Proceedings of the 1st Engineering Data Analytics and Management Conference (EAMCON 2025)

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The Synergy of AI and UPI in Smart Subsidy Disbursement: A Case Study on PM-KISAN Scheme

Authors
N. S. Swapna1, *, Kanthimathinathan2
1Research Scholar, School of Management, CMR University, Bengaluru, India
2Associate Professor, School of Management, CMR University, Bengaluru, India
*Corresponding author. Email: swapna.ns@cmr.edu.in
Corresponding Author
N. S. Swapna
Available Online 31 December 2025.
DOI
10.2991/978-94-6463-978-0_4How to use a DOI?
Keywords
Artificial Intelligence; Unified Payments Interface; PM-KISAN Scheme; Government Scheme
Abstract

This case study presents the potential of integrating the concept of Artificial Intelligence (AI) and the Unified Payments Interfaces (UPI) to make government subsidy transfer in India more efficient and transparent. Our article addresses the Pradhan Mantri Kisan Samman Nidhi (PM-KISAN) scheme, in which information is sourced entirely from secondary sources to examine how AI-based data verification, fraud detection, and beneficiary monitoring are supplementing the real-time UPI payment system. In our study, we discovered that the coordinated application of these digital technologies has led to advised fund disbursement, reduced dependence, and financial inclusion.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 1st Engineering Data Analytics and Management Conference (EAMCON 2025)
Series
Advances in Engineering Research
Publication Date
31 December 2025
ISBN
978-94-6463-978-0
ISSN
2352-5401
DOI
10.2991/978-94-6463-978-0_4How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - N. S. Swapna
AU  - Kanthimathinathan
PY  - 2025
DA  - 2025/12/31
TI  - The Synergy of AI and UPI in Smart Subsidy Disbursement: A Case Study on PM-KISAN Scheme
BT  - Proceedings of the 1st Engineering Data Analytics and Management Conference (EAMCON 2025)
PB  - Atlantis Press
SP  - 30
EP  - 38
SN  - 2352-5401
UR  - https://doi.org/10.2991/978-94-6463-978-0_4
DO  - 10.2991/978-94-6463-978-0_4
ID  - Swapna2025
ER  -