| 1 |
Author(s):
Dr. Jaysing Babar, Swapna Dadaji Ahire.
Page No : 1-6
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Indian Writing in English and Nation-Building Narratives
Abstract
Indian Writing in English has played a crucial role in imagining, shaping, and critiquing the idea of the Indian nation. Emerging during colonial rule and evolving through post independence and contemporary periods, Indian English literature reflects the political, social, cultural, and psychological processes involved in nation-building. This paper examines how Indian writers in English construct nation-building narratives through representations of colonial resistance, social reform, identity formation, and inclusive citizenship. The study analyzes selected novels such as Raja Rao’s Kanthapura, Mulk Raj Anand’s Untouchable, Salman Rushdie’s Midnight’s Children, Arundhati Roy’s The God of Small Things, and Meena Kandasamy’s When I Hit You. These texts reveal that nation-building is not only a political project but also a cultural and ethical process involving marginalized voices, gender justice, and social equality. Drawing on postcolonial theory and nationalism studies, particularly Benedict Anderson’s concept of “imagined communities” and Homi K. Bhabha’s theory of nation narration, the paper argues that Indian Writing in English contributes significantly to constructing and questioning the meaning of the Indian nation. The literature reflects both nationalist aspirations and critiques of inequality, thereby redefining nation-building as an ongoing and inclusive process.
| 2 |
Author(s):
Dr. R. S. Desai (Mavchi).
Page No : 7-13
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Assessing The Viability of India’s High-Income Transition Through Growth Projections and Structural Reforms For 2047
Abstract
This research explores India’s economic advancement over the next 25 years, specifically focusing on growth, inclusivity, and sustainability through different approaches using validated sources such as NITI Aayog, World Bank, Reserve Bank of India, Ministry of New & Renewable Energy. To develop as a Truly Advanced Nation, India must reach a Gross Domestic Product (GDP) of US$30.0 trillion (US$18,000 per capita/year) by 2047, requiring an average year-to-year growth rate of 7.8% to 8.0%. India has already made strides towards achieving Financial Inclusion (as measured by the Financial Inclusion Index by RBI - 67% as of March 2025) and Renewable Energy Generation Capacity (close to 209 GW to 220 GW by Year-End 2024). Additionally, the applications of structural reforms around better Capital Efficiency, Human Capital investment, and use of Green Technology will be essential prerequisites to ensure Sustainable and Inclusive Economic Development in India moving forward into the 21st century.
| 3 |
Author(s):
Dr. Jaysing Ramdas Babar, Sachin Rangnath Jadge , Dattatray Baban Bhagade.
Page No : 14-20
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English for Employability: Communication Skills for Viksit Bharat 2047
Abstract
This paper aims to interpret and explore the crucial role of English language proficiency and communication skills to accelerate employability in India’s journey towards Viksit Bharat 2047. In the today’s globalization and technological integration reshaping the job market, effective and fluent English communication emerges as key skill for workforce readiness. The study analyses theoretical frameworks, present challenges, policy initiatives and pedagogical practices that can bridge the communication gap. So that individual could contribute meaningfully in the national development and global economy. The vision of Viksit Bharat 2047 focuses on transforming India into a developed nation through economic expansion and social progress. A critical enabler of this transformation is a "future-ready" workforce. This paper examines the correlation between English communication proficiency and employability in the Indian context. It argues that while regional languages are vital for foundational learning (as per NEP 2020), English remains the primary "link language" for high-growth sectors like AI, FinTech, digitalization and Global Capability Centres
| 4 |
Author(s):
Dr. D. S. Borkar.
Page No : 21-27
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Contribution of Higher Education Institutions in Achieving the Vision of Viksit Bharat – 2047
Abstract
The Government of India has spelt out its vision Viksit Bharat @2047, Higher Education serves as the "Knowledge Spine" tasked with transforming India’s demographic bulge into a high-value human capital engine. The objective of this paper is to take an overall view on the role of higher education in the mission Vikasit Bharat 2047. Academy-industry rapport helps develop innovative solutions for national problems by promoting industry-academia cooperation. Second, developing human capital requires higher education. It equips students with critical thinking, problem-solving, and leadership skills necessary for India's global competitiveness By 2026, this role has shifted from mere degree-granting to creating a global talent corridor, where universities act as incubators for a $30 trillion economy. The Education Ministry - Government of India had announced its New Education Policy in 2020 and the same is being implemented currently. In this NEP -2020 the higher education in India plays a pivotal role in turning out the graduates which will be fulfilling the expectation of the industry from the graduates. The industries will not be required to put heavy investment on their further training so heavily. Even to day we find some industries have come out in drafting their on syllabus jointly with the universities which will fulfil their basic recruitment norms and thereby having a positive impact on the employment scenario. The universities are whole heartedly implementing the Apprentice/internship requirement. The universities are developing rapport with the industries to fulfil their expectation. The Ministry of Education of the Indian government has meticulously outlined its vision for the role of higher education in the broader Vikasit Bharat 2047 objective. The University Grants Commission has also issued several directives to universities and is closely monitoring the implementation of the modifications. It should go without saying that India will eventually gain from finding a solution to the unemployment issue. The response to the government's widespread implementation of skilling initiatives has been outstanding. The business community has also banded together to support youth in developing their abilities.
| 5 |
Author(s):
Mr. Suresh Shitalaprasad Gupta, Dr. Jadhav Pravin Prabhakar.
Page No : 28-34
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Contribution of Higher Education Institutions in Strengthening Human Resource Practices in Private Banks: A Study Linked to the Vision of Viksit Bharat 2047
Abstract
The vision of Viksit Bharat 2047 emphasizes economic growth, innovation, and human capital development. Higher education institutions (HEIs) play a crucial role in shaping skilled professionals who contribute to organizational performance across sectors, including banking. This paper correlates the contribution of HEIs with effective human resource (HR) practices in private banks, focusing on recruitment, training, performance management, and employee engagement. It highlights how academic institutions act as talent incubators and strategic partners in developing AI-enabled skills that enhance banking performance. The study adopts a conceptual and analytical approach aligned with the author’s Ph.D. research on HR practices in private banks. The findings suggest that collaboration between HEIs and the banking sector is essential for achieving the long-term goals of Viksit Bharat 2047.
| 6 |
Author(s):
Dinkar Madhavrao Ronkhede, Dr. Ashutosh Abasaheb Deshmukh.
Page No : 35-40
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Role of PMMY in Catalyzing Startups and Innovation: A Literature Review Toward Viksit Bharat 2047
Abstract
This research investigates the longitudinal influence of the Pradhan Mantri Mudra Yojana (PMMY) on fostering grassroots entrepreneurship and technological innovation within the urban and semi-urban landscapes of Pune City, Maharashtra. By synthesizing a decade of archival data and scholarly discourse from 2015 to 2025, the study maps the structural transition of micro-enterprises from survival-based activities toward the "Vikasit Bharat 2047" paradigm. The analysis reveals a significant evolutionary shift, particularly post-2022, where credit accessibility has catalyzed the adoption of green technologies and digital automation among micro-units. Utilizing a Systematic Literature Review (SLR) methodology, the findings highlight a 12% increase in the transition from Kishore to Tarun loan categories within the Pune industrial belt, indicating a strengthening of the entrepreneurial middle class. However, the study also identifies a persistent "Digital Divide" in semi-urban fringes that threatens inclusive growth. The research concludes that for India to achieve its developed nation status by 2047, PMMY must evolve into a "Credit Plus" framework, integrating financial assistance with localized technical mentorship and cluster-based monitoring. This synthesis provides a strategic roadmap for leveraging micro-finance as a primary driver of national industrial self-reliance and global competitiveness.
| 7 |
Author(s):
Ms. Sonal Vikas Jadhav (Chindage).
Page No : 41-44
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Startups And Innovations: Driving Economic Growth in Viksit Bharat
Abstract
Viksit Bharat 2047 is the Indian government's vision to transform India into a fully developed nation by its 100th independence anniversary, focusing on economic prosperity, social progress, and sustainability. This research paper helps to understand that Startups and Innovations are foundational to this, shifting from valuation-led growth to value-led, solving real problems in manufacturing, fintech, and climate-tech. As of January 2026, India boasts one of the largest startup ecosystems, having evolved significantly from the initial policy push in 2016 to over 2 lakh startups as of December 2025. “Startup India” this movement has had a transformative impact on India’s entrepreneurial and innovation ecosystem. It is firmly aligned with India’s march toward achievement of Viksit Bharat 2047, combining economic modernization with inclusive regional uplift. The narrative also highlights that Innovation is the primary driver of long-term economic growth, enhancing productivity by enabling more output from the same resources. It fuels growth through technological advancement, new products, and improved business models, which create jobs and boost competitiveness.
| 8 |
Author(s):
Dr. Tejpal Kamble.
Page No : 45-52
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Impact of Digital Payment on Indian Financial Growth
Abstract
The swift growth of digital payment systems in India signifies a fundamental shift in its financial framework. This research thoroughly assesses the macroeconomic and institutional effects of digital payments on India's financial development through both theoretical and empirical perspectives. Utilizing financial intermediation theory, endogenous growth theory, and transaction cost economics, the paper explores how the adoption of digital payments affects financial inclusion, monetary velocity, the formalization of the economy, fiscal capacity, and fintech innovation. By analyzing secondary data from the RBI, NPCI, Economic Survey reports, and global financial inclusion datasets, the findings indicate that digital payments have bolstered financial deepening, improved allocative efficiency, and expedited the expansion of the formal sector. Nevertheless, structural challenges such as digital inequality, cybersecurity externalities, and regulatory asymmetry present risks to sustainability. The study contends that digital payments are not simply transactional instruments but represent financial infrastructure with multiplier effects on economic growth.
| 9 |
Author(s):
Shivkant M. Pupalwad, Dr. Kishor G. Nawale.
Page No : 53-58
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MSMEs, Startups, and the Knowledge Economy: Integrating Innovation for Sustainable Development in India
Abstract
Micro, Small and Medium Enterprises (MSMEs) and startups have emerged as pivotal drivers of economic growth in India, particularly as the country transitions toward a knowledge-based economy. This study examines how innovation capacity within MSMEs and startups contributes to sustainable economic development. It explores the synergies between innovation practices, knowledge creation, entrepreneurial activity, and policy frameworks that spur competitiveness and resilience. Using a mixed-methods approach combining quantitative survey analysis of 10 MSMEs and startups across six Indian states and qualitative insights from 5 expert interviews, the research finds that knowledge assimilation and innovation significantly enhance productivity, market expansion, and employment generation. However, persistent gaps in access to finance, skill shortages, and weak linkages between academia and industry constrain performance. Policy recommendations include strengthening innovation ecosystems, targeted financing instruments, and bridging knowledge transfers between research institutions and enterprises. The study contributes to academic literature by offering a framework linking innovation inputs to sustainable socio-economic outcomes.
| 10 |
Author(s):
Dr. Sonali Shivaji Gogawale.
Page No : 59-65
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Financial Inclusion in India: Progress and Path Ahead for Viksit Bharat 2047
Abstract
Financial inclusion refers to providing affordable and accessible financial services such as banking, credit, insurance, pensions, and digital payments to all sections of society, especially the poor and marginalized. In India, financial inclusion has gained momentum through initiatives like Pradhan Mantri Jan Dhan Yojana (PMJDY), digital payment systems, and regulatory reforms by the Reserve Bank of India. This paper examines the progress, Components of Financial Inclusion, challenges, and future roadmap of financial inclusion in India within the framework of Viksit Bharat 2047.
| 11 |
Author(s):
श्री. सुरज आत्माराम पवार, डॉ. दीपक गायकवाड.
Page No : 66-71
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भारतीय ज्ञान प्रणाली मधील लोकसाहित्यातील मानवी मूल्यांचे स्थान
Abstract
लोकसाहित्य ही भारतीय ज्ञानप्रणालीमधील महत्त्वाची शाखा आहे.लोकसाहित्यातून फार मोठया प्रमाणावर मूल्यसंवर्धन साधले जाते.लोकसाहित्यातील कीर्तन ,पोवाडा या लोकसाहित्यातील वाड्मयाप्रकारातून राष्ट्रभकीचा विकास होण्यास मदत होते.लोकसाहित्याच्या म्हणी कोडी, सुवचने,सण वार, उत्सव,आहिंसा भूतदया मानवता या आधारभूत मूल्यांच्या आधारे सौजन्यशीलता साधता येते. ल़ोकसाहित्य हे कृषीजीवनाशी निगडीत असल्याने त्यांच्या माध्यमातून श्रमप्रतिष्ठा हे मूल्य जोपासले जाते. लोकसाहित्य हे वृक्षपूजा व प्राणीपूजा यांच्या संवेदनशीलता जोपासते. मानवी जीवनाचे महत्त्व आणि विविध आध्यात्मिक बाबी यांच्या माध्यमातून वक्तशीरपणा मूल्य जोपासता येतो.लोकसाहित्याच्या माध्यमातून विविध घटना मागील वैज्ञानिक व लोकतात्विक दृष्टिकोन अभ्यासता येतो. लोक साहित्यामध्ये स्त्री पुरुष समानता साधण्यासाठी उपयुक्त अशी मूलतत्त्वे आढळतात.लोकसाहित्य हे म्हणी, वाक्प्रचार,कोडी यांच्या माध्यमातून संभाषणातील नीटनेटकेपणाचे बाळकडू मानवाला मिळते. शारीरिक व मानसिक स्वास्थ्याच्या अनुषंगाने विविध सवयी व विचारसंपदा या लोकसाहित्याच्या माध्यमातून अभिव्यक्त झालेली दिसून येते.
| 12 |
Author(s):
Dr. Dipak Bhujang Gaikwad, Dr. Jaysing Babar .
Page No : 72-76
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Role of NEP-2020 In Achieving the Goal of Viksit Bharat 2047
Abstract
The National Education Policy (NEP) 2020 is a plan for change that aims to make India a developed country, or "Viksit Bharat," by 2047. This study synthesises the anticipated impacts, principal policy attributes, strategic implementation strategies, and expected outcomes of NEP-2020, highlighting its congruence with sustainable development, inclusivity, innovation, and economic growth. The research elucidates how strategic educational reforms foster human capital formation, social justice, and global competitiveness, marking education as the cornerstone of India’s nation-building efforts through literature review and analytical discussion.
| 13 |
Author(s):
Dr. Dhondibhau Sitaram Borkar, Miss. Sarika Rangnath Dhole2 .
Page No : 77-85
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Impact of Direct and Indirect Tax Reforms on the Financial Performance of Regional Rural Banks in Western India
Abstract
This paper examines the impact of direct and indirect tax reforms on the financial performance of Regional Rural Banks (RRBs) in Western India, with a focus on Maharashtra and Gujarat. Using secondary data from government releases, banking sector reports, and recent policy developments between FY2020–FY2026, the study evaluates profitability, asset quality, credit-deposit ratio, and capital adequacy trends. Major reforms considered include Goods and Services Tax (GST) rationalization, corporate tax changes, interest rate adjustments, and structural consolidation under the “One State One RRB” policy. The findings suggest that indirect tax reforms, particularly GST rate rationalization in 2025, stimulated credit demand, while direct tax rationalization improved capital formation and deposit growth. Structural consolidation and regulatory oversight strengthened operational efficiency and reduced NPAs. However, revenue uncertainties and interest rate transmission posed margin pressures. The study concludes that tax reforms have had a positive but moderated impact on RRB financial performance in Western India.
| 14 |
Author(s):
Dr. Dhondibhau Sitaram Borkar, Mr. Jesse Pandit.
Page No : 86-90
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Growth of Recognized Startups and Its Impact on Direct Employment Generation in India
Abstract
The startup ecosystem plays a pivotal role in driving economic growth and employment generation in India. With the government initiative of Startup India from 2016, there has been a tremendous growth in the number of recognized startups. This study focuses on the growth of number of recognized startups and its impact on job creation during the period 2016-2025. In order to analyze the secondary data which is collected from the official sources, statistical tools used are Trend analysis, Percentage analysis and Pearson correlation. The findings indicate substantial growth in the number of recognized startups and exhibits positive impact on the direct job creation.
| 15 |
Author(s):
Dr. D.S. Borkar, Mahesh Bapusaheb Chopade.
Page No : 91-99
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International Tax Reforms and Lessons for India’s Journey Towards Viksit Bharat 2047
Abstract
The global architecture of taxation has undergone a fundamental transformation over the past two decades. Intensifying globalization, rapid digitalization, expansion of cross-border capital flows, and increasing public concern over inequality and climate change have collectively reshaped international fiscal governance. Multinational enterprises (MNEs) have leveraged differences in national tax systems to shift profits to low-tax jurisdictions, thereby eroding domestic tax bases. In response, coordinated multilateral initiatives such as the Base Erosion and Profit Shifting (BEPS) project, the OECD/G20 Inclusive Framework, and the Two-Pillar Solution—particularly the Global Minimum Tax under Pillar Two—have emerged as instruments to restore fairness and stability to the global tax regime. Parallelly, digital services taxation, environmental fiscal reforms, and enhanced transparency standards have signaled a move toward rules-based international cooperation.
For India, aspiring to achieve developed nation status under the national vision of Viksit Bharat 2047, the transformation of international tax norms is not merely a global phenomenon but a strategic opportunity. A developed economy requires a stable, equitable, growth-oriented, and technologically advanced tax system capable of mobilizing adequate revenue while promoting competitiveness and social justice. This research critically evaluates major international tax reforms and analyzes their implications for India’s direct and indirect tax frameworks. Using qualitative policy analysis supported by secondary macroeconomic data, the paper identifies structural gaps and proposes a long-term reform roadmap. The study finds that India must strengthen tax base broadening, rationalize GST structures, align with global minimum taxation norms, deepen digital administration reforms, integrate environmental taxation, and reinforce cooperative fiscal federalism. A globally aligned yet domestically adaptive tax strategy will be indispensable in building the fiscal foundations necessary for Viksit Bharat 2047.
| 16 |
Author(s):
डॉ. डी. एस. बोरकर , आरती अरविंद फटांगरे.
Page No : 100-108
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भारताच्या आर्थिक विकासात स्टार्टअप्सची भूमिका: सखोल विश्लेषण
Abstract
या संशोधन पेपर भारतातील स्टार्टअपची वाढ, नवोपक्रम, रोजगारनिर्मिती, गुंतवणूक प्रवाह आणि आर्थिक वाढ यांचा सखोल अभ्यास करण्यात आला आहे. डिसेंबर 2025 पर्यंत 2 लाखांहून अधिक DPIIT मान्यताप्राप्त स्टार्टअप्स, 120 पेक्षा अधिक युनिकॉर्न कंपन्या आणि सुमारे $350 अब्ज एकत्रित मूल्यांकन ही भारतीय अर्थव्यवस्थेतील परिवर्तनाची चिन्हे आहेत. स्टार्टअप्स उत्पादकता वाढ, डिजिटल परिवर्तन आणि समावेशक विकासास चालना देतात. प्रस्तुत संशोधन लेखामध्ये विकसित भारत 2047 या दृष्टीकोनाच्या पार्श्वभूमीवर नवोपक्रमशील स्टार्टअप्सची भूमिका विश्लेषित करण्यात आली आहे. संशोधकाने स्टार्टअप इंडिया अभियान, डिजिटल पायाभूत सुविधा, कृत्रिम बुद्धिमत्ता, हरित नवोपक्रम आणि युवक उद्योजकता यांचा आर्थिक वाढीशी असलेला संबंध अभ्यासला आहे. द्वितीयक माहितीच्या आधारे 2016 ते 2023 या कालावधीतील स्टार्टअप वाढ, रोजगारनिर्मिती, गुंतवणूक प्रवाह आणि युनिकॉर्न वाढ यांचे प्रवृत्ती विश्लेषण करण्यात आले आहे. संशोधनातून स्पष्ट होते की नवोन्मेषाधारित स्टार्टअप्स हे भारताच्या संरचनात्मक आर्थिक परिवर्तनाचे प्रमुख प्रेरक घटक ठरत आहेत.
| 17 |
Author(s):
अथर्व संजय शिंदे, प्रा. (डॉ.) प्रवीण प्र. जाधव.
