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Prem Dayamani, a villager living 30 km from Ranchi, had an average income of Rs 27 a day last year. That's Rs 5 less than the minimum cost of living in rural areas, which, the Planning Commission said in 2014, was Rs 32 a day. Even so, part of the payment was only on paper. Last year, she got nothing. "I got last year's money this year. Had I received it last year, it would have been of some use," said Dayamani, whose husband is paralysed and a son works as a construction worker in a family of five.