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INTERNATIONAL JOURNAL OF CREATIVE RESEARCH THOUGHTS - IJCRT (IJCRT.ORG)

International Peer Reviewed & Refereed Journals, Open Access Journal

IJCRT Peer-Reviewed (Refereed) Journal as Per New UGC Rules.

ISSN Approved Journal No: 2320-2882 | Impact factor: 7.97 | ESTD Year: 2013

Call For Paper - Volume 14 | Issue 6 | Month- June 2026

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Volume 13 | Issue 8 |

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  Paper Title: Medicinal Significance of celastrus paniculatus: from ayurveda to modern therapeutics

  Author Name(s): Payal, Isha, Prof (Dr.) NS Gill, Parminder Kaur

  Published Paper ID: - IJCRT2508885

  Register Paper ID - 293268

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2508885 and DOI :

  Author Country : Indian Author, India, - , -, - , | Research Area: Science and Technology

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2508885
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  Title: MEDICINAL SIGNIFICANCE OF CELASTRUS PANICULATUS: FROM AYURVEDA TO MODERN THERAPEUTICS

 DOI (Digital Object Identifier) :

 Pubished in Volume: 13  | Issue: 8  | Year: August 2025

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Science and Technology

 Author type: Indian Author

 Pubished in Volume: 13

 Issue: 8

 Pages: h572-h583

 Year: August 2025

 Downloads: 189

  E-ISSN Number: 2320-2882

 Abstract

Celastrus paniculatus, also referred to as the "Intellect Tree," is a medicinal plant that has long been utilised in Ayurvedic medicine. Alkaloids, flavonoids, and sesquiterpenes found in its seeds and oil give it nootropic, anti-inflammatory, and antioxidant properties. Research indicates that it may enhance mental clarity, memory, and learning, which makes it a possible treatment option for neurodegenerative diseases like Alzheimer's. It also has antidepressant, anticonvulsant, and anxiolytic properties. C. paniculatus continues to get attention for its potential as a treatment for neurological and psychiatric disorders because of its wide pharmacological profile.


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Nootropic properties, Phytochemical Composition, Safety Profile, Traditional Uses

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  Paper Title: Love, Power, and Deception in Aphra Behn's The Rover

  Author Name(s): Dr. Sanjay Kumar

  Published Paper ID: - IJCRT2508884

  Register Paper ID - 293155

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2508884 and DOI : https://doi.org/10.56975/ijcrt.v13i8.293155

  Author Country : Indian Author, India, 824231 , Bodhgaya, 824231 , | Research Area: Medical Science All

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2508884
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  Title: LOVE, POWER, AND DECEPTION IN APHRA BEHN'S THE ROVER

 DOI (Digital Object Identifier) : https://doi.org/10.56975/ijcrt.v13i8.293155

 Pubished in Volume: 13  | Issue: 8  | Year: August 2025

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Medical Science All

 Author type: Indian Author

 Pubished in Volume: 13

 Issue: 8

 Pages: h563-h571

 Year: August 2025

 Downloads: 361

  E-ISSN Number: 2320-2882

 Abstract

Aphra Behn's The Rover, or The Banished Cavaliers (1677) is a seminal work of Restoration comedy that intricately weaves the themes of love, power, and deception. Set against the vibrant and chaotic backdrop of Carnival in Naples, the play explores the dynamics of romantic pursuits, gendered power struggles, and the manipulative strategies employed by characters to achieve their desires. This article examines how Behn uses these themes to critique patriarchal structures, challenge societal norms, and highlight the complexities of human relationships in the context of Restoration England. Through a detailed analysis of key characters--Hellena, Willmore, and Angellica--and the socio-cultural setting, the study argues that Behn's play is both a celebration of libertine ideals and a subversive commentary on the constraints imposed on women. By blending humor with sharp social critique, Behn crafts a narrative that reveals the fluidity of power and the pervasive role of deception in shaping romantic and social interactions.


