| S.No |
Particular |
Pdf |
Page No. |
| 1 |
DR. VIJAYA NITIN GURSAL , SANDIP KISAN GETAM
Abstract:
The sugar industry is a significant contributor to India\'s economy and food security. This research paper explores the trends and challenges in sugar industries, highlighting the need for sustainable and innovative approaches to ensure food security and address the challenges posed by climate change, changing consumer preferences, and market fluctuations.
|
|
1-6 |
| 2 |
MEGAVATHU ARUNA
Abstract:
Green bonds are transforming sustainable finance, funding projects like renewable energy and eco-friendly infrastructure. This research examines their growth, impact, and role in achieving climate goals in India and globally.
|
|
7-10 |
| 3 |
DR. SWETA SONALI
Abstract:
Effective financial management drives corporate success. This research examines how financial strategies impact performance in Indian and global firms.
|
|
11-14 |
| 4 |
DR. SWETA SONALI
Abstract:
This research paper explores the impact of blockchain technology on accounting and financial transparency. Blockchain, a decentralized and immutable ledger, has the potential to transform the accounting profession by increasing transparency, efficiency, and security.
|
|
15-19 |
| 5 |
Ayisha Banu
Abstract:
Innovation in finance and business is increasingly recognized as a key enabler of sustainability,
particularly within emerging economies such as India.
|
|
20-25 |
| 6 |
Dr. Yogendrah Deaokar, Dr. Santosh Shinde
Abstract:
Climate change has made corporate carbon accountability critical for sustainable business operations.
|
|
26-31 |
| 7 |
Sayali Mhatre
Abstract:
The financial landscape in India has witnessed a remarkable shift over the past decade, driven by technological advancements, changing investor behaviour, and the growing acceptance of digital assets.
|
|
32-39 |
| 8 |
-
AN ANALYTICAL STUDY OF STRESS MANAGEMENT REGARDING NONTEACHING STAFF OF SENIOR COLLEGES WITH SPECIAL REFERENCE TO ARTS, SCIENCE, AND COMMERCE COLLEGES IN AKOLE TEHSIL
DOI:DOI:18.A003.aarf.J14I01.010390
Captain Dr. Sachin A. Palande
Abstract:
If we consider the concept of stress in the environment of the non-teaching staff of colleges, it is inevitable.
|
|
40-44 |
| 9 |
Devdeep Sikdar
Abstract:
According to India's National Education Policy (NEP) 2020, equity and inclusion are essential to achieving social justice and high-quality education.
|
|
45-51 |
| 10 |
Prof. Gitanjali Gitaram Varpe
Abstract:
In the modern business environment, organizations generate large amounts of data from customers, operations, and markets. Making strategic decisions using this data has become a key challenge for managers.
|
|
52-57 |
| 11 |
Dr. Vishvajit Suryakant Thigale , Dr. Mahesh Ashok Bomble
Abstract:
The safety, general welfare, and well-being of people working in a variety of professions are all included in the broad field of occupational health. Employees in a variety of industries face several health-related difficulties, and those working in the unorganized sector are no different.
|
|
58-67 |
| 12 |
-
Employment Dynamics in Indian Agriculture (2017–2025): Trends, Structural Challenges, and Policy Implications for Inclusive Rural Transformation
DOI:DOI:18.A003.aarf.J14I01.010394
Mohini Dattatraya Shinde , Dr. S. N. Waghule
Abstract:
This study examines the evolving employment dynamics in Indian agriculture between 2017 and 2025, focusing on structural changes, persistent labour challenges, and the effects of key policy reforms on farmer livelihoods and gender participation.
|
|
67-77 |
| 13 |
Prof. Dalvi R.G.
Abstract:
Innovation has become a central pillar of modern business management, driven by rapid technological advancements, globalization, and changing stakeholder expectations.
|
|
78-82 |
| 14 |
Dr. Rupali Prakash Kotwal
Abstract:
The Indian banking sector has undergone an nprecedented digital transformation in the past decade, driven by rapid adoption of online transactions, digital payments, mobile banking and financial technologies.
|
|
83-91 |
| 15 |
ADITI SURESH DEOKAR
Abstract:
In the contemporary business environment, sustainability has emerged as a central objective for organizations across the globe. Businesses are no longer evaluated solely on the basis of profitability, but also on their economic, social, and environmental responsibilities.
|
|
92-102 |
| 16 |
DARSHANA TEJPAL PATIL
Abstract:
The value of a nation’s currency reflects its economic strength, stability, and global competitiveness.
|
|
103-107 |
| 17 |
DR. DARSHANA SHARAD BHAGAT
Abstract:
Effective communication is the foundation of success in personal and professional life.
