An exploratory study on the adoption of social security programmes and
direct money benefits to the marginalised in helping them achieve the
minimum standards of livelihood. Case study of schemes that have been
adopted by the government of India in recent years

Saina Singh

doi:10.46609/IJSSER.2026.v11i05.020

Title: An exploratory study on the adoption of social security programmes and direct money benefits to the marginalised in helping them achieve the minimum standards of livelihood. Case study of schemes that have been adopted by the government of India in recent years
Authors: Saina Singh
Journal: International Journal of Social Science and Economic Research (IJSSER) ISSN: 2455-8834 Volume: 11 Issue: 5 Publication Date: May 2026 DOI: 10.46609/IJSSER.2026.v11i05.020
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Saina Singh heritage xperiential learning school
MLA 8 Singh, Saina. "An exploratory study on the adoption of social security programmes and direct money benefits to the marginalised in helping them achieve the minimum standards of livelihood. Case study of schemes that have been adopted by the government of India in recent years." Int. j. of Social Science and Economic Research, vol. 11, no. 5, May 2026, pp. 2144-2158, doi.org/10.46609/IJSSER.2026.v11i05.020. Accessed May 2026. APA 6 Singh, S. (2026, May). An exploratory study on the adoption of social security programmes and direct money benefits to the marginalised in helping them achieve the minimum standards of livelihood. Case study of schemes that have been adopted by the government of India in recent years. Int. j. of Social Science and Economic Research, 11(5), 2144-2158. Retrieved from https://doi.org/10.46609/IJSSER.2026.v11i05.020 Chicago Singh, Saina. "An exploratory study on the adoption of social security programmes and direct money benefits to the marginalised in helping them achieve the minimum standards of livelihood. Case study of schemes that have been adopted by the government of India in recent years." Int. j. of Social Science and Economic Research 11, no. 5 (May 2026), 2144-2158. Accessed May, 2026. https://doi.org/10.46609/IJSSER.2026.v11i05.020.
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ABSTRACT: Despite significant economic growth, poverty and inequality persist in India, particularly among marginalised populations. In response, the government has introduced various social security programmes such as MGNREGA, PMJDY, and PMAY to improve income security, financial inclusion, and living standards. This paper analyses the effectiveness of these schemes in enhancing earning capacity and promoting long-term economic independence. Using a mixedmethod approach based on secondary data and qualitative analysis, the study finds that structured programmes like MGNREGA have contributed to poverty reduction, wage stability, and increased labour participation. Similarly, financial inclusion and housing schemes have improved access to resources and overall well-being, though their impact varies across regions. The paper also highlights concerns regarding the growing trend of election-driven “freebies,” which may undermine fiscal sustainability and long-term development. It concludes that welfare policies should prioritise skill development, employment generation, and entrepreneurship to ensure sustainable and inclusive growth.

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