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INTERNATIONAL JOURNAL OF CREATIVE RESEARCH THOUGHTS - IJCRT (IJCRT.ORG)

International Peer Reviewed & Refereed Journals, Open Access Journal

IJCRT Peer-Reviewed (Refereed) Journal as Per New UGC Rules.

ISSN Approved Journal No: 2320-2882 | Impact factor: 7.97 | ESTD Year: 2013

Call For Paper - Volume 14 | Issue 3 | Month- March 2026

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Volume 3 | Issue 2

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  Paper Title: OPTIMIZED PH CONTROL IN SUGARCANE JUICE CLARIFICATION USING FUZZY NEURAL NETWORKS AND EVOLUTIONARY ALGORITHMS

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT1135963

  Your Paper Publication Details:

  Published Paper ID: - IJCRT1135963

  Register Paper ID - 278565

  Title: OPTIMIZED PH CONTROL IN SUGARCANE JUICE CLARIFICATION USING FUZZY NEURAL NETWORKS AND EVOLUTIONARY ALGORITHMS

  Author Name(s): Rafiya Begum, Zakeer Husain, S.V. Halse

 Publisher Journal name: IJCRT

 Volume: 3

 Issue: 2

 Pages: 735-739

 Year: June 2015

 Downloads: 276

 Abstract

The clarification process in sugarcane juice refining is crucial for ensuring high-quality sugar production. This study explores the implementation of Fuzzy Neural Networks (FNN) combined with Genetic Algorithms (GA) and Particle Swarm Optimization (PSO) to regulate the pH value during sugarcane juice clarification. Traditional pH control methods in sugar refineries often struggle with nonlinearities and process variations, leading to inefficiencies. By integrating intelligent control techniques, this research proposes a robust and adaptive model that optimizes pH regulation. Experimental results demonstrate that FNN, in conjunction with GA and PSO, enhances system stability and efficiency. The findings indicate improved response time, reduced pH deviation, and enhanced sugar quality.


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Fuzzy Neural Networks, pH Control, Sugarcane Juice Clarification, Genetic Algorithms, Particle Swarm Optimization, Sugar Refineries, Intelligent Control, and Process Optimization.

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  Paper Title: Empowering Women Entrepreneurs in Kerala: The Importance of Microfinance.

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT1135718

  Your Paper Publication Details:

  Published Paper ID: - IJCRT1135718

  Register Paper ID - 267830

  Title: EMPOWERING WOMEN ENTREPRENEURS IN KERALA: THE IMPORTANCE OF MICROFINANCE.

  Author Name(s): SHAJI THADDEUS, ARUN K

 Publisher Journal name: IJCRT

 Volume: 3

 Issue: 2

 Pages: 919-930

 Year: June 2015

 Downloads: 422

 Abstract

This study investigates microfinance's influence on women entrepreneurs' empowerment in Kerala, with a specific focus on its effects on revenue production, business sustainability, and social empowerment. Data was obtained from 100 women entrepreneurs across diverse sectors using a mixed-methods approach. The results demonstrate that microfinance has a substantial impact on increasing income levels and improving financial management abilities, which in turn leads to business expansion and higher savings. Nevertheless, obstacles such as restricted financing availability, insufficient market growth, and socio-cultural hindrances persist. Entrepreneurial training and financial literacy were found to be essential elements for achieving success, while the regression analysis revealed that access to financing and training were major indicators of improved results. The study asserts that microfinance is a valuable instrument for promoting women's entrepreneurship. However, it emphasises the importance of overcoming the highlighted obstacles to fully maximise effectiveness. Suggestions for increasing microfinance programs involve improving credit accessibility, bolstering training efforts, and promoting market linkages to promote enduring sustainability and empowerment.


