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Conference Proceeding - Financial Services in India-Opportunities, Issues and Challenges.
Volume 12 | Issue 8

  Paper Title: Micro Finance: SHG-Bank Link Programme- Some Analytical Issues

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02031

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02031

  Register Paper ID - 267326

  Title: MICRO FINANCE: SHG-BANK LINK PROGRAMME- SOME ANALYTICAL ISSUES

  Author Name(s): Dr K Hari Kishan, IVS Murthy

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 224-230

 Year: August 2024

 Downloads: 112

 Abstract

The process of economic development is crucially dependent upon the availability of timely and cost-effective credit for production purposes. It is observed that in developing countries, lack of credit is the main cause of untapped entrepreneurial skills and low levels of income and standards of living. It has been a long-held view that the rural masses are unbankable customers and hence the formal credit providing institutions like the commercial banks were not ready to lend these customers, numerous in number, but insignificant in the amounts they deal with. It is generally held that the transaction costs of these accounts would be far greater than the business that can be generated. Thus, many of the poor families in rural, semi-urban, and urban areas were forced to depended on the informal sector for their credit needs, both for production and consumption purposes. This entailed higher interest rates, stringent repayment conditions, which often resulted in the loss of assets when the borrowers failed to make the repayments. In section II of the paper, we explain the genesis of the microfinance institutions, and important milestones in their development in India during 2010 and 2022. Section III discusses the SHG-Bank Linkage Programme initiated to strengthen the microfinance movement in India. Section IV explains the regional dimensions of this programme and the lacune therein. Section V explains the development of SHG-Bank Linkage programme in the state of Andhra Pradesh. Section VI concludes.


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Micro Finance: SHG-Bank Link Programme- Some Analytical Issues

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  Paper Title: Role of Self Help Groups in Financial Empowerment in Andhra Pradesh

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02030

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02030

  Register Paper ID - 267325

  Title: ROLE OF SELF HELP GROUPS IN FINANCIAL EMPOWERMENT IN ANDHRA PRADESH

  Author Name(s): B.Santhosh Kumar Naik, Dr.K.Suneetha

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 215-223

 Year: August 2024

 Downloads: 105

 Abstract

The women constitute not only half the world population but also sway the growth of the remaining half. They produce half the world food supply and account for 60 per cent of the working force but comprise only about 30 per cent of the official labour force, receive benefits of only 10 per cent of the world economy and surprisingly own less than 1 per cent of the world real estate. They have little access to productive resources and negligible control over family income. This discrimination is the result of the gender bias malpractices prevalent in Indian societies. There are cases of female foetus termination, killing the girl child at birth, less nutrition, medical care, education and freedom due to preference for the male child, marriage before puberty, dowry death, legal discrimination, professions exclusively earmarked for men, precarious widow life, etc. while such practices and activities are prevalent in Indian society, they are fortunality not the lot of every Indian women and are confined to certain communities and section of society. The women form a nation's significant human resource. The women are now ready to do all business and enter all professions like trade, industry, engineering etc. The role and participation of women are recognized and steps are being taken for the promotion of women entrepreneurship, the women must be shaped up properly with other entrepreneurial traits and skills to face the challenges of world markets, meet the changes in the trends, be competent enough to sustain and strive for excellence in the entrepreneurial field.


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Role of Self Help Groups in Financial Empowerment in Andhra Pradesh

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  Paper Title: MARITIME TRADE AND COMMERCE IN MEDIEVAL ANDHRA FROM 10th TO 15th CENTURY A.D.

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02029

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02029

  Register Paper ID - 267151

  Title: MARITIME TRADE AND COMMERCE IN MEDIEVAL ANDHRA FROM 10TH TO 15TH CENTURY A.D.

  Author Name(s): Dr.Dudekonda Ramanjineyulu

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 207-214

 Year: August 2024

 Downloads: 129

 Abstract

The Andhras and the Andhra rulers, since ancient times, showed unsatiable keenness and care in fostering trade, commerce and industry. `` Andhra Desa and the Andhras``, states V. Yosodadevi, had a profound role in moulding India culture through the ages. Andhras` contribution in the making of Greater India is nothing short of a marvel. The trade and commerce and maritime activities of the Andhras started as early as the seventh century B.C. and continued upto the beginning of the nineteenth century. They enjoyed their heydays under the Andhra Satavahanas, the Kakatiyas, the Reddis, the Rayas (Vijayanagara kings) and the Qutub-shahis through normal conditions prevailed under the Iksvakus, the Salankayanas and the Vengi Chalukyas.1 A brief survey of the trade, commerce and industry of the Andhras through the ages in general and that of the period under our consideration in particular is essential to understand in proper perspective the corporate activities of the guilds.


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MARITIME TRADE AND COMMERCE IN MEDIEVAL ANDHRA FROM 10th TO 15th CENTURY A.D.

