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  IJCRT Search Xplore - Search all paper by Paper Name , Author Name, and Title

Volume 13 | Issue 11

Volume 13 | Issue 11 | Month  
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  Paper Title: FLOATING MICROSPHERES REVIEW ARTICLE

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT2511010

  Your Paper Publication Details:

  Published Paper ID: - IJCRT2511010

  Register Paper ID - 295670

  Title: FLOATING MICROSPHERES REVIEW ARTICLE

  Author Name(s): Monali Damodhar Sherkure, Dr. Suhas Sakarkar

 Publisher Journal name: IJCRT

 Volume: 13

 Issue: 11

 Pages: a88-a95

 Year: November 2025

 Downloads: 96

 Abstract

Floating drug delivery systems (FDDS) have a bulk density less than gastric fluids and so remain buoyant in the stomach without affecting gastric emptying rate for a prolonged period of time. While the system is floating on the gastric contents, the drug is released slowly at the desired rate from the system. After release of drug, the residual system is emptied from the stomach. This results in an increased GRT and a better control of the fluctuations in plasma drug concentration. FDDS can be divided into non-effervescent and gas-generating system. The floating microspheres (Hollow Microspheres) are the gastro-retentive drug delivery systems based on non-effervescent approach. Hollow microspheres are in strict sense, spherical empty particles without core, free flowing powders consisting of proteins or synthetic polymers, ideally having a size in the range 1-1000 micro meter. Gastro-retentive floating microspheres are low-density systems that have sufficient buoyancy to float over gastric contents and remain in stomach for prolonged period. The drug is released slowly at desired rate resulting in increased gastric retention with reduced fluctuations in plasma drug concentration.


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Microsphere, Gastro retentive, Hydrogels, Floating drug delivery system.

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  Paper Title: PRESERVING ELECTORAL INTEGRITY IN THE AGE OF ARTIFICIAL INTELLIGENCE: LEGAL AND ETHICAL CHALLENGES IN REGULATING AI- DRIVEN CAMPAIGN PRACTICES.

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT2511009

  Your Paper Publication Details:

  Published Paper ID: - IJCRT2511009

  Register Paper ID - 295839

  Title: PRESERVING ELECTORAL INTEGRITY IN THE AGE OF ARTIFICIAL INTELLIGENCE: LEGAL AND ETHICAL CHALLENGES IN REGULATING AI- DRIVEN CAMPAIGN PRACTICES.

  Author Name(s): Lakshika Negi, Dr. Shailja Thakur

 Publisher Journal name: IJCRT

 Volume: 13

 Issue: 11

 Pages: a66-a87

 Year: November 2025

 Downloads: 87

 Abstract

This paper provides a comprehensive legal and ethical analysis of the integration of Artificial Intelligence (AI) into modern political campaigning. It examines the dualistic role of AI, which simultaneously offers unprecedented tools for voter engagement and campaign efficiency while posing significant threats to democratic integrity through the proliferation of disinformation, deepfakes, and invasive micro targeting. The paper conducts a comparative analysis of regulatory frameworks, contrasting the proactive, advisory-led approach of the Election Commission of India (ECI) with the comprehensive, rights-based EU AI Act and the fragmented, disclosure-focused legislation in the United States. Through an examination of key case laws, including the Cambridge Analytical scandal and incidents from the 2024 Indian general election, the paper identifies core challenges in regulation, such as the "pacing problem" of law versus technology and the tension between curbing harmful content and protecting free speech. The paper concludes by offering a multi-stakeholder framework of recommendations, advocating for amendments to existing Indian laws (the Representation of the People Act, 1951, and the Information Technology Act, 2000), mandating algorithmic and financial transparency, prohibiting specific malicious AI applications, and investing in public digital literacy to foster a resilient electorate.


