IJCRT Peer-Reviewed (Refereed) Journal as Per New UGC Rules.
ISSN Approved Journal No: 2320-2882 | Impact factor: 7.97 | ESTD Year: 2013
Scholarly open access journals, Peer-reviewed, and Refereed Journals, Impact factor 7.97 (Calculate by google scholar and Semantic Scholar | AI-Powered Research Tool) , Multidisciplinary, Monthly, Indexing in all major database & Metadata, Citation Generator, Digital Object Identifier(CrossRef DOI)
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Paper Title: AN EMPIRICAL STUDY ON WORKLIFE BALANCE TOWARDS BANKING SECTOR
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT2603728
Register Paper ID - 303258
Title: AN EMPIRICAL STUDY ON WORKLIFE BALANCE TOWARDS BANKING SECTOR
Author Name(s): K.HEMALATHA
Publisher Journal name: IJCRT
Volume: 14
Issue: 3
Pages: g65-g68
Year: March 2026
Downloads: 59
Both personal and professional spheres are closely connected. This issue affects both genders, impacting all professionals across various levels and industries worldwide due to increasing job demands, globalization, and advancements in industry. The banking sector is currently confronting the challenge of an unbalanced work-life equilibrium. Workload constraints are becoming more stringent, and individuals are now expected to deliver valuable outcomes while also meeting targets. As a result of this workload, achieving a balance between work and family life becomes exceedingly difficult. People often work so hard in their pursuit of success that they fail to enjoy the real joys of life. A great profession is wonderful, but having a life outside of work is just as vital. The public and private sectors of banks are the particular focus of this study. The research concluded that specialists in the banking sector now aim for work-life balance and that workers perform better when they make time for their families and other interests
Licence: creative commons attribution 4.0
Paper Title: Bihar Rajya Bhagalpur Smart City Me Nagarikaran Vikas Evam Paryavarniya Prabhav : Ek Bhaugolik Adhyayan
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT2603727
Register Paper ID - 303602
Title: BIHAR RAJYA BHAGALPUR SMART CITY ME NAGARIKARAN VIKAS EVAM PARYAVARNIYA PRABHAV : EK BHAUGOLIK ADHYAYAN
Author Name(s): KHUSHBOO KUMARI, DR. PRASHANT KUMAR
Publisher Journal name: IJCRT
Volume: 14
Issue: 3
Pages: g49-g64
Year: March 2026
Downloads: 51
Bihar Rajya Bhagalpur Smart City Me Nagarikaran Vikas Evam Paryavarniya Prabhav : Ek Bhaugolik Adhyayan
Licence: creative commons attribution 4.0
Bihar Rajya Bhagalpur Smart City Me Nagarikaran Vikas Evam Paryavarniya Prabhav : Ek Bhaugolik Adhyayan
Paper Title: A STUDY TO ASSESS THE EFFECTIVENESS OF VIDEO ASSISTED TEACHING PROGRAMMEME ON KNOWLEDGE REGARDING DRUG ABUSE AND ITS HAZARDS AMONG HIGH SCHOOL CHILDREN IN SELECTED HIGH SCHOOLS AT URBAN AREA OF MYSORE
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT2603726
Register Paper ID - 302654
Title: A STUDY TO ASSESS THE EFFECTIVENESS OF VIDEO ASSISTED TEACHING PROGRAMMEME ON KNOWLEDGE REGARDING DRUG ABUSE AND ITS HAZARDS AMONG HIGH SCHOOL CHILDREN IN SELECTED HIGH SCHOOLS AT URBAN AREA OF MYSORE
Author Name(s): Manasa H S, R K Mahadevswamy
Publisher Journal name: IJCRT
Volume: 14
Issue: 3
Pages: g40-g48
Year: March 2026
Downloads: 65
Abstract The data was generated by using the structured questionnaire. Purposive non-probability sampling techniques were adopted to select 60 subjects. The data was obtained from the study subjects were analyzed and interpreted in terms of the objectives and hypothesis of the study. Descriptive and inferential statistics were used for the data analysis and the level set at 0.05. RESULTS: The results of the study shown that pre-test overall knowledge score of high school children regarding drug abuse and its hazards was 43.7%, mean and the standard deviation was 2.3. During post-test overall knowledge score of high school children was 76.0% mean and standard deviation was 2.7. Hence the difference between pretest and post-test overall knowledge score was 32.3%. So the results of the study shown the difference between the pre-test and post-test knowledge score of the high school children regarding drug abuse and its hazards was statistically significant and the difference is due to the administration of video assisted