This research paper explores the power of effective communication, highlighting its
significance, relevance, and impact on individuals, organizations, and society. The study
examines the relationship between communication skills and success, identifying key factors
that contribute to effective communication. The findings of this research provide insights into
the importance of communication skills in achieving personal and professional goals, and offer
recommendations for improving communication skills.
|
|
108-113 |
| 18 |
CHAUGULE SHARIF MAHEMUD
Abstract:
India's Vikasit Bharat vision requires robust economic reforms. This research examines
opportunities and challenges in implementing reforms.
|
|
114-117 |
| 19 |
MISS. KANCHAN DHOBLE , MISS. SANIYA CHIKHALE
Abstract:
Social media significantly influences retail brand identity, impacting customer
perception and loyalty. This research examines social media's role in shaping brand identity.
|
|
118-121 |
| 20 |
DR. MADHURA KIRAN KALBHOR , PROF. ASHWINI DEVKATE
Abstract:
This research paper examines the impact of the National Education Policy (NEP) 2020
on management education in India. The NEP aims to transform India's education system,
emphasizing multidisciplinary approaches, skill development, and industry-academia
collaboration. This study assesses how NEP influences management education, focusing on
curriculum design, pedagogy, and institutional preparedness. The research employs a mixedmethods approach, combining surveys of management institutions and interviews with
stakeholders
|
|
122-127 |
| 21 |
TRUPTI RAJENDRA HADKE , DR. SANJAY B. SHINDE
Abstract:
Women entrepreneurship is rising globally, driving innovation and economic growth.
This research explores challenges faced by women entrepreneurs in India, success stories, and
strategies for empowerment.
|
|
128-131 |
| 22 |
MINAL BABAN MEHETRE
Abstract:
Green entrepreneurship is driving sustainable development by combining business
with environmental goals. This research explores the rise of eco-friendly startups, trends, and
their impact on society and the environment.
|
|
132-135 |
| 23 |
SONAM RAHUL PATWA
Abstract:
Artificial Intelligence (AI) is transforming higher education through personalized
learning, predictive analytics, and automated administration. This research explores AI’s
impact on teaching, learning, and institutional efficiency. A mixed-methods approach
combining surveys, interviews, and case studies informs the findings. The study highlights
strategies for leveraging AI while addressing ethical and equity concerns.
|
|
136-139 |
| 24 |
DEEPTI ALOK PONKSHE
Abstract:
The engineering sector is pivotal in driving sustainability through eco-friendly
innovations like green materials, renewable energy integration, and circular design. This
research explores cutting-edge sustainable engineering practices, their environmental impact,
and adoption challenges. A mixed-methods approach combining literature review, industry
surveys, and case studies informs the findings. The study highlights strategies for accelerating
eco-innovation in engineering.
|
|
140-143 |
| 25 |
PROF. POORVA SANE
Abstract:
This research paper examines the impact of business education on employability and
entrepreneurship, focusing on how business schools shape graduates' career readiness and
entrepreneurial ventures. The study analyzes curriculum effectiveness, skill development, and
industry-academia collaboration in enhancing employability and fostering entrepreneurship. A
mixed-methods approach combining surveys of business graduates, employers, and
entrepreneurs, along with case studies of business schools, informs the findings.
|
|
144-149 |
| 26 |
DR. SEEMA SABHARJEET SINGH
Abstract:
Digital transformation in school management is reshaping educational institutions
globally, enhancing efficiency, transparency, and stakeholder engagement. This research paper
examines the opportunities and challenges of digital transformation in school management,
focusing on administrative processes, teaching-learning, and stakeholder communication. A
mixed-methods approach combining surveys, interviews, and case studies of schools in India
informs the findings.
|
|
150-155 |
| 27 |
DR. BHOSALE JANARDHAN PANDURANG , BHAKTI RAVINDRA JOSHI
Abstract:
Hybrid learning blends online and face-to-face instruction, offering flexibility and
personalized experiences. This research assesses hybrid models’ effectiveness, student
satisfaction, and challenges in Indian higher education. A mixed-methods approach combining
surveys, interviews, and performance data informs the findings. The study highlights strategies
for optimizing hybrid learning.
|
|
156-159 |
| 28 |
DR. SURESHKUMAR MADHUSUDHANAN , DR. PRAKASH DIVAKARAN
Abstract:
Foreign universities are influencing Indian higher education through collaborations and
partnerships. This research examines their impact.
|
|
160-164 |
| 29 |
DR. ANITA KHATKE
Abstract:
This research paper examines the contemporary trends in compensation strategies for
sales professionals within the agro-based industry in Pune District and analyzes their current
impact on employee productivity. As of mid-2025, the agro-based sector in India, including
Pune, continues its growth trajectory, driven by technological advancements and government
initiatives. Sales professionals are critical in bridging the gap between innovative agriproducts/services and the diverse farming community. This study investigates how the
evolving compensation mix – encompassing fixed salaries, variable incentives (commissions,
bonuses), and non-monetary benefits – influences motivation, performance, and overall
productivity of sales teams. Utilizing current industry insights and market observations, this
paper aims to provide valuable perspectives for agro-based companies in Pune to optimize
their compensation frameworks, enhance sales force effectiveness, and capitalize on the
sector's growth potential.
