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National Research Journal of Banking and Finance Management

An International Reputed Peer Reviewed Refereed Research Journal I Open Access Journal I Impact Factor: 7.56

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About The Journal



National Research Journal of Banking and Finance Management is a peer-reviewed and refereed scholarly journal (ISSN: 2349-6762) dedicated to advancing research and discourse in the fields of Banking and Finance Management. The journal upholds rigorous academic standards, ensuring the publication of high-quality research contributions.

The National Research Journal of Banking and Finance Management(NRJBFM) is an Biannual peer reviewed refereed research journal Banking and Finance Management is a peer-reviewed academic journal dedicated to the advancement of knowledge and practice in the fields of banking, financial services, and financial management. The journal provides a platform for researchers, practitioners, policymakers, and academics to publish high-quality research that explores theoretical frameworks, empirical analyses, and innovative approaches to the dynamic and evolving world of finance and banking.

The journal welcomes contributions across a broad spectrum of topics, including but not limited to: risk management, financial regulation, corporate finance, fintech innovations, investment analysis, banking operations, and international financial systems. Emphasizing both theoretical rigor and practical relevance, Banking and Finance Management aims to foster insightful dialogue and impactful discoveries that contribute to sound financial practices and informed decision-making globally.

  • The Journal is Published By "National Press Associates"
  • Publisher Website: www.npajournals.org
  • Journal Name: National Research Journal of Banking and Finance Management
  • ISSN: 2349-6762
  • Impact Factor: 7.56
  • Peer Review Process: Double Blind Peer Review Process
  • Low Article Processing Fees
  • Frequency of Publication: Biannual (2 Issues Per Year)
  • Languages: English
  • Accessibility: Open Access
  • Plagiarism Checker: Turnitin

The journal invites submission of manuscripts that meet the general criteria of significance and scientific excellence, and will publish:

  1. Original articles (research paper, short communications, etc.)
  2. Review articles
  3. Conference reports
  4. Book reviews, etc.

Interested in submitting to this journal? We recommend that you review the About the Journal page for the journal's section policies, as well as the Author Guidelines.

Journal Email ID: editornrjbfm@gmail.com

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Current Issue


Year: 2026   Volume No: 13, Issue No: 1, Year: 2026

Paper Title AN EMPIRICAL STUDY ON THE ROLE OF DIGITAL PAYMENTS IN PROMOTING FINANCIAL INCLUSION IN RURAL INDIA
Paper Type
Author Name Niranjan Behara
Country India
DOI https://doi.org/10.5281/zenodo.18543444
Page No. 1-11

Abstract View PDF Download Certificate
AN EMPIRICAL STUDY ON THE ROLE OF DIGITAL PAYMENTS IN PROMOTING FINANCIAL INCLUSION IN RURAL INDIA
Author: Niranjan Behara

ABSTRACT
India’s digital payments revolution has fundamentally reshaped the landscape of financial inclusion, particularly in rural areas where traditional banking infrastructure has long been sparse. The Reserve Bank of India’s Financial Inclusion Index (FI-Index) reached 67.0 in March 2025, marking a 24.3% increase since 2021, with notable gains in access, usage, and quality of financial services. This empirical study synthesises recent literature, government data, and field research to investigate the evolution and adoption of digital payment systems—especially Unified Payments Interface (UPI), mobile wallets, and Aadhaar-enabled Payment Systems (AePS)—in rural India. It examines the impact of digital payments on
access to financial services, savings behaviour, credit access, and economic empowerment, while also analysing persistent challenges such as digital literacy, infrastructure gaps, trust deficits, and gender disparities. Drawing on case studies from West Bengal and comparable states, the report offers policy recommendations for deepening financial inclusion through digital payments, emphasizing the need for targeted interventions, robust infrastructure, and inclusive design.

Keywords: Digital Payments; Financial Inclusion; Rural India; UPI; Aadhaar-enabled
Payment System; Digital Literacy


Paper Title GREEN FINANCE AND GREEN BONDS IN SUSTAINABLE INFRASTRUCTURE DEVELOPMENT: A CONCEPTUAL REVIEW
Paper Type
Author Name Aditi Mehrotra & Mitali Gupta
Country India
DOI https://doi.org/10.5281/zenodo.18604428
Page No. 12-25

Abstract View PDF Download Certificate
GREEN FINANCE AND GREEN BONDS IN SUSTAINABLE INFRASTRUCTURE DEVELOPMENT: A CONCEPTUAL REVIEW
Author: Aditi Mehrotra & Mitali Gupta

ABSTRACT
Green finance has emerged as a vital mechanism for mobilizing capital towards
environmentally sustainable and resilient infrastructure, with green bonds playing a pivotal role. This study examines the role of green finance and green bonds in sustainable infrastructure development through a systematic review and policy-oriented assessment. It explains the concept and scope of green finance and analyses major green bond types— sovereign, corporate, municipal, and project-based—within the green finance framework. Drawing on secondary data from global reports, regulatory documents, and recent academic literature, the study synthesizes evidence on trends, sectoral allocation, and institutional developments in India’s green bond market. Key challenges such as regulatory gaps, greenwashing risks, limited investor awareness, and inadequate project pipelines are identified, and a way forward is suggested through enhanced disclosure norms, policy incentives, and institutional strengthening. Overall, the paper contributes to the literature by providing an India-focused synthesis of green finance instruments and their role in sustainable infrastructure development, with implications for policymakers, regulators, and
market participants.

Keywords: Green Finance, Green Bonds, Sustainable Infrastructure, Greenwashing,
Greenium.


Editorial Policy Peer Review Process Publication Ethics & Practices Plagiarism Policy Open Access, Licencing & Copyright Disclaimer Policy Privacy Policy FAQ Special Issue About The Journal

Latest Announcements

  • CALL FOR PAPERS 2025 (January-June)

    01-01-2025

    SUBMIT PAPERS IN OUR RESEARCH JOURNAL! 2025
    National Research Journal of Banking and Finance Management  contributes in the growth and application of Research & Technology, by delivering the latest information contained in research papers, which enables them to enhance understanding for advancements in research activities. We intends to Disseminate and promote the research works of research scholars, Academia.
  • Subscribe This Journal

    01-01-2025

    We Request to Subscribe our Journals for the Noble Cause to Spread Knowledge, Wisdom and also to Protect Intellectual Property Rights of Scholars Across the World.

    Subscription Price: 3500/- (Bi-Annual)

    CALL NOW!
    +91-9888934889, 7986925354

Publish
Conference
Or Seminar
papers in our journal

Read More

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