teaching programme to high school children regarding drug abuse and its hazards. The analysis revealed that there is significant association was found with - religion, family monthly income, family type and occupational status of the father at p < 0.05 and no association could be found with other demographic variables of high school children. CONCLUSION : On the basis of the study we can draw the following conclusions, the results of the study shown that pre-test overall knowledge score of high school children regarding drug abuse and its hazardswas 43.7%, mean and the standard deviation was 2.3. During post-test overall knowledge score of high school children was 76.0% mean and standard deviation was 2.7. Hence the difference between pretest and post-test overall knowledge score was 32.3%. So the results of the study shown the difference between the pre-test and post-test knowledge score of the high school children regarding drug abuse and its hazardswas statistically significant and the difference is due to the administration of video assisted teaching programme to high school children regarding drug abuse and its hazards. The analysis revealed that there is significant association was found with - religion, family monthly income, family type and occupational status of the father at p < 0.05 and no association could be found with other demographic variables of high school children.
Licence: creative commons attribution 4.0
Drug Abuse, Hazards, High school Children.
Paper Title: Investigating Physicochemical parameters of Soil Samples from Shegaon Town of District Buldhana
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT2603725
Register Paper ID - 303689
Title: INVESTIGATING PHYSICOCHEMICAL PARAMETERS OF SOIL SAMPLES FROM SHEGAON TOWN OF DISTRICT BULDHANA
Author Name(s): R. B. Barabde
Publisher Journal name: IJCRT
Volume: 14
Issue: 3
Pages: g35-g39
Year: March 2026
Downloads: 54
Abstract A physicochemical study of soil is based on various parameters like soil pH, electrical conductivity, organic carbon, available nitrogen, phosphorus, potassium, and micronutrients (Fe, Mn, Cu and Zn). six representative samples were collected at a depth of 0-20 cm and analysed for soils were neutral to slightly alkaline. The value of soil pH found to be 7.2 to 8.5, electrical conductivity was ranging from 0.60 to 0.78 dSm-1, organic carbon was found to be 0.57 to 0.84%, range of sodium was 0.45 to 0.89 meq% and potassium 123.12 to 228.15 kg/ha. Among the nutrients, available Nitrogen was found to be 105.08 to 189.72 kg/ha, Phosphorous was ranging from 13.14 to 74.12 kg/ha. This information will help the farmers to know amount of fertilizers to be added in soil to make production.
Licence: creative commons attribution 4.0
Keywords: Soil samples, physicochemical parameters, Shegaon Town
Paper Title: A case study on Charakokta Stanya Janana Mahakashaya in Stanya kshaya.
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT2603724
Register Paper ID - 303754
Title: A CASE STUDY ON CHARAKOKTA STANYA JANANA MAHAKASHAYA IN STANYA KSHAYA.
Author Name(s): Dr. Vasihnavi Munishwar, Dr. Vinaykumar Hiremath, Dr. Prakash Gondakar, Dr. Rekha Korlahalli
Publisher Journal name: IJCRT
Volume: 14
Issue: 3
Pages: g26-g34
Year: March 2026
Downloads: 46
Physiology states that the nutritional need of a new born is taken care of by the breast milk secreted by the mother's body soon after the birth of the baby, but this is not the reality in many cases today. Nowadays, we find mothers who cannot produce breast milk either at all or in insufficient quantity. This is Stanya Kshaya. As Stanya is the Upadhatu of Rasa Dhatu, its absence or reduction in quantity is due to improper nourishment of Rasa Dhatu. This can also be considered as Rasa Kshaya or Stanya Shosha. The nourishment of Rasa Dhatu is dependent on both Sharirika and Manasika Bhavas. Data from an article shows that 37% of subjects have lactational insufficiency. Easy availability of supplemental foods like formula milk is causing significant changes in the percentage of mothers willing to breastfeed their babies. Hence, the study on Stanya Kshaya is necessary. In this study, the Charakokta Stanya Janana Mahakashaya will be administered, and results will be obtained by comparison between symptoms before and after treatment.
