UPSC MainsGENERAL-STUDIES-PAPER-IV202510 Marks150 Words
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Q11.

Ensuring Accountability in Economic Growth

India is an emerging economic power of the world as it has recently secured the status of fourth largest economy of the world as per IMF projection. However, it has been observed that in some sectors, allocated funds remain either under-utilised or misutilised. What specific measures would you recommend for ensuring accountability in this regard to stop leakages and gaining the status of third largest economy of the world in near future?

How to Approach

The approach should involve acknowledging India's economic ascent and the paradox of fund underutilization/misutilization. The answer should then propose specific, actionable measures categorized under ethical governance, technological interventions, and institutional reforms to enhance accountability and curb leakages. Finally, it should link these measures to the broader goal of achieving the third-largest economy status. Structure with an introduction, body (with subheadings for clarity), and a forward-looking conclusion.

Model Answer

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Introduction

India's journey as an economic powerhouse is marked by significant strides, recently achieving the status of the fourth-largest economy globally (IMF, 2025 data), with projections indicating strong growth at 6.6% for 2025-26. This impressive growth trajectory, however, faces impediments from persistent challenges such as under-utilisation and misutilisation of allocated public funds across various sectors. Such leakages not only undermine effective governance and public trust but also hinder the nation's progress towards its ambitious goal of becoming the third-largest economy. Addressing these issues through robust accountability mechanisms is paramount for sustainable and inclusive development.

Ensuring accountability in public fund management is crucial to stop leakages and propel India towards becoming the third-largest economy. This requires a multi-faceted approach encompassing governance reforms, technological leveraging, and institutional strengthening.

1. Enhancing Transparency and Digital Governance

  • Public Financial Management System (PFMS): Strengthening the PFMS (launched 2009) to ensure real-time tracking of funds from allocation to expenditure at all levels. Its integration with Direct Benefit Transfer (DBT) has significantly reduced leakages by enabling direct payments to beneficiaries.
  • Open Data and Dashboards: Implementing mandatory public dashboards for all major schemes, displaying budget allocations, expenditures, and outcomes in real-time. This promotes citizen oversight and demands accountability.
  • Geospatial Technology: Utilizing GIS for monitoring project implementation, especially in infrastructure and rural development schemes, to ensure physical verification of works against funds released.

2. Strengthening Audit and Oversight Mechanisms

  • Empowering the Comptroller and Auditor General (CAG): Reinforcing the independence and capacity of the CAG (Article 148 of the Constitution) to conduct performance and forensic audits. Timely submission and action on CAG reports are essential.
  • Role of Parliamentary Committees: Strengthening the Public Accounts Committee (PAC) and other legislative committees to rigorously scrutinize audit reports and hold the executive accountable for financial irregularities.
  • Internal Audit Systems: Mandating and professionalizing internal audit units within ministries and departments to conduct regular checks and identify potential leakages proactively.

3. Institutional and Administrative Reforms

  • Capacity Building: Investing in training and capacity building for government officials at all levels in financial management, project implementation, and ethical governance.
  • Streamlined Fund Flow: Simplifying and rationalizing complex fund flow mechanisms, especially in centrally sponsored schemes, to reduce delays and bureaucratic hurdles (e.g., through Single Nodal Agency system).
  • Performance-Based Budgeting: Shifting towards outcome-based budgeting where fund releases are linked to tangible progress and achievement of predefined targets, rather than mere expenditure.
  • Whistleblower Protection: Implementing robust mechanisms to protect whistleblowers who report corruption and fund misuse, encouraging greater transparency from within.

4. Ethical Governance and Public Participation

  • Code of Conduct and Ethics: Strict enforcement of a code of conduct for public servants, promoting integrity and accountability. Regular ethics training and strong punitive measures against corruption.
  • Social Audits: Encouraging and facilitating social audits, particularly in rural development and welfare schemes, allowing community members to scrutinize expenditures and implementation.
  • Citizen Charters: Mandating citizen charters for government services, clearly outlining service standards, timelines, and grievance redressal mechanisms.

5. Legal and Regulatory Framework

  • Anti-Corruption Laws: Strengthening existing anti-corruption laws like the Prevention of Corruption Act, 1988, and ensuring speedy trials and convictions.
  • National Financial Reporting Authority (NFRA): Empowering NFRA (established 2018) to monitor and enforce compliance with accounting and auditing standards for public entities beyond just companies.

Conclusion

The aspiration to become the world's third-largest economy demands not just robust economic policies but also impeccable financial governance. Addressing the challenges of fund under-utilization and misutilisation through enhanced accountability, digital transparency, and institutional reforms is critical. By fostering an environment of integrity, efficiency, and public trust, India can significantly reduce leakages, optimize resource allocation, and accelerate its growth trajectory towards achieving its economic potential and ensuring inclusive development for all its citizens.

Answer Length

This is a comprehensive model answer for learning purposes and may exceed the word limit. In the exam, always adhere to the prescribed word count.

Additional Resources

Key Definitions

Fund Underutilization
Fund underutilization refers to the situation where allocated financial resources for a specific project or scheme are not fully spent within the stipulated timeframe, often due to implementation delays, bureaucratic hurdles, or lack of capacity.
Public Financial Management System (PFMS)
PFMS is a web-based online software application developed by the Controller General of Accounts, Ministry of Finance, Government of India, for tracking funds released under government schemes and real-time expenditure reporting, crucial for transparency and accountability.

Key Statistics

As per IMF data (October 2025), India is projected to be the 4th largest economy globally. The IMF projects India's economy to grow at 6.6% in 2025-26.

Source: IMF World Economic Outlook (October 2025), IBEF

According to the Union Budget 2025-26, nearly ₹1 lakh crore earmarked for centrally sponsored schemes was lying idle in state single nodal agency accounts, with five key schemes accounting for nearly 45% of unutilised funds.

Source: Union Budget 2025-26, Policy Circle (Feb 2025)

Examples

Direct Benefit Transfer (DBT)

The DBT mechanism, leveraging Aadhaar, Jan Dhan bank accounts, and mobile technology (JAM Trinity), has significantly reduced leakages in welfare schemes like LPG subsidies (PAHAL scheme) and pensions by directly transferring funds to beneficiaries' accounts, thus cutting out intermediaries.

Comptroller and Auditor General (CAG) Reports

The CAG, a constitutional authority, regularly conducts audits of government expenditures. Landmark cases like Vineet Narain v. Union of India (1998) have highlighted the CAG's vital role in exposing corruption and ensuring transparency, reinforcing its position as a watchdog against misuse of public funds.

Frequently Asked Questions

What are the primary reasons for fund underutilization in Indian government schemes?

Primary reasons include delays in state proposals and approvals, non-readiness of state machinery, technical issues with new accounting systems (like unmapped Single Nodal Agency accounts), slow tendering processes, capacity constraints, staff shortages, non-submission of utilization certificates, and on-ground execution challenges.

Topics Covered

EconomyEthicsGovernanceEconomic GrowthAccountabilityFund UtilizationLeakagesPublic Finance