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Artificial intelligence, technology, election, deepfake, campaigns, politics

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  Paper Title: A Study of Institutional and Psychosocial Factors in Accessing Academic Efficacy among Prostitutes' Children

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT2511008

  Your Paper Publication Details:

  Published Paper ID: - IJCRT2511008

  Register Paper ID - 295843

  Title: A STUDY OF INSTITUTIONAL AND PSYCHOSOCIAL FACTORS IN ACCESSING ACADEMIC EFFICACY AMONG PROSTITUTES' CHILDREN

  Author Name(s): Shyamdas Gond, M.T.V. Nagaraju

 Publisher Journal name: IJCRT

 Volume: 13

 Issue: 11

 Pages: a55-a65

 Year: November 2025

 Downloads: 105

 Abstract

The research, entitled "A Study of Institutional and Psychosocial Factors in Accessing Academic Status among Prostitutes' Children", was done to study the correlation between institutional and psychosocial factors and academic efficacy of the children of prostitutes. A descriptive-correlational research design was employed, and the sample consisted of 120 students from NGO-operated residential and government schools within Nagpur District, Maharashtra. Academic status, parental attitude, socioeconomic status, school environment, and teacher support were measured using standardized tools. The data were analyzed using descriptive statistics, Pearson correlation, t-tests, and ANOVA. The findings suggest a strong and positive correlation between academic efficacy and school environment, teacher support, parental attitudes, and socio-economic status. There was no significant difference in academic efficacy in relation to gender, but a significant difference was observed in relation to the different types of institutions, with students in NGO-run schools demonstrating higher academic efficacy. This research provides empirical evidence on institutional and psychosocial aspects which was related to academic efficacy and the necessity of inclusive educational methods for marginalized learners.


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Academic efficacy, prostitutes' children, school environment, psychosocial factors, inclusive education

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  Paper Title: A Case Report On Surgical Reconstruction Of Pilonidal Sinus (Nadi Vrana) Defects Using Rhomboid Flap

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT2511007

  Your Paper Publication Details:

  Published Paper ID: - IJCRT2511007

  Register Paper ID - 295825

  Title: A CASE REPORT ON SURGICAL RECONSTRUCTION OF PILONIDAL SINUS (NADI VRANA) DEFECTS USING RHOMBOID FLAP

  Author Name(s): Dr. Bharat K. Oza, Dr. Shweta M. Zoting, Dr. Madhavi S. Banarase

 Publisher Journal name: IJCRT

 Volume: 13

 Issue: 11

 Pages: a49-a54

 Year: November 2025

 Downloads: 123

 Abstract

Pilonidal sinus disease is a chronic granulomatous condition characterized by the presence of hair embedded within the subcutaneous tissue, leading to persistent infection and inflammation. The condition is often described as nests of hair due to its pathognomonic appearance . In classical Ayurvedic literature, Shalyaj Nadi Vrana described in the Sushruta Samhita bears a close resemblance to pilonidal sinus in both clinical presentation and management approach. Conventional surgical management typically involves excision of the sinus tract followed by primary closure however, this method carries a considerable risk of postoperative wound infection, delayed healing, and recurrence, often resulting in prolonged hospitalization . In contrast, rhomboid flap reconstruction has been shown to minimize recurrence rates and postoperative complications while enabling faster recovery and improved wound healing. This is case report of 20 years old male patient complaint of painful swelling at intergluteal cleft since 4 month and Blood stain pus discharge from lesion since 4 month with fever on& off & difficulty in sitting. Patient not given any previous history of surgical intervention. This patient underwent Rhomboid flap reconstructive procedure. Patient wound was healed primarily with minimal scarring and less postoperative pain, no flap necrosis, no seroma formation .


