The government's much-hyped Direct Benefit Transfer programme has hit a roadblock. Banks have failed to meet the huge demand for opening accounts for welfare cash transfer. This threatens to derail the welfare delivery programme and the country's mega plan of financial inclusion. Jitendra pores over government files and travels to Madhya Pradesh to analyse the crisis. Alok Gupta reports from Jharkhand, Aparna Pallavi from Maharashtra and M Suchitra from Hyderabad