may include:
- Treatment reimbursements under state health insurance programs
- Medical assistance transfers for dialysis, cancer, and chronic disease care in select states
- Maternity benefit payments (linked to health welfare DBT frameworks)
- COVID-era medical assistance payouts routed through DBT architecture
- Insurance claim-linked transfers approved in hospital or state health systems
- Incentive payments for specific health welfare beneficiaries
Mandatory Requirements for DBT Health Payment Credit
Beneficiaries must ensure the following:
- Aadhaar is linked to the scheme beneficiary profile
- Aadhaar is seeded to the bank account receiving DBT
- Aadhaar is mapped in NPCI APBS for payment routing
- Bank account is KYC verified and active
- Name spelling and Date of Birth match Aadhaar exactly
- Mobile number registered in Aadhaar is active for OTP authentication
- Claim or pre-authorization is submitted by hospital or State Health Agency (where applicable)
Official Portals for DBT Health Payment Tracking
Citizens can verify DBT health payment status through these official sources:
- PM-JAY Beneficiary Portal (KYC & Payment Linked Authentication): https://beneficiary.nha.gov.in
- DBT Bharat Mission (Benefit Tracking & Scheme Integration): https://dbtbharat.gov.in
- NPCI Aadhaar Payment Bridge System Overview (APBS Routing Framework): https://www.npci.org.in/what-we-do/aeps/product-overview
- UIDAI Aadhaar Update & Verification Services: https://uidai.gov.in
- Common Service Centers (Assisted DBT Health Payment Support & KYC Help): https://csc.gov.in
- State Health Agencies (State DBT Medical Transfers & Payment Grievance Redirection): https://nha.gov.in/state-health-agencies
- National Health Authority (Policy, Payment Complaints & Citizen Support): https://nha.gov.in
How to Track DBT Health Payments (Step-by-Step)
- Login to your scheme beneficiary dashboard
- Use mobile OTP or Aadhaar login on PM-JAY or state scheme portal
- Open Payment Status / Transaction History / DBT Credit Section
- Verify Aadhaar-Bank seeding
- Confirm via bank passbook, mobile banking app, or branch
- Confirm NPCI APBS Mapping
- Understand routing system: https://www.npci.org.in/what-we-do/aeps/product-overview
- Check credit entry in bank passbook
- DBT will reflect under beneficiary name or scheme tag
How to Fix DBT Health Payment Failures
If payment shows Pending / Failed / Not Credited, apply these corrections:
- Aadhaar Not Seeded to Bank: Visit your bank branch and request Aadhaar DBT seeding
- Bank KYC Not Complete: Submit KYC update at bank
- NPCI Mapping Not Active: Ask bank to enable Aadhaar for NPCI APBS DBT routing
- Wrong Bank Details in Scheme: Update on scheme dashboard under Update Bank/DBT Profile
- Name Mismatch: Correct spelling in Aadhaar or bank KYC
- Mobile OTP Issues: Update mobile on UIDAI or do biometric KYC at CSC
- Claim Not Pushed by Hospital/SHA: Contact Ayushman Mitra or State Health Agency desk
How to Link Aadhaar to Bank for DBT
Offline Bank Method
- Visit your bank branch
- Carry Aadhaar original + photocopy
- Request Aadhaar seeding for DBT / NPCI APBS activation
- Update KYC if required
Online Bank Method (if supported)
- Login to mobile/internet banking
- Go to Service Requests / Aadhaar Update / DBT Linking
- Verify via OTP and save
Update Aadhaar Details if eKYC or DBT Fails
If demographic details do not match or OTP fails:
Update only on the official UIDAI portal:
https://uidai.gov.in
Where to File DBT Health Payment Grievances
- Ayushman Bharat Payment Complaints: 14555 Toll Free
Or via: https://beneficiary.nha.gov.in - National Health Authority Grievance Support: https://nha.gov.in
- State Payment Issues (State Health Agency Contact Directory): https://nha.gov.in/state-health-agencies
- Assisted Grievance Filing via CSC: https://csc.gov.in
- Check DBT Complaint Redirection & Scheme Support: https://dbtbharat.gov.in
Common DBT Problems & Quick Solutions
| Problem | Best Solution |
|---|---|
| DBT Failed | Activate Aadhaar-Bank-NPCI mapping via bank |
| Pending Credit | Check if claim submitted by hospital/SHA |
| Not Credited | Confirm Aadhaar seeded to bank |
| Wrong Account | Update DBT bank details on scheme portal |
| OTP Not Coming | Update mobile on UIDAI or biometric at CSC |
| Name Mismatch | Correct Aadhaar or bank KYC spelling |
| Hospital Not Pushing Claim | Contact Ayushman Mitra desk |
Important Notes for Citizens
- DBT payments are not delivered manually, they are routed digitally through Aadhaar identity
- A beneficiary can have Aadhaar linked to only one NPCI-mapped DBT bank account at a time
- Even in emergencies, Aadhaar + Health Card should be carried for faster authentication
- Always keep bank passbook printed or updated to cross-verify credits