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Pilonidal sinus , Rhomboid Flap Reconstruction ,Shalyaj Nadivrana

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  Paper Title: The Impact of Globalization on the Food System-An Observation

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT2511006

  Your Paper Publication Details:

  Published Paper ID: - IJCRT2511006

  Register Paper ID - 295805

  Title: THE IMPACT OF GLOBALIZATION ON THE FOOD SYSTEM-AN OBSERVATION

  Author Name(s): Prof. Kunta Ailaiah, Ms. Kothuru Rajakumari

 Publisher Journal name: IJCRT

 Volume: 13

 Issue: 11

 Pages: a42-a48

 Year: November 2025

 Downloads: 91

 Abstract

Globalization has brought about profound changes in various sectors, including the food system, in an increasingly interconnected world. As nations and economies become more interdependent, food production, distribution and consumption have undergone significant transformations. This paper aims to explore the multifaceted impact of globalization on the food system, shedding light on both the positive and negative consequences that have emerged. Food globalization refers to the worldwide exchange and consumption of food products, resulting in a diverse and interconnected global food market. This phenomenon has been driven by advances in transportation, communication and trade policies, allowing culinary ingredients and dishes to cross borders and cultures. Food globalization describes the worldwide distribution and sharing of food products, culinary practices and food-related knowledge. As an essential aspect of globalization, it reflects how food products and practices cross international boundaries. This process influences cultural traditions, economic dynamics and nutritional choices, impacting both producers and consumers globally. Food globalization has historical roots in ancient trade routes such as the Silk Road and the Spice Routes. These ancient pathways facilitated the exchange of spices, grains and other food items among different civilizations. Today, advancements in transportation and communication continue to accelerate the spread of food products worldwide, increasing accessibility and variety for consumers everywhere.


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Globalization, trade policies, phenomenon, culinary ingredients, nutritional choices.

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  Paper Title: Rethinking Air Filtration: Health Risks And Environmental Concerns Of Fiberglass-Based HEPA Filters And Advantages Of Natural Sustainable Alternatives

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT2511005

  Your Paper Publication Details:

  Published Paper ID: - IJCRT2511005

  Register Paper ID - 295804

  Title: RETHINKING AIR FILTRATION: HEALTH RISKS AND ENVIRONMENTAL CONCERNS OF FIBERGLASS-BASED HEPA FILTERS AND ADVANTAGES OF NATURAL SUSTAINABLE ALTERNATIVES

  Author Name(s): ADARSH KUMAR, PRABHAT KUMAR

 Publisher Journal name: IJCRT

 Volume: 13

 Issue: 11

 Pages: a39-a41

 Year: November 2025

 Downloads: 118

 Abstract

HEPA (High-Efficiency Particulate Air) filters, primarily composed of borosilicate fiberglass fibers, offer high-efficiency filtration of airborne contaminants but pose latent health and environmental risks. This paper explores the potential health hazards of fiberglass particle release from HEPA filters, evidence from experimental studies and case reports associating fiberglass and silica dust with respiratory diseases like silicosis. It also addresses economic and environmental issues of cartridge disposal and replacement costs. The need for transitioning to natural fiber-based sustainable filters that offer safer, biodegradable, and cost-effective alternatives is underscored.


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Health Risks and Environmental Concerns of Fiberglass-Based HEPA Filters and Advantages of Natural Sustainable Alternatives

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  Paper Title: A study of the Moral Values of Adolescent Students

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT2511004

  Your Paper Publication Details:

  Published Paper ID: - IJCRT2511004

  Register Paper ID - 295700

  Title: A STUDY OF THE MORAL VALUES OF ADOLESCENT STUDENTS

  Author Name(s): Sonia Oscar Bombacha

 Publisher Journal name: IJCRT

 Volume: 13

 Issue: 11

 Pages: a31-a38

 Year: November 2025

 Downloads: 104

 Abstract

Moral values are central to shaping adolescents into ethical and responsible citizens. However, in today's rapidly changing world, exposure to social media, peer influence, and shifting family dynamics has led to increasing moral dilemmas among young learners. This study, based on Kohlberg's Theory of Moral Development, examined the moral reasoning of adolescent students with respect to grade and gender. Using a descriptive survey method, data were collected from 73 students of Grades VIII and IX through a validated rating scale aligned to Kohlberg's three levels of morality. Results revealed that students demonstrated the highest mean scores in post-conventional reasoning, followed by pre-conventional and conventional reasoning. Grade IX students showed significantly higher post-conventional reasoning than Grade VIII, reflecting developmental progression, while reliance on pre-conventional and conventional reasoning declined. Gender-wise, girls scored significantly higher at the pre-conventional level, but no significant differences were observed at the conventional and post-conventional levels. The findings highlight the importance of strengthening moral education during adolescence to nurture principled, value-driven decision-making in students.