Page No : 109-117
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विकसित भारत २०४७ साठी शाश्वत वित्त आणि हरित बँकिंग: एक दिशादर्शक अभ्यास
Abstract
प्रस्तुत संशोधन लेख 'विकसित भारत २०४७' या राष्ट्रीय ध्येयपूर्तीसाठी शाश्वत वित्त आणि हरित बँकिंग यांच्या महत्त्वपूर्ण भूमिकेवर प्रकाश टाकतो. भारताला स्वातंत्र्याच्या शताब्दी वर्षापर्यंत विकसित राष्ट्र बनवण्यासाठी केवळ आर्थिक वृद्धी पुरेशी नसून ती पर्यावरणीय दृष्ट्या संतुलित असणे अनिवार्य आहे. या अभ्यासाचा मुख्य उद्देश शाश्वत वित्तीय साधनांद्वारे पर्यावरणाचे रक्षण करत आर्थिक समृद्धी कशी गाठता येईल, याचा सखोल आढावा घेणे हा आहे. संशोधनासाठी वर्णनात्मक आणि विश्लेषणात्मक पद्धतीचा अवलंब करण्यात आला असून, माहिती संकलनासाठी रिझर्व्ह बँक, नीती आयोग आणि सरकारी अहवालांसारख्या दुय्यम स्रोतांचा वापर केला आहे. संशोधनातून असे निष्कर्ष समोर आले आहेत की, बँकिंग क्षेत्र हे 'उत्प्रेरक' म्हणून कार्य करत असून हरित बंधपत्रे (Green Bonds) आणि सौर-पवन ऊर्जेसारख्या प्रकल्पांना मिळणारा वित्तपुरवठा देशाच्या कार्बन उत्सर्जनात घट करण्यास साहाय्यक ठरत आहे. डिजिटल बँकिंगमुळे कागदाचा वापर कमी झाला असला तरी, तांत्रिक आणि धोरणात्मक स्पष्टतेचा अभाव ही एक मुख्य अडचण आहे. शेवटी, विकसित भारताच्या ध्येयप्राप्तीसाठी सूक्ष्म, लघु आणि मध्यम उद्योगांना (MSMEs) हरित वित्तपुरवठ्यात सामावून घेणे आणि बँकिंग क्षेत्रात पारदर्शकता आणणे आवश्यक आहे. आर्थिक समृद्धी आणि निसर्गाचा समतोल साधणे हाच भारताचा खरा यशोमंत्र ठरेल, असे संशोधकास वाटते.
| 18 |
Author(s):
Dr. Retwade L.G.
Page No : 118-123
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Financial Inclusion in India: Progress and Path Ahead for Viksit Bharat-2047
Abstract
Financial Inclusion is a significant concept gaining worldwide recognition due to its crucial role in eradicating poverty. It primarily focuses on promoting sustainable growth, development, and employment among rural populations. The objective of financial inclusion is to ensure access to financial and credit services for low-income groups at affordable rates. This initiative aims to provide equal opportunities for individuals to utilize various financial services such as credit facilities, payment systems, remittances, savings, loans, and insurance. Despite the advancements in Internet banking, access to these facilities remains limited to certain demographics, with individuals in remote areas often facing barriers to utilizing essential financial services. Thus, financial inclusion serves as a critical pathway for these underserved populations to gain access to fundamental financial resources and credit services, contributing to their economic well-being.
This paper attempts to study financial inclusion in certain areas of need for Financial Inclusion, Progress and Path Ahead for Viksit Bharat 2047 in India This paper is also concerned about the inclusion of individuals- persons and institutions- with the economy, how far has this been realized?
| 19 |
Author(s):
Dr. Maruti R Bhosale.
Page No : 124-137
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Application of Artificial Intelligence in Higher Education for Optimization
Abstract
The integration of Artificial Intelligence (AI) within higher education has given rise to substantial ethical concerns and challenges, including concerns regarding data privacy, equity in educational resources, and algorithmic biases. These factors have the potential to compromise the integrity of academic processes. In light of this, the study aims to analyse the perceptions of students and faculty members about the ethical challenges associ¬ated with the use of AI in universities. The study revealed significant variations in ethical perceptions across cultural clusters. The findings highlight the impor¬tance of understanding cultural perceptions when integrating AIT in higher educa¬tion.
| 20 |
Author(s):
डॉ. केकणे मारुती अर्जुन, पवार सुशील ज्ञानेश्वर.
Page No : 138-143
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भारतामधील कॉर्पोरेट सामाजिक उत्तरदायित्व (CSR): विकसित भारत 2047 च्या उद्दिष्टांशी सुसंगती
Abstract
भारत सरकारने ‘विकसित भारत 2047’ ही महत्त्वाकांक्षी संकल्पना मांडली आहे. या संकल्पनेनुसार भारताला स्वातंत्र्याच्या शताब्दी वर्षापर्यंत आर्थिकदृष्ट्या सक्षम, सामाजिकदृष्ट्या न्याय्य, तंत्रज्ञानदृष्ट्या प्रगत आणि पर्यावरणीयदृष्ट्या शाश्वत राष्ट्र बनविण्याचे उद्दिष्ट आहे. या उद्दिष्टांच्या पूर्ततेसाठी शासन, उद्योगक्षेत्र आणि समाज या तिन्ही घटकांचा समन्वय आवश्यक आहे. कॉर्पोरेट सामाजिक उत्तरदायित्व (Corporate Social Responsibility – CSR) ही उद्योगसंस्थांची सामाजिक विकासात सहभाग नोंदविण्याची महत्त्वाची यंत्रणा आहे.
भारतामध्ये कंपनी कायदा 2013 अंतर्गत CSR खर्च अनिवार्य करण्यात आला आहे. पात्र कंपन्यांना त्यांच्या मागील तीन वर्षांच्या सरासरी निव्वळ नफ्याच्या किमान 2 टक्के रक्कम CSR उपक्रमांवर खर्च करणे आवश्यक आहे. या माध्यमातून उद्योगसंस्था शिक्षण, आरोग्य, पर्यावरण संवर्धन, ग्रामीण विकास, महिला सक्षमीकरण आणि कौशल्य विकास यांसारख्या क्षेत्रांमध्ये योगदान देत आहेत. प्रस्तुत संशोधन लेखात CSR ची संकल्पना, भारतातील CSR चे स्वरूप, विकसित भारत 2047 च्या उद्दिष्टांशी त्याची सुसंगती, विविध क्षेत्रांतील योगदान, अडचणी आणि धोरणात्मक शिफारसी यांचा सविस्तर अभ्यास करण्यात आला आहे.
| 21 |
Author(s):
वैशाली प्रकाश पवार.
Page No : 144-147
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सार्वजनिक धोरणाच्या दृष्टिकोनातून विकसित भारत 2047 साध्य करण्यामध्ये महिलांची भूमिका
Abstract
भारत 15 ऑगस्ट 1947 रोजी स्वतंत्र झाला. 2047 पर्यंत भारताच्या स्वातंत्र्याला शंभर वर्षे पूर्ण होणार आहेत. भारताने स्वातंत्र्याच्या शताब्दी वर्षापर्यंत विकसित राष्ट्र बनण्याचे ध्येय ‘विकसित भारत 2047’ या संकल्पनेद्वारे निश्चित केले आहे. भारताच्या लोकसंख्येतील निम्मा भाग महिलांचा आहे आणि त्या देशाच्या सामाजिक व आर्थिक विकासामध्ये महत्त्वपूर्ण भूमिका बजावतात. राज्यसंस्थेने सर्वसमावेशक व शाश्वत विकास साध्य करण्यासाठी लिंगभाव समानता आणि महिला सक्षमीकरणाला प्रोत्साहन देणारी सार्वजनिक धोरणे तयार करणे व त्याची अंमलबजावणी करणे आवश्यक असते. या शोधनिबंधात सार्वजनिक धोरणाच्या दृष्टिकोनातून विकसित भारत 2047 साध्य करण्यामध्ये महिलांची भूमिका अभ्यासली आहे. आर्थिक- राजकीय विकास, शिक्षण आणि सामाजिक परिवर्तन या क्षेत्रांतील महिलांचे योगदान यात स्पष्ट केले आहे. तसेच महिलांच्या सक्षमीकरणासाठी राबविण्यात आलेल्या सरकारी योजनांचे मूल्यांकन करून महिलांच्या सहभागाला अडथळा ठरणाऱ्या समस्यांचा विचार केला आहे.
| 22 |
Author(s):
Chug Simran Kishor.
Page No : 148-153
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Integrating ESG, Corporate Governance, and Sustainable Development: A Framework for Corporate Contribution to Viksit Bharat 2047
Abstract
India’s aspiration to achieve developed nation status by 2047 under the vision of Viksit Bharat represents a structural transformation agenda rather than merely an income milestone. This transformation requires environmental resilience, inclusive growth, institutional maturity, and financial modernization. Corporate sustainability, operationalized through Environmental, Social, and Governance (ESG) integration, has emerged as a prominent governance architecture within global capital markets. However, ESG is often interpreted narrowly as a compliance requirement or reputational mechanism. This study reconceptualizes corporate sustainability as developmental infrastructure within an emerging economy context. Drawing upon stakeholder theory, institutional theory, legitimacy theory, and developmental state perspectives, the paper proposes a conceptual framework that positions ESG integration as a driver of macroeconomic transformation. The analysis suggests that ESG adoption can contribute to institutional strengthening, capital market development, innovation capacity, and green industrial transition key pillars of the Viksit Bharat 2047 vision. By embedding corporate sustainability within national development architecture, the study contributes to the theoretical discourse on sustainability, governance reform, and structural transformation in emerging economies.
| 23 |
Author(s):
Mr. Bhosale Sagar Dnyandeo, Dr. Kadam G.G.
Page No : 154-159
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Impact of GST on Indian Businesses: Assessment and Future Prospects: 2017–2025
Abstract
The Goods and Services Tax (GST), implemented in India on July 1, 2017, represents one of the most significant indirect tax reforms in the country’s economic history. GST replaced multiple central and state taxes and introduced a unified tax system aimed at simplifying tax compliance and promoting economic integration. This research paper examines the impact of GST on Indian businesses between 2017 and 2025 using secondary data sources such as reports from the Ministry of Finance, the Reserve Bank of India (RBI), the Economic Survey, and GST Council publications. The study analyzes GST revenue trends, compliance levels, business efficiency, and sectoral impacts. The findings indicate that GST has increased transparency, reduced cascading taxes, and expanded the tax base, though initial compliance challenges and technical issues affected small businesses. The study also explores future prospects of GST reforms, including rate rationalization and technological integration. The research concludes that GST has significantly contributed to the formalization of the Indian economy and has the potential to further enhance business efficiency and economic growth with continued reforms.
| 24 |
Author(s):
Yojana Sonkamble – Surywanashi, Dr. Jyoti Narayan Mane.
Page No : 160-168
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The Strategic Evolution of Indian Business toward 2047
Abstract
India is undergoing a major economic transformation with the vision of becoming a developed nation by 2047, coinciding with the centenary of independence. This research paper explores the strategic evolution of Indian businesses, analyzing the key drivers, sector transformations, technological innovations, and policy frameworks shaping the business ecosystem. It highlights how digital transformation, globalization, sustainability, demographic advantages, and government initiatives such as Make in India, Digital India, and Atmanirbhar Bharat are enabling the country to move toward a $23–35 trillion economy by 2047. The paper also presents diagrams and charts illustrating sector contributions, strategic drivers, and growth pathways for Indian businesses.
| 25 |
Author(s):
Mrs. Swati Patil, Dr. Janardhan Kundlik Pawar.
Page No : 169-174
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Role of Higher Education Institutions in Fostering Entrepreneurship in Viksit Bharat 2047
Abstract
The vision of Viksit Bharat 2047 aims to transform India into a developed nation driven by innovation, knowledge, and sustainable economic growth by the centenary of its independence. Entrepreneurship plays a critical role in achieving this goal as it encourages innovation, generates employment opportunities, and contributes to economic resilience. (Audretsch D. B., 2012) Higher Education Institutions (HEIs) play a significant role in nurturing entrepreneurial thinking among students through entrepreneurship education, training programs, incubation facilities, and industry collaboration.This study examines the role of HEIs in promoting entrepreneurial activities among students. Primary data were collected from 26 respondents through a structured questionnaire. Descriptive statistical tools were used to analyze perceptions regarding entrepreneurship education, institutional support, and entrepreneurial intentions. The findings suggest that entrepreneurship education enhances students’ confidence to start new ventures, while institutional support mechanisms such as incubation centers and mentorship programs moderately influence entrepreneurial motivation. The study recommends strengthening institutional infrastructure, improving funding mechanisms, and enhancing industry partnerships so that HEIs can contribute more effectively to achieving the national vision of Viksit Bharat 2047.
| 26 |
Author(s):
Dr. Sudhakar Lahu Ahire.
Page No : 175-181
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English for Digital Fluency and the AI Revolution: A Study with Special Reference to India
Abstract
The emergence of artificial intelligence (AI) and digital technologies has fundamentally transformed communication, education, employment, and social interaction across the world. In this technological landscape, English has emerged as the dominant language of digital fluency, enabling individuals to access information, interact with AI systems, and participate in global digital networks. This paper examines the role of English as a key enabler of digital fluency and technological empowerment, with special reference to India. Drawing upon theoretical perspectives from digital literacy studies, linguistic globalization, and technology theory, the paper argues that English functions not merely as a communication medium but as a critical infrastructure of digital participation. It explores how English facilitates AI interaction, digital education, employment opportunities, and global connectivity. The study also examines digital inequality in India resulting from disparities in English proficiency and technological access. The paper concludes that integrating English education with digital literacy is essential for inclusive participation in the AI-driven future and national technological development.
| 27 |
Author(s):
डॉ. दीपक बबन गायकवाड.
Page No : 182-184
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विकसित भारत २०४७: मराठी साहित्याची राष्ट्रनिर्मितीतील भूमिका
Abstract
विकसित भारताच्या निर्मितीमध्ये मराठी साहित्याची राष्ट्रनिर्मिती मागील भूमिका समजून घेत असताना मानवी मूल्याची संकल्पना समजून घेतली पाहिजे. इतिहास काळातील मानवाने एकूणच मानवी जीवनाच्या सुखावहतेचा विधायक दृष्टिकोन समोर ठेवून केलेल्या चिंतनातून विकास या संकल्पनेचा उदय झाला. ही संकल्पना मानवी जीवन आणि एकूण सजीव सृष्टीच्या कल्याणाचा विचार करते. याचबरोबर मानवी जीवनाच्या विकासाचा विचार येथे होतो. मानवी जीवनाच्या विकासाच्या मुळाशी असणाऱ्या भौतिक व अभौतिक सुविधांचा विचार करताना विज्ञान व साहित्य याचा विचार करावा लागतो. विज्ञान व साहित्य या नाण्याच्या एकच बाजू असल्यामुळे एकूणच भारतातील साहित्याने राष्ट्र निर्मितीत मोलाची भूमिका बजावली आहे. ही भूमिका नाकारून चालणार नाही. भविष्यकाळातही ती महत्त्वाची राहील.
| 28 |
Author(s):
Sunita Amanna Gavade, Dr. Pravin Prabhakar Jadhav .
Page No : 185-190
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Enhancing Citizen Services for Viksit Bharat 2047: A Study of Pune Municipal Corporation’s Grievance Redressal System
Abstract
The vision of Viksit Bharat 2047 aims to transform India into a developed nation by its 100th year of independence. Good governance, digital transformation, and citizen participation are central pillars of this vision. This research paper examines the role of the Pune Municipal Corporation (PMC) grievance redressal system, including its mobile application and online portal, in supporting the goals of Viksit Bharat 2047.
The study highlights how digital complaint registration, real-time tracking, transparency, and citizen feedback mechanisms contribute to efficient urban governance. The paper also explores the role of social media in increasing awareness, strengthening accountability, and promoting civic engagement. It concludes that digital grievance systems at the municipal level play a crucial role in building responsive governance and achieving the objectives of a developed India.
| 29 |
Author(s):
Dr. Sneha P. Jadhav, Dr. Pratibha C. Neharkar.
Page No : 191-195
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Growth with Equity and Green Resilience: Strategic Imperatives for the Indian Economy @ 2047
Abstract
India’s ascent toward a developed economy by 2047, targeting approximately USD 30 trillion in GDP and per capita income surpassing USD 18,000, converges with its pledge of net-zero greenhouse gas emissions by 2070. Drawing on NITI Aayog’s February 2026 suite of eleven integrated reports under “Scenarios Towards Viksit Bharat and Net Zero,” this paper dissects how high-growth trajectories can intertwine with equitable participation and ecological fortitude.
Comparing the Current Policy Scenario (CPS) and Net Zero Scenario (NZS), it reveals that electrification to 60% of final energy use, renewables scaling to 6,150–6,700 GW, and behavioural recalibrations under Mission LiFE can deliver 7–8% annual real GDP growth while slashing final energy demand by nearly 20% versus CPS by 2070. Cumulative investments reach USD 22.7 trillion (NZS), yet a USD 6.5 trillion financing chasm demands orchestrated domestic-external capital flows.
The analysis spotlights synergies—green employment surges, import savings, health dividends—alongside frictions in spatial job shifts and land allocation. Strategic imperatives emerge as a blueprint for forging an inclusive, climate-resilient prosperity model unique to the Global South.
| 30 |
Author(s):
Mrs. Manjushree Kishor Nawale, Dr. Charudatta A. Gandhe.
Page No : 196-203
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Enhancing Reading Skills of Management Students: Role of Library Initiatives towards Viksit Bharat 2047
Abstract
Viksit Bharat’ means ‘Developed India’. Viksit Bharat 2047 is a visionary initiative by the Government of India aimed at transforming the nation into a fully developed country by the year 2047, which marks the 100th year of India’s independence. The vision of Viksit Bharat 2047 aims to make India a fully developed nation, and management students will be one of the main decision makers and leaders of this journey. Management students can be vital pillars for India’s economic transformation and can actively engage in the nation’s progress through idea generation and participation in policy discussions.
However, the digital era has led in "fragmented reading" habits, due to which the deep “reading skills” required by management students for corporate leadership is disturbed. This research paper investigates the role of library-led initiatives in enhancing the reading skills of management students. The study looks at how college libraries can help these students improve their reading skills. The study sampled five management institutes affiliated with Savitribai Phule Pune University, surveying 50 students and 5 librarians.
Key findings reveal a significant decline in "deep reading," and reading solely for exam preparation. Majority respondents prefer digital resources, and a substantial awareness gap exists regarding specialized academic databases. The study highlights that while students acknowledge the link between reading and national growth, library visits remain irregular.
The research suggests that libraries must change from being simple "book storehouses" to active "Knowledge Hubs." They should adopt a "Phygital" model that mixes physical books with digital ease. Institutes should also include mandatory "Guided Library Sessions" in the timetable to encourage focused reading. By providing better remote access and acting as mentors to guide students, libraries can help students move away from superficial browsing and develop the deep-thinking skills needed for the 2047 mission. This roadmap will help management colleges align with the National Education Policy (NEP) 2020 and build a stronger India. Strengthening reading skills is not merely an academic goal but a national necessity for achieving the goals of NEP 2020 and a developed India by 2047.
| 31 |
Author(s):
Dr. Nilesh Ashok Kale.
Page No : 204-211
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Assessment of Crop Combination Pattern for Sustainable Development in Agriculture use of Geospatial Technologies in Shirur Tehsil, Pune District, Maharashtra
Abstract
Sustainable agriculture consists of environmental-friendly methods of farming that allow the production of crops or livestock without damage to human or natural systems. It involves preventing adverse effects to soil, water, biodiversity etc. By making maximum use of technology in agriculture, India can achieve significant success in the agricultural sector. For this purpose, the development of agriculture is extremely important within the concept of Developed India promoted by the Government of India. From this perspective, it is necessary to study the agricultural sector through a scientific approach.
In agriculture, it is important to examine the interrelationship between factors such as cropping patterns, water availability, land, soil, and climate. A detailed and systematic study of these elements helps in understanding the crop composition and agricultural practices of a particular region.
A similar micro-level study has been conducted for Shirur Taluka, focusing on its cropping pattern. The information regarding the cropping pattern in this region is presented as follows. It can take the form of double-cropping, in which a second crop is planted after the first has been harvested, or relay cropping, in which the second crop is started amidst the first crop before it has been harvested. All Twelve types of crop combinations have been identified during2001-2 to 2011-12 for Shirur Tahsil. The villages and area under each crop combination are shown in the table given below. During 2001-12 two crop combination was found in area hectors 3988, and area in 3.93 percent. In 2011-12 2 two crop combination is hectors 6505. The area of three crops combination reduced in 2000-01 (33.15 percent). And 2011-12in which seven villages area in5052 hectors, and 5.22 Present. The area of four crop combination was reduced in 2000-01 (19.39 percent). And 2011-12in which 18 village’s area in 18223 hectors and 18.84 at present it.The twelve crop combination is reduced in 2000-01 (18.47percent). And in 2011-12, it was found in 14 village’s area in 16460 hectors and 17.02 present.
Developed India and agricultural practices are closely related. Changes in agricultural practices and the implementation of geographically appropriate measures are essential to increase agricultural production. By using geospatial technologies and their unique applications, it is possible to contribute significantly toward achieving the vision of a developed India by 2047. In an agriculture-dominated country like India, the development of agricultural technology and new research-based knowledge can help in conducting a detailed study of cropping patterns and farming systems. Through the use of advanced geospatial technologies and scientific analysis, it becomes possible to improve agricultural productivity and planning. This will certainly help in fulfilling the dream of a developed India by 2047.
| 32 |
Author(s):
Asst. Prof. Saae Jedhe.