Licence: creative commons attribution 4.0
Keywords: Stanya, Stanya Kshaya, Rasa Dhatu, Upadhatu, Sheeta, etc.
Paper Title: Sustainable Solid Waste Management in Rural Local Governance: Institutional Dynamics and Challenges in West Bengal
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT2603723
Register Paper ID - 303585
Title: SUSTAINABLE SOLID WASTE MANAGEMENT IN RURAL LOCAL GOVERNANCE: INSTITUTIONAL DYNAMICS AND CHALLENGES IN WEST BENGAL
Author Name(s): Priyanka Malakar
Publisher Journal name: IJCRT
Volume: 14
Issue: 3
Pages: g19-g25
Year: March 2026
Downloads: 54
The management of solid waste has emerged as a critical environmental and governance challenge in developing countries like India, particularly in rural areas where institutional capacities remain limited. While urban waste management has received substantial policy attention, rural regions continue to face systemic neglect despite increasing waste generation due to demographic expansion and changing consumption patterns. This paper examines the status, institutional framework, and governance dynamics of sustainable solid waste management (SWM) in rural West Bengal, with a specific focus on Panchayati Raj Institutions (PRIs). Drawing upon secondary data from official reports, policy documents, and existing literature, the study adopts a mixed-method analytical framework to explore the relationship between local governance and waste management outcomes. The findings reveal that although regulatory frameworks such as the Solid Waste Management Rules, 2016, and state-level initiatives have created a formal structure, their implementation remains uneven across districts. A few Gram Panchayats have demonstrated notable success through participatory governance and collaboration with civil society, whereas many others continue to struggle due to lack of infrastructure, financial constraints, and limited administrative capacity. The paper argues that sustainable waste management in rural areas is fundamentally a governance issue, requiring effective decentralization, community participation, and institutional accountability. Strengthening local governance mechanisms and promoting behavioral change at the grassroots level are essential for ensuring long-term environmental sustainability and public health.
Licence: creative commons attribution 4.0
Solid Waste Management, Rural Governance, Panchayats, Sustainability, West Bengal
Paper Title: Compact Monopole Circular Shape Ultra Wide Band Microstrip Patch Antenna for Wireless Applications
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT2603722
Register Paper ID - 303680
Title: COMPACT MONOPOLE CIRCULAR SHAPE ULTRA WIDE BAND MICROSTRIP PATCH ANTENNA FOR WIRELESS APPLICATIONS
Author Name(s): Ashi Srivastava, Prashant Pandey, Rajendra Prasad Rao
Publisher Journal name: IJCRT
Volume: 14
Issue: 3
Pages: g13-g18
Year: March 2026
Downloads: 48
Licence: creative commons attribution 4.0
Microstrip patch antenna, Ultra Wide band Antenna, Return Loss, Radiation Patterns.
Paper Title: MEDIBOT: A Voice-Controlled Smart Tablet Dispenser for Enhanced Medication Adherence
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT2603721
Register Paper ID - 303053
Title: MEDIBOT: A VOICE-CONTROLLED SMART TABLET DISPENSER FOR ENHANCED MEDICATION ADHERENCE
Author Name(s): N. Anuratha, T. Divya Manohari
Publisher Journal name: IJCRT
Volume: 14
Issue: 3
Pages: g6-g12
Year: March 2026
Downloads: 59
Medication non-adherence is a significant healthcare challenge, particularly among elderly patients and those with chronic conditions requiring multiple daily doses. This paper presents MEDIBOT, an innovative voice-controlled tablet dispensing system designed to improve medication compliance through hands-free operation and intuitive user interaction. The proposed system integrates an Arduino Uno microcontroller with a VC02 offline voice recognition module, enabling users to dispense medications using simple voice commands without internet connectivity. The system features a dual-servo mechanism for precise tablet selection and dispensing, LED indicators for operational feedback, and a rechargeable lithium-ion battery system ensuring portability. The device supports two operational modes--feeding mode for loading medications and dispensing mode for releasing tablets--switchable via a manual push button. Experimental results demonstrate reliable voice recognition accuracy and consistent tablet dispensing performance, making MEDIBOT a promising solution for assisted living facilities, home healthcare, and patients with mobility impairments.