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Microfinance, women entrepreneur. Economic empowerment, financial inclusion

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  Paper Title: Utopian Society Depicted with an Effective Language by Mulkraj Anand in the Novel -Untouchable

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT1135530

  Your Paper Publication Details:

  Published Paper ID: - IJCRT1135530

  Register Paper ID - 256623

  Title: UTOPIAN SOCIETY DEPICTED WITH AN EFFECTIVE LANGUAGE BY MULKRAJ ANAND IN THE NOVEL -UNTOUCHABLE

  Author Name(s): Smt.S.SAILAJA JHANSI

 Publisher Journal name: IJCRT

 Volume: 3

 Issue: 2

 Pages: 641-644

 Year: April 2015

 Downloads: 432

 Abstract

Mulkraj Anand strongly believes that the downtrodden is not born but made. With his personal experience and also with his gift of imagination, he depicts the pathetic socio-economic conditions of the downtrodden in pre-independence India through his novels. In short, he is the angry young man who cannot tolerate exploitation of one man by another man, or of one class buy another. He is a sworn enemy to all kinds of exploitation, be that economic, social or political. The monster of socio economic exploitation is hydra-headed and can assume numerous forms. The first and the strongest type of exploitation are economic. Economic order that existed in the pre-Independence India and whose remnants are found even now to some extent, allowed untold wealth and power to be concentrated into a few hands. These few powerful capitalists and zamindars could dictate very harsh and humiliating terms to the many poor. The rich and powerful had full liberty to exploit the many poor and to grind them mercilessly under the wheel of economic monopolies. Mulkraj Anand's fictional novel "Untouchable" makes us knowing the real life spectrum of socio-economic exploitation of the downtrodden in pre-independence India. The story of the novel set in the so-called outcastes' colony of unnamed town during the British rule and is based on the life of the most downtrodden, despised and oppressed section of Indian Society, the outcastes. The present paper aims at - how the downtrodden suffer during the period of pre-independence Indian socially as well as economically in the light of the characters of Mulkraj Anand's "Untouchable"


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  Paper Title: "A study on Customer Satisfaction towards Home Loan in HDFC Bank in Surat city."

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT1135508

  Your Paper Publication Details:

  Published Paper ID: - IJCRT1135508

  Register Paper ID - 254350

  Title: "A STUDY ON CUSTOMER SATISFACTION TOWARDS HOME LOAN IN HDFC BANK IN SURAT CITY."

  Author Name(s): Nairuti S Chokkas

 Publisher Journal name: IJCRT

 Volume: 3

 Issue: 2

 Pages: 485-490

 Year: June 2015

 Downloads: 355

 Abstract

The banking sector in India stands out as one of the most mature, deeply entrenched, and focused markets. It serves as a vital income generator within the economy, channeling substantial funds to regulate, stabilize, and bolster economic activities. Banks play a crucial role in augmenting household incomes and managing expenditures. Retail banking, driven by a commitment to revenue generation, cost reduction, interest rate regulation, and enhanced profitability, has firmly prioritized customer satisfaction. The primary aim of this assessment is to closely examine the level of satisfaction among borrowers from HDFC Bank


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Hoam loan, Customer Satisfaction.

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  Paper Title: The Study of Effect of Dribbling Skil by Circuit Training on Hockey Game Skill

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT1135495

  Your Paper Publication Details:

  Published Paper ID: - IJCRT1135495

  Register Paper ID - 252893

  Title: THE STUDY OF EFFECT OF DRIBBLING SKIL BY CIRCUIT TRAINING ON HOCKEY GAME SKILL

  Author Name(s): Dr. Jaydeepsinh Rathod

 Publisher Journal name: IJCRT

 Volume: 3

 Issue: 2

 Pages: 382-384

 Year: May 2015

 Downloads: 366

 Abstract

The purpose of this research study was to The Study of Effect of Dribbling Skil by Circuit Training on Hockey Game Skill. The research study was limited to hockey players. In this research study, the players who played hockey at the state level in South Gujarat were selected as subject matter. A total of 30 hockey players were randomly selected in this research study. The subjects in this research study will be divided into two groups. In which 15 subjects were given various shooting skills training and 15 subjects were kept in control group. Subjects were randomly selected in this research study. There were 15 subjects in each group. The Harbansing Hockey Test was chosen as the standard of measurement for Dribbling Skills in this research study. Group-A Circuit training was then given for 12 weeks and Group-B was kept as a control group. The north test of both groups was then taken. The differences between the mediators applied to the experimental group and the data obtained from the control group were applied to the variance, covariance analysis (ANCOVA) and the validity was checked at 0.05 level by applying the LSD Post Hawk test. The conclusion of which is as follows. The 12-week hockey skills training program of systematic improvement saw a significant improvement in the dribbling skills of the selected subjects.