Page No : 212-219
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Impact of Digital Payments on India’s Financial Growth
Abstract
Digital payments have emerged as a transformative force in India's economic landscape, revolutionizing the way financial transactions are conducted. With the proliferation of smart phones, increased internet penetration, and government initiatives such as Digital India, the adoption of digital payment systems has accelerated significantly. This paper examines the role of digital payments in fostering economic growth, financial inclusion, and transparency while also addressing associated challenges such as cybersecurity risks, regulatory hurdles, and digital literacy gaps. The study highlights the evolution of digital payments from traditional banking transactions to advanced fintech solutions, including Unified Payments Interface (UPI), mobile wallets, and blockchain-based transactions. By reducing dependency on cash, digital payments contribute to enhanced efficiency in financial transactions, curb black money circulation, and improve government revenue collection through better tax compliance. Small and medium enterprises (SMEs), a vital segment of India’s economy, have also benefited from digital payment solutions by expanding their market reach and reducing operational costs. Furthermore, digital payments have played a crucial role in financial inclusion, allowing underserved and unbanked populations to participate in the formal economy through mobile banking, Aadhaar-enabled payment systems, and direct benefit transfers (DBT). However, despite these advancements, challenges remain, such as cybersecurity threats, fraud risks, and digital illiteracy in rural areas, which need to be addressed through robust regulatory frameworks, public awareness campaigns, and improved digital infrastructure. As India moves towards becoming a $5 trillion economy, the continued evolution of digital payments, driven by technological advancements and supportive policy interventions, will be instrumental in shaping its economic future. Innovations in artificial intelligence (AI), blockchain, and central bank digital currencies (CBDCs) are expected to further revolutionize the digital payment ecosystem. This paper provides insights into the benefits, challenges, and future prospects of digital payments in India, underscoring their significance in achieving a cashless and digitally empowered.
| 33 |
Author(s):
Mrs. Suvara N Chowdhary1, Dr. Subhash M. Surya.
Page No : 220-226
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Heritage Tourism and Viksit Bharat 2047
Abstract
India is a country with a rich cultural and historical legacy that attracts millions of tourists every year. Heritage tourism, which involves visiting historical monuments, cultural landscapes, and traditional communities, plays a significant role in promoting cultural awareness and economic development. The national vision of Viksit Bharat 2047 aims to transform India into a developed nation by the centenary year of independence. Tourism, particularly heritage tourism, is considered an important sector in achieving this goal. This study explores the role of heritage tourism in contributing to the objectives of Viksit Bharat 2047. The paper examines the economic, socio-cultural, and infrastructural contributions of heritage tourism. Using secondary data sources such as government reports, tourism statistics, and research publications, the study analyzes the potential of heritage tourism in driving sustainable development. The findings suggest that heritage tourism can significantly contribute to economic growth, employment generation, cultural preservation, and regional development if supported by proper policies, technological innovation, and community participation.
| 34 |
Author(s):
Prachi Joglekar.
Page No : 227-231
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Contribution of Women Empowerment Through Higher Education
Abstract
Women’s empowerment is a critical component of sustainable social and economic development. Higher education plays a transformative role in enhancing women’s social status, economic independence, psychological strength, and decision-making capacity. This paper examines the contribution of higher education to women’s empowerment by analyzing its impact on economic participation, social mobility, leadership development, and psychological well-being. Drawing on existing literature and empirical findings, the study highlights how higher education strengthens women’s self-confidence, autonomy, and access to opportunities. The paper concludes that expanding women’s access to higher education is essential for promoting gender equality and long-term societal progress.
| 35 |
Author(s):
Ankit Wadatkar, Dr. Shrinivas Anand Ippalpalli.
Page No : 232-238
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Rethinking Cultural Hegemony, Canon Formation, and Neo-Colonial Influences in Indian English Literary Studies for Viksit Bharat
Abstract
The vision of Viksit Bharat 2047 emphasizes not only economic growth but also the development of intellectually and culturally self-reliant knowledge systems. Higher education institutions play a significant role in shaping such knowledge through teaching, research, and academic discourse. Within literary studies, the process of canon formation determines which texts, themes, and perspectives become central to academic engagement. The concept of cultural hegemony developed by Antonio Gramsci provides an important framework to understand how dominant cultural and ideological structures influence literary discourse and the institutional recognition of literary works.
Indian English literary studies have evolved within historical contexts shaped by colonial legacies, global literary networks, and prevailing critical traditions. These factors often influence the visibility and interpretation of particular literary texts within academic spaces. This paper examines the relationship between cultural hegemony and canon formation in Indian English literary studies and explores how these processes shape academic engagement with literature. It argues that a reflective rethinking of canon formation can encourage a more balanced and inclusive approach to literary studies, thereby strengthening culturally grounded knowledge systems and contributing to the broader intellectual aspirations associated with Viksit Bharat 2047.
| 36 |
Author(s):
Asha Vinayak Bhutekar, Dr. Jyoti N Mane .
Page No : 239-243
|
Women-Led Digital Enterprises and the Viksit Bharat Vision: Opportunities and Challenges
Abstract
This research examines how women-led digital businesses contribute to the realization of the Viksit Bharat vision, emphasizing inclusive growth, innovation, and economic empowerment. Women entrepreneurs are in a unique position to use technology for scalable impact as digital transformation transforms India’s economy. In addition to highlighting important issues like gender bias, capital access, digital literacy gaps, and ecosystem support limitations, the paper looks at opportunities made possible by government initiatives, digital infrastructure, and shifting social norms. The results indicate that women’s contributions to a developed India by 2047 can be accelerated through targeted policies, capacity building, and stronger networks.
| 37 |
Author(s):
Asst. Prof. Dhokate Abhilasha R..
Page No : 244-248
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Impact of Digital Payments on India’s Financial Growth
Abstract
Over the past decade digital payments have transformed India’s financial ecosystem. In India the rapid expansion of financial technology, mobile banking, and here government initiatives have significantly reduced reliance on cash and improved economic efficiency. Platforms like National Payments Corporation of India’s Unified Payments Interface (UPI) has enabled instant, low-cost transactions for thousands of individuals and businesses. In this paper it analysing; How digital payment systems contribute to India’s financial growth by enhancing financial inclusion, supporting small businesses, promoting economic transparency, and strengthening the digital economy. It also discusses challenges such as cyber security risks, digital literacy gaps, infrastructure limitations and many others. Overall says that, the rise of digital payments has played an important or a very crucial role in shaping India’s modern financial growth and fostering sustainable economic development.
| 38 |
Author(s):
Dr. Rani Shitole .
Page No : 248-353
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The Impact of Digital Payment on India’s Financial Growth
Abstract
The expansion of digital payment technologies in India has significantly reshaped the country’s financial ecosystem and contributed to economic development. With the growth of internet connectivity, smartphone usage, and supportive government policies, digital transactions have become a common method for financial exchanges. This research paper examines how digital payment systems influence India’s economic progress and financial inclusion. It analyzes the role of government initiatives, technological innovations in the fintech sector, and changes in consumer financial behavior.
The study evaluates how digital payment platforms improve transaction efficiency, promote transparency, and encourage the formalization of economic activities. In addition, the research highlights the ways digital payment systems help integrate previously unbanked populations into the formal financial sector. While digital payments provide numerous advantages such as convenience, speed, and cost efficiency, they also present challenges related to digital literacy, infrastructure limitations, and cybersecurity risks.
By examining the current status of digital payment adoption and its broader economic implications, this paper provides insights into how these systems contribute to India’s financial growth. The research also discusses the potential future developments in the digital payment’s ecosystem and their possible role in supporting inclusive and sustainable economic development.
| 39 |
Author(s):
Prof. Yashodhan Prakash Mahajan.
Page No : 249-255
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Measuring The Economic Impact of Startups in India: Evidence-Based Insights for Viksit Bharat
Abstract
India’s aspiration to become a developed nation by 2047 under the vision of Viksit Bharat rests significantly on innovation-driven growth. Over the last decade, startups have emerged as central actors in India’s structural economic transformation. This study examines the measurable economic impact of startups on GDP growth, employment generation, innovation diffusion, financial inclusion, regional development, and global competitiveness. Using a descriptive research design based on secondary data from the Department for Promotion of Industry and Internal Trade (DPIIT), Economic Survey of India, Reserve Bank of India (RBI), NITI Aayog, and World Bank reports, the paper analyses trends in recognized startups, job creation, funding flows, and sectoral distribution. Findings indicate that startups contribute approximately 4% to India’s GDP, have generated more than 20 lakh direct jobs, and play a transformative role in deep-tech, fintech, aggrotech, and health-tech sectors (Economic Survey, 2024; DPIIT, 2024). However, sustainability challenges, funding volatility, regulatory complexities, and global economic uncertainty pose risks to long-term stability. The paper concludes with policy recommendations focusing on financial intelligence systems, risk forecasting mechanisms, institutional strengthening, and inclusive regional expansion to align startup-led growth with India’s developmental trajectory toward 2047.
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Author(s):
Dr. Rakesh Suram.
Page No : 256-268
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Restoring Public Trust Through Digital Transparency: A Strategic Roadmap for Viksit Bharat 2047
Abstract
This research paper explores how digital transparency can rebuild public trust in governance as India strives toward its Viksit Bharat 2047 vision. While initiatives like Digital India and Maharashtra’s Aaple Sarkar portal have established a massive digital infrastructure—evidenced by nearly 97 crore internet connections and billions of UPI transactions—a significant "trust deficit" persists due to administrative inertia, frequent leadership transfers, and a lack of technical expertise at the ground level. Utilizing a descriptive-analytical framework and data from sources like the City E-Governance Index 2026, the study identifies socio-technical barriers such as the digital divide and the "middleman" culture that hinder effective e-governance. The paper proposes a "Trust-by-Design" strategic roadmap that integrates AI for accountability, blockchain for verification, and robust data privacy frameworks to transition from a transactional to a participatory governance model. Ultimately, it concludes that achieving a $30 trillion economy depends on fostering a transparent, ethical, and citizen-centric administration that ensures the dignity of all Indians by 2047.
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Author(s):
Asst. Prof. Pallavi Dhananjay Pise.
Page No : 269-276
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English For Digital Fluency and the AI Revolution
Abstract
The rapid growth of artificial intelligence (AI) and digital technologies has significantly transformed global communication, education, and professional environments. In this context, digital fluency—the ability to effectively use digital tools, understand online communication, and interact with intelligent systems—has become a critical skill. English plays a central role in enabling digital fluency because it remains the dominant language of technology, research, programming, and global communication. This research paper examines the relationship between English proficiency, digital literacy, and the ongoing AI revolution. It explores how English supports access to knowledge, improves human–AI interaction, facilitates global collaboration, and enables participation in the digital economy. The paper also discusses emerging concepts such as prompt literacy, machine-facing English, and AI-assisted language learning. Furthermore, it analyses the challenges and opportunities presented by the integration of AI into language learning and digital communication. The study concludes that English proficiency combined with digital fluency is essential for individuals to fully participate in the AI-driven world
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Author(s):
Asst. Prof. Radhika Gilda .
Page No : 277-283
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Role of Educational Institutions for Viksit Bharat 2047: A Business Management Research Agenda
Abstract
India envisions becoming a fully developed nation by 2047, making 100 years of independence under the vision of Viksit Bharat 2047. Educational institutions play an important role in achieving this goal by shaping human capital, promoting innovation, ensuring social equality and fostering sustainable development. Reforms introduced through National Education Policy 2020, Indian education is undergoing structural and qualitative transformation. This paper examines the strategic role of schools, colleges, universities, and research institutions in shaping economic growth, technological advancement and global competitiveness. The study is based on secondary data from policy documents, reports and scholarly literature.
| 43 |
Author(s):
CA Harshal Baban Jadhav, Dr. Neha Devidas Nalawade.
Page No : 284-289
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Role of Faceless Assessment in Strengthening Direct Tax Administration
Abstract
Tax administration reforms are fundamental to improving fiscal governance, strengthening compliance culture, and enhancing public trust in government institutions. In developing economies, administrative inefficiencies, discretionary practices, and corruption risks often weaken tax systems despite well-designed tax policies. In India, direct tax administration historically relied on jurisdiction-based physical interaction between taxpayers and assessing officers, leading to concerns regarding transparency, accountability, and consistency. The introduction of the Faceless Assessment Scheme by the Income Tax Department represents one of the most significant structural reforms in India’s direct tax governance framework. By eliminating physical interface, introducing automated case allocation, and establishing team-based digital assessment units, the reform seeks to modernize tax administration through technology-driven governance.
| 44 |
Author(s):
Dhobale Archana Vishnu , Dr. Kekane Maruti Arjun .
Page No : 290-305
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Green Banking Practices and Sustainable Development: A Study of Indian Banking Strategies
Abstract
Green banking has emerged as an important strategy for promoting environmentally sustainable economic development within the financial sector. In recent years, Indian banks have increasingly adopted green banking practices to reduce environmental impact, promote resource efficiency, and support sustainable development. The present study examines the various green banking strategies implemented by banks in India and evaluates their role in promoting sustainable development. Key initiatives such as paperless banking, digital and online banking services, green financing, energy-efficient banking operations, and the promotion of environmentally responsible investments are analysed within the framework of sustainable banking practices.
The study is primarily based on secondary data collected from annual reports of banks, publications of financial institutions, research journals, and official reports related to green banking in India. The analysis highlights that Indian banks have made significant progress in adopting environmentally responsible banking strategies; however, the extent and effectiveness of these practices vary across different banking institutions. The findings suggest that green banking not only contributes to environmental conservation but also enhances operational efficiency and supports long-term economic sustainability.
The study concludes that the adoption of comprehensive green banking strategies can play a crucial role in achieving sustainable development goals. It emphasizes the need for stronger regulatory support, increased awareness, and the integration of environmental considerations into banking policies to further strengthen green banking practices in the Indian banking sector.
| 45 |
Author(s):
Dnyandeo Rangnath Pinjari, Dr. Rakesh D. Suram.
Page No : 306-312
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The Role of Tribal Communities in Achieving Viksit Bharat 2047
Abstract
Tribal Communities are different from other citizens by demographic, cultural, political, ecological, and ethical environment. It co-relates the role of Tribal Communities in Achieving Viksit Bharat 2047. This research paper mainly focuses on Forest and wildlife conservation, sustainable agricultural practices, holistic medical practices, fort heritage conservation, and contribution in economic development, Contribution in Tourism Industry and Environmental contribution. This also co-relates role of tribal communities in achieving Sustainable Development Goals as determined by United Nations Organization in the year 2015. Viksit Bharat stage can be achieved by focusing on four pillars i.e. Garib, Yuva, Nari & Annadata (Poor, Youth, Women and Farmers). This research paper tries how contribution of Tribals is important in achieving vision and mission of Viksit Bharat by 2047.
| 46 |
Author(s):
Dr. Babasaheb R. Pandarkar.
Page No : 313-318
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Transforming India into a Developed Nation By 2047: An Analytical Study of Growth, Inclusion and Sustainability
Abstract
India stands at a historic juncture as it aspires to transform into a developed nation by 2047, marking 100 years of independence. The vision of Viksit Bharat 2047 emphasizes sustained economic growth, inclusive development, and environmental sustainability. This research paper examines India’s economic trajectory with special reference to growth indicators, inclusion parameters, and sustainability commitments. Using secondary quantitative data from official sources such as the Reserve Bank of India, NITI Aayog, and Ministry of Statistics and Programme Implementation, the study analyzes trends in GDP growth, poverty reduction, financial inclusion, renewable energy expansion, and carbon emissions. The findings indicate that while India has achieved remarkable progress in economic expansion and digital inclusion, significant challenges remain in employment generation, income inequality, and climate resilience. The paper concludes with policy suggestions to ensure balanced, inclusive, and sustainable growth toward 2047.
| 47 |
Author(s):
Kusumita Vivek Medhekar, Dr. Janardan Kundlikrao Pawar.
Page No : 319-329
|
ESG Performance and Project Completion Delays in the Real Estate Sector: A Correlation Analysis
Abstract
This study examines the correlation between ESG Scores of real estate developers and extension, lapse and delay in completion of projects undertaken by them. The study utilises publicly available secondary data on ESG Scores and real estate projects. Data is analysed using Karl Pearson’s Coefficient of Correlation. The findings show a strong negative correlation between ESG Scores and extensions, lapses and delays in completion of projects. This indicates that developers having high ESG Scores have lower percentage of extensions, lapses and delays in their projects. Moreover, governance and environmental aspects have shown highest negative correlation to extensions, lapses and delays in completion of projects, implying that developers who perform better on these fronts, have lesser extensions, lapses and delays in their projects.
| 48 |
Author(s):
Dr. Khalid Ansar Shaikh, Dr.Sandesh Shrikant Kurade.
Page No : 330-343
|
Artificial Intelligence and Emerging Technologies in Education: A Statistical Study of Their Impact on Teaching and Learning
Abstract
Artificial Intelligence (AI) and emerging technologies are transforming the educational landscape by enhancing teaching methods, learning experiences, and administrative efficiency. AI-powered tools such as adaptive learning platforms, intelligent tutoring systems, learning analytics, and automated assessment systems enable personalized education and data-driven decision-making. This research study investigates the impact of AI and emerging technologies on student learning outcomes using statistical tools and techniques. The study employs a quantitative research design with data collected from students and educators through structured questionnaires and digital learning analytics. Statistical techniques including descriptive statistics, correlation analysis, regression analysis, and hypothesis testing are applied to analyze the relationship between AI-based educational technologies and academic performance. The findings reveal a significant positive relationship between AI adoption and student engagement, performance, and learning efficiency. The study also highlights challenges related to data privacy, ethical concerns, and digital accessibility. The research concludes that effective integration of AI and emerging technologies can significantly improve educational quality and learning outcomes.
| 49 |
Author(s):
Dr. Nalawade Neha D.
Page No : 344-347
|
Digital Payments and Financial Inclusion in India: A Pathway Towards Viksit Bharat 2047
Abstract
In the last ten years, digital payments have changed India's financial landscape. India has moved toward a cashless economy because mobile banking, Unified Payments Interface (UPI), digital wallets, and online banking platforms are all growing quickly. Digital payment systems not only make things easier and faster, but they also help more people access the formal financial system by bringing in people who don't have bank accounts or who don't have enough money to open one. This paper looks at how digital payments are growing in India and how they are helping to make the economy more inclusive. The research relies on the examination of published reports, policy documents, and institutional data from regulatory authorities. It talks about the most important changes, government programs, pros and cons of digital payments. The results show that digital payment systems are very important for making things more open, lowering the cost of transactions, and making the financial ecosystem stronger. To help India reach Viksit Bharat 2047, it will be important to improve its digital infrastructure and security measures.
| 50 |
Author(s):
Dr. Sanju P. Jadhav.
Page No : 348-354
|
Literature As a Tool of Nation Building in Postcolonial India: A Study of Indian Writing in English
Abstract
Postcolonial Indian Writing in English has played a significant role in shaping national consciousness by narrating India’s social realities, historical transitions and cultural diversity in the aftermath of Independence. This paper examines literature as a powerful tool of nation building in postcolonial India focusing on how Indian English writers have contributed to the construction of national identity, democratic values and social awareness. Emerging from the colonial encounter, The Indian Writing in English became a medium through which writers could critically engage with issues such as caste discrimination, communal harmony, Partition trauma, gender inequality and the challenges of modernization. Drawing on postcolonial theory and the concept of the nation as an imagined community, the study analyses selected award-winning Indian English authors whose works reflect different phases of India’s nation-building process. Writers such as R. K. Narayan present a vision of grassroots nationhood rooted in everyday life and cultural continuity while Mulk Raj Anand foregrounds social justice and inclusivity as essential components of a democratic nation. Post-Independence and postmodern writers like Salman Rushdie reinterpret national history through innovative narrative techniques questioning fixed ideas of identity and nationhood. Similarly, the contemporary authors address globalization, migration and marginalization, thereby expanding the scope of nation building beyond territorial boundaries. This paper also argues that Indian English literature functions not merely as artistic expression but as a cultural and ethical discourse that critiques existing inequalities while envisioning a more inclusive and pluralistic nation. By representing diverse voices like rural and urban, marginalized and diasporic, these works contribute to national self-reflection and social reform. The study concludes that Indian Writing in English remains a vital force in shaping India’s evolving national narrative and continues to be relevant in contemporary discussions of development, democracy and cultural identity.
| 51 |
Author(s):
Ms. Reshma Sherkhan Pathan.
Page No : 355-362
|
A Study of The Digital Transformation in Indian Business
Abstract
In India, digital transformation has gained significant momentum due to rapid advancements in technology, increased internet penetration, and supportive government policies. The "Digital India" initiative, launched in 2015, has played a crucial role in driving digital adoption across sectors by improving digital infrastructure, enhancing connectivity, and promoting the use of digital services.
This research paper examines the multifaceted impact of digital transformation on business performance in India, taking into account both opportunities and challenges, exploring key factors such as government policies, technological advancements, market competition and customer expectations. The study provides a concise analysis of digital adoption across various industries including banking, small manufacturing, healthcare and micro, small and medium enterprises. And this analysis shows that our India is becoming known as a developed India.
| 52 |
Author(s):
Sayali Vaibhav Shelar.
Page No : 363-369
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Architecting Viksit Bharat 2047 The Convergent Role of ONDC and Account Aggregator Frameworks in India’s Financial Transformation
Abstract
As India pursues the "Viksit Bharat 2047" vision, the financial services sector has emerged as a primary catalyst for transitioning into a developed economy. This paper examines the strategic shift toward universal financial inclusion through the lens of digital enablement and interoperable infrastructure. Central to this evolution is the emerging synergy between the Open Network for Digital Commerce (ONDC) and the Account Aggregator (AA) framework. This study explores how this integration addresses long-standing systemic barriers for Micro, Small, and Medium Enterprises (MSMEs) by enhancing data transparency and streamlining credit accessibility.