Licence: creative commons attribution 4.0
Medication dispensing, Voice recognition, Arduino, Healthcare automation, Embedded systems, VC02 module, Servo motor control
Paper Title: CONCEPTUAL AND CLINICAL EVALUATION OF SATTVAVAJAYA CHIKITSA IN MANOAVASADA WITH REFERENCE TO BREAST CANCER - A QUALITATIVE RESEARCH
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT2603720
Register Paper ID - 303753
Title: CONCEPTUAL AND CLINICAL EVALUATION OF SATTVAVAJAYA CHIKITSA IN MANOAVASADA WITH REFERENCE TO BREAST CANCER - A QUALITATIVE RESEARCH
Author Name(s): Dr. Rekha. Korlahalli, Dr. Savita Sajjan
Publisher Journal name: IJCRT
Volume: 14
Issue: 3
Pages: g1-g5
Year: March 2026
Downloads: 48
Ayurveda defines health as a balanced state of Sharira, Indriya, Satva, and Atma, highlighting the importance of mental well-being. Manoavasada, a Manasika Vyadhi, is increasingly observed in breast cancer patients due to psychological stress. Charaka Samhita states "Vishado Rogavardhananam," indicating that depression aggravates disease conditions. Satvavajaya Chikitsa, a form of Trividha Chikitsa, aims at controlling the mind through Ahitebhyo Arthebhyo Manonigraha. A clinical study was conducted on 30 breast cancer patients with symptoms of Manoavasada. Satvavajaya Chikitsa was administered for 15 days with a 15-day follow-up. The therapy included Jnana, Buddhi, Manonigraha, Dhairya, Manoprasadana, and Atmavijnana. Assessment was done using the Hamilton Depression Rating Scale (HDRS). Results showed significant improvement in depressed mood, Chinta, Bhaya, Shoka, and Anidra. The mean HDRS score reduced from 31.63 to 10.86 (p < 0.001). Satvavajaya Chikitsa is an effective non-pharmacological supportive therapy for improving mental health in breast cancer patients.
Licence: creative commons attribution 4.0
Satvavajaya Chikitsa, Manoavasada, Breast Cancer, HDRS.
Paper Title: The Rise of Digital Payments: Has UPI Reduced Cash Dependence?
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT2603719
Register Paper ID - 303700
Title: THE RISE OF DIGITAL PAYMENTS: HAS UPI REDUCED CASH DEPENDENCE?
Author Name(s): Anshika Bindal
Publisher Journal name: IJCRT
Volume: 14
Issue: 3
Pages: f989-f998
Year: March 2026
Downloads: 51
This study examines whether the rapid adoption of Unified Payments Interface (UPI) has reduced India's dependence on cash transactions. Using primary survey data collected from respondents aged 15-70 across varied occupational groups, the paper analyses patterns in payment behaviour and the socio-economic factors influencing them. Descriptive statistics and chi-square tests are employed to examine the relationship between demographic variables specifically age and occupation and mode of payment (digital or cash). The findings indicate a strong and statistically significant association between these variables and payment choices, highlighting UPI's growing dominance in everyday transactions. While digital payments have clearly expanded financial inclusion and convenience, the persistence of cash usage among certain groups suggests that India is transitioning rather than fully moving away from cash. The paper concludes that UPI has substantially reduced reliance on cash, though structural and behavioural factors continue to shape payment preferences.
