impact of real estate regulation act or rera is clearly visible in curbing black money transactions in real estate sector and protecting the interests of the customers providing huge relief to the middle class families64 insolvency and bankruptcy code is among the biggest and most impactful economic reforms undertaken in the country with the coming into force of this code banks and other financial institutions have been able to settle directly or indirectly an amount of more than rs 3 lakh 50 thousand crore this code has also curbed the tendency of wilfully defaulting on loans taken from banks and other financial institutions65 under the direct benefit transfer funds from more than400 schemes are being directly credited into the accounts of beneficiaries during the last five years rs 7 lakh 30 thousand crore have been transferred through dbt so far not only has dbt prevented rs 1 lakh 41 thousand crore from falling into wrong hands but it has also enabled deletion of names of about 8 crore ineligible beneficiaries dbt will be further expanded in the coming days i would urge the state governments to use dbt in more and more schemeshonourable members66 infrastructure will play an important role in ushering in a prosperous india my governments continuous endeavour has been to build infrastructure in an ecofriendly manner along with concrete greenery has been made an integral part of the highway and expressway projects for supply of electricity optimal utilisation of solar energy is being stressed household and industrial wastes are also being used in road construction67 in the 21st century economy the pace and spread of urbanization will continue to increase development of urban infrastructure in cities and suburbs will pave the way for economic progress and enhance employment opportunities my government is tirelessly working for a modern india by providing worldclass infrastructure and public amenities in villages as well as cities special emphasis is being accorded to improving connectivity in the northeast hilly and tribal areas in addition to increasing the ease of living of citizens in the northeast tourism agriculture and other allied sectors will also benefit from better connectivity effective steps are being taken to expand organic farming in the northeast68 under the bharatmala project construction or upgradation of about 35000 kilometers of national highways is to be undertaken by 2022 in addition under the sagarmala project a network of good quality roads is being constructed in coastal areas and areas adjoining ports 69 along with the highways government is also working extensively in the area of railways airways and inland waterways under the udan scheme air connectivity to smaller towns is being expanded rapidly 70 urban transport infrastructure is being created to cater to present and future requirements while developing infrastructure attention is also being given to addressing the challenges posed by pollution my government is developing a transport system which is not only fast and safe but is also environment friendly for this special emphasis is given to public transport metro rail network