While existing digital public infrastructure—including UPI and Aadhaar-enabled Payment Systems (AePS)—has established a robust foundation for transactional volume, the next phase of maturity requires a shift toward sophisticated risk management and cybersecurity. The research concludes that a proactive alignment with Sustainable Development Goals (SDGs) and regulatory reforms is essential to protect stakeholder interests and ensure that economic prosperity remains inclusive and sustainable. By synthesizing recent policy directions and digital innovations, this paper provides a roadmap for policymakers and market participants to foster a resilient and equitable financial ecosystem.
| 53 |
Author(s):
Mrs. Manjushree Kishor Nawale, Dr. Charudatta A. Gandhe.
Page No : 370-375
|
Cultivating Reading Proficiencies in Management Students: A Case Study of MKSSS’s Smt. Hiraben Nanavati Institute of Management and Research for Women
Abstract
This research paper explores the critical role of reading proficiencies in the academic and professional success of women management students at MKSSS’s HNIMR, Pune. In today’s corporate world, managers must process complex data, yet many MBA students face a "reading gap" when moving from general to specialized subjects. Using a descriptive case study method and a sample of 36 first-year MBA students, the study examines the five pillars of reading: phonemic awareness, phonics, fluency, vocabulary, and comprehension.
The findings reveal that nearly 50% of students struggle with professional jargons, 64% face difficulties in decoding technical terms, 86% of students experience mental fatigue while reading long reports, and 61% depend heavily on external tools like Google for vocabulary. Over 86% of students recognize that their reading speed and habits directly impact their exam grades. The study concludes that simple literacy is not enough for future managers; there is an urgent need to integrate strategic reading for these management students. The paper suggests practical recommendations such as Business App solutions, Reading and narrating, solving case studies, and speed-reading exercises to transform students into confident, job-ready leaders.
| 54 |
Author(s):
Sagar Bhausaheb Dongare, Prof. Dr. Vilas Vasant Patil.
Page No : 376-380
|
Digital Governance and Farmer Participation: Challenges and Opportunities in Maharashtra
Abstract
Digital governance has emerged as an important mechanism for improving agricultural administration and farmer participation in India. In the state of Maharashtra the digital platforms are increasingly used to deliver agricultural services like crop advisories, subsidies, crop insurance and disaster compensation. Initiatives such as AI-based agricultural advisory platforms and digital farmer databases aim to improve transparency, efficiency and accessibility of government services. For example, Maharashtra has introduced digital platforms providing multilingual advisory services to millions of farmers and integrating data related to soil, weather, and markets. However, the adoption of digital governance among farmers is uneven across the state due to geographical, socio-economic, and technological factors. Regions such as Vidarbha, Marathwada, and tribal areas of western ghat, Gadchiroli face challenges including low literacy, digital illiteracy, poor network connectivity, outdated technology, economic limitations, and lack of awareness about digital platforms. At the same time, digital governance provides significant opportunities for farmers by enabling easy access to government schemes, saving time, improving service delivery, and ensuring transparency in policy implementation. This paper examines the challenges and opportunities of digital governance in the agricultural sector of Maharashtra while considering regional and geographical variations. The study highlights how digital initiatives can strengthen farmer participation if issues related to infrastructure, digital literacy, and accessibility are addressed.
| 55 |
Author(s):
Pragati Shailesh Kudale.
Page No : 381-393
|
Digital Payment Adoption and Its Impact on Consumer Financial Behavior in India: A Step Towards Viksit Bharat 2047
Abstract
Digital payment systems have become an essential part of India’s financial transformation. The rapid growth of mobile technology, internet connectivity, and financial technology platforms has encouraged consumers to adopt cashless payment methods. This study examines the level of digital payment adoption and its influence on consumer financial behaviour. Primary data were collected from 280 respondents through a structured questionnaire. Statistical analysis indicates that digital payment usage significantly affects transaction habits, spending behaviour, and financial management. The findings suggest that wider adoption of digital payments supports financial inclusion, economic efficiency, and transparency. The expansion of digital financial services can therefore contribute to achieving the national vision of Viksit Bharat 2047.
| 56 |
Author(s):
Ganesh Sudhakar Dahiwale, Dr. Ramesh S. Desai.
Page No : 394-400
|
Digital Transformation in Indian Businesses: A Catalyst for Achieving Viksit Bharat 2047
Abstract
India’s vision of Viksit Bharat 2047 aims to transform the country into a developed, inclusive, and globally competitive economy. Digital transformation has emerged as a key driver in achieving this goal. Over the past decade, India has witnessed rapid growth in digital payments, startup ecosystems, and internet penetration. The expansion of UPI transactions, increase in digital payment values, and growth in recognized startups indicate structural changes in the business environment.
This study is based on secondary data collected from reliable sources such as Reserve Bank of India (RBI), DPIIT, and government reports. The findings reveal that digital transformation has strengthened financial inclusion, improved transparency, promoted entrepreneurship, and supported economic formalization. However, challenges such as digital divide and cybersecurity risks remain.
The study concludes that digital transformation plays a vital role in accelerating India’s progress toward achieving the vision of Viksit Bharat 2047 and requires continued policy support and infrastructure development.
| 57 |
Author(s):
Mr. Sonu Dutta, Dr. Hanumant Popat Shinde.
Page No : 401-407
|
Digital Transformation in Indian Businesses: Role in Achieving Viksit Bharat Goals
Abstract
The vision of Viksit Bharat 2047 envisions India as a developed nation driven by innovation, inclusivity, sustainability, and global competitiveness. In this context, digital transformation has emerged as a strategic enabler for accelerating economic growth, enhancing productivity, and fostering inclusive development across sectors. This paper examines the role of digital transformation in Indian businesses and its contribution toward achieving the Viksit Bharat goals. It explores the conceptual foundations of digital transformation and analyzes key technology levers such as cloud computing, artificial intelligence (AI), Internet of Things (IoT), data analytics, cybersecurity, and data management. The study highlights sectoral impacts across manufacturing, services, agriculture, and MSMEs, demonstrating how digital adoption enhances operational efficiency, value creation, and global integration.
The paper further evaluates policy frameworks including Digital India, Make in India, and other institutional initiatives supporting enterprise-level transformation. While digital transformation offers significant gains in productivity, employment generation, and inclusive growth, persistent challenges such as infrastructure gaps, regulatory constraints, skill shortages, and the digital divide remain critical barriers. Through policy recommendations and measurement indicators aligned with national development objectives, the study argues that an integrated ecosystem approach combining government support, institutional coordination, and private-sector innovation is essential to realize the Viksit Bharat vision by 2047.
| 58 |
Author(s):
Ms. Mayuri Shivaji Jejurkar, Dr. Rakesh Suram.
Page No : 408-417
|
Driving Corporate Accountability in Viksit Bharat 2047: An Evaluation of Auditing and Assurance Standards in Enhancing Audit Quality
Abstract
The vision of Viksit Bharat 2047 emphasizes transparent governance, robust institutions, and globally competitive capital markets. Corporate accountability, supported by high-quality auditing and assurance standards, is fundamental to achieving this objective. This study evaluates the effectiveness of auditing and assurance standards in enhancing audit quality within the Indian regulatory framework. Particular attention is given to the role of the National Financial Reporting Authority (NFRA), enforcement trends, inspection findings, and evolving assurance requirements such as sustainability reporting. Between 2022 and 2024, NFRA issued over 90 enforcement orders, including significant auditor debarments, indicating intensified oversight. However, inspection reports continue to identify deficiencies in auditor independence, documentation, internal control testing, and related party transaction verification.
| 59 |
Author(s):
R. R. Bhosale .
Page No : 425-431
|
Impact of Digital Payment on Vegetable Vendors of Talegaon-Dabhade
Abstract
The expansion of digital payment systems in India has reshaped small-scale retail transactions, including those in the informal sector. This study investigates the impact of digital payment adoption on vegetable vendors operating in Talegaon-Dabhade, Maharashtra. The research evaluates the extent of adoption, its influence on sales performance, shifts in customer preferences, operational advantages, and the constraints experienced by vendors. Using a mixed-method approach, data were collected from 80 vegetable vendors through structured questionnaires and personal interviews. The findings reveal moderate adoption of digital payment methods, with observable improvements in customer convenience and sales volume among adopters. However, infrastructural barriers, digital literacy gaps, and trust-related concerns continue to limit universal acceptance. The study concludes that while digital payments offer measurable economic benefits, a hybrid transaction model remains most practical in semi-urban informal markets.
| 60 |
Author(s):
Mr. Ramdas Navnath Mudgule .
Page No : 432-437
|
Impact of Digital Payments on India’s Financial Growth
Abstract
The rapid expansion of digital payments has significantly transformed India’s financial
landscape over the past decade. Initiatives such as Digital India, demonetization in 2016,
and the introduction of the National Payments Corporation of India (NPCI)-led
platforms, particularly the Unified Payments Interface (UPI), have accelerated the shift
toward a less-cash economy. This study examines the impact of digital payment systems
on India’s financial growth, focusing on financial inclusion, transparency, economic
efficiency, and GDP contribution. Using secondary data from the Reserve Bank of India
(RBI), government reports, and industry publications, the research analyzes trends in
transaction volumes, digital adoption rates, and their correlation with macroeconomic
indicators. The findings suggest that digital payments have enhanced financial inclusion
by integrating unbanked and underbanked populations into the formal financial system,
reduced transaction costs, improved tax compliance, and fostered entrepreneurship,
particularly among small and medium enterprises. Furthermore, the growth of mobile
banking, fintech innovations, and secure payment infrastructures has strengthened
consumer confidence and accelerated economic activities across urban and rural
sectors. However, challenges such as cybersecurity risks, digital literacy gaps, and
infrastructural disparities remain significant barriers to equitable growth.
The study concludes that digital payments serve as a critical driver of India’s financial
growth, promoting transparency, efficiency, and inclusive development. Strategic policy
interventions, improved cybersecurity frameworks, and enhanced digital literacy
initiatives are recommended to sustain long-term financial and economic progress.
| 61 |
Author(s):
Dr. Sherumal Pandhari Shende.
Page No : 438-444
|
The Impact of Digital Payments on India’s Economic Development
Abstract
The digital payments system in India has completely transformed its payment methods during the past ten years. The 2016 implementation of demonetisation together with Digital India government programs and UPI Paytm and PhonePe platform launch brought about an enormous increase in digital payment usage. The use of digital payment systems has helped people access financial services while decreasing their need for cash and enabling India to achieve faster economic development.
Digital payments saw increased use because of the COVID-19 pandemic. The combination of movement restrictions and social distancing policies led to a rise in online transactions which affected multiple industries that included e-commerce grocery delivery online education and healthcare payment services. The government and Reserve Bank of India executed programs to encourage contactless payment methods which resulted in increased public confidence regarding digital payment systems. Example: The 21-day lockdown period in 2020 caused urban India to experience a 25% rise in UPI transactions during the March to April time period while rural areas started to use digital technology through government digital subsidy programs and welfare distribution systems.
| 62 |
Author(s):
Mrs. Madhuri Madhav Chandawad, Dr. Subhash Masanappa Suryawanshi.
Page No : 464-469
|
Job Stress and Employee Performance in The BPO Sector: Evidence From Pune
Abstract
The Business Process Outsourcing (BPO) sector has become one of the most dynamic and rapidly expanding segments of the service industry in India. Cities such as Pune have The Business Process Outsourcing (BPO) industry has emerged as a significant contributor to employment and service sector growth in India. Pune has developed into an important center for BPO operations due to the availability of skilled manpower and advanced technological infrastructure. However, employees working in this sector frequently experience considerable levels of work-related stress because of long working hours, night shifts, continuous performance monitoring, and demanding customer interactions.
The present study investigates the relationship between job stress and employee performance among employees working in BPO organizations in Pune. A descriptive research approach was adopted for the study. Primary data were collected through structured questionnaires distributed using Google Forms, while secondary information was obtained from academic journals, books, and industry reports.
The results indicate that several factors such as workload, shift timing, and imbalance between professional and personal life contribute significantly to job stress. The findings also show that increased stress levels can negatively affect employees’ productivity, motivation, and job satisfaction. The study recommends that organizations implement effective stress management practices and employee support systems in order to enhance performance and workplace well-being.
emerged as major hubs for BPO operations due to the availability of skilled manpower, strong technological infrastructure, and increasing global outsourcing demands. However, employees working in the BPO sector often experience significant levels of job stress due to long working hours, night shifts, strict monitoring systems, high performance targets, and demanding customer interactions. The present study examines the relationship between job stress and employee performance among BPO employees in Pune.
The study adopts a descriptive research design. Primary data were collected through structured questionnaires distributed through Google Forms among employees working in selected BPO organizations in Pune. Secondary data were collected from books, research journals, industry reports, and academic databases. The study identifies major stress factors such as workload, shift timing, role ambiguity, and work–life imbalance. The findings indicate that job stress has a significant impact on employee productivity, job satisfaction, and overall work performance.
The study suggests that BPO organizations should introduce stress management programs, employee counseling, flexible scheduling, and supportive work environments to reduce workplace stress and enhance employee performance. The findings of the study may help organizations design better human resource strategies to maintain a productive and satisfied workforce.
| 63 |
Author(s):
Vishakha.
Page No : 470-475
|
Legal Literacy a Missing Link in Education: Evaluation of New Education Policy in The Context of Viksit Bharat
Abstract
Education plays a pivotal role in socio-economic advancement, and in shaping a just society based on democratic principles. Educational policies thus play a crucial role in altering the ethos of the nation. The National Education Policy (NEP), 2020 is one such attempt to transform India’s education system through multidisciplinary approach, holistic education and value-based pedagogy. While inclusivity, and implementation challenges of the policy have been thoroughly evaluated in the existing scholarship, many conceptual gaps in the policy and their implications on overall development of the nation remain inadequately explored. Given this, the study focuses on legal literacy as a conceptual gap in the policy. By employing doctrinal methodology, this paper investigates whether NEP has structurally incorporated legal literacy in its provisions as well as the objectives. The analysis indicates the insufficient focus on legal literacy illustrating a conceptual gap between the policy’s multidisciplinary and holistic approach. The paper argues this omission may restrict accomplishment of developmental goals allied to the objectives of Viksit Bharat, 2047. It concludes by emphasizing the need of incorporating legal literacy in higher education to strengthen democracy as envisioned in the objectives of Viksit Bharat.
| 64 |
Author(s):
Kalpana S. Jadhav, Dr. Neha D. Nalawade.
Page No : 476-484
|
Role of Banking Finance in The Growth and Sustainability of MSME’s In India: An Empirical Study
Abstract
Micro, Small and Medium Enterprises (MSMEs) play an important role in the development of the Indian economy. They create large employment opportunities, support local production, and encourage entrepreneurship. However, many MSMEs face difficulties in getting enough financial support for starting, running, and expanding their businesses. Banks are one of the main sources of formal finance for these enterprises. This study examines how banking finance supports the growth and long-term sustainability of MSMEs in India. It focuses on the availability of bank loans, ease of getting credit, interest rates, and the challenges faced by business owners during the loan process. The study is based on both primary data collected from MSME owners and secondary data from official reports. The findings show that proper and timely bank finance helps businesses increase sales, create more jobs and maintain stability during difficult times. At the same time, issues like documentation requirements and collateral security still create obstacles. The study suggests that improving financial awareness and simplifying loan procedures can strengthen MSME development and contribute to overall economic growth in India
| 65 |
Author(s):
Sandip Arvind Nagarkar, Dr. Kishor Nivrutti Jagtap.
Page No : 485-491
|
Role of Cooperative Housing Societies in Achieving the Vision Viksti Bharat 2047
Abstract
Cooperative housing societies in India have played an important role in providing affordable and community-based housing for many years. These societies work on the principles of democratic governance and collective economic participation, where members jointly manage residential facilities.¹
The national vision of Viksit Bharat 2047 aims to transform India into a developed, inclusive, and equitable country by the 100th year of independence. In this context, cooperative housing institutions can contribute significantly by promoting affordable housing, strengthening community resilience, encouraging sustainable practices, and improving the socio-economic conditions of citizens.²
This study reviews existing literature on cooperative housing in India and examines their economic and social contributions. It also evaluates government policies that support cooperative housing development and identifies major challenges and opportunities in relation to national development goals.
| 66 |
Author(s):
Prof. Dr. Pravin Prabhakar Jadhav .
Page No : 492-498
|
Role of Digital Payments in Driving India’s Financial Growth
Abstract
Digital payment systems have emerged as one of the most significant technological innovations in the financial sector. In India, digital payments have transformed the traditional financial system by enabling faster, transparent, and efficient financial transactions. The adoption of digital payment platforms has accelerated due to increasing smartphone penetration, internet connectivity, and government initiatives such as Digital India and financial inclusion programs. The introduction of the Unified Payments Interface (UPI) has further revolutionized the payment ecosystem by enabling instant and secure transactions.
This research paper examines the impact of digital payment systems on India’s financial growth with emphasis on financial inclusion, economic efficiency, transparency, and business development. The study is based on secondary data collected from reports of financial institutions, government publications, and academic literature. The findings indicate that digital payments have significantly contributed to the expansion of the formal financial sector, reduction in cash-based transactions, and increased participation in the digital economy. The research concludes that digital payment systems play a vital role in strengthening India's financial infrastructure and supporting sustainable economic growth.
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Author(s):
Mrs. Kanitkar Priyanka A , Dr. Nalawade Neha D .
Page No : 499-502
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Role of Pune Municipal Corporation and Hospitals in Biomedical Waste Management: A Step Towards Viksit Bharat 2047
Abstract
Biomedical waste management has become an important element of urban governance in fast growing cities like Pune. As healthcare facilities are increasing, the generation of biomedical waste has augmented significantly, creating environmental and public health concerns. Proper segregation, collection, transportation, and disposal of biomedical waste are necessary to prevent contamination and disease transmission. This paper examines the roles and responsibilities of the Pune Municipal Corporation (PMC) and hospitals in managing biomedical waste in Pune city. The study is based on analysis of government rules, official reports, and institutional guidelines. It highlights the regulatory framework, operational responsibilities, and governance mechanisms involved in biomedical waste disposal. The findings indicate that while clear legal provisions exist under national regulations, effective coordination and strict monitoring are essential for sustainable implementation. Strengthening institutional accountability and environmental responsibility can contribute significantly towards achieving the broader national vision of Viksit Bharat 2047.
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Author(s):
Shri. Kiran Baban Suryawanshi , Prof. Dr. Kishor Nawale.
Page No : 503-508
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Sustainable Finance and Green Banking: Role in Achieving Viksit Bharat 2047 Goals
Abstract
Sustainable finance and green banking serve as foundational elements for promoting environmentally conscious growth alongside economic inclusion. India's visionary Viksit Bharat 2047 initiative seeks to elevate the nation to developed economy status by the 100th anniversary of independence in 2047. Realizing this requires channeling vast resources into renewables, resilient infrastructure, adaptation measures against climate impacts, and investments prioritizing societal benefits. Sustainable finance embeds environmental, social, and governance (ESG) principles into core financial choices, ensuring decisions balance profitability with planetary health. Green banking advances this by embedding eco-practices in daily operations, from digital-first services to loans favoring low-carbon projects.
This paper explores how these mechanisms propel Viksit Bharat 2047 forward. Employing a qualitative approach with secondary sources spanning 2015-2025, including policy documents and financial metrics, it scrutinizes surges in green bonds, ESG portfolios, renewable lending, and climate-focused budgets. Results highlight India's strides in crafting a robust green finance architecture, yet underscore needs for uniform regulations, advanced risk tools, and skill enhancement across institutions. By fostering innovation and accountability, sustainable finance can bridge funding gaps, support job creation in green sectors, and align India with global net-zero trajectories, ultimately securing a prosperous, equitable future.
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Author(s):
Dr. Geetanjali Gaikwad.
Page No : 509-513
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Sustainable Higher Education Strategies for A Viksit Bharat 2047
Abstract
Higher education is crucial for national development, equipping citizens with advanced knowledge, research capabilities, and professional skills essential for economic growth, innovation, social inclusion, and sustainability. This study reviews India’s higher education sector, highlighting trends such as increasing enrolment, digital learning platforms, and reforms under the National Education Policy (NEP) 2020, alongside challenges including quality gaps, infrastructure limitations, faculty shortages, and regional and socio-economic disparities. The paper emphasizes higher education’s role in achieving a developed Bharat by 2047 through human capital development, research and innovation, social inclusion, and environmental awareness. Strategies for a sustainable, future-ready higher education system include eco-friendly campuses, digital and inclusive learning, skill-based curricula, research-focused programs, and effective governance. Implementing these measures under NEP 2020 can prepare graduates for future challenges and advance India’s vision of an inclusive, innovative, and globally competitive nation.
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Author(s):
Dr. Varsha D. Daswadkar.