Licence: creative commons attribution 4.0
Digital Payment, UPI-Unified Payments, Payment Behaviour
Paper Title: Rare Ragas Handled By The Contemporary Composers
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT2603718
Register Paper ID - 303693
Title: RARE RAGAS HANDLED BY THE CONTEMPORARY COMPOSERS
Author Name(s): S.M.Vilasini, Dr.M.Lalitha, Dr.S.Sophia
Publisher Journal name: IJCRT
Volume: 14
Issue: 3
Pages: f985-f988
Year: March 2026
Downloads: 50
Carnatic Music is a holistic form of music because of the presence of innumerable compositions in different ragas, talas and languages by Composers from different time periods. While there have been many compositions composed in popular ragas, the contemporary composers have explored the rare ragas through their compositions. This study aims at a short analysis of the rare ragas handled by six contemporary composers.
Licence: creative commons attribution 4.0
Carnatic Music, Composers, Contemporary Composers, Ragas, Rare Ragas, G.N.Balasubramanian, Lalgudi.G.Jayaraman, M.Balamuralikrishna, K.Ramaraj, Kalyani Varadarajan, Ashok Madhav
Paper Title: Negotiating Tradition And Modernity: Changing Practices Of Hunting Festival (Disom Sendra) Among The Santals
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT2603717
Register Paper ID - 303558
Title: NEGOTIATING TRADITION AND MODERNITY: CHANGING PRACTICES OF HUNTING FESTIVAL (DISOM SENDRA) AMONG THE SANTALS
Author Name(s): Anjan Maji
Publisher Journal name: IJCRT
Volume: 14
Issue: 3
Pages: f978-f984
Year: March 2026
Downloads: 58
The Santal community, one of the largest Indigenous tribal groups in India, maintains a rich cultural heritage closely connected with nature and traditional socio-religious practices (Singh 1994; Vidyarthi and Rai 1985). Among their important cultural traditions, the hunting festival known as Disom Sendra represents a significant collective ritual expressing community identity, ecological knowledge, and social unity (Bose 1971). Traditionally, the festival combined ritual worship, collective hunting, music, dance, and communal gathering, symbolizing the close relationship between humans and the forest environment. However, socio-economic change, environmental awareness, and wildlife conservation regulations introduced under the Wildlife Protection Act (Government of India 1972) have gradually transformed its traditional practices. This study examines the transition of the festival from actual hunting activities toward symbolic cultural expression. Using qualitative ethnographic approaches and oral narratives, the research highlights how the Santal community negotiates tradition and modernity while preserving cultural identity and sustaining the festival as an important form of living intangible cultural heritage.
Licence: creative commons attribution 4.0
Keywords:- Disom Sendra; Santal Community; Hunting Festival; Cultural Transformation; Indigenous Culture; Ajodhya Hills; Intangible Cultural Heritage.
Paper Title: Advanced Supply Chain Demand Forecasting Using Machine Learning
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT2603716
Register Paper ID - 303651
Title: ADVANCED SUPPLY CHAIN DEMAND FORECASTING USING MACHINE LEARNING
Author Name(s): P. ALEKYA, Y. VINOD KUMAR, R. ROHITH, D. UDAY KIRAN, S. Venkata Meena
Publisher Journal name: IJCRT
Volume: 14
Issue: 3
Pages: f972-f977
Year: March 2026
Downloads: 56
Demand forecasting is a critical component in modern supply chain management, enabling organizations to optimize inventory levels, reduce costs, and enhance customer satisfaction. Traditional forecasting techniques often fail to capture complex patterns and dynamic market conditions. This paper proposes a machine learning-based demand forecasting system using time series analysis and the SARIMAX model. The system incorporates data pre processing, feature engineering, and model evaluation using performance metrics such as MAE, RMSE, and MAPE. Additionally, a Flask based web application is developed for real-time forecasting and visualization.
Licence: creative commons attribution 4.0
Machine Learning, Demand Forecasting, Supply Chain Management, SARIMAX, Time Series Analysis
Paper Title: Nutri Fusion X: A Smart Non-Destructive Multi-Sensor System for Fruit and Vegetable Quality Inspection System.
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT2603715
Register Paper ID - 303301
Title: NUTRI FUSION X: A SMART NON-DESTRUCTIVE MULTI-SENSOR SYSTEM FOR FRUIT AND VEGETABLE QUALITY INSPECTION SYSTEM.