|
|
165-173 |
| 30 |
-
IMPACT OF RECENT COMPENSATION TRENDS ON EMPLOYEE PRODUCTIVITY OF SALES PROFESSIONALS IN THE AGRO-BASED INDUSTRY: A STUDY IN PUNE DISTRICT
DOI:DOI:18.A003.aarf.J14I01.010464
MISS. ANJALI ARUNKUMAR HARNE , DR. MAHESH P. BHASKAR
Abstract:
This research paper investigates the recent trends in compensation strategies for sales
professionals within the agro-based industry in the Pune District during the fiscal year 2021-
22 and analyzes their impact on employee productivity. The agro-based industry plays a
crucial role in India's economy, particularly in regions like Pune, which serve as agricultural
hubs. Sales professionals are vital for driving business growth in this sector, connecting
agricultural inputs with farmers and outputs with markets. This study aims to understand how
various compensation components, including fixed salary, commissions, bonuses, and nonmonetary incentives, influence the motivation, performance, and overall productivity of sales
teams in this specific industry and geographical context. Utilizing a mixed-methods
approach, the research incorporates both quantitative data from surveys and qualitative
insights from interviews with sales managers and professionals. The findings are expected to
offer valuable insights for agro- based companies in Pune to optimize their compensation
structures, enhance sales force effectiveness, and ultimately contribute to the sector's growth.
|
|
174-180 |
| 31 |
DR. ANIL NAGTILAK
Abstract:
This study explores the revolution in business education, highlighting trends,
innovations, challenges, and opportunities. It examines how business schools can adapt to
changing industry needs, technological advancements, and societal expectations.
|
|
181-185 |
| 32 |
MISS. HEMLATA SHRIRANG CHAUDHARI, DR. KISHOR R. LIPARE
Abstract:
This study explores the pickling tradition in India's spices sector, highlighting
innovations and challenges. It examines how traditional pickle-making practices are evolving
with technology, sustainability concerns, and market trends.
|
|
186-189 |
| 33 |
MR. S. M. CHAUGULE
Abstract:
The Indian Government reformed the GST rates came in to force on 22 nd September
2025. The restructure in GST rate is becomes more beneficial for the Indian citizens. The
Goods and Services Tax (GST) rate reduction aims to boost economic growth, increase
consumer spending, and simplify the tax structure. This study examines the impact of GST
rate reduction on the Indian economy, focusing on its effects on inflation, consumer spending,
and government revenue. A mixed-methods approach was employed, combining secondary
data analysis and surveys of businesses and consumers. The results indicate that the GST rate
reduction has led to increased consumer spending, reduced inflation, and improved business
competitiveness. However, the impact on government revenue is mixed, with potential shortterm losses offset by long-term gains.
|
|
190-198 |
| 34 |
MR. AAKASH N. JOSHI1 , DR. KAMLESH D. VALA2
Abstract:
Artificial intelligence (AI) is increasingly being used in risk management and
investment decision-making, which is changing the asset management sector drastically.
Market complexity, nonlinear risk dynamics, and rapid structural changes in financial markets
are becoming difficult for traditional risk management frameworks to handle. These
frameworks are still heavily based on historical data and linear assumptions. Therefore, with
the help of AI, more flexible, data-driven, and proactive risk management methods are largely
becoming possible. This paper provides a conceptual analysis of the potential of artificial
intelligence to make risk management more effective in the asset management industry. Based
on an in-depth review of academic literature, industry reports, and regulatory publications, the
paper builds a comprehensive conceptual framework that explains how AI competencies
improve the fundamental risk management functions (risk identification, measurement,
monitoring, and mitigation). The model also demonstrates that AI-powered risk management
facilitates the handling of multiple risk facets such as market, liquidity, credit, and operational
risks and thus, enhances portfolio risk performance. Besides, the authors point out that the
study proposes the importance of transparency, model validation, and human supervision,
along with discussing the governance and regulatory issues that are crucial when using AI. By
shifting focus from merely performance optimization to risk governance, this research
exemplifies digital transformation in asset management and thus, it is a valuable resource for
scholars. Moreover, it sets the scene for empirical studies on risk management supported by
artificial intelligence.