Page No : 514-523
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Tax Reforms for Viksit Bharat 2047: Direct and Indirect Tax Perspectives
Abstract
India’s vision of becoming a developed nation by 2047, popularly articulated as Viksit Bharat 2047, requires sustained economic growth, macroeconomic stability, social equity, and institutional strengthening. Taxation plays a central role in achieving these objectives by mobilizing public resources, redistributing income, encouraging productive investment, and guiding economic behaviour. Over the past three decades, India has undertaken significant reforms in both direct and indirect taxation, including corporate tax rationalization and the introduction of the Goods and Services Tax (GST). However, structural inefficiencies, compliance challenges, a narrow tax base, and revenue volatility continue to limit the system’s full potential. This research paper critically examines India’s current direct and indirect tax architecture and evaluates reform pathways necessary to align taxation policy with the developmental aspirations of 2047. Using secondary data analysis, policy review, and comparative insights, the study identifies key structural gaps and proposes strategic reforms aimed at broadening the tax base, enhancing compliance through digital governance, simplifying tax structures, and strengthening fiscal sustainability. The findings suggest that a transparent, technology-driven, equitable, and growth-oriented tax system is essential to support India’s transformation into a high-income, inclusive, and globally competitive economy by 2047.
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Author(s):
Pratik Devidas Bhosale, Dr. Jaysing Babar2.
Page No : 524-530
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The Role of Artificial Intelligence in Transforming Higher Education and Human Resource Development for Achieving the Vision of Viksit Bharat 2047
Abstract
Artificial Intelligence (AI) has become a significant technological advancement that is transforming education, business operations, and workforce development across the globe. In relation to India’s long-term national vision of Viksit Bharat 2047, higher education institutions hold an essential responsibility in preparing skilled human resources who can contribute to technological growth and economic development. This research paper analyses the role of AI in reshaping higher education systems and strengthening human resource development.
The study relies on secondary data gathered from international journals, academic publications, and institutional reports. It examines how AI technologies are being integrated into teaching, learning processes, administrative activities, and HR development within universities and colleges. The findings indicate that AI-supported learning platforms, strong digital infrastructure, and data-based HR analytics play a crucial role in improving educational standards, developing skills, and increasing institutional effectiveness.
Additionally, AI technologies assist in recognizing skill deficiencies and enable personalized learning approaches that equip students for the changing requirements of the job market. The research highlights that the proper adoption of AI in higher education can enhance innovation, productivity, and graduate employability. The paper concludes that universities and colleges must embrace AI-based technologies and modern management strategies in order to contribute effectively to India’s long-term developmental goal of Viksit Bharat 2047.
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Author(s):
निलेश सर्जेराव साळवे, डॉ. किशोर गिरीश नवले.
Page No : 531-537
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आदिवासी महिलांच्या सामाजिक-आर्थिक सक्षमीकरणात बचत गटांची भूमिका
Abstract
सदर संशोधनामध्ये आदिवासी महिलांच्या सामाजिक व आर्थिक सक्षमीकरणामध्ये बचत गटांची भूमिका अभ्यासण्याचा प्रयत्न करण्यात आला आहे. पालघर व ठाणे जिल्ह्यातील आदिवासी महिला बचत गटांच्या सदस्यांच्या अनुभवांच्या आधारे या गटांच्या कार्याचा महिलांच्या जीवनावर होणारा परिणाम समजून घेण्यात आला. संशोधनासाठी वर्णनात्मक व विश्लेषणात्मक पद्धतीचा अवलंब करण्यात आला असून ३६८ महिला सदस्यांकडून प्रश्नावलीच्या माध्यमातून प्राथमिक माहिती संकलित करण्यात आली. तसेच विविध पुस्तके, संशोधन लेख आणि सरकारी अहवालांच्या आधारे दुय्यम माहितीचा उपयोग करण्यात आला.
अभ्यासातून असे दिसून आले की बचत गटांमध्ये सहभाग घेतल्यामुळे बहुसंख्य महिलांच्या वैयक्तिक उत्पन्नात वाढ झाली असून त्यांच्या आर्थिक स्थितीत लक्षणीय सुधारणा झाली आहे. तसेच घरगुती सुविधांमध्ये वाढ होऊन कुटुंबाच्या राहणीमानात सकारात्मक बदल झाले आहेत. अनेक महिलांनी बचत गटांच्या माध्यमातून किरकोळ व्यापार, शेतीपूरक व्यवसाय व लघुउद्योग सुरू करून आर्थिक स्वावलंबन प्राप्त केले आहे. याशिवाय महिलांमध्ये आत्मविश्वास, आर्थिक साक्षरता, सामाजिक प्रतिष्ठा आणि निर्णय क्षमता वाढल्याचेही आढळून आले.
या सर्व निष्कर्षांवरून असे स्पष्ट होते की आदिवासी महिला बचत गट हे महिलांच्या सामाजिक व आर्थिक सक्षमीकरणासाठी प्रभावी साधन ठरत आहेत. त्यामुळे ग्रामीण व आदिवासी भागातील महिलांच्या सर्वांगीण विकासासाठी बचत गटांना प्रोत्साहन देणे अत्यंत आवश्यक आहे.
| 73 |
Author(s):
रविंद्र प्रकाश वाघमारे.
Page No : 538-547
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भारताच्या आर्थिक विकासावर डिजिटल पेमेंटचा प्रभाव : एक चिकित्सक व सांख्यिकीय अभ्यास
Abstract
भारतामध्ये डिजिटल पेमेंट प्रणालीचा झपाट्याने झालेला विकास हा आर्थिक परिवर्तनाचा महत्त्वाचा टप्पा ठरला आहे. विशेषतः २०१६ नंतर National Payments Corporation of India (NPCI) द्वारे विकसित Unified Payments Interface (UPI) मुळे डिजिटल व्यवहारांचे प्रमाण लक्षणीय वाढले. प्रस्तुत संशोधनाचा उद्देश २०१६-२०२५ या कालावधीत डिजिटल पेमेंट प्रणालीचा GDP, करसंकलन आणि आर्थिक समावेशनावर झालेला परिणाम T-test व ANOVA चाचण्यांच्या साहाय्याने विश्लेषित करणे हा आहे. दुय्यम आकडेवारी Reserve Bank of India, National Payments Corporation of India आणि Ministry of Finance यांच्या अहवालांवर आधारित आहे. निष्कर्षानुसार डिजिटल पेमेंट आणि GDP वाढ यामध्ये सकारात्मक व सांख्यिकीय दृष्ट्या महत्त्वपूर्ण संबंध आढळतो (p < 0.05).
| 74 |
Author(s):
डॉ. शुभांगी ज्ञानदेव काळे .
Page No : 548-553
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विकसित भारत – २०४७ आणि स्टार्टअप इंडिया एक अभ्यास
Abstract
२०४७ मध्ये भारताच्या स्वातंत्र्याची शंभर वर्ष पूर्ण होत आहेत. विकसित भारत हे ध्येय भारताला केवळ आर्थिकदृष्ट्या प्रगत बनवणे नाही तर सामाजिक, तांत्रिक आणि शैक्षणिक दृष्ट्या आत्मनिर्भर बनवणे आहे. या स्वप्नाला पूर्ण करण्यासाठी स्टार्टअप इंडिया ही एक मुख्य प्रेरक शक्ती करत आहे. स्टार्टअप इंडिया ही मोहीम विकसित भारत 2047 च्या ध्येयासाठी एक कणा आहे. जी नाविन्यपूर्ण कल्पनांना आर्थिक स्थिरता, रोजगार निर्मिती आणि तंत्रज्ञानाद्वारे प्रोत्साहन देते. २०४७ पर्यंत भारताला ३० ते ४० ट्रिलियन डॉलरची अर्थव्यवस्था बनवण्यासाठी आणि विकसित राष्ट्र बनवण्यासाठी युवा उद्योजकता, डिजिटल क्रांती, मेक इन इंडिया आणि समावेशक विकास हे मुख्य स्तंभ आहेत.
| 75 |
Author(s):
जीवन एकनाथ गायकवाड, डॉ. राणी सोमनाथ शितोळे.
Page No : 555-567
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सामाजिक परिवर्तनातून राष्ट्रीय विकास : विकसित भारत २०४७ चे ध्येय साकार करण्यात बार्टी संस्थेची भूमिका
Abstract
विकसित भारत २०४७ च्या ध्येय पूर्तीच्या राष्ट्रीय दृष्टिकोनातून योगदान आणि सामाजिक न्यायाला चालना देण्यासाठी डॉ. बाबासाहेब आंबेडकर संशोधन आणि प्रशिक्षण संस्थेची (बार्टी) परिवर्तनकारी भूमिका महत्वाची आहे. महाराष्ट्र सरकारने स्थापन केलेली बार्टी अनुसूचित जाती आणि इतर उपेक्षित समुदायांना संशोधन, कौशल्य विकास, शैक्षणिक समर्थन आणि विविध सामाजिक धोरणे सक्षम करण्यासाठी एक प्रमुख संस्थात्मक यंत्रणा म्हणून कार्य करते. भारतरत्न डॉ. बाबासाहेब आंबेडकरांना अभिप्रेत असणारी स्वातंत्र्य, समानता, बंधुता आणि सामाजिक न्याय या चिरस्थायी तत्वांवर रुजलेली ही संस्था शिक्षण, रोजगार, उद्योजकता आणि स्पर्धात्मक परीक्षांमध्ये अनुसूचित जातींतील वंचित घटकांना प्राधान्य देवून ऐतिहासिक असमानता दूर करण्याचा प्रयत्न करते. संबधित अभ्यास भारताच्या दीर्घकालीन विकासात्मक चौकटी, विकसित भारत २०४७ च्या संदर्भात बार्टीच्या उपक्रमांचे विश्लेषण करतो, जो स्वातंत्र्याच्या शताब्दीपर्यंत विकसित, समावेशक आणि समतापूर्ण राष्ट्राची कल्पना करतो. मानवी भांडवल मजबूत करून, पुराव्यावर आधारित धोरणात्मक संशोधनाला प्रोत्साहन देऊन आणि वंचित गटांमध्ये नेतृत्व वाढवून, बार्टी समावेशक वाढ आणि समताधिष्टीत सहभागी विकासात दूरगामी अनुकूल परिणाम करणारे योगदान देते. सामाजिक-आर्थिक गतिशीलता आणि प्रशासन सहभाग तसेच बार्टीच्या कार्यक्रमांचा प्रभाव मूल्यांकन करण्यासाठी धोरणात्मक कागदपत्रे, संस्थात्मक अहवाल आणि दुय्यम साहित्यावर अवलंबून राहून हा पेपर गुणात्मक संशोधन दृष्टिकोन स्वीकारतो. शिवाय, बार्टी सामाजिक सुधारणांसाठी एक उत्प्रेरक म्हणून कसे काम करते हे संशोधनात अधोरेखित केले आहे. लक्ष्यित क्षमता-निर्मिती करण्यासाठी दुर्लक्षित समुदायांचे प्रतिनिधित्व केल्याशिवाय समावेशक विकास साध्य करता येत नाही असा युक्तिवाद यामध्ये केला आहे. निष्कर्षांवरून असे सूचित होते की, बार्टी राष्ट्रीय विकास उद्दिष्टांशी सामाजिक सक्षमीकरणामध्ये महत्त्वपूर्ण भूमिका बजावते, ज्यामुळे न्याय्य आणि लोकशाही समाजाचा पाया मजबूत होतो. शेवटी, शाश्वत आणि समावेशक राष्ट्र-निर्माण धोरणांद्वारे विकसित भारत २०४७ च्या व्यापक आकांक्षा साकार करण्यासाठी बार्टी संस्था महत्वपूर्ण आहे.
| 76 |
Author(s):
प्रा. डॉ. किशोर गिरीश नवले.
Page No : 568-575
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सूक्ष्म आणि लघु उद्योगांच्या नफाक्षमतेवर ‘आडव्या उत्पादन श्रेणीचा विस्तार’ आणि ‘काटकसरी विपणन’ यांच्या होणाऱ्या प्रभावाचा एक विश्लेषणात्मक अभ्यास
Abstract
भारतातील लोकसंखेच्या विविध आर्थिक, सामाजिक घटकांचा विचार केला तर भारत देश अजूनही विकसनशील देश असल्याचे दिसून येते. भारतातील मोठ्या प्रमाणावरील छोटे उद्योजक अजूनही एकाच प्रकारच्या वस्तूचे उत्पादन आणि विक्री करतानाचे दिसून येते. एकाच उत्पादनावर अवलंबून राहिल्यामुळे व सदर उत्पादन विक्रीमध्ये वाढ न झाल्यास मोठ्या प्रमाणावर आर्थिक जोखमीला सामोरे जातात असे संशोधकास दिसून आले. या विविध घटकांचा विचार करून संशोधकाने 'आडव्या उत्पादन श्रेणीचा विस्तार' (Horizontal Product Line Extension) म्हणजेच एकाच व्यवसायात संबंधित एकापेक्षा जास्त उत्पादने उत्पादित करणे आणि विक्री करणे किंवा एकाच व्यवसायात एकापेक्षा जास्त उत्पादनांची विक्री करणे किंवा विक्रीसाठी ठेवणे व तेही अतिरिक्त जागा न घेता महसूल कसा वाढवू शकते. त्याबरोबरच 'काटकसरी विपणन' (Frugal Marketing) किंवा कमी खर्चातील विपणन तंत्राचा वापर करून छोटे उद्योजक आपला नफा वाढवू शकतात काय? या व अशा विविध बाबींचा अभ्यास प्रस्तुत संशोधन लेखात संशोधकाने केला आहे थोडक्यात उपलब्ध जागेचा आणि ग्राहकांच्या पसंतीचा पुरेपूर वापर केल्यास व्यवसायाचा 'ब्रेक-इव्हन पॉईंट' (Break-Even Point) कमी होऊन निव्वळ नफ्यात वाढ होते असे संशोधकास दिसून आले. प्रस्तुत संधोधन हे वर्णनात्मक आणि विश्लेशणात्मक पद्धतीने केले असून दोन्हीही प्रकारच्या म्हणजेच प्राथमिक आणि द्वितीय माहिती संकलन स्त्रोतांचा वापर केला आहे.
| 77 |
Author(s):
नामदेव विठ्ठलराव बच्चेवार, डॉ. शिवराज रामराव पाटील.
Page No : 576-583
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विकसित भारत आणि महिला शेतकऱ्यांची भूमिका
Abstract
भारत हा कृषिप्रधान देश असून देशाच्या आर्थिक, सामाजिक आणि अन्नसुरक्षा व्यवस्थेचा कणा म्हणजे शेती होय. विकसित भारताच्या निर्मितीसाठी कृषी क्षेत्राचा विकास अत्यंत आवश्यक आहे. या कृषी व्यवस्थेमध्ये महिला शेतकऱ्यांचे योगदान महत्त्वपूर्ण असूनही त्यांची भूमिका दीर्घकाळ दुर्लक्षित राहिली आहे. ग्रामीण भागात महिला शेतीतील जवळपास सर्व कामांमध्ये सक्रिय सहभाग घेतात बी पेरणी, रोप लावणी, तण काढणे, कापणी, पशुपालन, दुग्धव्यवसाय, बियाणे संवर्धन इत्यादी. या संशोधनात विकसित भारताच्या संकल्पनेत महिला शेतकऱ्यांचे योगदान, त्यांची सद्यस्थिती, समस्या, आव्हाने आणि विकासातील संभाव्य भूमिका यांचा अभ्यास करण्यात आलेला आहे. महिला सशक्तीकरणाशिवाय कृषी क्षेत्राचा शाश्वत विकास शक्य नाही, हा या अभ्यासाचा मुख्य निष्कर्ष आहे.
| 78 |
Author(s):
डॉ. आशुतोष आबासाहेब देशमुख, श्री. महेश दत्तात्रय गावडे.
Page No : 584-591
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२०४७ पर्यंत विकसित भारत निर्माण करण्यात कुक्कुटपालन व्यवसायाचे योगदान
Abstract
कुक्कुटपालन हे विशेषतः ग्रामीण आणि अविकसित भागात आर्थिक समृद्धी वाढवण्याचा एक मार्ग आहे. या संशोधन पेपरमध्ये भारतातील आर्थिक परिवर्तन घडवून आणण्यात आणि सर्वसमावेशक वाढीला चालना देण्यात कुक्कुटपालनाची भूमिका स्पष्ट केली आहे. २०४७ पर्यंत विकसित राष्ट्र किंवा " विकसित भारत" बनण्याच्या भारताच्या ध्येयात कुक्कुटपालन उद्योग कसा हातभार लावू शकतो याचे परीक्षण केले आहे. हे संशोधन कुक्कुटपालनाचे आर्थिक फायदे अधोरेखित करते, ज्यामध्ये रोजगार निर्मिती आणि सुधारित उपजीविका समाविष्ट आहे, विशेषतः ग्रामीण भागात डेटा विश्लेषण आणि केस स्टडीजद्वारे, या पेपरमध्ये भारतासाठी अधिक समृद्ध आणि निष्पक्ष भविष्य घडवण्यात कुक्कुटपालन कशी महत्त्वाची भूमिका बजावू शकते यावर भर देण्यात आला आहे. शेवटी,हा पेपर स्पष्ट करतो की कुक्कुटपालन हा केवळ एक व्यवसाय नाही तर भारताच्या विकास धोरणाचा एक आवश्यक भाग आहे, जो २०४७ पर्यंत सर्व नागरिकांसाठी अधिक समावेशक, समृद्ध आणि निष्पक्ष भविष्य निर्माण करण्यात महत्त्वाची भूमिका बजावेल.
| 79 |
Author(s):
जाधव अश्विनी रमेश, डॉ. राणी सोमनाथ शितोळे.
Page No : 592-598
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कॉर्पोरेट सोशल रिस्पॉन्सिबिलिटी आणि विकसित भारत २०४७: एक प्राथमिक सांख्यिकीय अभ्यास पुणे औद्योगिक क्षेत्रातील निवडक कंपन्यांच्या सामाजिक योगदानाचे सखोल विश्लेषण
Abstract
प्रस्तुत शोधनिबंध भारतीय कंपनी कायदा २०१३ च्या कलम १३५ अंतर्गत अनिवार्य असलेल्या कॉर्पोरेट सोशल रिस्पॉन्सिबिलिटी (CSR) आणि भारत सरकारच्या 'विकसित भारत २०४७' या महत्त्वाकांक्षी संकल्पनेतील परस्पर संबंधांचे विश्लेषण करतो. पुण्याच्या औद्योगिक पट्ट्यातील ११३ उत्तरदात्यांकडून प्राथमिक माहिती संकलित करण्यात आली आहे. सांख्यिकीय विश्लेषणाद्वारे असे सिद्ध झाले की, सीएसआर अंतर्गत केला जाणारा खर्च आणि विकसित भारताचे मानवी विकास निर्देशांक यांच्यात अत्यंत सकारात्मक संबंध आहे. हा अभ्यास धोरणकर्त्यांना खाजगी गुंतवणुकीचे योग्य नियोजन करण्यासाठी एक दिशादर्शक आराखडा प्रदान करतो.
| 80 |
Author(s):
महेंद्र गोपाळ सावंत.
Page No : 599-605
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शाळामध्ये निर्माण होणाऱ्या आपत्ती आणि त्याचे व्यवस्थापन
Abstract
दैनंदिन जीवनात मनुष्याला अनेक बाबींची पूर्वतयारी, नियोजन करावे लागते. आपण यालाच व्यवस्थापन असे म्हणतो. आजवर आपण खासगी किंवा व्यावसायिक बाबींचे नियोजन व पूर्वतयारी याबाबतचे व्यवस्थापन अनुभवलेले आहे. परंतु सध्या आपणास आपत्ती व्यवस्थापन हा नवीन शब्द दररोज ऐकण्यात येत आहे. आपत्ती व्यवस्थापनाचा विचार करताना या विषयाला जनजागृतीची अत्यंत गरज असल्याचे जाणवते. त्या अनुषंगानेच खालील माहिती संकलित केलेली आहे. आपत्ती या निसर्गनिर्मित असो अथवा मानव निर्मित असो त्याचा परिणाम मानवी जीवनावर झालेला दिसतो. मानवाने निसर्गात केलेले हस्तक्षेप आणि त्यामुळे पर्यावरणात झालेला बिघाड यांमुळे मानवास अनेक आपत्तींना तोंड द्यावे लागत आहे. विविध आपत्ती उदा. भूकंप, पूर, आग यामध्ये न घाबरता आपल्या घरात उपलब्ध असलेल्या पारंपरिक व अपारंपरिक साधनांचा वापर बचावासाठी कशा पद्धतीने करावयाचा, याबाबत आपल्या देशात जनजागृती झालेली नाही. त्यामुळेच इतर देशांच्या तुलनेत आपल्या देशात वित्तहानी वा जीवितहानी जास्त प्रमाणात होते. ही हानी कमी करायची असेल तर शालेय स्तरापासून म्हणजेच लहानांपासून मोठ्यांपर्यंत प्रत्येकाला आपत्ती व्यवस्थापनाची माहिती असणे व त्याबाबत सतर्कता असणे आवश्यक आहे. नैसर्गिक आपत्तींना तोंड देण्यासाठी व आपत्तीमध्ये वेळेवर मदत पोहोचवून प्राणहानी कमी करण्यासाठी व निर्माण झालेली परिस्थिती नियंत्रणात आणण्यासाठी प्रशासनाच्या कार्यक्षमतेत वाढ व्हावी या दृष्टीने शासनाने महत्त्वाचे पाऊल उचलले आणि त्यातून आपत्ती व्यवस्थापनाचा जन्म झाला असे म्हटले जाते.
| 81 |
Author(s):
सखाराम नागोराव खुपसे, डॉ. अण्णाजी दयाराम मडावी.