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Moral Values, Adolescents, Kohlberg's Theory

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  Paper Title: Oral Disintegrating Film comprehensive review

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT2511003

  Your Paper Publication Details:

  Published Paper ID: - IJCRT2511003

  Register Paper ID - 294508

  Title: ORAL DISINTEGRATING FILM COMPREHENSIVE REVIEW

  Author Name(s): Mrunali Munindra kumbhare, Dr. Suhas Sakarkar

 Publisher Journal name: IJCRT

 Volume: 13

 Issue: 11

 Pages: a19-a30

 Year: November 2025

 Downloads: 119

 Abstract

Oral dissolving films (ODFs) are advanced oral dosage forms designed for application onto the buccal mucosa, offering both local and systemic therapeutic effects. These films are often preferred over conventional oral drug delivery systems due to their flexibility, ease of use, and improved patient comfort. ODFs leverage the bioadhesive properties of certain polymers, which, upon hydration, adhere to specific mucosal regions for prolonged periods. This allows them to bypass first-pass metabolism and enhance bioavailability. Additionally, they are self-administerable, cost-effective, and exhibit high patient compliance. Among the various techniques used for formulating ODFs, the solvent casting method is the most widely employed. Typically, hydrophilic polymers are combined with other excipients to create films that disintegrate rapidly, releasing the active pharmaceutical ingredients (APIs) within seconds. ODFs provide multiple advantages, including ease of access, simple administration and withdrawal, strong mucosal retention, low enzymatic degradation, cost-efficiency, and enhanced patient compliance. These attributes contribute to their growing potential for commercial and therapeutic application. This review focuses on the mechanism of action, advantages, formulation components, preparation methods, evaluation parameters, and currently marketed ODF products. It also discusses advancements in novel fast-dissolving technologies within this drug delivery platform.


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Solvent casting method, Rolling Method, flexible films, Compressed film based-systems, Mucoadhesive sustained release films

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  Paper Title: City Residents and Climate Change: A Study on Awareness, Knowledge and Action

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT2511002

  Your Paper Publication Details:

  Published Paper ID: - IJCRT2511002

  Register Paper ID - 295289

  Title: CITY RESIDENTS AND CLIMATE CHANGE: A STUDY ON AWARENESS, KNOWLEDGE AND ACTION

  Author Name(s): Rimjhim Hazarika, Dr. Sashi Kanta Saikia

 Publisher Journal name: IJCRT

 Volume: 13

 Issue: 11

 Pages: a13-a18

 Year: November 2025

 Downloads: 94

 Abstract

As urban centers continue to experience the direct and indirect impacts of climate change, understanding how city residents perceive and respond to these challenges is crucial for effective policy and community engagement. This study explores the levels of awareness, knowledge and climate-related actions among residents in selected municipal areas of Dibrugarh city. A random sampling method is used to collect information through a semi-structured interview schedule. Findings reveal a significant gap between climate change awareness and actionable knowledge with socio-economic status, education level. The study highlights the need for targeted communication strategies, community-based programs and inclusive urban policies to bridge the gap between concern and action. These insights are essential for fostering resilient urban communities capable of responding effectively to climate challenges.