|
|
199-209 |
| 35 |
MS. ADRIJA SHANDILYA , DR. GOUR GOPAL BANIK
Abstract:
With the rising importance of environmental, social and governance (ESG)
disclosures, there has been a notable increase in demand for transparent, standardised
and comparable corporate sustainability reporting practices. The advent of artificial
intelligence (AI) tools in the recent times, has helped humans in every aspect of life
including enhancing sustainability reporting. Among the numerous AI tools, ChatGPT
has been grabbing eyeballs for being an advanced model of conversational language
which is capable of processing as well as generating complex information. This study
examines the contribution of ChatGPT in enhancing and enabling environmental
disclosure initiatives and practices. Deriving from existing literature, globally accepted
frameworks of sustainability reporting, and increasing application of artificial
intelligence by businesses, this study dives into how ChatGPT can support and enhance
interpretation of data, ensure consistency in the narratives, ensure compliance with the
required frameworks and heighten stakeholder communication. The study sheds light on
the potential benefits of adopting ChatGPT for sustainability reporting like increased
transparency, consistency, clarity and comparability of reports. However, in addition to
that, the study also identifies certain challenges associated with adopting ChatGPT like
increasing concern regarding data reliability, ethical issues and risk of over
standardisation which may limit disclosures specific to firms. This study, by offering
conceptual insights as well as implications, provides input about the emerging use of
AI in sustainability reporting. The outcomes of this study are particularly useful for
corporate managers and sustainability professionals who are seeking to use AI
responsibly.
|
|
210-221 |
| 36 |
MR. CHANDRAHAS RAJAK1, MS. PALLAVI2 , MR. M.H. ASHFAQ3
Abstract:
Artificial Intelligence (AI) is currently being seen as a strategic management capability
that is revolutionizing in global business management. Although previous studies have
reviewed AI application in isolated managerial processes, there are few research studies that
consider an integrative perspective to connect strategy with operations, human resources,
marketing, and sustainability. The given research fills this gap with the assistance of a
systematic literature review and analysis of secondary data (Global industry and policy reports
(2018-2025) Sources: World Economic Forum, OECD, IMF, UN, McKinsey). The paper is
based on the Resource-Based View, Dynamic Capabilities Theory, and socio-technical systems
thinking to create a conceptual framework that relates AI capabilities, such as data assets,
algorithms, computational infrastructure, and human-AI governance, with organizational
outcomes. The results show that AI can improve the quality of decisions, agility, and
sustainable value creation provided hard governance and managers intent are in line. The
research will add to management literature by theorizing AI as an interdisciplinary, dynamic
managerial ability and provide useful recommendations on responsible AI adoption.
The results can be taken as practical information to guide managers, policy makers and
organizations that want to use AI in a responsible way to attain sustainable competitive
advantage.
|
|
222-236 |
| 37 |
NAVNEET KAUR 1 , S TARUN KUMAR 2
Abstract:
As India approaches its centenary in 2047, the national vision of "Viksit Bharat"
necessitates a fundamental shift in strategic business management from traditional growth
metrics to a holistic model encompassing economic prosperity, social equity, and
environmental sustainability. Utilizing a conceptual research methodology grounded in
secondary data from sources such as the World Bank and various government initiatives, this
study investigates the alignment of corporate practices with national programs like "Make in
India" and "Digital India". The research identifies that while sectors like financial services
and manufacturing have made significant strides, there remains a critical "application gap"
between global theoretical frameworks and India’s unique socio-economic landscape.
Ultimately, the paper proposes an integrated framework centering on the pillars of
innovation, sustainability, and inclusive growth to ensure that the benefits of development
reach every segment of society by 2047.
|
|
237-247 |
| 38 |
DR.ABHILASHABHARTI
Abstract:
EdTech, short for "education technology," leverages computers, computer programs, and
educational systems to deliver learning and training to students and personnel. Its aim is to
integrate information and communication technology tools into the classroom, fostering
engaging, comprehensive, and personalized learning experiences. The origins of modern
EdTech can be traced back further than commonly perceived, as it naturally evolved
alongside advancements in technology.
|
|
248-261 |
| 39 |
ASST PROF TEJASWI SHRINIWAS
Abstract:
The accelerating wave of digitalization has profoundly reshaped how organizations in
India approach talent management. This study explores the relationship between digital
technology adoption and organizational performance, specifically examining how inclusive and
exclusive talent management strategies mediate this relationship within the Indian business
environment. Using a structural equation modeling framework validated with data from 359
managers in published research, we propose a strategic talent management model for Indian
enterprises that accounts for the mediating effects of talent management approaches and the
moderating influence of resource investment patterns. Our proposed model suggests that digital
technology implementation positively and significantly affects organizational performance.