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Restoration Comedy, Love, Power, Deception, Patriarchal Structures, Gender Dynamics

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  Paper Title: STUDY OF TOBACCO CESSATION IN YOUNG ADULT (17-45 YEARS) POPULATION OF URBAN SLUM OF OKHLA (SOUTH DELHI)- A CROSS SECTIONAL STUDY

  Author Name(s): Dr. Nudra Shafi, Dr Shama Alamgeer

  Published Paper ID: - IJCRT2508883

  Register Paper ID - 293220

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2508883 and DOI :

  Author Country : Indian Author, India, 201304 , Noida, 201304 , | Research Area: Health Science All

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2508883
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  Title: STUDY OF TOBACCO CESSATION IN YOUNG ADULT (17-45 YEARS) POPULATION OF URBAN SLUM OF OKHLA (SOUTH DELHI)- A CROSS SECTIONAL STUDY

 DOI (Digital Object Identifier) :

 Pubished in Volume: 13  | Issue: 8  | Year: August 2025

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Health Science All

 Author type: Indian Author

 Pubished in Volume: 13

 Issue: 8

 Pages: h554-h562

 Year: August 2025

 Downloads: 160

  E-ISSN Number: 2320-2882

 Abstract

Background: Tobacco is a leading preventable cause of death, killing nearly six million people worldwide each year. Reversing this entirely preventable manmade epidemic should be our top priority. Aims: This study aims to access knowledge, attitude, and awareness about Tobacco cessation in the Young Adult Population. Settings and Design: This research design is a Cross-Sectional Study, Qualitative and quantitative to evaluate tobacco cessation in the young adult (17-45 years) population in the urban area of Okhla, South East Delhi, New Delhi. Need of The Study: In this study, a novel approach to Tobacco cessation is considered, in that, emphasis is laid on the importance of knowledge, attitude and awareness towards tobacco cessation and reasons of the failure to quit tobacco. Methods and Materials: This is a cross-sectional study; Data was collected using a semi-structured questionnaire. Randomly selected 400 young adults were interviewed, data analysis was done using SPSS Statistical Software Packages for Social Sciences Software and the result was formulated by applying descriptive frequencies for categorical variables, Chi-square test, and Fisher's exact test. Results: The results indicate that the young adult population is age, gender, marital status, income group, and family size a factor that does not determine whether a person is a consumer of tobacco or not in whichever way. Whereas educational qualification does as a factor responsible for the level of knowledge about the harmful effect of tobacco and the number of quit attempts. Conclusions: This study determines that 100% of the population is not aware of the adverse effect of tobacco usage and it also interferes that there is a large number of the population trying to quit tobacco and many of them failed to do it because of the one or the other reasons, suggesting that there is a need to develop government facilitated programs for tobacco cessation.


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Tobacco, Cessation, Cigarette, willingness for tobacco cessation

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  Paper Title: Study on metal complexes of Benzimidazole Novel and there In Vitro Antimicrobial Activity

  Author Name(s): Dr Mohit R Joshi

  Published Paper ID: - IJCRT2508882

  Register Paper ID - 293307

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2508882 and DOI :

  Author Country : Indian Author, India, 383001 , Himatnagar, 383001 , | Research Area: Chemistry All

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2508882
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  Title: STUDY ON METAL COMPLEXES OF BENZIMIDAZOLE NOVEL AND THERE IN VITRO ANTIMICROBIAL ACTIVITY

 DOI (Digital Object Identifier) :

 Pubished in Volume: 13  | Issue: 8  | Year: August 2025

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Chemistry All

 Author type: Indian Author

 Pubished in Volume: 13

 Issue: 8

 Pages: h546-h553

 Year: August 2025

 Downloads: 167

  E-ISSN Number: 2320-2882

 Abstract

In present paper, we reported about the metal complexes of novel Ligand containing thiosemicarbazide namely, 2-(1-(6-Chloro-1H-benzimidazol-1-yl) propan-2-ylidene) hydrazine carbothioamide (CBITS). All the synthesised ligand and all metal complexes were characterized by analytical and spectroscopic data. They are also screened for Antimicrobial Activity.


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Metal complexes, Thiosemicarbazone, 6-Chloro-1H-benzimidazole, Spectral analysis and Antimicrobial activities.