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City residents, climate change, awareness, knowledge action

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  Paper Title: Seismic Analysis of Multi-Storey Building With Shear Wall and Floating Columns

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT2511001

  Your Paper Publication Details:

  Published Paper ID: - IJCRT2511001

  Register Paper ID - 295970

  Title: SEISMIC ANALYSIS OF MULTI-STOREY BUILDING WITH SHEAR WALL AND FLOATING COLUMNS

  Author Name(s): VELETI PREM KUMAR, Dr. K. Manjulavani

 Publisher Journal name: IJCRT

 Volume: 13

 Issue: 11

 Pages: a1-a12

 Year: November 2025

 Downloads: 101

 Abstract

Earthquakes are natural phenomena that generate intense ground motions, which can adversely impact structural systems. While mild tremors may not be perceptible to humans, stronger ones can cause serious structural damage. Shear walls are introduced in buildings to improve lateral stiffness, enhance ductility, minimise lateral displacements, and increase overall structural safety in seismic design. Controlling storey drift and lateral displacement is essential. Shear walls, which are vertical reinforced concrete (RC) elements extending from the foundation upwards, play a key role in resisting lateral seismic forces and limiting storey displacements. However, enclosing a building entirely with shear walls may negatively affect its architectural appearance. As a result, shear walls are typically positioned at selected locations, such as the sides or corners. In low-rise structures, bracing systems may be an option, but these are often unsuitable for taller buildings.


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Shear walls, lateral displacement, story drift, story shear, story bending, response spectrum, time history analysis.

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  Paper Title: Development of Microwave Assisted Nano Bio Composite for Stability Enhancement of Mefenamic Acid

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT21X0369

  Your Paper Publication Details:

  Published Paper ID: - IJCRT21X0369

  Register Paper ID - 297303

  Title: DEVELOPMENT OF MICROWAVE ASSISTED NANO BIO COMPOSITE FOR STABILITY ENHANCEMENT OF MEFENAMIC ACID

  Author Name(s): Ms.Rutuja Navnath Thorat, Ms.Vaishali S.Payghan, Dr.Santosh Ambadas Payghan

 Publisher Journal name: IJCRT

 Volume: 13

 Issue: 11

 Pages: u330-u366

 Year: November 2025

 Downloads: 93

 Abstract


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Keywords Mefenamic Acid, microwave-assisted synthesis, nano bio-composite, encapsulation efficiency, solubility enhancement, sustained release, gastrointestinal stability, statistical optimization, PLGA, PVA.

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  Paper Title: Relationship between personality traits and impulse buying behaviour

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT21X0368

  Your Paper Publication Details:

  Published Paper ID: - IJCRT21X0368

  Register Paper ID - 297758

  Title: RELATIONSHIP BETWEEN PERSONALITY TRAITS AND IMPULSE BUYING BEHAVIOUR

  Author Name(s): Zuha farin

 Publisher Journal name: IJCRT

 Volume: 13

 Issue: 11

 Pages: u292-u329

 Year: November 2025

 Downloads: 111

 Abstract

The present study examined the relationship between personality traits and impulsive buying behavior among young adults. A total of 153 participants (aged 18-25 years) were selected using convenience sampling, and data were collected through the Neo-FFI-3 (Costa & McCrae, 2004) and the Buying Impulsiveness Scale (Rook & Fisher, 1995). Descriptive statistics and Pearson's product-moment correlation were used for analysis. The results showed that extraversion and impulsive buying were significantly positively correlated, meaning that people who were gregarious and outgoing were more likely to make impulsive purchases. However, there were significant negative correlations between impulsive buying and conscientiousness, agreeableness, and openness. This suggests that people who are self-disciplined, empathetic, and reflective are more resistant to impulsive tendencies. A weak negative correlation was found between neuroticism and impulsive buying, suggesting that people with emotional instability were somewhat less likely to do so, perhaps as a result of their inability to make decisions and fear of regret. Conscientiousness is the strongest protective factor, according to the study, which shows that personality traits have a significant impact on consumer behavior. The psychological foundations of consumer impulsivity are better understood thanks to these findings, which also have applications in marketing tactics, financial literacy, and consumer awareness.