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  Paper Title: E-RUPI

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02028

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02028

  Register Paper ID - 267009

  Title: E-RUPI

  Author Name(s): DVKS LAKSHMI MA

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 202-206

 Year: August 2024

 Downloads: 127

 Abstract

The digital Rupee or E-Rupee is tokenised digital version of Indian Rupee, issued by the Reserve Bank of India (RBI) as a central bank digital currency (CBDC). The Digital Rupee was proposed in January 2017 by a inter-ministerial committee. It was formed under the Department of Economic Affairs in Ministry of Finance and recommended a digital form of fiat currency. The Department of Financial Services of MoF (Metal Organic Form), Ministry of Electronics and Information Technology and the RBI were invited to look into legal and technological development of CBDC. After RBI announcing sandbox to test next generation technologies to benefit the financial ecosystem, the Indian Government proposed a bill to ban trading and investments in crypto currencies while giving legal power to RBI for developing CBDC. As per the Currency and Finance Report of 2021 released by RBI, CBDC backed by the sovereign must promote non-anonymity transactions and financial inclusion by direct transfers. Even though RBI was planned to trial the initial stage of CBDC from December 2021, the Government of India worked on amendments of The coinage Act(2011), FEMA Act (1999), IT Act( 2000) and Crypto currency and Regulation of Official Digital Currency Bill, 2021 to govern CBDC in the economy. National Payments Corporation of India (NPCI) in association with Department of Financial Services (DFS), Ministry of Health and Family Welfare (MoHFW), National Health Authority (NHA) and partner banks, together associated in the development of 'e- RUPI'. The pilot in this whole background, known as the Digital Rupee or E-Rupee was launched on 1 November 2022. The launch of the digital rupee represents a significant advancement in the "Digital India" revolution.


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  Paper Title: A STUDY ON CRYPTOCURRENCIES AND ITS EXCHANGES IN INDIA

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02027

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02027

  Register Paper ID - 267010

  Title: A STUDY ON CRYPTOCURRENCIES AND ITS EXCHANGES IN INDIA

  Author Name(s): Dr. Gangineni Dhananjhay, Ms. N. Shalini

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 198-201

 Year: August 2024

 Downloads: 81

 Abstract

Cryptocurrency, also called crypto, form of currency that exists digitally or virtually. It uses cryptography to secure transactions. Cryptocurrencies don't have a central issuing or regulating authority such as RBI.It uses a decentralized system to record transactions and issue new units. Cryptocurrency is a digital payment system that doesn't rely on banks to verify transactions. It's a peer-to-peer system that can enable anyone anywhere to send and receive payments. There is no physical (P2P) money carried around and exchanged in the real world, cryptocurrency payments exist purely as digital entries to an online database describing specific transactions. When you transfer cryptocurrency funds, the transactions are recorded in a public ledger. Cryptocurrency is stored in digital wallets.


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A STUDY ON CRYPTOCURRENCIES AND ITS EXCHANGES IN INDIA

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  Paper Title: COMPARATIVE STUDY OF TRADITIONAL FINANCE AND BEHAVIOUR FINANCE

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02026

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02026

  Register Paper ID - 267013

  Title: COMPARATIVE STUDY OF TRADITIONAL FINANCE AND BEHAVIOUR FINANCE

  Author Name(s): Smt. Meenakshi M Huggi

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 192-197

 Year: August 2024

 Downloads: 113

 Abstract

Behavioral Finance just as the name suggests, yes it basically deals with how typically human beings behave when it comes to handling different financial decisions. However, it is not that simple and as such, there is an entire subject dedicated to behavioural finance. But, strangely the subject was not officially recognized only until the year 2002 when Daniel Kahneman was awarded the Nobel Prize in Economic Sciences. He is one of the founding fathers of behavioural finance. The mere ignorance of the subject per se until so late speaks volume about strong human behavioural bias. Unlike a classical financial theory, behavioural finance expects individuals to be more influenced by their emotions or reasonable biases rather than taking the rational approach. There are a large number of brains who are not quite willing to accept this discipline as it is often found to be more complex, instinctive, abstract etc. Further, the denial for the discipline is also because it can create doubt in the minds of many about the decisions of sophisticated investors and professional advisors. Behavioral finance suggests that the structure of information and characteristics of participants of the market can play an essential role in the decision making of the investor as well as the overall outcome of the market. Behavioral Finance is about making the right decisions that are free from any kind of biases and errors. It helps in understanding investor behavior better and helps in improving the financial capability of individuals.


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COMPARATIVE STUDY OF TRADITIONAL FINANCE AND BEHAVIOUR FINANCE

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  Paper Title: LIQUIDITY ANALYSIS OF SELECT STEEL COMPANIES IN INDIA

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02025

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02025

  Register Paper ID - 267014

  Title: LIQUIDITY ANALYSIS OF SELECT STEEL COMPANIES IN INDIA

  Author Name(s): Bhuwaneshwari R

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 183-191

 Year: August 2024

 Downloads: 110

 Abstract

Steel plays a significant part in the construction industry. Being the skeleton of the design, it provides fundamental support and strength. Steel is a mixture of iron, carbon, and a variety of other elements. They feature great tensile strength and structural integrity, making them one-of-a-kind. Steel is highly regarded for its long-term durability that contributes to prolonging shelf life.India has been known for its steel and iron production and it has been ranked in 2ndposition in global manufacturing in terms of steel production and export. It is a fact that steel is one of the most important facts in the infrastructure growth of a country and India is one of the best examples. In 2023, India produced 128.15 million tonnes (MT) of crude steel, up 12.1% year-on-year. Steel has an employment multiplier effect of 6.8x while it has an output multiplier effect of 1.4x. Further, India has now overtaken Japan to become the world's second largest producer of crude steel, producing more than 100 MT of it each year. Steel now contributes about 2% to India's GDP and employs some 6 lakh people directly and 20 lakh people indirectly. Against this background, the researcher has made an attempt to analyse the liquidity and solvency analysis of the top 5 steel companies in India. For the analysis purpose, ratio analysis and CAGR is used. This paper includes five sections, FirstSection gives Introduction, Review of literature, objective of the study, Research methodology. SecondSectionConceptual background. ThirdSectionserves brief profile of selected top 5 steel companies in India. FourthSection consists of Results and Analysis. And the Fifth & last sectionprovides findings and suggestions.