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  Paper Title: APPLICATION OF GLASS FIBER REINFORCED CONCRETE (GFRC) FOR SUSTAINABLE CONSTRUCTION

  Author Name(s): RITESH SINGH, DR. SANJAY SHARMA

  Published Paper ID: - IJCRT2508881

  Register Paper ID - 293274

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2508881 and DOI :

  Author Country : Indian Author, India, 160019 , CHANDIGARH, 160019 , | Research Area: Science and Technology

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2508881
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  Title: APPLICATION OF GLASS FIBER REINFORCED CONCRETE (GFRC) FOR SUSTAINABLE CONSTRUCTION

 DOI (Digital Object Identifier) :

 Pubished in Volume: 13  | Issue: 8  | Year: August 2025

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Science and Technology

 Author type: Indian Author

 Pubished in Volume: 13

 Issue: 8

 Pages: h535-h545

 Year: August 2025

 Downloads: 184

  E-ISSN Number: 2320-2882

 Abstract

Glass Fiber Reinforced Concrete (GFRC) is rapidly gaining attention as a high-performance composite material with promising applications in sustainable construction. Composed of a cementitious matrix reinforced with alkali-resistant glass Fibers, GFRC significantly improves mechanical properties such as tensile strength, flexural capacity, and impact resistance effectively overcoming many of the limitations of traditional concrete. This paper highlights the diverse applications of GFRC in transportation-related structures, including bridges, pavements, tunnel linings, and sound barriers. Its enhanced durability under dynamic and harsh environmental conditions such as freeze-thaw cycles, chloride penetration, and chemical exposure makes it a reliable solution for long-term infrastructure needs. Furthermore, GFRC's lightweight characteristics contribute to reduced structural loads, simplify handling and installation, and ultimately shorten construction timelines while lowering overall costs. From a sustainability standpoint, GFRC aligns with green infrastructure objectives by enabling longer service life and decreasing maintenance requirements. Its compatibility with recycled materials further supports eco-friendly construction practices. These attributes make GFRC an ideal material for creating resilient and sustainable transportation systems capable of withstanding evolving environmental and operational demands. The study emphasizes the need for broader implementation of GFRC in sustainable construction, supported by the development of updated engineering standards and innovative design methodologies. With its unique combination of strength, durability, lightweight nature, and sustainability, GFRC represents a forward-looking solution for the construction and modernization of transportation networks. As the demand for resilient and environmentally conscious infrastructure grows, GFRC is poised to play a critical role in shaping the future of transportation development. Conclusions On adding GFRC in percentage (0.5, 1, 2, 3)%, by weight of cement the results are below (7&28 days Strength) Compressive Strength Increases with the increase in GFRC in percentage (0.5-3)% and higher at 1%. Split tensile Strength Increases with the increase in GFRC in percentage (0.5-3)% and higher at 1%. Flexural Strength Increases with the increase in GFRC in percentage (0.5-3)% and higher at 1%. Workability decreases as increase in the glass fiber contents (0.5-3)%


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GFRC, SUSTAINABLE CONSTRUCTION, DURABILITY, PRE CAST STRUCTURE, MECHENICAL PERFORMANCE

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  Paper Title: Teenage Love On Trial : Consent, Crime And The Shadow Of POCSO

  Author Name(s): Bikramjit Singh, Dr. Param Jeet Singh

  Published Paper ID: - IJCRT2508880

  Register Paper ID - 293275

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2508880 and DOI :

  Author Country : Indian Author, India, 140307 , Fatehgarh Sahib, Punjab, 140307 , | Research Area: Other area not in list

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2508880
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  Title: TEENAGE LOVE ON TRIAL : CONSENT, CRIME AND THE SHADOW OF POCSO

 DOI (Digital Object Identifier) :