Page No : 606-611
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भौगोलिक नियोजनाद्वारे ग्रामीण आणि आदिवासी विकास
Abstract
ग्रामीण आणि आदिवासी भागांचा विकास हा भारताच्या सर्वांगीण सामाजिक-आर्थिक प्रगतीसाठी अत्यंत महत्त्वाचा घटक मानला जातो. देशातील मोठ्या प्रमाणावर लोकसंख्या ग्रामीण आणि आदिवासी भागांमध्ये राहते, त्यामुळे या भागांचा संतुलित व शाश्वत विकास साधणे ही राष्ट्रीय विकासाची मूलभूत गरज आहे. भौगोलिक नियोजन (Geographical Planning) ही अशी वैज्ञानिक आणि व्यवस्थात्मक प्रक्रिया आहे जी भूप्रदेशाची रचना, नैसर्गिक साधनसंपत्ती, हवामान, जलस्रोत, वनसंपदा, मानवी संसाधने तसेच सामाजिक-सांस्कृतिक परिस्थिती यांचा सखोल अभ्यास करून विकासाचे योग्य नियोजन करते.
प्रस्तुत संशोधन लेखात भौगोलिक नियोजनाच्या माध्यमातून ग्रामीण व आदिवासी विकास साधण्याच्या संकल्पना, उद्दिष्टे आणि धोरणांचा अभ्यास करण्यात आला आहे. ग्रामीण व आदिवासी भागांमध्ये शिक्षण, आरोग्य, पायाभूत सुविधा, रोजगारनिर्मिती, शेती सुधारणा आणि पर्यावरणीय संरक्षण यांसारख्या घटकांचा विकास साधण्यासाठी भौगोलिक नियोजन कसे उपयुक्त ठरू शकते याचे विश्लेषण या लेखात करण्यात आले आहे. तसेच स्थानिक संसाधनांचा योग्य वापर, स्थानिक लोकांचा सहभाग, आधुनिक तंत्रज्ञानाचा वापर आणि शाश्वत विकासाची तत्त्वे यांवर विशेष भर देण्यात आला आहे.
याशिवाय, ग्रामीण आणि आदिवासी विकासाच्या प्रक्रियेत उद्भवणारी विविध आव्हाने जसे की पायाभूत सुविधांची कमतरता, आर्थिक मर्यादा, सामाजिक असमानता आणि पर्यावरणीय समस्या यांचाही विचार करण्यात आला आहे. या संदर्भात प्रभावी नियोजन, स्थानिक प्रशासनाची भूमिका आणि सरकारी धोरणांची गरज अधोरेखित करण्यात आली आहे. त्यामुळे भौगोलिक नियोजनाच्या माध्यमातून ग्रामीण व आदिवासी भागांचा समतोल, शाश्वत आणि सर्वसमावेशक विकास साधता येऊ शकतो, असा निष्कर्ष या अभ्यासातून पुढे येतो.
| 82 |
Author(s):
प्रा. पुरुषोत्तम चंद्रकांत सरगर.
Page No : 612-617
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माहिती व संप्रेषण या तंत्रज्ञानाच्या वापरासाठी ग्रंथालयासमोर असणाऱ्या समस्या : एक अभ्यास
Abstract
आधुनिक ग्रंथालय व्यवस्थेमध्ये माहिती व संप्रेषण प्रणालीचा वापर करताना अनेक आव्हांनाचा या शोधनिबंधात सखोल अभ्यास करण्यात आला आहे. समाजव्यवस्थेचा अविभाज्य् भाग असलेल्या माहिती तंत्रज्ञानाची संशोधन आणि ज्ञानप्रसार प्रक्रियेत त्याची महत्वाची भूमिका आहे.
संशोधनातून असे निदर्शनास आले की क्षेत्रीय अभ्यास प्रणालीचा वापर करुन ग्रंथालयासमोर आधुनिक पायाभूत सुविधांची कमतरता, मर्यादित निधीची तूरतूद आणि प्रशिक्षित मनुष्यबळाची कमतरता ही प्रमुख आव्हानेआहेत. ई-संसाधने व ऑनलाईन डेटाबेस उपलब्ध् असूनही, मर्यादित तांत्रिक साक्षरतेमुळे संसाधनांचा अपेक्षित प्रमाणात उपयोग होत नाही. कॉपीराइट व डेटा बॅकअप यांसारख्या तांत्रिक समस्यांनाही ग्रंथालयांना सामोर जावे लागते.
संशोधनातून असे स्पष्ट् होते की तंत्रज्ञानाचा पूरेपुर वापर करण्यासाठी केवळ संसाधनाची आवश्यकता पुरेशी नसून त्यासाठी प्रशिक्षण कार्यक्रम, आर्थिक धोरणे, सक्षम सुरक्षांची अंमलबजावणी करणे आवश्य्क आहे. बदलत्या तंत्रज्ञानानुसार ग्रंथालयांनी अद्यावत राहिल्यास शिक्षणाची गुणवत्ता व वाचक समाधान वाढण्यास मदत होईल.
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Author(s):
प्रा. महेंद्र कांबळे.
Page No : 618-625
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राष्ट्र उभारणीची ऐतिहासिक मुळे आणि विकसित भारत २०४७
Abstract
1947 ला भारत ब्रिटिशांच्या पारतंत्र्यातून मुक्त झाला. आणि स्वातंत्र्य प्राप्त करून घेतले. अनेक अडचणींना सामोरे जात देशाने प्रगती केली. तरीही विकसनशील म्हणूनच भारताकडे पाहिले जाते. पश्चिम आणि पूर्वेकडील काही विकसित राष्ट्र आपण पाहिली तर, भारत त्या तुलनेत खूप मागे असल्याचे पहावयास मिळते. राष्ट्र उभे करत असताना संसाधनांचा विचार प्रथम करावा लागतो. देशाला एक नव आधुनिक दृष्टी द्यावी लागते. कदाचित भारत हा असा एकमेव देश आहे की, इथे निसर्गाने वरदान दिलेले आहे. इथे शीतकटीबंध उष्णकटिबंध व समशीतोष्ण कटिबंध असे नैसर्गिक वातावरण आहे. व या वातावरणात उगवली जाणारे अन्नधान्य व पिके आहेत. म्हणूनच भारताकडे कृषीप्रधान देश म्हणून पाहिले जाते.
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Author(s):
सौ.ज्योती योगेश वाणी, प्राचार्य डॉ.सुभाष सुर्यवंशी.
Page No : 626-631
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विकसित भारत २०४७ मधील भारतीय बांधकाम क्षेत्रातील शाश्वत विकास धोरणे आणि आव्हाने
Abstract
१९४७ मध्ये देशाला स्वातंत्र्य मिळाले तेव्हापासून देशाचा विकास साध्य करण्यासाठीच विविध प्रकारची धोरणे, उपाययोजना व पंचवार्षिक योजनांची आखणी करण्यात आली या योजनांमध्ये विविध लहान मोठ्या उद्योगांना गती निर्माण व्हावी यासाठी प्रयत्न करण्यात आले. पहिल्या पंचवार्षिक योजनेपासून आजच्या काळातील निती आयोगापर्यंत अवजड उद्योगांवर अधिकतम महत्व देण्यात आले. या उद्योगांचा विकास झाल्यास देशातील लहान मोठ्या सर्व उद्योगांचा विकास होईल यासाठी प्रयत्न करण्यात आले.देशाचा विकास साध्य करण्यासाठी मोठ्या उद्योगांचा विकास होणे देशाच्या अर्थव्यवस्थेच्या दृष्टीने महत्वाचे असते. आजच्या आधुनिक काळात पारंपारिकते कडून आधुनिकतेकडे देशाची गती सुरु आहे. ही गती किंवा विकास आपणांस देशाच्या प्राथमिक उद्योग म्हणजेच कृषी उद्योगात दिसून येतो.या क्षेत्रात नवनवीन तंत्रज्ञानाचा वापर केला जातो व या तंत्रज्ञानानुसार संकरित उत्पादने घेतली जातात. या उद्योगानंतर महत्त्वाचा उद्योग म्हणजेच बांधकाम उद्योग आहे. या बांधकाम उद्योगांमध्ये नवीन तंत्रज्ञानाद्वारे इमारती, व्यावसायिक क्षेत्र उभारले जात आहे. नवीन तंत्रज्ञानाच्या साह्याने विविध डिझाईन द्वारे इमारती बांधल्या जात आहेत. बांधकाम क्षेत्रामध्ये शाश्वत विकास महत्त्वाचा आहे. शाश्वत विकास म्हणजेच निसर्गाचे संरक्षण करण्यासाठी व निसर्गातील काही गोष्टी पुढील पिढीला जशा आहे तशा वापरता याव्यात यासाठी आर्थिक दृष्टिकोनातून सामाजिक प्रगती साधने होय. बांधकाम क्षेत्रात शाश्वत विकास म्हणजेच विविध इमारती व पायाभूत सुविधा इत्यादी पर्यावरणाचे संरक्षण, आर्थिक कार्यक्षमता आणि सामाजिक कल्याण या घटकांचा अभ्यास करून पर्यावरणात समतोल साधने म्हणजेच बांधकाम क्षेत्रातील शाश्वत विकास होय. यामध्ये नैसर्गिक संसाधनांचा मर्यादित व प्रमाणित वापर केला जातो. ऊर्जेतील बचत, पाणी संवर्धन आणि कमी प्रदूषण यावर भर दिला जातो त्यामुळे शास्वत विकास ही संकल्पना प्रत्येक क्षेत्र, उद्योग संस्था यांच्या बाबतीत महत्त्वाची ठरते.
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Author(s):
प्रा. डॉ. रुपेश बनसोडे, सुरज चंद्रकांत भिसे.
Page No : 632-636
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विकसित भारत 2047- मध्ये प्रधानमंत्री सूर्य घर योजनेची भूमिका
Abstract
विकसित भारत 2047 ही भारत सरकारची अत्यंत महत्वाकांक्षी योजना आहे. या योजनेमध्ये भारताला 2047 पर्यंत पूर्ण विकसित राष्ट्र बनविण्याचे व सर्वच क्षेत्रात स्वावलंबी बनविण्याचे उद्दिष्ट आहे. हे उद्दिष्ट साध्य करण्यासाठी काही प्रमुख क्षेत्र पैकी एक म्हणजे ऊर्जा क्षेत्र होय . अक्षय ऊर्जा क्षेत्राचा वापर वाढवून पर्यावरण संरक्षण करणे हे अभिप्रेत आहे. हाच उद्देश डोळ्यासमोर ठेवून अक्षय ऊर्जा क्षेत्रातील अत्यंत महत्त्वपूर्ण योजना म्हणजे सन 2024 मध्ये सुरू झालेली “पीएम सूर्यघर मुफ्त बिजली योजना”( PM Surya Ghar: Muft Bijli Yojana) होय. या योजनेच्या अंतर्गत घराच्या छतावरती सौर पॅनल बसवून स्वस्त वीज उपलब्ध करून देण्याचा महत्त्वाचा उपक्रम आहे. या योजनेचा उद्देश एक कोटी घरावरती रूफ टॉप सोलर सिस्टिम (Rooftop Solar Panels) बसविणे आणि नागरिकांना दरमहा 300 युनिटपर्यंत मोफत वीज देणे हा आहे. या संशोधनात संशोधकाने “प्रधानमंत्री सूर्यघर” योजनेची वैशिष्ट्ये आणि आर्थिक, सामाजिक, पर्यावरणीय क्षेत्रातील महत्त्व / फायदे आणि विकसित भारत 2047 या मिशन मधील योगदान यांचा अभ्यास केला आहे.
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Author(s):
प्रा. सुशील ल. धसकटे.
Page No : 637-640
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समाजविकासातील साहित्याची भूमिका
Abstract
‘साहित्य हा समाजाचा आरसा असतो,’ असे म्हटले जाते. किंबहुना ‘समाजाचे प्रतिबिंब साहित्यात उमटते,’ असेही म्हटले जाते. वास्तविक, या दोन्ही वाक्यातील मथितार्थ एकच आहे. कारण ‘समाज’ ही साहित्याची मुख्य भूमी आहे. यथावकाश पुढे माणसाने चित्रकला, संगीत, शिल्प, अशा विविध कलांची निर्मिती केली. त्यातूनच साहित्याची निर्मिती झाली. साहित्य ही माणसाची एक अभूतपूर्व, अनमोल अशी निर्मिती आणि शोध आहे, असे म्हणता येईल. कलेबद्दल समीक्षक दि. के. बेडेकर म्हणतात, “कला ही कलावंताच्या मनाचा (किंबहुना त्याच्या साऱ्या व्यक्तित्वाचा) एक सहजोद्गार असतो.”१ साहित्यातून माणसाच्या भाव भावनांचे, सुप्त गुणांचे प्रकटीकरण होते. माणूस समूहाने राहतो. अर्थात, समाज माणसांचा मिळून तयार झालेला असल्याने माणूस हा समाजशील प्राणी आहे, असे आपण म्हणतो. समाज अनेक घटकांचा मिळून तयार झालेला असतो. निसर्ग, पर्यावरण, वातावरण हेही समाजाचाच एक अविभाज्य घटक आहेत. एका अर्थाने माणूस आणि समाज हा साहित्याचा केंद्रबिंदू ठरतो, असे म्हणता येते. त्यामुळे साहित्यात माणसाच्या विचारांना, भावनांना महत्त्व प्राप्त झाले.
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Author(s):
Dr. Rakesh Suram, Ramajan Varunkar.
Page No : 641-649
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A Comparative Study of CSR in Public and Private Banking Sector
Abstract
In India CSR is mandatory for all the companies including banking companies. In India banks are generally divided into public sector banks and private sector banks. Public sector banks are registered under the banking companies act and act passing in parliament while private banks are registered under the companies act 2013. Since there is minor difference between public sector banks and private sector banks, it becomes crucial to study the CSR spending patterns of the public sector banks and private sector banks. The companies act2013 makes all the companies to spent two percent of the profit on CSR. Here interesting to know that whether all the banks including public and private are making statutory compliance of the companies act 2013 or not. Since the act clearly state to spent two percent of profit on CSR, it becomes equally important to know the relationship between profitability and CSR. Ultimately, it is the profit which will be spent on the CSR. To study the statutory compliance of CSR, relationship between profitability and CSR and CSR expenditure pattern of the public sector banks and private sector banks, the researcher has selected the above topic.
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Author(s):
Dr. Priyanka Naikwadi, Dr. Vitthal Naikwadi, Sonal Pokharkar.
Page No : 650-654
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Academic Libraries as Catalysts for Research and Innovation in the Vision of “Viksit Bharat 2047”
Abstract
The vision of Viksit Bharat 2047 aims to transform India into a fully developed nation by the centenary of its independence. Education, research, and innovation are considered the most important pillars in achieving this national goal. Academic libraries play a significant role in supporting higher education institutions by providing access to knowledge resources, digital technologies, and research support services. In the digital era, libraries are no longer limited to physical collections but function as knowledge hubs that facilitate scholarly communication, information literacy, and collaborative learning. This paper discusses the evolving role of academic libraries in promoting research and innovation in higher education institutions. It also highlights the importance of digital libraries, institutional repositories, research support services, and information literacy programs in strengthening research ecosystems. The study further reviews relevant literature and identifies major challenges faced by academic libraries. Finally, the paper suggests strategies for strengthening academic libraries to effectively contribute to the national mission of Viksit Bharat 2047.
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Author(s):
Asst. Prof. Jyoti Dhoble.
Page No : 655-662
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Architecting a Resilient Fiscal Future: Strategic Direct and Indirect Tax Re- forms For Viksit Bharat 2047
Abstract
This investigation scrutinizes the longitudinal progression of fiscal restructuring within the urban jurisdiction of Pune, Maharashtra, during the period 2015-2025. By synthesizing archival data with historical marketing perspectives, the study evaluates how institutionalized policy modification influence regional economic stability. Two primary objectives guide the inquiry: assessing the efficacy of direct tax rationalization on investment psychology and measuring the correlation between indirect tax formalization and retail consumption patterns. The research employs a qualitative-historical framework supplemented by bivariate statistical testing. Null hypotheses regarding the independence of digital compliance and revenue growth are tested using regional audit data. Results reveal that the consolidation of disparate levies has recalibrated the commercial equilibrium, fostering a more transparent marketplace. The study posits that regional adaptability is a prerequisite for national policy success as India gravitates toward its twenty-forty-seven developed status goals. These abstract captures the essence of the transition from fragmented state- level levies to a centralized, technology-dependent fiscal apparatus that minimizes administrative friction while maximizing the capture of previously informal transactions. The research, being archival, relies on audited financial statements to ensure the veracity of fiscal trends.
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Author(s):
Dr. Seema Pradip Chaudhary .
Page No : 663-667
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Artificial Intelligence in English Language Teaching: A Mixed-Method Comparative Study of Traditional and AI-Assisted Learning Models
Abstract
Artificial Intelligence (AI) is gradually reshaping educational practices across the world, including English Language Teaching (ELT). Digital tools now assist learners in writing, editing, vocabulary enrichment, and grammar correction. This study investigates the differences between conventional English teaching methods and AI-supported learning models in higher education. Using a mixed-method research design, the study analyses student engagement, writing improvement, feedback patterns, and learning outcomes. Quantitative findings are supported by qualitative insights from interviews and classroom observations. Results show that traditional instruction strengthens conceptual understanding and interpersonal communication, whereas AI-assisted learning promotes immediate feedback, self-directed practice, and flexibility. However, excessive reliance on AI may affect originality and deep-thinking skills. The study recommends a balanced instructional framework that combines teacher guidance with responsible technological integration.
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Author(s):
Anant Shivaji Ipper.
Page No : 668-674
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Catalyzing SDG 8: The Role of PMMY In Fostering Entrepreneurial Mindsets Among Higher Education Graduates in Maharashtra
Abstract
This investigation scrutinizes the institutionalization of the Pradhan Mantri Mudra Yojana (PMMY) within the socio-economic topography of Maharashtra, specifically evaluating its efficacy in catalyzing Sustainable Development Goal 8 objectives among higher education graduates. The research evaluates how micro-credit interventions can be synthesized with the professional aspirations of technical and non-technical degree holders between 2015 and 2025. Two cardinal objectives guide the inquiry: analyzing the correlation between PMMY loan disbursements and the survival rates of graduate-led service startups, and measuring the impact of digital financial inclusion on the scalability of urban micro-enterprises. Utilizing a qualitative-historical methodology supplemented by secondary bivariate statistical analysis, the study tests null hypotheses concerning the independence of Mudra-tier funding and regional employment generation. Data, derived from the Ministry of Finance and Reserve Bank of India archives, reveal that the integration of collateral-free credit diminishes the administrative friction of early-stage venture formation. Results suggest that a hybridized fiscal approach, prioritizing the social contract of financial institutions with the youth, is a prerequisite for the Vikasit Bharat 2047 vision. This abstract captures the essence of shifting graduate policy from job-seeking toward an agency-driven entrepreneurial narrative. Every of the academic institutions analyzed demonstrate a noteworthy potential for combining formal technical learning with digitized fiscal support to protect against market-induced volatility for new founders. The findings highlight the cardinal role of micro-credit in fostering a sturdy ecological for decent work.
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Author(s):
Dr. Yogesh N. Shrikhande .
Page No : 675-680
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Challenges and Strategies for Implementing Sustainable Business Practices in Emerging Indian Markets
Abstract
Sustainable business practices have become a crucial component of modern economic development, especially in emerging economies like India. Businesses today are expected not only to generate profits but also to contribute to environmental protection, social welfare, and ethical governance. The concept of sustainability in business is closely associated with Environmental, Social, and Governance (ESG) principles, which aim to balance economic growth with responsible resource management. However, the implementation of sustainable business practices in emerging Indian markets faces several structural, financial, and institutional challenges.
This research paper examines the key challenges faced by Indian organizations while adopting sustainable business practices and explores possible strategies to overcome these barriers. The study uses secondary data sources such as books, research papers, and policy reports to analyze the existing sustainability framework in India. Findings indicate that lack of awareness, financial constraints, regulatory complexity, and technological limitations are major barriers to sustainability adoption. The paper also highlights strategies such as green innovation, government incentives, sustainable finance, and stakeholder engagement that can help organizations move toward sustainable growth. The research concludes that sustainable business practices can significantly contribute to India’s long-term economic vision and the national goal of achieving a developed economy by 2047.
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Author(s):
Dr. Ramesh S. Desai, Dr. Shivaji Karbhari Dhage.
Page No : 681-688
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Contribution of Higher Education Institutions in Achieving the Vision of “Viksit Bharat 2047”: A Comparative and Analytical Study
Abstract
Higher education plays a vital role in shaping human capital, technological innovation, and economic development. India has articulated an ambitious national goal of becoming a developed nation by 2047 under the vision of Viksit Bharat. Achieving this objective requires a strong and globally competitive higher education system capable of producing skilled manpower and promoting research and innovation. The present study examines the status of higher education in India and compares it with leading global education systems using quantitative indicators such as institutional growth, educational investment, research expenditure, and participation in higher education. The study relies on secondary data collected from national and international sources including the All-India Survey on Higher Education (AISHE), UNESCO Institute for Statistics, and the World Bank. The analysis shows that although India has one of the largest higher education systems in the world, challenges remain in terms of funding levels, research investment, and global competitiveness. Strengthening universities, expanding research funding, and increasing participation in higher education will be crucial for realizing the vision of Viksit Bharat 2047.