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LIQUIDITY ANALYSIS OF SELECT STEEL COMPANIES IN INDIA

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  Paper Title: A Comparative Study on Dematerialization and Moonlighting in Modern Work Environment

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02024

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02024

  Register Paper ID - 267015

  Title: A COMPARATIVE STUDY ON DEMATERIALIZATION AND MOONLIGHTING IN MODERN WORK ENVIRONMENT

  Author Name(s): DR.J. CHITHRALEGA

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 176-182

 Year: August 2024

 Downloads: 96

 Abstract

The changes in the financial and job landscapes have changed how people handle their assets and careers. Two examples of the marriage between dematerialization and moonlighting also highlight some new ways in which technology, labor flexibility, and economic behavior have begun to intersect. Dematerialization : The process of converting physical securities and shares into an electronic form. Moving from paper certificates to digital records has significantly simplified the financial sector and consequently made access, security, efficiency better. No, it is not moonlighting. Also, the trend has been fueled by the fast-growing Gig economy and remote work opportunities which have allowed professionals to earn from multiple sources as well as diversify their skills.


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A Comparative Study on Dematerialization and Moonlighting in Modern Work Environment

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  Paper Title: THE ROLE OF MICROFINANCE IN WOMEN'S EMPOWERMENT

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02023

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02023

  Register Paper ID - 267016

  Title: THE ROLE OF MICROFINANCE IN WOMEN'S EMPOWERMENT

  Author Name(s): S. Haritha, Prof. M. Venkateswarlu

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 172-175

 Year: August 2024

 Downloads: 99

 Abstract

Microfinance is a type of banking service that provides financial assistance to low-income individuals and small businesses who lack access to conventional banking services. Microfinance institutions (MFIs) offer a range of financial services, including microloans, savings and checking accounts, microinsurance, and payment systems. Microfinance is not a new concept it has roots in the 18th century, with the Irish Loan Fund system introduced by Jonathan Swift. However, the modern concept of microfinance gained popularity in the 1970s. The Grameen Bank, founded by Muhammad Yunus in Bangladesh in 1983, is often credited with popularizing microfinance. The bank's success led to the establishment of microfinance institutions worldwide.


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THE ROLE OF MICROFINANCE IN WOMEN'S EMPOWERMENT

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  Paper Title: RECENT TRENDS AND DEVELOPMENTS IN THE INDIAN FINANCIAL SECTOR

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02022

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02022

  Register Paper ID - 267017

  Title: RECENT TRENDS AND DEVELOPMENTS IN THE INDIAN FINANCIAL SECTOR

  Author Name(s): Dr. M. BABU RAO, Dr. K. MAHENDRA KUMAR

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 165-171

 Year: August 2024

 Downloads: 123

 Abstract

The Government of India has introduced several reforms to liberalize, regulate and enhancethis industry. The Government and Reserve Bank of India (RBI) have taken various measures to facilitate easy access to finance for Micro, Small, and Medium Enterprises (MSMEs). These measures include launching Credit Guarantee Fund Scheme for MSMEs, issuing guidelines to banksregarding collateral requirements, and setting up a Micro Units Development and Refinance Agency (MUDRA). With a combined push by Government and private sector, India s undoubtedly one of the world's most vibrant capital markets.


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RECENT TRENDS AND DEVELOPMENTS IN THE INDIAN FINANCIAL SECTOR

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  Paper Title: TYPES OF FINANCIAL SERVICES IN INDIA

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02021

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02021

  Register Paper ID - 267018

  Title: TYPES OF FINANCIAL SERVICES IN INDIA

  Author Name(s): Dr. T. Hanumantha Rao

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 158-164

 Year: August 2024

 Downloads: 107

 Abstract

The Indian financial services industry has undergone a metamorphosis since1990. Before itsemergence the commercial banks and other financial institutions dominated the field and they metthe financial needs of the Indian industry. It was only after the economic liberalisation that thefinancial service sector gained some prominence. Now this sector has developed into an industry.In fact, one of the world's largest industries today is the financial services industry. The term "financial services" is an umbrella concept for a range of financial services provided by the industry. Owing to its sheer massiveness in the number of services provided and the demand drivers, the financial services sector in India is witnessing an upward trajectory. With numerous job opportunities available, a simple financial analysis course can put you on the track to success in the field of finance as a financial analyst.