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Keywords: Personality traits, Big Five, impulsive buying, consumer behavior, young adults

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  Paper Title: EXPLORING THE MEDIATING ROLE OF FEAR OF FAILURE IN THE RELATIONSHIP BETWEEN PERFECTIONISM AND PROCRASTINATION AMONG YOUNG ADULTS

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT21X0367

  Your Paper Publication Details:

  Published Paper ID: - IJCRT21X0367

  Register Paper ID - 297761

  Title: EXPLORING THE MEDIATING ROLE OF FEAR OF FAILURE IN THE RELATIONSHIP BETWEEN PERFECTIONISM AND PROCRASTINATION AMONG YOUNG ADULTS

  Author Name(s): Darshini P

 Publisher Journal name: IJCRT

 Volume: 13

 Issue: 11

 Pages: u254-u291

 Year: November 2025

 Downloads: 113

 Abstract

Procrastination is a common challenge among young adults, often linked to academic stress, reduced performance, and emotional distress. While perfectionism has been consistently identified as a significant predictor of procrastination, the mechanisms underlying this relationship are not yet fully understood. Fear of failure, which is closely associated with perfectionistic tendencies, may act as a critical mediator that explains why individuals with high perfectionism tend to delay tasks. This study aims to examine the mediating role of fear of failure in the relationship between perfectionism and procrastination among young adults aged 18-25 years. A quantitative research design will be employed, using standardized self-report measures to assess levels of perfectionism, fear of failure, and procrastination. Data will be collected from a sample of 100-200 young adults through purposive sampling. Statistical analyses, including correlation and mediation analyses, will be conducted to explore the strength and significance of the relationships among the variables. It is expected that fear of failure will significantly mediate the link between perfectionism and procrastination, highlighting it as a key psychological mechanism contributing to task avoidance. The findings of this study aim to enhance understanding of maladaptive perfectionism and procrastination and provide practical implications for academic counseling, mental health interventions, and strategies to promote effective time management and coping among young adults.


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perfectionism, procrastination, fear of failure, mediation analysis

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  Paper Title: Ai Powered Carbon Footprint Prediction and Optimization for Sustainable Logistics Using Machine Learning and Generative Ai

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT21X0366

  Your Paper Publication Details:

  Published Paper ID: - IJCRT21X0366

  Register Paper ID - 297582

  Title: AI POWERED CARBON FOOTPRINT PREDICTION AND OPTIMIZATION FOR SUSTAINABLE LOGISTICS USING MACHINE LEARNING AND GENERATIVE AI

  Author Name(s): Saravanan Gnanapandithamani

 Publisher Journal name: IJCRT

 Volume: 13

 Issue: 11

 Pages: u206-u253

 Year: November 2025

 Downloads: 100

 Abstract

Carbon Footprint Optimization Optimize AI-powered Carbon footprint prediction for Sustainable Logistics is a project that is expected to predict and optimize the carbon emission at different points in the supply chain. The system measures carbon footprint using machine learning models including the Random Forest, LSTM and XGBoost, and GRU applications that offer precise predictions of carbon footprint. In the project, generative AI is integrated to produce summaries, offer actionable sustainability information, and possible ESG risk hotspots. The dataset captures the factors like procurement, energy usage, modes of transportation and external factors like weather, which contribute towards the emissions. It is an HTML, CSS, JavaScript, Python (Flask), and hosted on Google Cloud Platform (GCP) platform which provides an easy to use interface with modules such as Home, Register, Login, dashboard and Logout. Some of the dashboard features include predictions, SHAP plot, and ESG insights, which help organizations to reduce the environmental impact. This system is aimed at facilitating the decision-making process and ensuring sustainability through areas of the improvement of emissions management. The suggested generative AI will complement the entire system with proposals on how to streamline the workings of the system, minimize emissions, and increase the sustainability of the supply chain.


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Carbon Footprint, Machine Learning, Sustainability, ESG, Emissions Prediction, Generative AI, Supply Chain, Optimization, Random Forest, LSTM, XGBoost, GRU, Flask.