Author Name(s): Abhay Santosh Tak, Sonali S. Panchal
Publisher Journal name: IJCRT
Volume: 14
Issue: 3
Pages: f962-f971
Year: March 2026
Downloads: 64
The quality assessment of fruits and vegetables is essential for ensuring food safety and reducing post-harvest losses. Traditional methods such as visual inspection and laboratory testing have several limitations. Visual inspection can only evaluate the external appearance and cannot detect internal spoilage, hidden damage, or contamination, while laboratory testing is costly, destructive, and time-consuming. This paper presents Nutri Fusion X, a smart non-destructive fruit and vegetable quality inspection system based on multi-sensor technology and IoT. The system integrates gas, optical, UV, NIR sensors, ultrasonic sensing, and image analysis to evaluate fruit freshness, ripeness, spoilage, pesticide contamination, and internal damage (e.g., bruises or soft spots) without cutting the fruit. An ESP32 microcontroller processes sensor data and transmits results in real time to a mobile application via Wi-Fi. The application displays quality indicators, including freshness percentage, ripeness level, spoilage risk, and safety alerts. The proposed system is portable, low-cost, and user-friendly, making it suitable for farmers, vendors, and the food industry while helping to reduce food waste and improve food quality monitoring.
Licence: creative commons attribution 4.0
Fruit Quality Detection, IoT, ESP32, Multi-Sensor System, Non-Destructive Testing, Smart Agriculture, Food Safety, Image Processing
Paper Title: Emerging trends shaping the future of the electric vehicle industry
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT2603714
Register Paper ID - 303511
Title: EMERGING TRENDS SHAPING THE FUTURE OF THE ELECTRIC VEHICLE INDUSTRY
Author Name(s): A. ANITHA BEGUM,, Dr.C. GOMATHY
Publisher Journal name: IJCRT
Volume: 14
Issue: 3
Pages: f954-f961
Year: March 2026
Downloads: 59
India's Electric Vehicle (EV) sector is experiencing rapid growth, fuelled by government incentives, rising environmental concerns and technological advancements. With initiatives like the Faster Adoption and Manufacturing of Hybrid and Electric Vehicles (FAME) scheme, India aims to significantly increase EV adoption, revolutionizing its transportation landscape towards sustainability and innovation. The country has set an ambitious target to elevate EV sales to 30% of private cars, 70% of commercial vehicles, 40% of buses and 80% of two- and three-wheelers by 2030, translating to approximately 80 million EVs on Indian roads, alongside a focus on complete domestic EV production through the 'Make in India' initiative. According to ICRA, India's auto component industry will get investments of Rs. 25,000-30,000 crore (US$ 2.89-3.46 billion) in FY26 for capacity expansion and EV parts, up from Rs. 15,000-20,000 crore (US$ 1.73-2.31 billion) in FY25.Due to the nearly low to zero carbon emissions, low noise, great efficiency, and flexibility in grid operation and integration, electric vehicles (EVs) are a viable technology for creating a sustainable transportation industry in the future.
Licence: creative commons attribution 4.0
Electric Vehicle, FAME Scheme, Government Incentives, Environmental Concerns, Technological Advancements, Financial Year
Paper Title: Financial Inclusion as a Catalyst for Rural Development: A Comprehensive Study
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT2603713
Register Paper ID - 303507
Title: FINANCIAL INCLUSION AS A CATALYST FOR RURAL DEVELOPMENT: A COMPREHENSIVE STUDY
Author Name(s): Mr. Kiran Kumar, Dr. Gagan Singh
Publisher Journal name: IJCRT
Volume: 14
Issue: 3
Pages: f946-f953
Year: March 2026
Downloads: 49
Financial inclusion has emerged as a cornerstone of sustainable development, particularly in rural economies where access to formal financial services remains limited. This paper explores the intricate relationship between financial inclusion and rural development, emphasizing how inclusive financial systems can empower marginalized communities, enhance entrepreneurship, and foster socio-economic growth. Despite significant policy interventions, rural populations in many developing countries continue to face barriers such as inadequate infrastructure, low financial literacy, and socio-cultural constraints. Through a systematic review of existing literature, this study highlights the evolution of financial inclusion research, identifies gaps in rural outreach, and underscores the transformative potential of digital finance. The need and scope of the study are rooted in the recognition that rural development cannot be achieved without equitable access to credit, insurance, savings, and payment systems. The objectives include analysing the role of financial inclusion in rural empowerment, evaluating policy frameworks, and proposing recommendations for strengthening rural financial ecosystems. Methodologically, the paper adopts a qualitative approach, synthesizing secondary data from scholarly articles, government reports, and international development agencies. Findings suggest that financial inclusion enhances rural resilience by promoting entrepreneurship, reducing poverty, and enabling social mobility. However, challenges such as digital divides, gender disparities, and institutional inefficiencies persist. Recommendations include strengthening financial literacy programs, leveraging fintech innovations, and fostering public-private partnerships. The conclusion reiterates that financial inclusion is not merely a policy goal but a developmental imperative for achieving inclusive growth in rural economies.