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TYPES OF FINANCIAL SERVICES IN INDIA

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  Paper Title: Revolutionizing Financial Services: The Rise and Impact of Embedded Finance

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02020

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02020

  Register Paper ID - 267019

  Title: REVOLUTIONIZING FINANCIAL SERVICES: THE RISE AND IMPACT OF EMBEDDED FINANCE

  Author Name(s): K.Sunitha, Tushali Ranjan

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 148-157

 Year: August 2024

 Downloads: 122

 Abstract

The financial services industry is undergoing a seismic shift driven by the emergence of embedded finance. This research delves into the phenomenon of integrating financial services like payments, lending, and insurance within non-financial platforms. We explore the factors propelling the rise of embedded finance, including advancements in open banking APIs and the desire for a more convenient and contextual user experience. This paper examines the multifaceted impact of embedded finance. Consumers benefit from frictionless transactions within familiar platforms, potentially leading to increased financial literacy by integrating financial tools into everyday activities. Businesses gain access to new revenue streams, enhanced customer loyalty, and opportunities to reach previously underserved markets. However, the paper acknowledges the challenges that come with this evolution. Regulatory frameworks need to adapt to ensure compliance and consumer protection in this interconnected ecosystem. Data privacy and security concerns require robust solutions to build trust with users accustomed to traditional institutions. The paper analyzes the potential competition and collaboration between established banks and nimble fintech companies within the embedded finance landscape. We explore successful examples across various industries, such as ride-hailing apps offering in-app payments and e-commerce platforms with buy-now-pay-later options. Analyzing these cases allows for a nuanced understanding of the specific benefits and challenges faced in each implementation.


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Embedded Finance, Financial Inclusion, Open Banking, Fintech, Customer Experience.

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  Paper Title: A Comparative Study on Financial Literacy of Gujarat with West Zone States in India

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02019

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02019

  Register Paper ID - 267020

  Title: A COMPARATIVE STUDY ON FINANCIAL LITERACY OF GUJARAT WITH WEST ZONE STATES IN INDIA

  Author Name(s): Aartiben S. Parmar, Dr. Vijay S. Jariwala, Pro. (Dr.) Kinjal Ahir

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 140-147

 Year: August 2024

 Downloads: 106

 Abstract

Financial literacy is an essential aspect for the economic development of any country nowadays. Financial literacy enhances an individual's financial knowledge, attitude, and behaviour as well as financial decision-making power. OECD(Organization for Economic Cooperation and Development) defines financial literacy as the ability to understand how to use money appropriatelyin India. NCFE (National Centre for Financial Education) provides information on financial literacy levels in each state and apart from this financialinclusion Insights. All financial literacy surveys conducted by this organization measure the level of financial literacy in every state of India. The present paper compares the high financial literacy among western zone states of India specially Gujarat state with other western zone states. Inorderto increase financial literacy, Reserve Bank of India (RBI) has allowed the lead banks of each district to open financial literacy centres According to the annual report of Reserve Bank of India, the number of financial literacy centres is as per the year.


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A Comparative Study on Financial Literacy of Gujarat with West Zone States in India

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  Paper Title: The Impact of Artificial Intelligence on the Financial Services Industry

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02018

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02018

  Register Paper ID - 267021

  Title: THE IMPACT OF ARTIFICIAL INTELLIGENCE ON THE FINANCIAL SERVICES INDUSTRY

  Author Name(s): Shri.Paramanand D. Kumbar, Miss. Kavita S.Shivappayyanamath

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 135-139

 Year: August 2024

 Downloads: 125

 Abstract

In the 21st century, our society is experiencing a technological revolution driven by artificial intelligence (AI). Especially in financial services, AI has begun to change the way we live, from banking transactions and stock investing to insurance and loan services. However, while AI brings tremendous convenience and efficiency gains, it also raises some new ethical and policy issues.


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The Impact of Artificial Intelligence on the Financial Services Industry

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  Paper Title: Transforming Economies: The Role of E-Money in the Financial Landscape

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02017

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02017

  Register Paper ID - 267022

  Title: TRANSFORMING ECONOMIES: THE ROLE OF E-MONEY IN THE FINANCIAL LANDSCAPE

  Author Name(s): Dr. Triveni P., Ms.Poojaa N.

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 127-134

 Year: August 2024

 Downloads: 115

 Abstract

This research examines the evolution and impact of electronic money (e-money) on the global financial market, with a specific focus on the Indian economy. E-money, a digital alternative to traditional currency, has significantly influenced various sectors by promoting financial inclusion, enhancing transparency, and reducing cash dependence. The research employs a mixed-method approach, integrating qualitative and quantitative analyses, and utilizes sentiment analysis on social media data to understand public perceptions of e- money. Results indicate a predominance of neutral sentiments (64%), with positive (9%) and negative (3%) sentiments highlighting both the benefits and concerns associated with e- money usage. The study finds that e-money has facilitated economic growth, improved financial services accessibility, and supported digital payment platforms' development. Furthermore, the future of e-money appears promising, driven by technological advancements, increased adoption, and evolving regulatory frameworks. However, addressing security concerns and enhancing user experience are crucial for maximizing e- money's potential. This study underscores the transformative role of e-money in shaping a digitally-driven financial ecosystem, promoting economic efficiency, and fostering inclusive growth.


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e-money, sentiment analysis, Indian economy, Finance

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  Paper Title: IMPACT OF MICROFINANCE ON RURAL POOR -A SELECT STUDY

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02016

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02016

  Register Paper ID - 267023

  Title: IMPACT OF MICROFINANCE ON RURAL POOR -A SELECT STUDY

  Author Name(s): Dr. B. Sandhya rani, J. Ramprasad

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 117-126

 Year: August 2024

 Downloads: 83

 Abstract

Microfinance as a mechanism for poverty alleviation is well recognized all over the world. If used properly it is an efficient and effective tool. In India still a significant proportion of the population lives under poverty. Somicrofinanceisaperfectmatchforaddressingthisproblem.Microfinanceisbasicallyfinancingforthepoorsothat they can engage themselves in various income generating activities and improve their social and economic status. Micro financing was introduced in the 1980s in India to help reduce poverty and provide women more economic independence. Microfinance has tremendous promise; however there are access problems in rural India. Microfinance, often called microcredit, is a banking service that extends credit to individuals and businesses with little or no income who would otherwise have no other way to access financial resources. To people who have problems gaining access to more conventional banking services, 'microfinance' serves as a welcome alternative. It's meant for those who are unemployed and/or living on a tight budget. Loans, bank accounts, and low-cost insurance are just some of the services that microfinance organizations provide. Microfinance has the potential to assist small businesses in developing countries like India prosper by providing greater financial stability, while the formal financial services sector is unable to meet the demands of the rural poor. While most microfinance institutions' primary function is to provide loans, many banks also offer micro insurance, savings accounts, and workshops on personal finance and company management. Microfinance's end goal is to help the poor achieve economic independence.