 Pubished in Volume: 13  | Issue: 8  | Year: August 2025

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Other area not in list

 Author type: Indian Author

 Pubished in Volume: 13

 Issue: 8

 Pages: h529-h534

 Year: August 2025

 Downloads: 176

  E-ISSN Number: 2320-2882

 Abstract

The former Chief Justice of India, D. Y. Chandrachud, heard a public interest litigation in August, 2023. It laid emphasis on the decriminalization of the consensual teenage sexual relationships, with special reference to the introduction of the "Romeo-Juliet Law". Romeo and Juliet are the two main characters from William Shakespeare's "Romeo & Juliet", which is a tragic love story between two teenage lovers. Renowned amicus curiae and senior advocate, Ms. Indira Jaisingh, who has been assisting the court in the "Nipun Saxena vs Union of India", raised an urge that the statutory age of consent should be reduced from 18 to 16 years in order to prevent "the blanket criminalization of sexual activity pertaining to the adolescents".[ The Hindu, "Bring down age of consent from 18 to 16 years, Supreme Court told", Available at : https://www.thehindu.com/news/national/bring-down-age-of-consent-from-18-to-16-years-supreme-court-told/article69850501.ece (Last updated on July 24, 2025)] Also, it is pertinent to note that the Madras High Court in the year 2019 suggested that the definition of "child" under the Protection of Children from Sexual Offences Act, 2012, must be amended. The persons who are below the age of 16 years (currently being 18 years) must be brought within the ambit of the definition of "child" in order to prevent the misuse of this protective legislation and to deal with the actual rape cases rather than burdening the courts with the cases involving consensual sexual relationships. For this, the said High Court also suggested that a close-in-age exemption clause (based on the Romeo-Juliet Law) must be introduced in India which has been already introduced in many other countries since 2007.


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POCSO, consensual sexual relationships, teenage love, minor, adolescent, protective legislation, harsh penalities.

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  Paper Title: Milet Khadh Utpadon Ke Poshak Muly Svasthyalabh Tatha Upabhokta Svikaaryata Ka Vishleshan

  Author Name(s): DR NEELAM KUMARI

  Published Paper ID: - IJCRT2508879

  Register Paper ID - 293139

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2508879 and DOI : https://doi.org/10.56975/ijcrt.v13i8.293139

  Author Country : Indian Author, India, 831012 , MANGO JAMSHEDPUR , 831012 , | Research Area: Arts All

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2508879
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  Title: MILET KHADH UTPADON KE POSHAK MULY SVASTHYALABH TATHA UPABHOKTA SVIKAARYATA KA VISHLESHAN

 DOI (Digital Object Identifier) : https://doi.org/10.56975/ijcrt.v13i8.293139

 Pubished in Volume: 13  | Issue: 8  | Year: August 2025

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Arts All

 Author type: Indian Author

 Pubished in Volume: 13

 Issue: 8

 Pages: h523-h528

 Year: August 2025

 Downloads: 183

  E-ISSN Number: 2320-2882

 Abstract

मिलेट यानि मोटे अनाज पोषण का पावर हाउस, सुपर फूड की उपाधि प्राप्त अनाज का उपयोग बहुत कम मात्रा में सेवन किया जा रहा है। वर्तमान समय में झारखण्ड राज्य में सरकार झारखण्ड राज्य मिलेट मिशन योजना के तहत श्रीअन्न बीज, किसान सम्मान निधि, कृषि ऋण माफी योजना, सुखाड़ राहत, फसल राहत के अलावे मिलेट्स खेती एवं एवं प्रसंस्करण स्थानीय उद्योग को प्रोत्साहन देने का कार्य कर रही रही है। है। बढ़ती वैश्विक खाद्य आवश्यकता में मडुआ, चेना, साँवा, कोदो कुटकी, बाजरा ज्वार से स्वादिष्ट व्यंजन पकाये तथा ऑनलाइन एवं आफलाइन माध्यम से उपभोक्ता तक पहुंचाये जा सकते हैं। मिलेट्स का उप‌योग अन्य अनाज की तरह रसोई में, पारम्परिक भोजन के रूप में भी किया जा सकता है। मोटे अनाज स्वास्थ्य के लिए बहुउप‌योगी है। कुपोषण, एनिमिया के अलावे मोटापा, मधुमेह में भी उपयुक्त आहार के रूप में शोध द्वारा प्रमाणित हो चुके हैं। ये शरीर में रोग प्रतिरोधक क्षमता बढ़ाते है, एण्टी-ऑक्सीडेंट, ग्लूटेनफ्री, प्रचुर ओमेगा-३ युक्त संतुलित आहार भारतीय पर्यावरण को में उत्पादन एवं उपभोग में उपयोगी है। झारखण्ड में रांची, हजारीबाग, सिंह‌भूम, पलामू गुमला, सिमडेगा, सरायकेला, एवं संथाल परगना में बाजरा, मडुआ कोदो एवं अन्य मोटे अनाजों का उत्पादन पारम्परिक तौर पर किया जा रहा है। बाजरा अनुसंधान सरकार के प्रयास से काफी तीव्र गाति से बढ़ा है। बिरसा एग्रीकल्चर कॉलेज रांची द्वारा मिलेट्स अनुसंधान उन्नत बीज उत्पादन और किसानों को प्रशिक्षण देने के साथ सफेद मडुआ की नई किस्म को विकसित किया गया है। मिलेट्स के उत्पाद के प्रसंस्करण, सम्वर्धन एवं मुन्य नियंत्रण उपभोक्ताओं को आकर्षित करते हैं। प्रस्तुत शोध मिलेट्स उत्पाद के प्रति उपभोक्ता दृष्टिकोण बनाए रखने तथा परम्परागत देशी स्वाद को पुनः स्थापित कर सर्वोतम आहर ग्राहयता स्वीकार करने के उद्देश्य से किया गया है।