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Author(s):
Mr. Bhausaheb Babanrao Jadhav.
Page No : 689-692
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Contribution of Youth for a Developed India
Abstract
In today's situation, the concept of a developed India is being repeatedly mentioned. The government, colleges, universities, schools, and society are discussing the topic of a developed India. Youth are raising questions on the topic of nation building and national integration, quality education system, goals of contribution to social change, human resources and sustainable development. The guiding blueprint for progress that we want to follow will not only be determined by the government, but also by the country. Every citizen of the country will have a contribution and active participation in this. Sabka Prayas, i.e. people's partnership, is a mantra through which big resolutions are fulfilled. Be it the Swachh Bharat Abhiyan, the Digital India Abhiyan, or the fight against Corona, a developed India will be realized only through Sabka Prayas. This is what Prime Minister Narendra Modi had addressed the country in his speech.
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Author(s):
Shri. Balasaheb Mirje, Prof. Dr. Jadhav Pravin Prabhakar.
Page No : 693-702
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Digital Financial Inclusion in India: Progress, Challenges, and Policy Pathways for Achieving Viksit Bharat 2047
Abstract
Financial inclusion has become an important element in promoting inclusive economic development in India. In recent years, the expansion of banking services and the rapid growth of digital payment systems have improved access to formal financial facilities for a large section of the population. The present study examines the progress of digital financial inclusion in India, identifies the major challenges affecting its effective utilization, and explores policy pathways to support the vision of Viksit Bharat 2047. The study is based on primary data collected from respondents regarding the usage of digital financial services and the difficulties faced while using them. Statistical tools such as percentage analysis and hypothesis testing are applied to interpret the data. The findings indicate that digital financial services significantly enhance financial participation, although issues related to digital literacy, internet access, and security concerns continue to affect wider adoption.
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Author(s):
Mr. Parabatarao Bhimarao Baisane, Dr. Subhash Masanappa Suryawanshi.
Page No : 703-711
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Digital Payments and Financial Growth in India: A Study of UPI and Financial Inclusion
Abstract
India is a progressive country and is rapidly moving towards digital development. With the emerging of digital technology, its influence has also been observed in developing country like India. And its impact is clearly visible in the Indian Financial Sector. At present, people rarely carry loose cash in their pockets, yet they continue to perform financial transactions easily. Much of the credit for this transformation should be given to the Unified Payments Interface (UPI) platform, which provides digital payment services. Among the various digital payment platforms, UPI has emerged as the most widely used system for instant money transfer. Researcher examine the relationship between digital payments, financial growth, and financial inclusion in India. The study is based on purely secondary data which is collected from government reports, banking statistics, and various research publications. The findings indicate that digital payment platforms, particularly UPI, have significantly increased financial transactions, improved access to banking various services, and promoted financial inclusion. However, challenges such as digital illiteracy, cyber-security risks, and infrastructure limitations still affect the smooth adoption of digital payments where the people of India are not literate well in some areas. The study concludes that digital payments are a key driver of financial growth and play.
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Author(s):
Dr. Jyoti Mane, Asst. Prof. Snehal Sarnot.
Page No : 712-717
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Digital Payments as a Catalyst for Financial Growth in India: A Case Study Approach
Abstract
The rapid expansion of digital payment systems has significantly reshaped India’s financial ecosystem, positioning digital payments as a key catalyst for financial growth. This study examines the impact of digital payment adoption on India’s financial development, focusing on improvements in financial inclusion, transaction efficiency, transparency, and economic formalization. Drawing on secondary data from government reports and financial institutions, the paper analyses the relationship between digital transactions and indicators such as GDP growth, tax compliance, credit accessibility, and fintech expansion. The findings indicate that digital payment platforms have reduced cash dependency, lowered transaction costs, enhanced access to banking services for previously unbanked populations, and strengthened the overall financial infrastructure.
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Author(s):
Mr. Abhijeet Anand Ahiwale, Prof. Dr. Vilas Vasant Patil.
Page No : 718-725
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Educational Attainment and Women’s Empowerment in India: Implications for Inclusive Development
Abstract
Education is widely recognized as a key driver of women’s empowerment and inclusive development. In India, improvements in female educational attainment over the past few decades have significantly influenced social and economic outcomes. However, disparities in access to higher education persist across socio-economic groups and regions. This theoretical review paper examines the relationship between educational attainment and women’s empowerment in India and explores its implications for inclusive development. The study relies on secondary data from national surveys and international reports to analyze the impact of women’s education on economic participation, social autonomy, and decision-making capacity. Evidence from existing literature indicates that higher education enhances women’s employment opportunities, awareness of rights, and participation in socio-economic development. Educated women are also more likely to make informed health and reproductive decisions and contribute to family welfare. Despite these positive outcomes, structural barriers such as socio-cultural norms, economic constraints, and regional disparities continue to limit women’s access to higher education. The study concludes that strengthening educational opportunities for women is essential for promoting gender equality and achieving inclusive development in India. Expanding access to higher education, providing financial support, and creating gender-sensitive educational environments can significantly enhance women’s empowerment and contribute to sustainable national development.
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Author(s):
Mr. Rajendra Kashinath Nemane , Dr. Jaysing Ramdas Babar.
Page No : 726-732
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From Harmony to Havoc: The Psychological landscape of Azadi
Abstract
The novel Azadi by Chaman Nahal presents a powerful portrayal of the psychological turmoil experienced during the time of India’s independence and the traumatic aftermath of the Partition of India. The present research paper titled “Harmony to Havoc: The Psychological Landscape of Azadi” explores the transformation of human emotions, identities, and relationships in the context of political upheaval and communal violence. Through a psychoanalytical perspective influenced by the theories of Sigmund Freud, the study examines how fear, loss, displacement, and trauma shape the mental states of the characters.
The narrative reflects the shift from a harmonious coexistence of communities to a state of chaos and destruction caused by socio-political conflicts. The protagonist, Lala Kanshi Ram, represents the psychological struggle of individuals who are forced to abandon their homeland and confront the painful realities of migration and identity crisis. The study highlights how the research paper captures collective trauma, emotional fragmentation, and the subconscious responses of individuals facing sudden historical change.
Ultimately, the paper argues that Azadi not only records the historical reality of Partition, but also deeply explores the psychological wounds inflicted on individuals and communities, revealing the complex emotional landscape of a nation transitioning from harmony to havoc.
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Author(s):
Dr. Vishal Barve, Asst. Prof. Mangesh Mundhe.
Page No : 733-739
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Impact of Digital Payment on Economic Growth of Unorganized Sector
Abstract
Digital payment systems have significantly transformed the economic landscape of developing countries like India. The unorganized sector, which includes small vendors, vegetable sellers, beauty parlours, and small shopkeepers, is gradually adopting digital payment methods such as UPI, Google Pay, PhonePe, and Paytm etc. This study examines the impact of digital payment systems on the economic growth of the unorganized sector. The research is based on both primary and secondary data. Primary data was collected from 50 respondents from unorganized sectors through a structured questionnaire. The findings reveal that digital payment methods have improved transaction transparency, increased sales opportunities, and enhanced financial inclusion among small business owners. However, challenges such as lack of digital literacy and internet connectivity still exist. The study concludes that digital payment systems play an important role in improving the economic performance of the unorganized sector.
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Author(s):
Smt. Savita Pandurang Pingat.
Page No : 740-745
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India’s Digital Payment Revolution: Implications for Economic Growth
Abstract
Banking business is changing with time. Today's banking business is an anytime banking and anywhere banking. Customers are getting 24 hours services with the help of online banking technology. Indian economy is an emerging economy. In this economy financial transactions have started to be done using electronic methods. A program of financial reforms has been implemented in India since July 1991. The Narasiham Committee's recommendations to the government in November 1991 and 1998 mainly focused on providing autonomy to banks. Banks have brought about an evolution in the dynamics of their business and financial transactions by using electronic tools such as computer internet for their financial transactions. The Reserve Bank enacted the Payment and Settlement Act in 2007 .The main objective behind this is to reduce the use of cash in financial transactions and increase the use of electronic devices and banking products to move the economy towards a cashless economy. The government has also supported this transformation through initiatives like Digital India, which promotes digital infrastructure and online services. As a result, India has become one of the world’s fastest-growing digital payment markets. However, despite these benefits, challenges such as cyber security risks, internet connectivity issues, and lack of digital literacy still exist. Addressing these challenges is essential to ensure the sustainable growth of digital payments. Following are the digital platform which is used digital payments for various business transaction.
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Author(s):
Dr. Rani S. Shitole, Mrs. Reshma Ganesh Navale.
Page No : 746-751
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Impact of Digital Transformation on IT Startups: Challenges and Prospects
Abstract
Digital transformation has become very important for the growth and survival of IT startups. This paper examines how the use of digital technologies, digital strategies, and a digitally friendly work culture affect innovation, business models, financial performance, and competitive advantage in IT startups. This paper explains the challenges and prospects of IT startups due to digital transformation. The prospects include better flexibility, easier business expansion, creation of new products or services, and improved financial performance. However, there are also challenges, such as a lack of digital skills, resistance to change in organizational culture, limited infrastructure, and risks related to regulations and cybersecurity. The analysis shows that the benefits of digital transformation do not come from using technology alone. They depend on how well the technology, business strategy, and organisational culture work together, as well as the digital skills of employees. Finally, the paper provides useful suggestions for startups founders, investors, and policymakers on how digital transformation can be used effectively to support the long-term growth of startups.
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Author(s):
Mr. Bapusaheb Ashok Madhe, Prof. Dr. Nalawade Neha Devidas.
Page No : 752-759
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Impact of Government Schemes on Financial Inclusion in India
Abstract
Financial inclusion is a key element of balanced economic development and social progress in India. It focuses on providing individuals and businesses—particularly those from low-income groups, rural areas, and marginalized communities—with access to affordable financial services such as banking, credit, insurance, and pension facilities. Recognizing its importance, the Government of India has introduced various initiatives to integrate the unbanked population into the formal financial system. Prominent programs including Pradhan Mantri Jan Dhan Yojana, Pradhan Mantri Mudra Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana, Pradhan Mantri Suraksha Bima Yojana, and Atal Pension Yojana have played a significant role in expanding financial services across the country. The purpose of this study is to evaluate the role and effectiveness of government schemes in strengthening financial inclusion in India. The research relies on secondary data collected from government reports, publications of the Reserve Bank of India, academic journals, and other credible sources. The study examines how these initiatives have enhanced access to banking facilities, increased the number of bank accounts, encouraged digital transactions, and widened insurance and pension coverage. The findings suggest that government initiatives have substantially improved the financial inclusion ecosystem in India. Nevertheless, issues such as insufficient financial literacy, weak digital infrastructure in rural regions, and limited awareness about schemes remain significant challenges. The study concludes that continuous policy initiatives, greater awareness efforts, and improved digital financial systems are necessary for achieving long-term and inclusive financial development in the country.
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Author(s):
Asst. Prof. Manasi Mandar Datar.
Page No : 760-765
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Impact of GST on Indian Businesses: Assessment and Future Prospects
Abstract
This research paper studies the role and effects of the Goods and Services Tax (GST) on the Indian economy. GST was introduced on 1 July 2017. It replaced many indirect taxes that were earlier charged by the central and state governments. The main aim of GST was to make the tax system simpler and help in economic growth.The paper also discusses the problems faced during the early stage of GST implementation and studies its long-term impact on India’s economy. The study shows that GST has helped improve tax compliance, brought many businesses from the informal sector into the formal sector, and increased government revenue. Although some sectors faced short-term difficulties after GST was introduced, the overall impact on the Indian economy has been positive. GST has helped create a more unified and integrated tax system in India.
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Author(s):
Dr. Ramesh S. Desai (Mavchi).
Page No : 766-771
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India’s Economic Transformation toward 2047: Pathways to Growth, Inclusive Development and Sustainability
Abstract
India has entered a transformative phase of economic development with the national vision of becoming a developed country by 2047, marking the centenary of independence. The concept of “Viksit Bharat @2047” emphasizes sustained economic growth, inclusive development, and environmental sustainability as the pillars of long-term progress. This study analyzes the structural transformation required for India to achieve these goals, focusing on growth drivers, inclusion strategies, and sustainability imperatives. The research relies on secondary data from government reports, international organizations, and policy studies. The analysis reveals that India must maintain an average growth rate of around 7–8 percent over the next two decades while expanding employment opportunities, improving human capital, strengthening financial inclusion, and transitioning toward a green and digital economy. The findings highlight that economic expansion alone will not be sufficient; equitable distribution of opportunities and sustainable resource management are equally essential. The study concludes that a balanced strategy combining economic reforms, social investments, and environmental governance will determine India’s success in achieving the vision of a developed and inclusive economy by 2047.
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Author(s):
Gauri Praneet Kodre, Pratik Devidas Bhosale.
Page No : 772-777
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Integration of Artificial Intelligence, Big Data and Cloud Computing in Higher Education for Achieving the Vision of Viksit Bharat 2047
Abstract
India aims to become a developed nation by the year 2047 under the national mission of “Viksit Bharat 2047”. Achieving this vision requires strong human capital, innovation, and technological advancement. Higher Education Institutions (HEIs) play a significant role in preparing skilled professionals and researchers who can contribute to economic growth and social development. In recent years, emerging technologies such as Artificial Intelligence (AI), Big Data Analytics, and Cloud Computing have transformed the education sector by improving teaching practices, research capabilities, and academic management systems. Artificial Intelligence enables intelligent learning platforms that support personalised education and automated assessment systems. Big Data analytics allows institutions to process large volumes of academic data and identify patterns related to student performance and learning behaviour. Cloud Computing provides scalable digital infrastructure that enables online learning environments, collaborative research platforms, and efficient storage of academic resources. The present study examines the integration of Artificial Intelligence, Big Data Analytics, and Cloud Computing in higher education institutions and evaluates their contribution toward achieving the vision of Viksit Bharat 2047. The research is based on a descriptive methodology using secondary data collected from academic journals, government reports, and educational policy documents. The findings of the study indicate that emerging technologies significantly enhance digital learning, academic decision-making, and research innovation. These technologies also help develop digital skills among students and improve institutional efficiency. However, successful implementation requires adequate technological infrastructure, faculty training, and supportive policy frameworks. The study concludes that the integration of advanced technologies in higher education institutions is essential for creating a knowledge-driven society and supporting India’s journey toward becoming a developed nation by 2047.
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Author(s):
Prof. Dr. Yasmeen Ismail Shaikh.
Page No : 778-783
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Role of Higher Education in Making of Viksit Bharat @2047
Abstract
India’s aims to become a developed nation by 2047, marking 100 years of independence. The vision of Viksit Bharat @2047 focuses on economic growth, social development, technological advancement, and global leadership. Higher education plays a Important role in achieving this vision by developing skilled human resources, promoting research and fostering entrepreneurship, innovation, and strengthening democratic and social values. Universities and higher education institutions are central to producing knowledge, building human capital, and also supporting sustainable development. In this paper examines the role of higher education in shaping a developed India by emphasizing quality education, skill development, research and innovation, digital transformation, and inclusive growth. Here the study also highlights the need for reforms in curriculum, governance, and industry collaboration to align education with national development goals.
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Author(s):
Dr. Rakesh D. Suram, Bhairavnath Pujari.
Page No : 784-793
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Role of UCB’s in development of MSME in Viksit Bharat 2047
Abstract
Urban Co operative Banks form a distinct part of India’s financial system. They combine member owned governance with formal banking functions in urban and semi urban areas. Urban Co -Op Banks mainly serve small traders, lower and middle income households, self employed workers and MSMEs. In this way, they link cooperative principles with urban financial inclusion. Under the national vision of Viksit Bharat 2047, which aims to make India a developed, self reliant and sustainable economy by 2047, Urban Co -Op Banks are an important but relatively under studied institutional layer. They connect grassroots stakeholders with the broader growth agenda. This paper studies the current status and performance of Urban Co -Op Banks, assesses their contribution to the pillars of Viksit Bharat 2047, identifies major regulatory, technological and governance challenges, and explores how digital transformation and ESG oriented strategies can reposition Urban Co -Op Banks as strategic partners in India’s development.
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Author(s):
Shri. Gore Vijay Sattu.
Page No : 794-805
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Sustainable Business Practices in India: Strategies and Challenges for Achieving Viksit Bharat 2047
Abstract
Sustainable business practices are increasingly important for achieving balanced economic growth and environmental responsibility in India. This study examines the strategies adopted by businesses to promote sustainability and the major challenges faced in their implementation. The research is based on secondary data collected from research articles, government reports, and sustainability studies. The findings indicate that many organizations are integrating environmentally responsible practices such as efficient resource utilization, renewable energy adoption, and responsible supply chain management. However, financial limitations, technological barriers, and limited awareness remain significant obstacles, particularly for smaller enterprises. Strengthening sustainability strategies can contribute to long-term economic stability and support the national development vision of Viksit Bharat 2047.
| 110 |
Author(s):
Dr. Ashutosh Deshmukh.
Page No : 806-813
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The Contribution of Higher Education in the Perspective of Viksit Bharat 2047
Abstract
Higher education plays a significant role in shaping the socio-economic and technological progress of a nation. In the context of India's long-term developmental vision, Viksit Bharat 2047, higher education institutions are expected to serve as catalysts for innovation, research, skill development, and human capital formation. Universities and colleges contribute to economic development by producing a skilled workforce capable of meeting the challenges of globalization and technological transformation. India possesses one of the largest higher education systems in the world, with more than 1,100 universities and over 45,000 colleges. According to the All India Survey on Higher Education (AISHE 2022–23), total student enrolment in higher education reached approximately 4.46 crore, while the Gross Enrolment Ratio (GER) increased to around 29.5 percent. These developments indicate steady progress toward the National Education Policy (NEP) 2020 target of achieving 50 percent GER by 2035.
Higher education also contributes to social inclusion by providing educational opportunities to marginalized and disadvantaged communities. The integration of technology, research orientation, and industry collaboration enhances employability and promotes innovation-driven growth. However, the sector continues to face challenges such as unequal access, quality concerns, inadequate research funding, and skill mismatches between academic training and industry requirements. This study examines the contribution of higher education institutions in achieving the national vision of Viksit Bharat 2047. The paper analyses the significance of higher education in economic development, social mobility, innovation ecosystems, and global competitiveness. It also highlights current trends, policy reforms, and challenges while suggesting strategies to strengthen the higher education system to support India’s transformation into a knowledge-based economy by 2047.
| 111 |
Author(s):
Aarti Vitthal Shegokar.
Page No : 814-823
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The Role of Higher Education in The Perspective of Viksit Bharat 2047
Abstract
Higher education plays a key role in India's vision of Vikas Bharat 2047, serving as a foundation for economic growth, technological innovation and social development. It fosters skilled professionals, research-based innovation and responsible citizenship essential for a developed nation. Inclusive access and quality education are central to addressing socio economic disparities and promoting equity. Integration of technology, industry collaboration and lifelong learning enhances employability and global competitiveness. Strategic reforms and investment in higher education are critical to achieving sustainable development and transforming India into a knowledge-based economy by 2047. The foundation of a country’s progress is its educational system. Education will be a big catalyst for driving India’s growth and development in the Amrit Kaal. Knowledge, wisdom, creativity, motivation and encouragement are prerequisites for a successful education system. As the fifth-largest economy poised to be the third-largest in the next two years, India is ready to make strategic technological, infrastructure, and education advancements. The nation’s diverse and skilled workforce, nurtured by world-class educational institutions, will boost innovation and productivity. Efforts must be made to bridge the gap in existing knowledge regarding the contemporary importance of interdisciplinary and multidisciplinary studies. India will commemorate its 100 years of independence in 2047. We need to envision an educational system that gives all Indians a sense of independence, fosters inclusive development, and equips them for the opportunities and challenges of the twenty-first century.
| 112 |
Author(s):
प्रा. नाडेकर जे.ए. .
Page No : 824-827
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“विकसित भारत २०४७ के परिप्रेक्ष्य में मीडिया की भूमिका”
Abstract
हमारे देश की सरकार ने वर्ष २०४७ तक “विकसित भारत” बनने का लक्ष्य रखा है। इस लक्ष्य में आर्थिक विकास,सामाजिक, सांस्कृतिक, तकनीकी और लोकतांत्रिक सशक्तिकरण यह सब बाते संमेलीत है। विकसित भारत बनाने में मीडिया की भूमिका अत्यंत महत्वपूर्ण है। मीडिया का काम सिर्फ सूचनाओ का प्रसार करना नही है, बल्कि समाज में जागरूकता, जनमत निर्माण और लोकतांत्रिक मूल्यों को तैयार करने का काम भी करता है। विकसित भारत के निर्माण में मीडिया की बहुत महत्वपूर्ण जिम्मेदारी है l मिडिया निष्पक्ष, पारदर्शी और रचनात्मक पत्रकारिता के माध्यम से समाज में बदलाव करने का काम करता है ।
| 113 |
Author(s):
Dr. Gopale Ramesh Narayan .