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IMPACT OF MICROFINANCE ON RURAL POOR -A SELECT STUDY

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  Paper Title: DIGITAL FINANCIAL SERVICES -CONSUMER BEHAVIOURAL SHIFTS IN THE INDIAN BANKING SECTOR

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02015

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02015

  Register Paper ID - 267024

  Title: DIGITAL FINANCIAL SERVICES -CONSUMER BEHAVIOURAL SHIFTS IN THE INDIAN BANKING SECTOR

  Author Name(s): Dr.P.VARALAKSHMI, SRI T.NARASIMHULU

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 108-116

 Year: August 2024

 Downloads: 102

 Abstract

Emerging technology is hastening the digital revolution in India's banking business, which is leading to a shift from traditional to convenience banking. Throughout the globe, including in India, there have been five distinct industrial revolutions that have helped advance the digital transformation of different sectors. Promoting digital financial services in the banking sector for financial inclusion has also had significance in GDP growth and employment creation. An Indian economic strategy to 2035, forecasts digital finance and is expected to boost the nation GDP to $950 billion and create 21 million new jobs in India by 2025. By making safe and quick basic banking services available to everybody, digital financial services are aimed at bridging the digital gap between rural and urban India. Digital Banking financial solutions make services like insuring, investing, cash deposits, withdrawals, and money transfers easily accessible to the population. Thanks to a robust digital financial network, these services are now accessible to everybody, regardless of visiting financial institutions. In terms of both the development and implementation of digital infrastructure, India is now the world leader. The key causes for rapid digitalization in Indian financial services are increasing percapita income, a large young workforce, and digital penetration. More dramatic change continues today and consumers want it to be part of using various digital procedures in banking activities. In this context, this study explores the need of digital financial services, the positive and negative impact of digitization of financial services in the banking sector, and consumer behavior shifting towards banking sector with the use of digital financial services.


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 Keywords

Financial services-digitalization-financial inclusion-banking sector-consumer behavioral shifts

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  Paper Title: A STUDY ON THE PERCEPTION OF SHARE MARKET INVESTORS TOWARDS CRYPTO CURRENCY (WITH SPECIAL REFERENCE TO CHENNAI CITY)

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02014

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02014

  Register Paper ID - 267025

  Title: A STUDY ON THE PERCEPTION OF SHARE MARKET INVESTORS TOWARDS CRYPTO CURRENCY (WITH SPECIAL REFERENCE TO CHENNAI CITY)

  Author Name(s): Dr. S. Sangeetha, Saranya. P.

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 101-107

 Year: August 2024

 Downloads: 105

 Abstract

The main aim of writing this research paper was to identify the major reasons why the share market investors are not coming forward to invest in Crypto currency. The main objective of the study was to identify the perception of Share Market Investors towards investing in Crypto Currency. The primary data was collected through a structured questionnaire. The questionnaire contains questions relating to share market knowledge and Crypto currency understanding. The sampling methodology used in this study was Convenient Sampling followed by snowball sampling. The data was collected from family members and friends who were investing in share market for a longer period of time. The number of respondents were 36. The result of the study highlighted that most of the Indian Share market investors are having positive attitude towards Crypto Currency, but there are several other factors like Hacker's threat, high volatility in price, no regulatory body, anonymous transaction keeping the investors back from investors. Originality value: The current study will certainly help in the establishment of positive impact towards crypto currency among share market investors.


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A STUDY ON THE PERCEPTION OF SHARE MARKET INVESTORS TOWARDS CRYPTO CURRENCY (WITH SPECIAL REFERENCE TO CHENNAI CITY)

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  Paper Title: TRADE AND COMMERCE IN ANDHRA (SATAVAHANAS TO GOLCONDA DYNASTY) ECONOMIC CONDITIONS

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02013

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02013

  Register Paper ID - 267026

  Title: TRADE AND COMMERCE IN ANDHRA (SATAVAHANAS TO GOLCONDA DYNASTY) ECONOMIC CONDITIONS

  Author Name(s): M.Venkata Ramana Rao

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 93-100

 Year: August 2024

 Downloads: 122

 Abstract

Andhradesa as one of the regional hubs of the vast net - work of international commerce must have experienced a great amount of material prosperity, herself having accomplished production of merchandise so as to actively participate in it. As such, the Roman connection is increasingly seen as a powerful factor in the urbanization of ports of Peninsular India in the early historic period (S.J. Keay, 1996 - 97). In spite of the subject having been studied by so many eminent scholars and distinguished archaeologists, whose works will be briefly reviewed in the following section as to have set the model for the present study, the subject promises opportunities for studies afresh.