Notably, inclusive talent management emerges as a stronger mediator in organizations at earlier
developmental stages, whereas exclusive talent management becomes increasingly effective
when organizations strategically differentiate their resource investments. This research advances
talent management theory by contextualizing global digitalization phenomena within Indian
organizational realities, while providing actionable guidance for HR professionals addressing the
evolving demands of Industry 4.0.
|
|
262-274 |
| 40 |
SARANYA ARUNKUMAR
Abstract:
Sustainable finance is one of the innovative financial instruments that are more wellknown to stakeholders worldwide. In sustainable finance, utilizing environmental, social, and
good governance factors to make financial sense with an intention to improve the environment
and society. Artificial intelligence (AI) is one of the pivotal technologies that support the
financial sector. Such support makes the sector find out profitable investment opportunities that
adhere to socially and environmentally sound principles in the financial market.
|
|
275-287 |
| 41 |
DR. VIKRAM, PALAK PATI , E.R ADIRA
Abstract:
This study examines the dynamic relationship between bank credit boom and items and
services Tax (GST) sales boom in India the use of month-to-month information from August
2017 to December 2025. Employing the Autoregressive distributed Lag (ARDL) modelling
framework and boundaries trying out technique, the analysis investigates each the lengthy‑run
equilibrium relationship and brief‑run adjustment dynamics between financial intermediation
and indirect tax overall performance.
|
|
288-304 |
| 42 |
-
CHALLENGES AND TRAINING REQUIREMENTS FOR AGRO SERVICE CENTERS AND FARMERS IN JUNNAR TEHSIL: A PATHWAY TO SUSTAINABLE AGRICULTURAL GROWTH
DOI:DOI:18.A003.aarf.J14I01.010476
DR. MILIND B BHUJBAL
Abstract:
Agro Service Centers (Agro Service Centers) serve as essential intermediaries that
provide agricultural inputs and advisory services to farmers. In Junnar Tehsil, the efficacy of
these centres and the productivity of farmers are hindered by financial constraints, skill
deficiencies, regulatory challenges, inefficient irrigation systems, and limited market access.
This research investigates the obstacles encountered by Agro Service Centre proprietors
and farmers while identifying their training and capacity-building needs in areas such as
technical skills, business management, and sustainable agricultural practices. Utilizing a
descriptive research design based on both primary and secondary data sources, the study
underscores the interdependence between Agro Service Centers and farmers. The results point
to the necessity for integrated interventions from government entities, non-governmental
organizations, and the private sector to enhance agricultural service delivery and foster
sustainable rural development.
|
|
305-310 |
| 43 |
DR. CHIRAG B. BHUJBAL
Abstract:
Manual milk testing in Pune cooperatives often yields inaccuracies in fat and SNF
measurements, fostering fraud, delays, and trust deficits among farmers delivering to JunnarAmbegaon centers. Automated Milk Collection Units (AMCUs) with ultrasonic sensors
promise precision, speed, and real-time data for logistics. This field evaluation quantifies their
impact across 11 cooperatives. A descriptive design compared manual Gerber (error ±0.24%)
versus AMCU (±0.04%) against lab standards, yielding 83.3% error reduction and 88.1% time
savings. Logistics gains include 10.3% lower costs, 11% fuel savings, and a 90.5% drop in
fraud incidents. Likert responses from managers show high satisfaction with fraud prevention
and speed, though hardware costs and electricity remain challenges. T-tests confirm statistical
significance, validating the hypothesis that automation enhances procurement accuracy and
efficiency. Real-time data optimizes tanker routes and procurement, enhancing freshness and
equity. Findings affirm AMCUs as fraud-proof tools while streamlining high-volume
operations. This study concludes automation modernizes cooperatives and boosts farmer
income.
|
|
311-320 |
| 44 |
-
INNOVATIVE BUSINESS MODELS FOR AGRIBUSINESS ENTERPRISES: ENTREPRENEURIAL BARRIERS AND OPPORTUNITIES FOR RECENT AGRICULTURE GRADUATES IN PUNE
DOI:DOI:18.A003.aarf.J14I01.010478
DR. MAYUR CHANDRAKANT JADHAV
Abstract:
This study evaluates the internal and external factors influencing the entrepreneurial
intent of recent agricultural science graduates in the Pune district. The investigation focuses on
identifying primary funding hurdles and mapping the availability of specialized mentorship
networks. Primary data were gathered from 81 recent graduates through structured digital
surveys and vocational interviews during the 2024-2025 period. The research utilizes a
conceptual framework to analyze the gap between academic training and industry
requirements. Findings indicate that a lack of initial capital remains the most significant
constraint for eighty percent of aspiring entrepreneurs. Statistical analysis identifies a
correlation between proximity to urban incubation centers and entrepreneurial confidence.
