What is JAM?JAM stands for three things theJan Dhan Yojana, theAadhaar initiative of UIDAI andMobile number. These three things are now often called the Trinity of reforms in India. The JAM Trinity holds the key to one of the biggest pieces of reform ever attempted in India, i.e., direct subsidy transfers. The NDA government is pinning its hopes on these three modes of identification ((JAM) to deliver direct benefits to Indias poor.