Page No : 828-836
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Geographical Study of Closest Facility Analysis with Reference to Time and Distances of Primary Health Centres in Pune District
Abstract
This paper examined the closest facility analysis with reference to time and distances for accessibility from various neighboring settlements towards the primary health centres in the Pune District. Accessibility coverage indicates the degree to which resources are physically available to the general public. Two important accessibility considerations are time and distance. Instead of using distance to measure geographic accessibility, the World Health Organisation suggests using journey time. It is challenging to compare estimates of the distance to health facilities due to the vast differences in topography and transportation infrastructure between and within countries. The number of users who can access and utilise the services limits their maximum capacity in the case of accessible coverage. Using 102 health centres and around 1842 villages, this section explains how network analysis in a GIS framework may be used to model travel time and distance to Primary Health Centres in the Pune District. The PHC facilities were considered demand sites, while the village centroids were determined and considered supply points because the population is not dispersed equally over the geographic area of each village.
| 114 |
Author(s):
Rajashri Yadav Sawant , Dr. Vaishali Mukund Deshpande.
Page No : 837-844
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Impact of Industrial Sickness on Permanent Employee
Abstract
Industrial sickness is increasing in small, medium and large industries and this problem is seen increasing in developed and developing countries. Many industries have closed after Corona. The employees face many problems related to money e.g education, health, living exprience etc. Symptoms of the disease are causing the problem. Production and raw material by identifying the early plan can be brought under control.
| 115 |
Author(s):
Dr. Amit Gogawale .
Page No : 845-857
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Digital Transformation in Higher Education Institutions: A Catalyst For Achieving Viksit Bharat 2047
Abstract
This research paper examines the role of digital transformation in higher education institutions (HEIs) as a key driver for achieving India’s Viksit Bharat 2047 vision. Using secondary data (2018–2024) from sources like the Ministry of Education, AISHE, UGC, and NASSCOM, the study analyzes the impact of digital adoption on institutional performance. Findings show a strong positive correlation between digital infrastructure and student enrollment, along with improvements in research output (68.4%) and employability (43.7%). Digitally advanced institutions also demonstrate higher innovation and competitiveness. The study highlights the need for increased investment, faculty training, and supportive policies to ensure inclusive digital growth in higher education
| 116 |
Author(s):
प्रा. वर्षा पाटोळे.
Page No : 858-861
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लोकसाहित्य, संस्कृती जतन आणि युवा पिढी सक्षमीकरण
Abstract
लोकसाहित्य हे एक अमूल्य सांस्कृतिक संपदा आहे. जी आपल्या समाजाचा इतिहास, संस्कृती आणि मूल्याची गाथा सांगते. लोकसाहित्यामध्ये गाणी, कविता, कथा, लोकोक्ती आणि अन्य मौखिक परंपरांचा समावेश होतो. लोकसहित्याचे जतन आणि प्रचार करणे हे आपल्या सांस्कृतिक विरासतीचे रक्षण करण्यासाठी अत्यंत महत्त्वाचे आहे. लोकसंस्कृतीचा एक महत्त्वपूर्ण भाग म्हणजे लोकसाहित्य होय. पण तरी देखील या लोकसाहित्याचे स्वरूप संमिश्र आणि गुंतागुंतीचे असल्याने त्यात सर्वच समाविष्ट होतील अशी सर्वसामन्य व्याख्या अद्याप झालेली दिसत नाही. लोकसाहित्याचे अभ्यासक, विद्वान आपल्या अभ्यासातून वेगवेगळ्या व्याख्या मांडताना दिसतात. पण तरीही लोकसाहित्य हे लोकांनीच निर्माण केलेले असते हे महत्त्वाचे आहे.
| 117 |
Author(s):
डॉ. मीना ठाकुर.
Page No : 862-866
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राष्ट्र निर्माण और हिंदी साहित्य: 2047 के विकसित भारत हेतु एक वैचारिक विश्लेषण
Abstract
भारत 2047 तक एक विकसित राष्ट्र बनने का लक्ष्य लेकर आगे बढ़ रहा है। यह लक्ष्य केवल आर्थिक प्रगति तक सीमित नहीं है, बल्कि इसमें सामाजिक, सांस्कृतिक, शैक्षिक और बौद्धिक विकास भी शामिल है। राष्ट्र के समग्र विकास में साहित्य की भूमिका अत्यंत महत्वपूर्ण होती है, क्योंकि साहित्य समाज की चेतना, मूल्यों और विचारधाराओं को दिशा प्रदान करता है। हिंदी साहित्य भारतीय समाज की सांस्कृतिक आत्मा का प्रतिनिधित्व करता है और राष्ट्र निर्माण की प्रक्रिया में ऐतिहासिक रूप से महत्वपूर्ण भूमिका निभाता रहा है। विकसित भारत 2047 की परिकल्पना के संदर्भ में हिंदी साहित्य की भूमिका का विश्लेषण करना है। हिंदी साहित्य सामाजिक जागरूकता, सांस्कृतिक संरक्षण, राष्ट्रीय एकता, लोकतांत्रिक मूल्यों और नैतिक चेतना को सुदृढ़ करने का कार्य करता है। साहित्य समाज में सामाजिक न्याय, महिला सशक्तिकरण, शिक्षा के प्रसार और मानवीय मूल्यों को बढ़ावा देने का माध्यम बनता है।
| 118 |
Author(s):
अथर्व संजय शिंदे.
Page No : 867-871
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चर्मकार समाजाच्या व्यवसायाचे आर्थिक व आर्थिकेतर व्यवस्थापन आणि सामाजिक परिणामांचा विश्लेषणात्मक अभ्यास
Abstract
भारतीय समाजरचनेमध्ये विविध पारंपरिक व्यवसायांना ऐतिहासिक आणि सांस्कृतिक महत्त्व आहे. चर्मकार समाज हा अशाच पारंपरिक व्यवसायाशी निगडित असलेला एक महत्त्वाचा घटक आहे. या समाजाचा मुख्य व्यवसाय चामड्यापासून विविध उपयुक्त वस्तू तयार करणे हा असून, या व्यवसायाने अनेक पिढ्यांपासून आपली उपजीविका टिकवून ठेवली आहे. प्रस्तुत संशोधनामध्ये चर्मकार समाजाच्या व्यवसायाचे आर्थिक व आर्थिकेतर व्यवस्थापन यांचा सखोल अभ्यास करण्यात आला आहे.
या अभ्यासामध्ये उत्पन्नाचे स्रोत, खर्चाचे स्वरूप, नफा, बाजारपेठेतील स्थिती यांसारख्या आर्थिक घटकांचा तसेच शिक्षण, कौशल्य, सामाजिक प्रतिष्ठा, आरोग्य यांसारख्या आर्थिकेतर घटकांचा विचार करण्यात आला आहे. याशिवाय या व्यवसायामुळे समाजावर होणारे सकारात्मक आणि नकारात्मक परिणाम देखील तपासले गेले आहेत.
अभ्यासातून असे आढळून आले की, पारंपरिक व्यवसाय असूनही आधुनिक स्पर्धा, तांत्रिक मर्यादा, भांडवलाचा अभाव आणि सामाजिक अडथळे यांमुळे चर्मकार समाजाच्या व्यवसायाची प्रगती मर्यादित आहे. मात्र योग्य धोरणे, कौशल्य विकास, आणि तंत्रज्ञानाचा वापर यामुळे या व्यवसायाला नवसंजीवनी मिळू शकते.
| 119 |
Author(s):
Mr. Agastirishi Bharat Toradmal, Dr. Vilas Vasant Patil.
Page No : 872-878
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Viksit Bharat 2047: Pathways, Challenges and a Multidimensional Framework for a Developed India
Abstract
Viksit Bharat 2047 is India’s long-term national vision to become a developed country by the centenary of independence. The idea goes beyond raising GDP and calls for progress that is inclusive, sustainable, technologically advanced, and institutionally strong. India has made major gains in economic growth, digitalization, infrastructure, and global standing, yet important challenges remain, including inequality, unemployment, regional imbalance, skill gaps, environmental stress, and governance weaknesses. This paper presents a concise multidimensional framework for understanding the Viksit Bharat vision. It argues that development must combine economic transformation, human capital formation, technological innovation, environmental sustainability, spatial balance, and effective governance. The paper also highlights the role of Indian Knowledge Systems in creating locally grounded and resilient development models. The central argument is that India’s transition to a developed nation by 2047 will depend not only on growth, but on equity, institutional capacity, climate resilience, and the ability to translate policy into measurable outcomes.
| 120 |
Author(s):
Dr. Sunanda Waghmare.
Page No : 879-883
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Mental Health Policy as a Catalyst for Viksit Bharat 2047
Abstract
Mental health is essential for individual well-being, socioeconomic productivity, and inclusive national development. As India pursues the Viksit Bharat 2047 vision aiming to transform key social sectors, integrating a strong mental health policy has become imperative. This paper examines the current status of mental health in India, key policy frameworks including legislation and programmes, challenges in implementation, and opportunities for policy strengthening to achieve a mentally resilient and developed Bharat by 2047.
| 121 |
Author(s):
Asst. Prof. Sonam Yadav.
Page No : 884-891
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Higher Education as a tool for Women’s Social, Economic and Political Empowerment in Maharashtra
Abstract
In a modern, competitive global landscape, women play a pivotal role in driving India’s progress. Empowerment serves as a cornerstone for societal advancement, defined by granting women the agency to govern their own lives, exercise independent judgment, and seize opportunities for personal and professional growth Higher education is a tool which can contribute great extent to empower women in a different aspect of life. The basic literacy provides a foundation for women to enter into the competitive world. Through higher education women to learn additional professional skills, specialized knowledge, critical thinking capacity which helps for empowerment.
| 122 |
Author(s):
Khopade Manjula Dinkar, Dr. Gawade Anuja Vikram.
Page No : 892-898
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Digital Payment Systems and Their Role in the Growth of the Indian Hotel Industry
Abstract
Digital payment systems have transformed the way financial transactions are conducted in the hospitality sector. The Indian hotel industry has witnessed significant growth due to the adoption of electronic payment methods such as mobile wallets, debit and credit cards, and UPI-based transactions. These payment systems have improved efficiency, transparency, and customer convenience in hotel operations. The present research paper aims to examine the role of digital payment systems in the growth of the Indian hotel industry. The study highlights the benefits, challenges, and future prospects of digital payments in the hospitality sector. It concludes that digital payment systems contribute significantly to customer satisfaction, operational efficiency, and business expansion in the hotel industry.
| 123 |
Author(s):
Mrs. Jyoti Mahesh Kharatmol, Dr. Hanumant Popat Shinde.
Page No : 899-904
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Impact of UPI System Downtime on Digital Payments
Abstract
The Unified Payments Interface (UPI) has revolutionized digital payments in India, providing a fast, secure, and convenient platform for transactions. However, like any digital infrastructure there is a possibility of temporary unavailability of systems, whether due to technical glitches or scheduled maintenance, interrupts digital transactions and damage trust among both consumers and merchants, ultimately shaping their behavior. This paper proposes the introduction of "Impact of UPI System Downtime on Digital Payments in India, which would examine how UPI outages affect the number of digital payments, how confident people are in the system, and the bigger picture of financial activity.
| 124 |
Author(s):
Dr. Anjua V. Gawade.
Page No : 905-910
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Opportunities and Challenges of Green Banking and Sustainable Finance in India’s Journey toward Viksit Bharat 2047
Abstract
In the era of climate change and environmental degradation, the financial sector has started playing an important role in promoting sustainable development. Green banking and sustainable finance have emerged as key mechanisms through which financial institutions encourage environmentally responsible investments and sustainable economic growth. These practices involve financing renewable energy projects, promoting digital banking to reduce paper consumption, and supporting environmentally friendly business initiatives.
India’s vision of becoming a developed nation by 2047, often referred to as Viksit Bharat 2047, requires a strong financial system that integrates sustainability into its operations. The banking sector can significantly contribute to this vision by directing capital toward green technologies, renewable energy, and environmentally responsible industries. However, the implementation of green banking in India faces several challenges including lack of awareness, regulatory limitations, technological gaps, and limited availability of green financial products.
The present study explores the opportunities and challenges associated with green banking and sustainable finance in India. The research is primarily based on secondary data collected from books, journals, and research papers related to sustainable finance and green banking. The study highlights that green banking has the potential to promote sustainable economic growth, improve environmental quality, and enhance financial stability. At the same time, policy support, institutional reforms, and awareness initiatives are necessary to fully utilize the potential of sustainable finance in India.
| 125 |
Author(s):
CA Sanu Amol Purandare.
Page No : 911-920
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An Analytical Study of Activity-wise CSR Spending by Companies in Achieving Vision of Viksit Bharat 2047
Abstract
Corporate Social Responsibility (CSR) has emerged as a significant alternate mechanism through which corporate entities contribute to national development. In India, CSR spending became mandatory after the enactment of the Section 135 of the Companies Act, 2013, which requires eligible companies to allocate at least 2% of their average net profits towards social development activities listed under Schedule VII of the Companies Act, 2013. The present study analyses CSR spending patterns across major Schedule VII activities in India by the corporate entities and examines how these contributions align with the national vision of Viksit Bharat 2047. The research is based on secondary data obtained from government reports, CSR databases, and published studies. The analysis focuses on major CSR sectors such as education, healthcare, environmental sustainability, rural development and livelihood enhancement.2 The Government of India has envisioned Viksit Bharat 2047, which aims to transform India into a developed nation by the year 2047 being the 100th year of independence, focusing on economic growth, social development, sustainability, and inclusive progress.3 Corporate CSR initiatives can play a significant role in supporting these national goals by directing resources toward social welfare, environmental protection, skill development, and rural development.1 Therefore, analyzing CSR spending across Schedule VII activities helps understand how corporate contributions support the broader vision of Viksit Bharat 2047.3 The findings reveal that education and healthcare receive the highest share of CSR expenditure, together accounting for more than half of total CSR spending in recent years. Other sectors such as environmental sustainability and rural development also receive considerable funding but remain comparatively under-represented. The study highlights the growing role of corporate participation in achieving sustainable development objectives and strengthening India’s social infrastructure. The paper concludes that strategic CSR investments can significantly contribute to inclusive growth and support the long-term developmental vision of Viksit Bharat 2047.
| 126 |
Author(s):
Ms. Shweta Madhukar Borawake, Dr. Janardhan Kundalik Pawar.
Page No : 921-932
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Role of Social Media Marketing in Influencing Customer Buying Decisions
Abstract
Social media marketing has transformed customer buying decisions in India, where over 600 million people use sites such as Instagram and YouTube on a regular basis. Using the offered questionnaire and a mixed-method approach, this research investigates the role it plays in influencing buying choices via influencers, advertisements, and reviews. The findings reveal strong impact, particularly among young, and are backed by previous research indicating that the majority of customers make purchases through social media. Implications educate marketers on sound tactics as worldwide social media advertising spending is projected to reach US$317.33 billion as per Statista's 2026 forecast.
| 127 |
Author(s):
Sulabha Gavit.
Page No : 933-937
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Role of Green Banking and Sustainable Finance in Building a Developed India by 2047
Abstract
The vision of Viksit Bharat @2047 aims to transform India into a developed nation characterized by economic strength, social inclusion, and environmental sustainability. In this transformative journey, green banking and sustainable finance play a crucial role in aligning economic development with ecological preservation. Green banking promotes environmentally responsible banking practices, while sustainable finance integrates environmental, social, and governance (ESG) factors into financial decision-making. This paper explores the significance of these concepts in achieving India’s long-term development goals. It examines policy frameworks, institutional initiatives, and financial innovations that support green growth. The study also highlights the challenges faced in implementing sustainable financial practices and suggests measures to overcome them. The findings indicate that strengthening green banking systems and expanding sustainable finance mechanisms can significantly contribute to building a resilient, low-carbon, and inclusive Indian economy by 2047.
| 128 |
Author(s):
Mr. Shoyab Tayar Shaikh , Dr. Subhash Masanappa Suryawanshi .
Page No : 938-947
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Issues Faced by Milk Producers and Their Prospects for Sustainable Dairy Development
Abstract
The dairy sector plays a vital role in the rural economy by providing employment, regular income, and nutritional security to millions of households. Milk production is one of the most important agricultural allied activities, particularly for small and marginal farmers. Despite its economic and social importance, milk producers face several challenges that affect productivity, profitability, and sustainability. The present study aims to examine the major issues faced by milk producers and to explore the future prospects for sustainable dairy development.
The study focuses on identifying the socio-economic, technical, and marketing problems encountered by dairy farmers. Key issues include rising feed and fodder costs, lack of veterinary and healthcare services for livestock, limited access to modern dairy technology, inadequate financial support, and fluctuations in milk prices. In addition, milk producers often experience problems related to storage, transportation, and marketing of milk due to insufficient infrastructure and weak supply chain management. Small-scale producers are particularly vulnerable because of limited resources, low bargaining power, and dependence on local intermediaries.
The research also examines the role of government policies, dairy cooperatives, and institutional support in addressing these challenges. Various dairy development programs, subsidies, training initiatives, and credit facilities have been introduced to improve productivity and strengthen the dairy value chain. However, the effectiveness of these initiatives largely depends on awareness, accessibility, and proper implementation at the grassroots level.
Furthermore, the study highlights the potential prospects for sustainable dairy development. Adoption of improved breeding techniques, better livestock management practices, expansion of cold chain infrastructure, and the use of digital platforms for milk marketing can significantly enhance the efficiency and income of dairy farmers. Strengthening cooperative societies and promoting farmer-producer organizations can also empower milk producers and ensure fair pricing.
The findings of this study will help policymakers, dairy cooperatives, and agricultural institutions to understand the challenges faced by milk producers and formulate effective strategies for sustainable dairy sector growth. Ultimately, addressing these issues and leveraging emerging opportunities can contribute to improved livelihoods for dairy farmers and the long-term development of the rural economy.
| 129 |
Author(s):
सहा. प्रा. डॉ. यु. डी. सुर्यवंशी.
Page No : 948-955
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भारतातील डिजिटल अर्थव्यवस्थेचा विकास आणि त्याचा विविध क्षेत्रांवरील परिणाम
Abstract
भारत सरकारने १ जुलै २०१५ रोजी डिजिटल इंडिया या महत्त्वाकांक्षी कार्यक्रमाची सुरुवात केली. डिजिटल इंडिया ही एक राष्ट्रीय पातळीवरील पुढाकार असून त्याचा उद्देश भारताला ज्ञानाधिष्ठित आणि डिजिटलदृष्ट्या सक्षम अर्थव्यवस्था बनविणे हा आहे. डिजिटल अर्थव्यवस्था म्हणजे इलेक्ट्रॉनिक किंवा डिजिटल माध्यमांच्या सहाय्याने राबविण्यात येणाऱ्या आर्थिक क्रिया होय. आजच्या जागतिक अर्थव्यवस्थेत डिजिटल तंत्रज्ञानाने अनेक देशांच्या सामाजिक-आर्थिक प्रगतीचे स्वरूप बदलून टाकले आहे.
डिजिटलीकरणामुळे खर्चात घट होते, उत्पादकता वाढते तसेच विविध क्षेत्रांमध्ये नवीन रोजगार संधी निर्माण होतात. या संशोधन लेखात भारतीय अर्थव्यवस्थेवर डिजिटलीकरणाचा झालेला परिणाम अभ्यासण्यात आला आहे. विशेषतः उद्योग, प्रशासन (शासन व्यवस्था), आरोग्य सेवा, कृषी आणि वित्तीय क्षेत्रांवरील डिजिटलीकरणाच्या प्रभावांचे विश्लेषण करण्यात आले असून डिजिटल प्रणालीसमोरील आव्हानांचाही आढावा घेण्यात आला आहे. यासोबतच भारतातील डिजिटल अर्थव्यवस्थेचे प्रमुख घटकही या अभ्यासात स्पष्ट करण्यात आले आहेत.
डिजिटल पेमेंट प्रणाली, कृत्रिम बुद्धिमत्ता (AI), ब्लॉकचेन, पाचव्या पिढीचे (5G) संप्रेषण तंत्रज्ञान, बिग डेटा यांसारख्या प्रगत माहिती व संप्रेषण तंत्रज्ञानाचा व्यापक वापर विविध उद्योगांमध्ये आमूलाग्र बदल घडवून आणत असून अनेक क्षेत्रांमध्ये नव्या संधी निर्माण करत आहे. परिणामी, डिजिटल अर्थव्यवस्था एक सशक्त आणि गतिमान परिसंस्था (Ecosystem) म्हणून उदयास येत आहे.
डिजिटल इंडिया उपक्रमांतर्गत भाषिणी (BHASHINI) सारख्या कृत्रिम बुद्धिमत्तेवर आधारित प्रणालीद्वारे २२ भारतीय भाषांमध्ये त्वरित भाषांतराची सुविधा उपलब्ध करून देण्यात येत आहे. तसेच भविष्यासाठी प्रशिक्षित मनुष्यबळाच्या सहाय्याने AI-आधारित आर्थिक विस्ताराला चालना देण्याचा प्रयत्न केला जात आहे.