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The Study of Effect of Dribbling Skil by Circuit Training on Hockey Game Skill

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  Paper Title: Labour Market Dynamics and Economic Growth: Evidence from Developed Economies

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT1135452

  Your Paper Publication Details:

  Published Paper ID: - IJCRT1135452

  Register Paper ID - 252394

  Title: LABOUR MARKET DYNAMICS AND ECONOMIC GROWTH: EVIDENCE FROM DEVELOPED ECONOMIES

  Author Name(s): Dr. (Smt.) Anita Modi, Dr. Krishna Murari Modi

 Publisher Journal name: IJCRT

 Volume: 3

 Issue: 2

 Pages: 77-84

 Year: May 2015

 Downloads: 346

 Abstract

This research paper examines the relationship between labour market dynamics and economic growth in developed economies. Drawing on a comprehensive review of theoretical frameworks and empirical studies, the paper investigates key indicators such as employment rates, wage dynamics, and labour market flexibility. Utilizing panel data analysis, the study provides empirical evidence on the impact of labour market dynamics on macroeconomic outcomes, including GDP growth and productivity trends. The findings highlight the importance of policies aimed at promoting full employment, balancing wage growth with productivity improvements, and enhancing labour market flexibility to foster sustainable and inclusive economic growth. The paper concludes with implications for policymakers and future research directions.


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Labour market dynamics, Economic growth, Developed economies, Employment, Wages, Labour market flexibility

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  Paper Title: Dr.Ambedkar's Economic philosophy with reference to Dalits and Minorities

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT1135448

  Your Paper Publication Details:

  Published Paper ID: - IJCRT1135448

  Register Paper ID - 252334

  Title: DR.AMBEDKAR'S ECONOMIC PHILOSOPHY WITH REFERENCE TO DALITS AND MINORITIES

  Author Name(s): Dr. K. Paul Newman

 Publisher Journal name: IJCRT

 Volume: 3

 Issue: 2

 Pages: 50-53

 Year: June 2015

 Downloads: 393

 Abstract

Dr. B. R . Ambedkar is known widely as a leader of oppressed classes who fought against caste system and untouchability but his contributions as an economist, humanist, socio-political scientist, constitutional expert is often ignored which is shocking for our economic fraternity. He wrote three books on economics and suggested many measures for economic development. He saw caste system as a major impediment on the economic and social development front This paper will make the readers curious and will definitely open avenues to research more on Ambedkar's economic findings.


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Ambedkar, Dalits ,Minorities, caste system, , Division of labour, Socialism.

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  Paper Title: శేషప్పకవి శతకాలు- భక్తి, మరియు ఆధ్యాత్మిక, సామాజిక అంశాల పరిశీలనం

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT1135427

  Your Paper Publication Details:

  Published Paper ID: - IJCRT1135427

  Register Paper ID - 251144

  Title: శేషప్పకవి శతకాలు- భక్తి, మరియు ఆధ్యాత్మిక, సామాజిక అంశాల పరిశీలనం

  Author Name(s): Dr.S. Ramadevi

 Publisher Journal name: IJCRT

 Volume: 3

 Issue: 2

 Pages: 888-892

 Year: June 2015

 Downloads: 381

 Abstract

??????? ?????????? ???????? ???? ???????????? ???? ?????? ???????????? ???? ??????????????????????? ???????? ???????? . ? ???????????????, ?????? ?????? ???????????? ????????????????????????? ?????????? ???????, ??????? ??????? ???? ???????? ????????????, ?? ?????? ???????????? ????????? ??????? ?????? ? ???? ??????, ?????, ??????? ??????. ? ??????? ??? ????. ?. 1000 ??? ????????? ???????? ???????? ??? ??????????? ???????? ??????? ???? ??????????? ???????? ?????? ?????????????????, ?????? ? ??? ??? ?????????? ?????, ?????? 1926 ?? ????????? ?? ??????????? ??? 18 ???????? ???????????, 19 ? ???????? ??????????? ????????????? ??????????. ? ?????????? ???????? ??????? ? ?????? ??????????????????? ???? ??????? ?????? ????. ??????? ? ?????? ????,?????, ??????, ???????? ???????? ?????????? ?????????????? ????????? ???????? ????, ??????? ???????? ??????????? ??? ???? ???? ???????????? ???????? ????? ????????????. ? ???? ??????????? ??? ????? ?????????, ????????? ????????? ??????? ???????????? ??????? ?????? ??????? ?????? ? ??? ???????, ???? ???? ?????????? ??? ??????? ????????? ?????? ???????????? . ? ??? ??? ????????? ???? ?????? ???, ???????? ?????? ???? ???????, ???????????????? ?????????, ??? ??? ????????? ?????????. ???? ? ????????????? ??? ??????? ???? ??????? ??????? ?????????. ?????, ?????? ??? ??????? ?????????????? ????????? ??????? ??????????, ??????????, ?????????? ??????? ??????? ???? ???????? ????????. ????? ???????, ?? ?????, ???????? ?? ??????? ?????? ????? ????? ????? ???????????. ???????????????? ????????? ????? ????. ???? ???????? ??? ??????? ??????????? ?? ???????? ???????, ??????? ?????, ?????? ?????? ???? ????? ????. ???? ??????? ????????, ????????????? ????????? ?? ????? ??????? ??????????? ???????????, ??????? ???????????, ????? ????? ??????, ??? ??????? ?????? ??????? ?? ???? ?????? ????????? ??????? ??????? ??????? ?????, ???? ????????? ?????????????? ???? ???????? ??????. ???? ??????? ???????????????? ?????????? ????? ????????????? ????? ??????????? ???????????? ?????????????? ????? ????, ?? ?????????? ????????, ????? ???? ????????????? ????? ???? ?? ?????? ?????? ??????? ??????? ???????? ????????, ??, ??? ???? ???? ???? ??????????? ??? ????????? ????? ?????? ???? ????? ??????????, ????????? ??????????? ?? ???????????????? ??????????????. ?????????? ???? ???? ???????? ????????? ??????? ? ??? ??????? ??????? - ????? ?????????????? ??? ????????????? ???????? ??? ????????? ??????????? ????? ?????????? ??????????? ???????????? ??????????? ?????? ????? ???????? ??????? ?????????????? ????????????? ??????? ?? ??? ??????? ???????????? ??????????????? ??????????????????? ?????????


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????????? ??????- ?????, ????? ??????????, ??????? ????? ????????

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  Paper Title: How to Manage Co-branding in Hotels and Restaurants: Strategic Brand Management in Hospitality Sector

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT1135422

  Your Paper Publication Details:

  Published Paper ID: - IJCRT1135422

  Register Paper ID - 251008

  Title: HOW TO MANAGE CO-BRANDING IN HOTELS AND RESTAURANTS: STRATEGIC BRAND MANAGEMENT IN HOSPITALITY SECTOR

  Author Name(s): Mr. Lalitkumar H. Tank

 Publisher Journal name: IJCRT

 Volume: 3

 Issue: 2

 Pages: 853-861

 Year: May 2015

 Downloads: 430

 Abstract

Companies in the hospitality sector (hotels, restaurants etc.) aim to distinguish their brand image and differentiate their product or service among the competitors by adopting brand strategies since identifying a target customer base and understanding their needs and preferences are of primary significance for hospitality firms. The achievement of a distinguished designation necessitates utilizing research-based and strategic branding techniques and suggestions. One major branding strategy particularly for international firms is co-branding. Nevertheless, there are scarce studies that examine the role of strategic co-brand management in the hospitality sector. This review paper aims to critically discuss the current position of strategic co-branding in the hospitality sector and possible problems involved in this issue. Recommendations for future research on co-branding of hospitality firms within the strategic management paradigm are provided. Furthermore, managers in the hospitality sector are given suggestions for enhancing strategic management of co- branding in hospitality and particularly in destination firms.


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Co-branding, brand management; hospitality; hotels and restaurants; strategic applications.