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TRADE AND COMMERCE IN ANDHRA (SATAVAHANAS TO GOLCONDA DYNASTY) ECONOMIC CONDITIONS

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  Paper Title: Financial Inclusion Schemes in India: An Overview

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02012

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02012

  Register Paper ID - 267027

  Title: FINANCIAL INCLUSION SCHEMES IN INDIA: AN OVERVIEW

  Author Name(s): SK. Sahanaz Begum

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 88-92

 Year: August 2024

 Downloads: 84

 Abstract

Financial system plays an important role in the economic development of the country, it encourages both savings and investment, it helps in mobilizing and allocating one's savings it facilitates the expansion of financial intuitions and markets .This paper presents the Schemes launched under the Financial Inclusion in India, an overview on progress and achievement of Pradhan Mantri Jan Dhan Yojana scheme to reach the target people, the relavant data is collected for this study from various articles and financial reports.


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 Keywords

Financial Inclusion, Economic Development

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  Paper Title: A STUDY ON FINANCE AND CREDIT FLOW TO RURAL MSMEs IN INDIAN ECONOMY

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02011

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02011

  Register Paper ID - 267029

  Title: A STUDY ON FINANCE AND CREDIT FLOW TO RURAL MSMES IN INDIAN ECONOMY

  Author Name(s): Chikkannaswamy G B, Dr. T. Rajendra Prasad

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 79-87

 Year: August 2024

 Downloads: 144

 Abstract

Micro Small and Medium Enterprises (MSMEs) are an important part of the Indian economy it is one of the most powerful drivers of economic development, innovation and employment. Access to finance is it is often seen as a significant barrier to MSME growth. Creating opportunities for MSMEs in emerging markets. Markets are an important way to promote economic development and reduce poverty.


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A STUDY ON FINANCE AND CREDIT FLOW TO RURAL MSMEs IN INDIAN ECONOMY

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  Paper Title: Insurance and Actuarial science

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02010

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02010

  Register Paper ID - 267030

  Title: INSURANCE AND ACTUARIAL SCIENCE

  Author Name(s): Dr YEDUKONDALU NARENDRA

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 72-78

 Year: August 2024

 Downloads: 96

 Abstract

Actuarial science is the discipline that applies mathematical and statistical methods to assess risk in insurance, pension, finance, investment and other industries and professions. More generally, actuaries apply rigorous mathematics to model matters of uncertainty and life expectancy. Actuaries are professionals trained in this discipline. In many countries, actuaries must demonstrate their competence by passing a series of rigorous professional examinations focused in fields such as probability and predictive analysis. Actuarial science includes a number of interrelated subjects, including mathematics, probability theory, statistics, finance, economics, financial accounting and computer science. Historically, actuarial science used deterministic models in the construction of tables and premiums. The science has gone through revolutionary changes since the 1980s due to the proliferation of high speed computers and the union of stochastic actuarial models with modern financial theory.[1] Many universities have undergraduate and graduate degree programs in actuarial science. In 2010, a study published by job search website Career Cast ranked actuary as the job in the United States.[2] The study used five key criteria to rank jobs: environment, income, employment outlook, physical demands, and stress. In 2023, U.S. News & World Report ranked actuary as the eighth-best job in the business sector and the 13th-best job in STEM


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Insurance and Actuarial science

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  Paper Title: Women Self-Help Groups (SHGs) in Andhra Pradesh

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02009

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02009

  Register Paper ID - 267031

  Title: WOMEN SELF-HELP GROUPS (SHGS) IN ANDHRA PRADESH

  Author Name(s): Dr.S. Ramanjaneyulu

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 66-71

 Year: August 2024

 Downloads: 99

 Abstract

Women Self-Help Groups (SHGs) in Andhra Pradesh have emerged as a significant socio-economic phenomenon, playing a crucial role in empowering women and fostering community development. This paper explores the evolution, impact, and challenges faced by SHGs in the state. Initially promoted as a poverty alleviation strategy, SHGs in Andhra Pradesh have expanded their scope to include various development initiatives such as microfinance, entrepreneurship, and social welfare programs. The SHG movement gained momentum with government support through targeted policies and funding, leading to the formation of a vast network of women-centric groups across the state. The impact of SHGs has been profound, particularly in enhancing women's economic independence, decision-making capabilities, and social standing within their communities. By providing access to financial services, skill development training, and collective bargaining power, SHGs have enabled women to start small businesses, increase household incomes, and improve overall living standards. However, the sustainability of SHGs faces challenges such as financial viability, leadership capacity, and integration with formal financial institutions. Issues like political interference, bureaucratic hurdles, and fluctuating market conditions also impact the effectiveness of SHG initiatives. This abstract underscores the transformative potential of SHGs in Andhra Pradesh while highlighting the need for continued policy support and innovative strategies to address existing challenges and ensure sustained empowerment of women through these groups.


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 Keywords

Empowerment, Microfinance, Skill Development, Entrepreneurship, Government Support.

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  Paper Title: The Growth of Robo-Advice in Banking Services

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02008

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02008

  Register Paper ID - 267032

  Title: THE GROWTH OF ROBO-ADVICE IN BANKING SERVICES

  Author Name(s): Dr M Venkata Seshaiah

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 59-65

 Year: August 2024

 Downloads: 87

 Abstract

Robo banking is a revolutionary and technological advancement has disrupted the traditional banking landscape in India. This article reconnoiters the concept of robo banking, its impact on the financial services industry, and its potential implications for customers and the banking sector. The study reviews existing literature on robo banking, its benefits, challenges, and regulatory framework. The discussion delves into how robo banking has improved customer experience, enhanced financial inclusion, and increased operational efficiency. The article concludes with an analysis of the future prospects of robo banking in India and its role in shaping the banking sector.