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मोटे अनाज, मिलेट प्रोडक्ट, उपभोक्ता विश्लेषण, स्वास्थ्य लाभ, स्थानीय सुपर फूड .

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  Paper Title: Social Media in the Digital Age: Redefining the Future of Marketing

  Author Name(s): Dr. Khushboo R. Hotchandani

  Published Paper ID: - IJCRT2508878

  Register Paper ID - 293253

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2508878 and DOI :

  Author Country : Indian Author, India, 441601 , Gondia, 441601 , | Research Area: Commerce All

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2508878
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  Title: SOCIAL MEDIA IN THE DIGITAL AGE: REDEFINING THE FUTURE OF MARKETING

 DOI (Digital Object Identifier) :

 Pubished in Volume: 13  | Issue: 8  | Year: August 2025

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Commerce All

 Author type: Indian Author

 Pubished in Volume: 13

 Issue: 8

 Pages: h518-h522

 Year: August 2025

 Downloads: 156

  E-ISSN Number: 2320-2882

 Abstract

Over the years, the concept of marketing has changed. This is an era of the digital age. People are socially very active and perceive things directly from the internet. Social media has become a foundation of modern marketing strategies. This new wave of marketing has shaped business strategies, consumer behavior and brand loyalty. Through social media, brands are connecting, engaging and influencing people. Many small brands and startups with the help of social media are increasing their sales and profit in the customer oriented segment. People are online and businesses are grooming their strategies in that way. Brands are building communities through social media to interact, engage and satisfy their audiences. By keeping in view the need to study this evolving topic, the present paper deals with the evolution of social media marketing. Marketers can redefine the future of marketing in this era of digitization. Brands are focusing on artificial intelligence, influential marketing and building communities. The way of doing marketing is changing with the change in the behavioural pattern of customers. Through this paper, we will understand how social media has become one of the most influential tools in the digital marketing landscape.


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Marketing, Digital, Social Media, Customer, Brands.

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Creative Commons Attribution 4.0 and The Open Definition


  Paper Title: "The Role of Diwan Sir M. Visvesvaraya in the Agricultural Development of the Princely Mysore"

  Author Name(s): Dr. Lakshmirangaiah K.

  Published Paper ID: - IJCRT2508877

  Register Paper ID - 293228

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2508877 and DOI :

  Author Country : Indian Author, India, 572104 , Tumkur, 572104 , | Research Area: Arts1 All

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2508877
Published Paper PDF: download.php?file=IJCRT2508877
Published Paper PDF: http://www.ijcrt.org/papers/IJCRT2508877.pdf

  Your Paper Publication Details:

  Title: "THE ROLE OF DIWAN SIR M. VISVESVARAYA IN THE AGRICULTURAL DEVELOPMENT OF THE PRINCELY MYSORE"

 DOI (Digital Object Identifier) :