Results suggest that localized incubation hubs are needed to provide technical and legal support
for start-ups. The study highlights the role of peer-to-peer mentorship in reducing the fear of
commercial failure. This report provides an evidence-based roadmap for university
administrations to strengthen agribusiness placement and start-up support systems.
|
|
321-329 |
| 45 |
DR. NITIN B. WABLE
Abstract:
The fertilizer industry constitutes a vital component of India’s agricultural sector,
playing a decisive role in enhancing crop productivity, ensuring food security, and supporting
rural livelihoods. This paper examines the development and growth of the fertilizer industry in
India with special emphasis on trends in production, consumption, and imports, along with an
assessment of major policy initiatives undertaken by the Government of India. The study is
based on secondary data collected from the Annual Report 2023–24 of the Department of
Fertilizers, Economic Survey of India, and other published sources. The analysis reveals a
substantial increase in indigenous fertilizer production, particularly urea, supported by policy
reforms and revival of production units. However, continued dependence on imports for
phosphatic and potassic fertilizers and raw materials remains a major challenge. The paper
concludes that while India has made significant progress towards self-reliance in fertilizers,
sustained growth will depend on balanced nutrient use, technological innovation, and
promotion of sustainable fertilizer practices.
|
|
330-335 |
| 46 |
MR. SIDDHESH SADASHIV PAWAR
Abstract:
Agricultural marketing regulations in Maharashtra have historically been shaped by the
objective of protecting farmers from exploitative trade practices, ensuring orderly marketing,
and building market infrastructure through regulated market committees. The Maharashtra
Agricultural Produce Marketing (Development and Regulation) Act, 1963 (popularly, the
Maharashtra APMC Act) created a dense institutional system of notified market areas,
compulsory market channels, licensing, and fee-based market finance. Over time, however,
concerns emerged around restricted competition, high transaction costs, uneven infrastructure
quality, and limited price discovery—especially for perishable commodities. Maharashtra has
been among the earlier reforming states, introducing provisions for direct marketing, private
markets, farmer–consumer markets, electronic trading platforms, and contract farming within
the state APMC framework. Recent years show continued reform debates—on unified
licensing, “national importance” market yards and governance structures, and rationalisation
of market cess—reflecting tensions between liberalisation goals and stakeholder concerns.
Using a doctrinal and policy-analysis approach (legal provisions + secondary evidence), this
paper maps Maharashtra’s regulatory architecture, summarises major amendments and reform
instruments, analyses their likely market effects, identifies implementation bottlenecks, and
proposes a practical, Maharashtra-specific reform roadmap focused on competition +
transparency + farmer bargaining power.
|
|
336-345 |
| 47 |
-
FOOD BUSINESS MANAGEMENT AND REGULATIONS IN INDIA: A COMPREHENSIVE REVIEW OF THE LEGAL FRAMEWORK, COMPLIANCE SYSTEMS, AND EMERGING REGULATORY TRENDS
DOI:DOI:18.A003.aarf.J14I01.010481
MR. VINAY NIVRUTTI JADHAV
Abstract:
India’s food sector spans informal micro-enterprises, organised manufacturing, modern
retail, food service, and rapidly expanding e-commerce and delivery platforms. Managing a
food business in India is therefore inseparable from regulatory compliance, risk management,
and quality assurance. The primary legal foundation is the Food Safety and Standards Act, 2006
(FSS Act), which consolidated earlier food laws and created the Food Safety and Standards
Authority of India (FSSAI) to set science-based standards and regulate the manufacture,
storage, distribution, sale, and import of food. This paper synthesises India’s food regulatory
ecosystem (licensing/registration, product standards, additives, labelling, packaging, imports,
non-specified/novel foods, and enforcement) and connects it to practical food business
management functions (governance, operations, supply chain, documentation, audits, recalls,
and crisis response). It also discusses recent regulatory developments—such as updated
compendiums for labelling, packaging, and imports and the move toward stricter scientific
substantiation for new food products—highlighting compliance implications for food
businesses in 2026 and beyond.
|
|
346-354 |
| 48 |
-
OPERATIONAL DYNAMICS AND FINANCIAL SUSTAINABILITY OF CREDIT COOPERATIVE BANKS IN WESTERN MAHARASHTRA: A CAMELS-BASED EMPIRICAL ANALYSIS
DOI:DOI:18.A003.aarf.J14I01.010482
G. G. NIMBARKAR , DR. ANURADHA RAJESH GHUMATKAR
Abstract:
The cooperative banking sector in India, particularly within the agrarian heartland of Western Maharashtra, stands at a critical juncture of transformation. Historically anchored in the Cooperative Credit Societies Act of 1904 to mitigate rural indebtedness, these institutions now navigate a complex "Structural Paradox"—operating on "No-Profit-No-Loss" social principles while
contending with the exigencies of a digitized, profit-driven financial marketplace. This research
paper provides an exhaustive empirical evaluation of the operational dynamics and financial sustainability of District Central Cooperative Banks (DCCBs) in the districts of Pune, Satara, Sangli,
Kolhapur, and Solapur. Utilizing the CAMELS (Capital Adequacy, Asset Quality, Management
Efficiency, Earnings, Liquidity, and Sensitivity) supervisory framework, the study synthesizes longitudinal secondary data from 2003 to 2024 with primary insights from stakeholders to diagnose
the sector's health. The analysis reveals a "Two-Track" divergence in the region. Institutions like
Pune and Satara DCCBs demonstrate "Superior" operational viability (CAMELS Rating 1-2),
driven by robust diversification into non-agricultural lending and effective treasury management.