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The Growth of Robo-Advice in Banking Services

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  Paper Title: Emerging Opportunities in the Financial Services Sector

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02007

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02007

  Register Paper ID - 267033

  Title: EMERGING OPPORTUNITIES IN THE FINANCIAL SERVICES SECTOR

  Author Name(s): Dr.G.Ganagaiah, Dr.K.sreenivasulu, Dr.G.Tirumalaiah

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 53-58

 Year: August 2024

 Downloads: 107

 Abstract

The world of finance is changingfastbecauseoftechnology.Fintechcompaniesareleadingthewayby bringingfresh ideaslikepeer-to-peerlending,mobilepayments,&robo-advisors.Thishasmadebanksandothertraditionalplayers rethink how they operate. New tools like blockchain and artificial intelligence are making transactions quicker, safer, & letting people get personalized financial help. This paper looks into cool ways to include more people in financial services, improve how customers feel about their experiences, and boost how efficiently things run. It also talks about smart methods for using these new tools. For example, partnering with fintech companies, going through digital changes, and having strong cybersecurity plans are super important. Through real-life examples, we can see how some banks have successfully integrated these high-tech solutions. Looking ahead, decentralized finance(known as DeFi) & quantum computing are set to make big waves in the industry. If financial institutions want to thrive and stay on top of their game, they need to keep an eye on these trends. Long-term success depends on it


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Emerging Opportunities in the Financial Services Sector

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  Paper Title: Women Empowerment through Self Help Groups (A micro level study of Kanteru Village in Guntur District)

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02006

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02006

  Register Paper ID - 267034

  Title: WOMEN EMPOWERMENT THROUGH SELF HELP GROUPS (A MICRO LEVEL STUDY OF KANTERU VILLAGE IN GUNTUR DISTRICT)

  Author Name(s): Dr.Y.Chinna Rao

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 44-52

 Year: August 2024

 Downloads: 76

 Abstract

The paper study is based on primary data. The primary data is collected with the help of a pre-tested questionnaire. Kanteru village of Guntur district is selected for the present study. 100 sample villagers are selected for the study from different social categories, viz., OC, BC, SC and ST in proportion with their population in the village. The data are collected with the help of the structured questionnaire. Stratified random sampling technique is adopted for the study. Simple statistical tools such as percentages are used. Substantial part of the paper is based on tabular analysis. The paper concluded that highest percentage of the respondents aware about self help groups through the already joined members of the self help groups. Majority of the respondents have joined the self help groups for getting loan to purchase livestock etc. Majority of the respondents have joined the self help groups during 2018-2019. More than half of the respondents stated that their husbands are encouraging them to join in the SHGs. Highest percentage of the respondents stated that their family members are discouraging them towards joining and functioning in the self help groups. Most of the respondents stated that it is a time consuming process. Highest percentage of the respondents stated that functioning of the officials connected with SHGs is good. Highest percentage of the respondents stated that the training imparted is not sufficient to learn the skills effectively. Majority of the respondents have given an amount ranging between Rs.10, 000/- and Rs.20, 000/-. Majority of the respondents are repaying the loan amount within 10 months. Most of the respondents stated that there is an improvement in awareness about various things after joining in the self help groups. Largest percentage of the respondents stated that relations with the society have been improved after joining in the self help groups. Highest percentage of the respondents stated that they are not getting regular income through self help groups. Most of the respondents stated that they are both socially and economically developed. Majority of the respondents stated that there is substantial upward change in income generation after joining in the self help groups.


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Women Empowerment through Self Help Groups (A micro level study of Kanteru Village in Guntur District)

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  Paper Title: MONEY LAUNDERING

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02005

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02005

  Register Paper ID - 267035

  Title: MONEY LAUNDERING

  Author Name(s): Dr. Ch. Srinivasa Rao

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 38-43

 Year: August 2024

 Downloads: 91

 Abstract

Money Laundering is the illegal process of making large amounts of money generated by criminal activity, such as drug trafficking or terrorist funding, appear to have come from a legitimate source. The money from the criminal activity is considered dirty, and the process "launders" it to make it look clean.Online banking and crypto currencies are the main forms of money laundering in the world. In this article we discuss about the main features of money laundering, how it works, variants of money laundering and effects of money laundering on the economy.


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MONEY LAUNDERING

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  Paper Title: E-Rupee: The Evolution of Currency

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02004

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02004

  Register Paper ID - 267036

  Title: E-RUPEE: THE EVOLUTION OF CURRENCY

  Author Name(s): Dr D Ajay Kumar

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 26-37

 Year: August 2024

 Downloads: 85

 Abstract

The advent of digital currency marks a pivotal transformation in the global financial landscape. Among these digital currencies, the e-Rupee stands out as a significant innovation, particularly within the context of India's robust and evolving economy. The e-Rupee, a digital version of the Indian Rupee, symbolizes the country's strides towards a more digitized and efficient financial system. This seminar aims to provide an exhaustive analysis of the e-Rupee, covering its background, technological underpinnings, economic implications, regulatory framework, and future prospects. The need for digital currencies arises from the desire for more efficient, transparent, and accessible financial systems. Traditional currencies, despite their widespread use, come with limitations such as high transaction costs, delayed processing times, and the risks of physical theft and loss. Digital currencies, including the e-Rupee, promise to mitigate these issues while bringing additional benefits like enhanced security and greater financial inclusion.