Licence: creative commons attribution 4.0
Financial Inclusion, Rural Development, Digital Finance, Financial Literacy, Poverty Reduction, Entrepreneurship, Inclusive Growth
Paper Title: Enhancing Photovoltaic Efficiency Using Advanced Cooling Technologies: A Review and Experimental Insight
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT2603712
Register Paper ID - 303736
Title: ENHANCING PHOTOVOLTAIC EFFICIENCY USING ADVANCED COOLING TECHNOLOGIES: A REVIEW AND EXPERIMENTAL INSIGHT
Author Name(s): MAYANK KUMAR TIWARI, Hari Shankar Singh
Publisher Journal name: IJCRT
Volume: 14
Issue: 3
Pages: f941-f945
Year: March 2026
Downloads: 73
Abstract-- The efficiency of photovoltaic (PV) systems is significantly influenced by operating temperature. Elevated temperatures reduce power output and overall system performance. This paper presents a comprehensive study on modern PV cooling technologies with a focus on improving energy efficiency and sustainability. Various cooling techniques, including passive, active, and hybrid methods, are reviewed. Additionally, a conceptual experimental setup for a hybrid PV cooling system is proposed. The findings highlight the importance of thermal management in solar energy systems and demonstrate the potential of emerging cooling technologies in enhancing PV efficiency.
Licence: creative commons attribution 4.0
Photovoltaic systems, cooling techniques, renewable energy, thermal management, solar efficiency, hybrid cooling.
Paper Title: AI-Based Personalized Fitness and Wellness Coach Using Machine Learning
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT2603711
Register Paper ID - 303631
Title: AI-BASED PERSONALIZED FITNESS AND WELLNESS COACH USING MACHINE LEARNING
Author Name(s): L.Srevika, G.Harshitha, K.Vardhan, G.Pranaykumar, J.Akash
Publisher Journal name: IJCRT
Volume: 14
Issue: 3
Pages: f935-f940
Year: March 2026
Downloads: 56
Maintaining physical fitness is essential for a healthy lifestyle, yet many individuals lack access to personalized fitness guidance. Traditional fitness applications often provide generic workout plans that do not consider individual characteristics such as age, body parameters, and fitness goals. With the advancement of Artificial Intelligence (AI) and Machine Learning (ML), intelligent systems can now analyze user data and generate customized health recommendations.This paper proposes an AI-based Personalized Fitness and Wellness Coach that provides tailored workout recommendations using machine learning techniques. The system collects user inputs including age, height, weight, gender, and fitness goals through a web interface. These inputs are processed by a machine learning model trained on a fitness dataset to generate suitable workout and wellness recommendations. The proposed system is implemented as a web application using Python Flask for backend processing and HTML, CSS, and Bootstrap for the frontend interface.The developed system demonstrates how AI can be applied to create intelligent and accessible fitness guidance platforms. The results show that the proposed system effectively generates personalized fitness plans and improves user engagement with healthy lifestyle practices. The system can be further enhanced by integrating wearable fitness devices and advanced AI models for real-time health monitoring.
