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

TABLE OF CONTENTS

Paper Title:
AN EMPIRICAL STUDY ON THE ROLE OF DIGITAL PAYMENTS IN PROMOTING FINANCIAL INCLUSION IN RURAL INDIA
Author Name:
Niranjan Behara
Country:
India
DOI:
https://doi.org/10.5281/zenodo.18543444
Page No.:
1-11
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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
Author Name:
Aditi Mehrotra & Mitali Gupta
Country:
India
DOI:
https://doi.org/10.5281/zenodo.18604428
Page No.:
12-25
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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.

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