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E-Rupee: The Evolution of Currency

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  Paper Title: PROGRESS OF SHG BANK LINKAGE PROGRAMME IN INDIA

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02003

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02003

  Register Paper ID - 267037

  Title: PROGRESS OF SHG BANK LINKAGE PROGRAMME IN INDIA

  Author Name(s): Dr. P. Srinivas, D. Venkata Subbaiah

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 20-25

 Year: August 2024

 Downloads: 124

 Abstract

Inadequacies in access to formal finance has led to the growth of microfinance in India. In India microfinance operates through two main channels viz. a) banking system through the SHGs under SHG-Bank Linkage Programme (SHG-BLP) and JLG bank lending programme and b) through Micro Finance Institutions (MFIs) lending through individual and group approach. SHG Bank linkage programme through microfinance in India is the world's largest microfinance programme in terms of its reach and scale of finance. Started as a pilot project in the year 1992 with the initiation of NABARD, now it has spread all over India covering 31 states and union territories and 641 districts by 31st March 2023. The objective of the research paper is to examine the progress of SHGBLP in terms of number of SHGs with savings and amount of savings, no. of SHGs availed loans (credit linked) and amount of loan disbursed and no. of SHGs with loan outstanding and amount of loan during 2013-14 to 2022-23. It also aims to explore the region wise progress of SHGBLP in terms of the amount of loan disbursed to SHG during the past ten years. It is found that SBLP has witnessed a significant progress during this time and brought considerable changes in the socio economic conditions of SHG members. It also found that the progress of SHG bank linkage programme is uneven across the regions in India.


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Microfinance, SHGBLP, NABARD, Bank Linkage, India

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Creative Commons Attribution 4.0 and The Open Definition

  Paper Title: A study on Present Status of Micro Finance in India

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02002

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02002

  Register Paper ID - 267038

  Title: A STUDY ON PRESENT STATUS OF MICRO FINANCE IN INDIA

  Author Name(s): M.Pitchaiah, Dr.A.Veera Kumari

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 9-19

 Year: August 2024

 Downloads: 146

 Abstract

In India, where even through nearly 68.84 per cent of population residing at rural areas. According to 2011 census agriculture is main occupation for largest livelihoods in India 70 per cent of its rural households still depend upon it for their livelihood, with 82 per cent of farmers being small and marginal. The world bank using the $2.15(2023) per day bench mark(PPP) estimates an 11.9 per cent poverty rate for India. In this regard micro finance plays vital role to providing financial assistance to the poor and low level income households in India in addition that fulfillment of government target financial inclusive growth strategy and sustainable development of the people. Such as banking, Insurance , other financial services etc.,The significant role has played by microfinance in the developing countries like India cannot wear away, where largest size of population is living under low literacy and poverty. They don't have any access to formal banking facilities. Where micro finance plays a key role to improving living conditions of the households in india.(Sen2018)Micro finance is regarded as a useful tool for socio-economic upliftment in a developing country like India. In india micro finance is dominant by self Help Groups (SHG) bank linkage programme aimed at providing a cost effective mechanism for providing financial services to the rural households away from inclusive. The present paper aims at identifying present working status of micro finance in India.


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Micro-Finance, SHGs, MFIs, Status of development

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  Paper Title: A Study and Analysis on Performance of Different Mutual Funds in India

  Publisher Journal Name: IJCRT

  DOI Member: 10.6084/m9.doi.one.IJCRTAL02001

  Your Paper Publication Details:

  Published Paper ID: - IJCRTAL02001

  Register Paper ID - 267039

  Title: A STUDY AND ANALYSIS ON PERFORMANCE OF DIFFERENT MUTUAL FUNDS IN INDIA

  Author Name(s): Dr. A. Venkata Prasad

 Publisher Journal name: IJCRT

 Volume: 12

 Issue: 8

 Pages: 1-8

 Year: August 2024

 Downloads: 103

 Abstract

The history of mutual funds in Indian began in 1963 when the Government of India launched Unit Trust of India. Since then the mutual fund industry has had an inevitable journey and thousands of investors today invest in mutual fund schemes, making it a terrible investment segment. Mutual fund industry has experienced a radical expansion within the past two decades. The performance analysis of mutual funds is commonly used topic in the various investment areas among different countries. This happens due to accessibility of information. They provide various profits to the investors. Mutual fund provides various updates of the market and they also provide various suggestions to the investors about making investment in the different schemes. The mutual fund industry, Assets under Management doubled in the past five years as it grew from Rs.22.26 lakh crore in 2019-20 to Rs. 54.1 lakh crore in 2023-24. Therefore, in recent years, the mutual fund industry has diversified its product offerings to cater to a wide range of investor preferences, including equity funds, debt funds, hybrid funds, and thematic funds. As the growth of mutual funds in India continues, the mutual fund industry is expected to play a vital role in channeling savings into productive investments, contributing to the overall expansion of the financial markets.


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 Keywords

Mutual Funds, Investment, Industry, UTI, Assets, hybrid funds and debt funds

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Creative Commons Attribution 4.0 and The Open Definition

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ISSN: 2320-2882
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ISSN and 7.97 Impact Factor Details


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ISSN: 2320-2882
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