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  Paper Title: FINTECH CRIMES AND INDIAN LEGAL RESPONSES: A CRITICAL EXAMINATION

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT21X0365

  Your Paper Publication Details:

  Published Paper ID: - IJCRT21X0365

  Register Paper ID - 295931

  Title: FINTECH CRIMES AND INDIAN LEGAL RESPONSES: A CRITICAL EXAMINATION

  Author Name(s): Aabha Singh, Dr. Ranjana Sharma

 Publisher Journal name: IJCRT

 Volume: 13

 Issue: 11

 Pages: u165-u205

 Year: November 2025

 Downloads: 116

 Abstract

Fintech driven financial services in India have created a payments environment that is instant, interoperable, API based, and deeply embedded in everyday economic activity. Unified Payments Interface volumes, NPCI rails for IMPS, AePS, FASTag, and QR based collections, together with smartphone penetration, have produced a payment layer in which value moves at a speed that legacy banking controls did not anticipate. This speed has carried a parallel surge in frauds and techno economic crimes such as social engineering-based UPI authorisations, card not present misuse routed through merchant accounts, identity theft to open mule accounts, pig butchering through unregistered apps, unauthorised digital lending with coercive recovery, and cross border laundering of virtual digital assets through exchanges that fall outside Indian supervision. RBI, MeitY, FIU IND, ED, CERT In and NPCI have responded with overlapping standards, for instance the 2017 customer liability circular, the 2019 turnaround time framework, the 2022 CERT In six hour reporting requirement, the 2023 and 2024 amendments to the IT Intermediary Rules, the 2022 RBI digital lending guidelines, and the DPDP Act 2023 obligations for data fiduciaries including financial sector entities, yet offenders continue to exploit jurisdictional gaps, inconsistent attribution of liability, long investigation cycles under the BNSS 2023, and the absence of a unified fintech crime code. The problem is aggravated by the emergence of VDA service providers that came under PMLA only in March 2023 and that continue to receive show cause and penalty actions for non-compliance in 2024 and 2025, which confirms that AML controls have not travelled at the same pace as fintech innovation in India. A critical analysis of these laws shows that the legal tools exist, from "Section 66C" and "Section 66D of the Information Technology Act, 2000" to "Section 43A" civil compensation, from "Section 13 of the Prevention of Money Laundering Act, 2002" to "Section 318 of the Bharatiya Nyaya Sanhita, 2023", but they are fragmented across regulators, triggered on different thresholds, and often written for a pre-UPI environment. The present legal research study therefore argues for a tighter articulation of fintech crime categories, a harmonised attribution of loss and restitution across RBI and NPCI rails, stronger data protection overlays for fintech lenders, and a policing procedure that preserves electronic evidence in a manner that meets BSA and BNSS requirements for trial. It also points toward the growing role of self-regulatory organisations in fintech under the RBI's 2024 framework as a bridge between rule writing and day to day market behaviour, especially for merchant monitoring, LSP governance, and API security.


Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Fintech crime; digital payments; UPI fraud; PMLA; IT Act; DPDP Act; digital lending; payment aggregators; intermediary liability; electronic evidence

  License

Creative Commons Attribution 4.0 and The Open Definition



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The International Journal of Creative Research Thoughts (IJCRT) aims to explore advances in research pertaining to applied, theoretical and experimental Technological studies. The goal is to promote scientific information interchange between researchers, developers, engineers, students, and practitioners working in and around the world.


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International Journal of Creative Research Thoughts (IJCRT)
ISSN: 2320-2882 | Impact Factor: 7.97 | 7.97 impact factor and ISSN Approved.
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ISSN: 2320-2882
Impact Factor: 7.97 and ISSN APPROVED
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ISSN and 7.97 Impact Factor Details


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ISSN: 2320-2882
Impact Factor: 7.97 and ISSN APPROVED
Journal Starting Year (ESTD) : 2013
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