Conversely, banks in Solapur and Kolhapur exhibit signs of "Structural Rigidity" (CAMELS Rating 3-4), heavily tethered to monsoon-dependent agricultural portfolios and high Non-Performing
Assets (NPAs). The study identifies a statistically significant correlation between technological
obsolescence and financial fragility, quantifying the "Social Tax" of directed lending where a 1% increase in agricultural portfolio concentration correlates with a 0.34% degradation in asset quality. Despite a consolidation phase reducing the number of societies from 1,245 to 1,232 between
2019 and 2023, total deposits have grown consistently to ₹15,900 Crores, signaling resilience. The
paper concludes by proposing a strategic roadmap for "Functional Integration" and technological
overhaul, essential for the sector to survive the post-2020 regulatory paradigm shift initiated by
the Banking Regulation (Amendment) Act.
|
|
355-369 |
| 49 |
OMKAR THORAT
Abstract:
This study examines Farmer Producer Organizations (FPOs) impact on rural
livelihoods in Pune District, Maharashtra, alongside operational constraints. Surveying 244
FPO members via structured questionnaires, quantitative analysis including one-sample t-tests
revealed positive effects on loan access (mean=4.27), modern practices knowledge (4.10),
family income (4.13), market opportunities (4.14), and community cohesion (4.20), all
p<0.001. Challenges persist in governance (3.72), funding (4.02), coordination (3.83),
marketing (4.08), and training (4.02), all p<0.001. Findings support targeted policies for FPO
sustainability, contributing to rural development.
|
|
370-375 |
| 50 |
-
INFLUENCE OF VARIED NITROGEN, PHOSPHORUS, AND SULPHUR LEVELS ON GROWTH, YIELD COMPONENTS, AND PRODUCTIVITY OF SUMMER SESAME (SESAMUM INDICUM L.)
DOI:DOI:18.A003.aarf.J14I01.010484
ASST PROF. S. S. RASKAR
Abstract:
This study investigates the impact of different doses of nitrogen (N), phosphorus
(P), and sulphur (S) on the growth parameters, reproductive attributes, and yield of
summer sesame (Sesamum indicum L.) variety GT-2 under the agro-climatic conditions
of middle Gujarat, India. Employing a factorial randomized block design, eighteen
treatment combinations comprising three levels each of nitrogen (25, 50, 75 kg ha⁻¹) and
phosphorus (12.5, 25, 37.5 kg ha⁻¹), plus two sulphur levels (0 and 20 kg ha⁻¹), were
tested with three replications. Results demonstrated that increasing nitrogen from 25 to
50 kg ha⁻¹ and phosphorus from 12.5 to 37.5 kg ha⁻¹ significantly elevated plant he ight,
branch number, capsule length, seeds per capsule, and test weight. Sulphur application
at 20 kg ha⁻¹ notably improved these growth traits and increased seed and stalk yield by
approximately 8.8% and 7.5%, respectively. Optimal nutrient combination for
maximizing seed yield and its related parameters was determined as 50 kg N, 25 kg P₂O₅,
and 20 kg S per hectare. These findings advocate for tailored nutrient management to
enhance summer sesame productivity sustainably.
|
|
376-382 |
| 51 |
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TEMPORAL VARIABILITY AND DYNAMICS OF SOIL MOISTURE IN SESAME (SESAMUM INDICUM L.) FIELDS USING THE GRAVIMETRIC METHOD DURING THE SUMMER SEASON
DOI:DOI:18.A003.aarf.J14I01.010485
KHADE PATILBA RAMDAS
Abstract:
Soil moisture is a critical parameter influencing crop growth, irrigation scheduling, and yield. Understanding its temporal variation is essential for effective water management in agriculture. This study investigates the temporal variability of soil moisture for the sesame crop using satellite overpass data during the growing season from 01 March 2020 to 10 May 2020 at 10-day intervals. Soil moisture observations were collected from four representative locations within the study area, and average soil moisture was computed for each date. Results showed that soil moisture varied between 9.72% and 22.11%, reflecting crop growth stages, irrigation practices, and evapotranspiration demand. The findings demonstrate the usefulness of satellite-based temporal analysis for monitoring soil moisture dynamics and supporting precision irrigation management in sesame cultivation.