Licence: creative commons attribution 4.0
Artificial Intelligence, Machine Learning, Fitness Recommendation System, Personalized Healthcare, Flask Web Application
Paper Title: Design and Implementation of a Model Context Protocol (MCP) for Context-Aware AI Agents
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT2603710
Register Paper ID - 303175
Title: DESIGN AND IMPLEMENTATION OF A MODEL CONTEXT PROTOCOL (MCP) FOR CONTEXT-AWARE AI AGENTS
Author Name(s): Krishna V Gor, Ms Hardika Menghani
Publisher Journal name: IJCRT
Volume: 14
Issue: 3
Pages: f926-f934
Year: March 2026
Downloads: 98
Artificial Intelligence (AI) agents increasingly require context awareness to interact with dynamic environments and make intelligent decisions. The Model Context Protocol (MCP) is a standardized mechanism that enables AI agents to access contextual information, tools, and data sources seamlessly. This paper proposes the design and implementation of an MCP-enabled context-aware architecture for AIML-based agents to effectively manage context and improve decision-making. We integrate MCP into traditional AIML conversational agents--enhancing their ability to retrieve external context, maintain semantic coherence, and perform real-time reasoning. Experimental evaluations on response accuracy, context consistency, and scalability demonstrate significant improvements over baseline AIML agents. The contributions include a detailed system architecture, protocol integration methodology, and analysis of context-aware performance in interactive sessions.
Licence: creative commons attribution 4.0
AIML, Context-Aware AI Agents, JSON-RPC, Model Context Protocol (MCP), Agent Communication Protocols
Paper Title: CREATING ALERT MESSAGE BASED ON WILDANIMAL ACTIVITY DETECTION USING HYBRID DEEP NEURON NETWORKS
Publisher Journal Name: IJCRT
Published Paper ID: - IJCRT2603709
Register Paper ID - 303304
Title: CREATING ALERT MESSAGE BASED ON WILDANIMAL ACTIVITY DETECTION USING HYBRID DEEP NEURON NETWORKS
Author Name(s): Mr. K. Hari Kesava, Mr. Karthik Reddy, Mr. K. Pavan Siva Guru Chaitanya, Mrs. P. Shyamala
Publisher Journal name: IJCRT
Volume: 14
Issue: 3
Pages: f920-f925
Year: March 2026
Downloads: 63
To control wildlife and protect its resources, specific identification and behavioural patterns of animal species are required to better comprehend processes in the ecology and to guarantee environmental safety. The traditional methods of monitoring rely wholly on manual observation, which is time-consuming and requires a lot of labour and is prone to human error. In order to remove such constraints, the current study suggests a self-driven framework of identifying the animal species and behaviour through a combination of spatial and temporal features analysis with the assistance of deep learning. A set of 40,000 images of 25 animal species is obtained by assembling three reference repositories and is pre-processed in ways like resizing, normalization, and data augmentation to improve the quality, consistency, and ratio of data. The suggested framework uses the VGG19 convolutional neural network to obtain highlevel spatial features, such as textures and edges, as well as the shape representations. The features extracted are then fed into a Bidirectional Long Short-Term Memory (BiLSTM) network in order to take advantage of the relationships of time by carrying out forward and backward analysis of sequential patterns of the features. The hybrid VGG-19 and Bi-LSTM architecture can be useful in the classification of animal species as well as their respective behavioural activities. Also, an automatic warning system that is active in real-time is provided to impound possible risky behaviour, and active surveillance and intervention in the environment are easy in what concerns wildlife. By experimental analysis, it is proved that the suggested system attains high classification rate and high stability through effective integration of spatial and temporal features learning and can be used in the real-life wild life monitoring and conservation.
Licence: creative commons attribution 4.0
Animal detection, VGG-19, Bidirectional Long Short-Term Memory, Deep learning.
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.
Indexing In Google Scholar, ResearcherID Thomson Reuters, Mendeley : reference manager, Academia.edu, arXiv.org, Research Gate, CiteSeerX, DocStoc, ISSUU, Scribd, and many more International Journal of Creative Research Thoughts (IJCRT) ISSN: 2320-2882 | Impact Factor: 7.97 | 7.97 impact factor and ISSN Approved. Provide DOI and Hard copy of Certificate. Low Open Access Processing Charges. 1500 INR for Indian author & 55$ for foreign International author. Call For Paper (Volume 14 | Issue 5 | Month- May 2026)