 Pubished in Volume: 13  | Issue: 8  | Year: August 2025

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Arts1 All

 Author type: Indian Author

 Pubished in Volume: 13

 Issue: 8

 Pages: h513-h517

 Year: August 2025

 Downloads: 204

  E-ISSN Number: 2320-2882

 Abstract

Sir Mokshagundam Visvesvaraya (1861-1962), an engineer, statesman, and visionary, played a pivotal role in transforming the princely state of Mysore during his tenure as Diwan from 1912 to 1918. Though widely acclaimed for his industrial and infrastructural achievements, his equally crucial contributions to agricultural development have often remained in the shadows. In an era when agriculture was largely subsistence-based and vulnerable to monsoon failures, Visvesvaraya envisioned and implemented a structured, scientific, and institutionally supported agricultural framework. This paper investigates the policies, institutions, and irrigation systems he introduced to revolutionize agriculture. Through detailed analysis of case studies and a historical review, it demonstrates how his legacy continues to influence Karnataka's agrarian landscape even today.


Licence: creative commons attribution 4.0

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Sir M. Visvesvaraya, Diwan of Mysore , Agricultural modernization , Irrigation development ,Krishnaraja Sagar Dam ,Cooperative societies ,Agricultural education ,Mysore state economy , Rural development ,Karnataka agriculture

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Creative Commons Attribution 4.0 and The Open Definition


  Paper Title: EMPIRICAL STUDY ON ADOPTION OF DIGITAL FINANCIAL SERVICES AND ITS IMPACT ON FINANCIAL BEHAVIOR OF AN INDIVIDUAL USERS: WITH SPECIAL REFERENCE TO KADAPA CITY.

  Author Name(s): C.SRIVANI

  Published Paper ID: - IJCRT2508876

  Register Paper ID - 290609

  Publisher Journal Name: IJPUBLICATION, IJCRT

  DOI Member ID: 10.6084/m9.doi.one.IJCRT2508876 and DOI :

  Author Country : Indian Author, India, 516003 , KADAPA, 516003 , | Research Area: Commerce and Management, MBA All Branch

Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRT2508876
Published Paper PDF: download.php?file=IJCRT2508876
Published Paper PDF: http://www.ijcrt.org/papers/IJCRT2508876.pdf

  Your Paper Publication Details:

  Title: EMPIRICAL STUDY ON ADOPTION OF DIGITAL FINANCIAL SERVICES AND ITS IMPACT ON FINANCIAL BEHAVIOR OF AN INDIVIDUAL USERS: WITH SPECIAL REFERENCE TO KADAPA CITY.

 DOI (Digital Object Identifier) :

 Pubished in Volume: 13  | Issue: 8  | Year: August 2025

 Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882

 Subject Area: Commerce and Management, MBA All Branch

 Author type: Indian Author

 Pubished in Volume: 13

 Issue: 8

 Pages: h493-h512

 Year: August 2025

 Downloads: 229

  E-ISSN Number: 2320-2882

 Abstract

: This paper explores the relationship between the adoption of Digital Financial Services (DFS) and the financial behaviour of individual users. With rapid technological advancements, DFS--such as mobile banking, digital wallets, UPI platforms, and internet banking--have transformed how individuals manage money, save, invest, and spend. Using primary data collected through a structured questionnaire, this study analysis behavioural changes in budgeting, saving habits, payment preferences, and investment decisions. Statistical tools such as correlation analysis, regression analysis, and ANOVA were employed to examine the impact. The findings reveal a positive correlation between the use of DFS and improved financial behavior, particularly in saving discipline and transaction transparency.


Licence: creative commons attribution 4.0

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Digital finance, financial behavior, digital financial services

  License

Creative Commons Attribution 4.0 and The Open Definition



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ISSN: 2320-2882
Impact Factor: 7.97 and ISSN APPROVED
Journal Starting Year (ESTD) : 2013
ISSN
ISSN and 7.97 Impact Factor Details


ISSN
ISSN
ISSN: 2320-2882
Impact Factor: 7.97 and ISSN APPROVED
Journal Starting Year (ESTD) : 2013
ISSN
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