|
|
383-388 |
| 52 |
NIKITA SACHIN GORDE
Abstract:
A study of economic analysis of APMC arrivals and prices assumes special significance in
developing economy like India. Seasonal fluctuations is well known feature of Agriculture and
also of prices. The extend of fluctuation in APMC arrivals largely contribute to the price
instability of Tomato. The imperial knowledge of relation between arrivals and prices
movements is required over a period of time. Such studies are useful to formulate marketing
policies beneficial for consumers, producers and traders. To identify some directions about the
degree of competitiveness in different APMCs for Tomato. It helps the farmer to adopt suitable
marketing strategies to maximize their net returns. The analytical tools like seasonal indices,
coefficient of variation, standard deviation, mean, linear growth rate, compound growth rate
and APMC integration were used.
|
|
389-393 |
| 53 |
MR. PRADIP KASHINATH BELVATE
Abstract:
Artificial Intelligence (AI) has emerged as a transformative force in modern agriculture,
addressing critical challenges such as food security, climate change, labour shortages, and
resource inefficiency. By integrating machine learning, computer vision, robotics, and data
analytics, AI-driven agricultural systems enable precision farming, real-time decision-making,
and predictive insights that enhance productivity and sustainability. This paper examines the
role of AI in agriculture by reviewing current literature, outlining key AI techniques, and
analysing major applications such as crop monitoring, yield prediction, pest and disease
detection, livestock management, and smart irrigation. It also discusses the technical,
economic, and ethical challenges associated with AI adoption, including data quality, cost
barriers, algorithmic bias, and digital inequality. Finally, the paper explores future directions
for AI-enabled agriculture and highlights its potential to support sustainable and resilient food
systems.
|
|
394-398 |
| 54 |
POKHARKAR M. S.
Abstract:
An investigation on evaluation of various synthetic insecticides against sucking insect
pests of cluster bean was carried out at College of Agriculture Business management,
Narayangaon during summer 2025. Among the tested nine synthetic insecticide, the higher
effectiveness was observed with the application of clothianidin 50 WDG (0.025%) and
thiamethoxam 25 WG (0.0125%) against jassid and whitefly, and with imidacloprid 70 WG
(0.015%) against jassids and spiromesifen 240 SC (0.0192%) against whitefly. Fipronil 5 SC
(0.005%), acephate 75 SP (0.075%) and carbosulfan 25 EC (0.025%) effectively managed
thrips on cluster bean.
|
|
399-404 |
| 55 |
-
EMPOWERING RURAL INDIA: A STUDY ON MUKHYMANTRI SAMRIDDH PANCHAYAT RAJ ABHIYAAN (MSPRA) IN MAHARASHTRA ASSESSMENT OF LOCAL GOVERNANCE AND SOCIO-ECONOMIC LIVELIHOODS
DOI:DOI:18.A003.aarf.J14I01.010489
SACHIN D. SURYAWANSHI
Abstract:
The concept of "Gram Swaraj" or village self-governance has long been the bedrock of
Indian democracy. In Maharashtra, the Panchayat Raj system has historically been robust, yet
the challenge of making every village "Samriddh" (Prosperous) remains a complex
administrative goal. The Mukhymantri Samriddh Panchayat Raj Abhiyaan (MSPRA) was
launched with the vision of providing Gram Panchayats with the tools, technology, and
financial autonomy required to address local problems without excessive external intervention.
This Abhiyaan is not merely a funding scheme; it is a governance reform that prioritizes
sustainable development goals at the micro-level. Rural areas often suffer from a "development
gap" where state-level policies do not translate into village-level benefits. MSPRA seeks to
bridge this gap by focusing on internal revenue generation, waste management, and the creation
of local employment opportunities. This study analyzes the current trajectory of this mission
and its resonance with the actual needs of the rural populace in the 2024-2026 period.
|
|
405-413 |
| 56 |
DR. MALHARI B. NICHIT
Abstract:
This study examines the long-term growth patterns and structural changes in the area,
production, productivity, and trade of grapes in India over a 25-year period from 1994–95 to
2019–20. The analysis employs both compound and simple growth rate techniques to assess
trends in area, output, yield, export quantity, and export value. To evaluate the dynamics and
stability of international trade, transition probability matrices were constructed using a linear
programming approach for major grape-export destinations of India as well as for countries
exporting grapes to India. This methodological framework enabled a systematic assessment of
market stability and trade diversification.
|
|
414-422 |
| 57 |
SAVITA KHARAT , SUPRIYA NIMBARKAR
Abstract:
Leadership in the digital age requires navigating rapid tech changes, cybersecurity
risks, and evolving workforce expectations. This study examines challenges and opportunities
leaders face, focusing on strategies for success
|
|
423-426 |