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  Paper Title: Ambedkarism and Dalit Poetry: With reference to Telugu Dalit Poetry Part 2

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT1135416

  Your Paper Publication Details:

  Published Paper ID: - IJCRT1135416

  Register Paper ID - 250920

  Title: AMBEDKARISM AND DALIT POETRY: WITH REFERENCE TO TELUGU DALIT POETRY PART 2

  Author Name(s): Kambhampati Rajesh

 Publisher Journal name: IJCRT

 Volume: 3

 Issue: 2

 Pages: 810-815

 Year: June 2015

 Downloads: 352

 Abstract

In view of the fact that Gods in India played a vital role in go forward accommodating on people regarding their welcoming the caste system, the assault on gods has to turn out to be added frequently in dalit literature. Where there is God to attain some people uphill and the others lesser, in which the name of God there would be complete sharpness and opposition, their God grab to be a killer:


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Ambedkarism and Dalit Poetry: With reference to Telugu Dalit Poetry Part 2

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  Paper Title: Transformer Testing Techniques: In-Depth Review of Open Circuit and Short Circuit Testing

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT1135332

  Your Paper Publication Details:

  Published Paper ID: - IJCRT1135332

  Register Paper ID - 246019

  Title: TRANSFORMER TESTING TECHNIQUES: IN-DEPTH REVIEW OF OPEN CIRCUIT AND SHORT CIRCUIT TESTING

  Author Name(s): Er. Vikas Mathur, Er. Asad Zai

 Publisher Journal name: IJCRT

 Volume: 3

 Issue: 2

 Pages: 210-215

 Year: May 2015

 Downloads: 568

 Abstract

The open circuit and short circuit tests are fundamental experiments conducted on transformers to determine their performance characteristics and to assess their efficiency in electrical power transmission and distribution systems. These tests provide crucial information about a transformer's parameters, such as core losses, winding resistance, and voltage regulation, enabling engineers and operators to make informed decisions regarding their operation and maintenance.


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The open circuit and short circuit tests are fundamental experiments conducted on transformers to determine their performance characteristics and to assess their efficiency in electrical power transmission and distribution systems. These tests provide crucial information about a transformer's parameters, such as core losses, winding resistance, and voltage regulation, enabling engineers and operators to make informed decisions regarding their operation and maintenance.

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  Paper Title: Dr. RAM MANOHAR LOHIA'S LIFE AND HIS IDEOLOGY OF FOUR-PILLAR STATE An observation

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT1135275

  Your Paper Publication Details:

  Published Paper ID: - IJCRT1135275

  Register Paper ID - 245047

  Title: DR. RAM MANOHAR LOHIA'S LIFE AND HIS IDEOLOGY OF FOUR-PILLAR STATE AN OBSERVATION

  Author Name(s): Dr. Surarapu Bixsham

 Publisher Journal name: IJCRT

 Volume: 3

 Issue: 2

 Pages: 826-829

 Year: April 2015

 Downloads: 840

 Abstract

Ram Manohar Lohia is great philosopher, prominent freedom fighter, one of the leader of the Indian National Movement, for India's independence from the Colonial Masters, he is the most original thinker of the Socialist movement in India, Ram Manohar Lohia was one of the popular leaders of Modern India, he was a great pioneer of Democratic ethos, highly read and intellectual imbued with Socialist-humanist and Gandhian ideas construed of democracy as an antidote to Dictatorship. Over centralization at societal, politico- administrative and economic pedestal mars democracy which was and is the only hope for the teeming of millions of Indians. An attempt is made to comprehend Dr. Ram Manohar Lohia's reservations regarding the functioning of Democracy in independent India, his proposal for alternative model, he desires to create a society which would ensure justice to the poor, backward communities and women, he believed in self-realization and complete development of personality was possible only with the freedom. Liberty was necessary for self-realization, further, the enjoyment of freedom was possible only with the availability of equality, so liberty was in-separable from equality, liberty and equality were the two sides of the same coin, the fulfillment of equality was possible only under the State.


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Ram Manohar Lohia, Philosopher, Prominent, Freedom, Leader, National, Independence, Colonial, Thinker, Modern, Democratic, Socialist, Liberty, Equality, State

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  Paper Title: A STUDY OF ACHIEVEMENT MOTIVATION AND APTITUDE OF PUPIL TEACHERS IN RELATION TO GENDER AND LOCALITY

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT1135266

  Your Paper Publication Details:

  Published Paper ID: - IJCRT1135266

  Register Paper ID - 244953

  Title: A STUDY OF ACHIEVEMENT MOTIVATION AND APTITUDE OF PUPIL TEACHERS IN RELATION TO GENDER AND LOCALITY

  Author Name(s): DR. SUNITA ARYA

 Publisher Journal name: IJCRT

 Volume: 3

 Issue: 2

 Pages: 768-773

 Year: June 2015

 Downloads: 438

 Abstract

These days education has become highly professional, utilitarian as well as commercially there are very few institutions and individuals who adhere to the afore mentioned ideals of education. This may be due to information explosion and fast changing life on this planet. Education has now a day acquired such a dimension that a high academic achievement is considered a hallmark of successful education. In this study the researcher has tried to find out the various degrees of influences on achievement motivation of the students particularly in aptitude in teaching. In the present study researcher studied the achievement motivation and aptitude of pupil teachers. For this purpose researcher selected one hundred students was selected from privately managed teacher training institutes by random sampling technique. Rao's Achievement Motivation Test and Teaching Aptitude Test Battery Dr. R.P Singh and Dr. S.N. Sharma was used. A significant and positive correlation between achievement motivate and aptitude of pupil teachers was found in this study. It reveals that the pupil teachers have scored high in aptitude lead to score higher achievement motivation.


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A STUDY OF ACHIEVEMENT MOTIVATION AND APTITUDE OF PUPIL TEACHERS IN RELATION TO GENDER AND LOCALITY

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  Paper Title: Use Of Ethnomedicinal Plants For Traditional Purposes : Indians Who Depend On The Forests Of Northern Bengal

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT1135111

  Your Paper Publication Details:

  Published Paper ID: - IJCRT1135111

  Register Paper ID - 237976

  Title: USE OF ETHNOMEDICINAL PLANTS FOR TRADITIONAL PURPOSES : INDIANS WHO DEPEND ON THE FORESTS OF NORTHERN BENGAL

  Author Name(s): Renu Bansal

 Publisher Journal name: IJCRT

 Volume: 3

 Issue: 2

 Pages: 694-697

 Year: May 2015

 Downloads: 450

 Abstract

The traditional understanding of ethnomedicinal plants is gradually fading. The emphasis of this review article is for the rehabilitation and preservation of ethnomedicinal knowledge about plants and the conservation of these species for the greater good of human society, ethnobotanical resources must be explored, identified, and their use must be documented.


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ethnomedicinal plants, traditional medicines, preservation, globalization.

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  Paper Title: A STUDY OF FINANCIAL LITERACY & IT'S ROLE ON FINANCIAL INCLUSION IN JHARKHAND

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT1135046

  Your Paper Publication Details:

  Published Paper ID: - IJCRT1135046

  Register Paper ID - 235429

  Title: A STUDY OF FINANCIAL LITERACY & IT'S ROLE ON FINANCIAL INCLUSION IN JHARKHAND

  Author Name(s): Dr. Anil Chandra Pathak

 Publisher Journal name: IJCRT

 Volume: 3

 Issue: 2

 Pages: 300-305

 Year: June 2015

 Downloads: 476

 Abstract

Empirical research reveals that financial literacy is quite poor, especially among educated individuals in industrialized and developing nations. This is especially true for a developing nation like India, which has a large and diverse population, a lack of bank penetration (especially in rural areas), and a wide selection of financial products. India's rapidly improving urban infrastructure, its young demographic dividend, and its distinctive socioeconomic and geographical mix provide an excellent opportunity to channel the country's untapped potential. When more individuals can participate in the economy because they have a basic understanding of money management, we all win. The idea of financial inclusion has been given a boost by recent government efforts like Jan Dhan Yojana. Therefore, learning about money is the first step in establishing financial stability. Several programs have been launched by the government of India to improve citizens' familiarity with and ability to use financial tools. To help readers better grasp the relevance of financial literacy, this article details the many efforts made by Indian regulatory bodies in the state of Jharkhand to promote financial inclusion and education. This research intends to examine the efforts of the Indian government (namely the RBI, SEBI, and IRDA) to raise the country's financial literacy. The current level of financial literacy in the state-wise of India has also been investigated.


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 Keywords

Financial Literacy, Financial Inclusion, RBI, SEBI, IRDA.

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  Paper Title: Droplets of Green Chemistry for the Balanced life

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT1135040

  Your Paper Publication Details:

  Published Paper ID: - IJCRT1135040

  Register Paper ID - 235032

  Title: DROPLETS OF GREEN CHEMISTRY FOR THE BALANCED LIFE

  Author Name(s): Dr.(Mrs.) SEEMA GARG

 Publisher Journal name: IJCRT

 Volume: 3

 Issue: 2

 Pages: 238-245

 Year: April 2015

 Downloads: 471

 Abstract


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Revolution, ppm, carbon sinks, carbon cycle, greenhouse gas emission, IPCC and dangerous.

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  Paper Title: A STUDY ON CONTRIBUTIONS OF KADAMBA EMPIRE

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT1134918

  Your Paper Publication Details:

  Published Paper ID: - IJCRT1134918

  Register Paper ID - 231252

  Title: A STUDY ON CONTRIBUTIONS OF KADAMBA EMPIRE

  Author Name(s): Dr.Manjunatha Sakalesh,

 Publisher Journal name: IJCRT

 Volume: 3

 Issue: 2

 Pages: 425-432

 Year: April 2015

 Downloads: 1077

 Abstract

A STUDY ON CONTRIBUTIONS OF KADAMBA EMPIRE


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prises as a mother ensures her kids against the en

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  Paper Title: OPPORTUNITIES AND CHALLENGES OF E-MARKETING IN INDIA

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT1134908

  Your Paper Publication Details:

  Published Paper ID: - IJCRT1134908

  Register Paper ID - 230935

  Title: OPPORTUNITIES AND CHALLENGES OF E-MARKETING IN INDIA

  Author Name(s): LAABH SINGH

 Publisher Journal name: IJCRT

 Volume: 3

 Issue: 2

 Pages: 332-339

 Year: April 2015

 Downloads: 480

 Abstract

Electronic marketing is the youngest of the membership growth devices and has grown exponentially since mainstreaming a little more than two decades ago. E marketing created a means of doing business defying time and space. It established speed, information flow and access in buying and selling of products. This in turn created a virtual market for actual products globally. The terms e -Marketing, Internet marketing and online marketing, are frequently interchanged, and can often be considered synonymous. This paper is outcome of a review of various research studies carried out on E-Marketing. The present study has been undertaken to analyze the present trends of e-marketing in India & examine the challenges & opportunities of e-marketing in India.


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Key words: Online marketing, offline marketing, Internet, Opportunities, Challenges.

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  Paper Title: MAITRIYA PUSHPA KI KAHANIYO ME GRAMIN NARI

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT1134870

  Your Paper Publication Details:

  Published Paper ID: - IJCRT1134870

  Register Paper ID - 229941

  Title: MAITRIYA PUSHPA KI KAHANIYO ME GRAMIN NARI

  Author Name(s): Dr. kamlesh

 Publisher Journal name: IJCRT

 Volume: 3

 Issue: 2

 Pages: 22-24

 Year: April 2015

 Downloads: 514

 Abstract

maitriya pushpa ki kahaniyo me gramin nari


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maitriya pushpa ki kahaniyo me gramin nari

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  Paper Title: SYNTHESIS AND ANTIMICROBIAL ACTIVITIES OF TRIAZOLOTHIADIAZINES

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRT1134863

  Your Paper Publication Details:

  Published Paper ID: - IJCRT1134863

  Register Paper ID - 229756

  Title: SYNTHESIS AND ANTIMICROBIAL ACTIVITIES OF TRIAZOLOTHIADIAZINES

  Author Name(s): Savita Choudhary, Vibha Shrivastav

 Publisher Journal name: IJCRT

 Volume: 3

 Issue: 2

 Pages: 958-976

 Year: May 2015

 Downloads: 477

 Abstract

It deals with synthesis and spectral studies of 5H-[1,2,4] triazolo [3,4b][1,3,4]thiadiazines. A structurally diverse new series of 5H-[1,2,4] triazolo[3,4b][1,3,4]thiadiazine heterocycles having medicinally privi-leged nucleus have been synthesized by simple and solvent free environmental benign methods. A mixture of 4-amino-5-substituted-1,2,4-triazolo-3-thiol and ?-diketone/ ?-ketoester and catalytic amount of hydrazine hydrate exposed to microwave irradiation under solvent free condition in presence of an energy transfer agent DMF to get the product in high yield.


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5H-[1,2,4] triazolo [3,4b][1,3,4]thiadiazines, ?-diketone, ?-ketoester.

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Creative Commons Attribution 4.0 and The Open Definition



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About IJCRT

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
Journal Starting Year (ESTD) : 2013
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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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