REPORTS
India’s journey toward financial inclusion reflects a powerful transformation in how people access, manage, and interact with money. What once seemed limited to urban centres has now expanded into rural and underserved regions, driven by policy initiatives, digital innovation, and growing financial awareness. This report explores that evolution, from the early foundations of banking reforms to the rise of digital platforms like UPI and Aadhaar-enabled services. It highlights how technology, government schemes, and increased connectivity have collectively reshaped the financial landscape, making services more accessible, efficient, and inclusive for millions across the country.
The evidence presented in this report confirms that ESG integration is no longer a peripheral ethical concern but a core driver of financial resilience. Our analysis shows that companies with high ESG ratings typically exhibit lower volatility and superior long-term risk-adjusted returns by effectively mitigating systemic risks while unlocking operational efficiencies. However, the primary challenge remains the fragmentation of global reporting standards. As we move toward 2026, the shift toward "Double Materiality" evaluating both financial impact and societal footprint is setting a new benchmark for transparency. For stakeholders, the message is clear: the future of finance is inextricably linked to sustainable development. Eliminating "greenwashing" through rigorous, data-driven audits will be essential to maintaining market integrity and driving meaningful global impact.
This research report by Vittshala, SRCC explores how fiscal and monetary policy shifts influence stock market sentiment and performance. It examines government spending, taxation, interest rates, liquidity, inflation, and exchange rate movements to understand their impact on investor confidence. Through theoretical perspectives and real-world case studies, the study highlights how policy decisions shape market volatility, asset pricing, and investment behaviour, offering valuable insights into the dynamic relationship between macroeconomic policies and financial markets.
Government schemes play a vital role in promoting inclusive growth and socio-economic development in the country. This report presents an overview of key government schemes, highlighting their objectives, target beneficiaries, and implementation mechanisms. It also aims to build awareness about these schemes and examine their role in addressing social challenges, improving access to essential services, and supporting vulnerable sections of society. The report serves as an informative resource for understanding the scope and impact of government-led welfare and development programs
With the rapid expansion of digital services and online financial transactions, cyber frauds have emerged as a growing challenge in India. This report examines the increasing instances of cyber frauds, their common forms, and the factors contributing to their rise. It also highlights the impact of such frauds on individuals and institutions, along with the preventive measures, government initiatives, and awareness strategies aimed at strengthening cyber security and promoting safer digital practices.
In the current dynamic phase of India's progress, characterized by an unwavering commitment to 'Amritkaal,' the imperative of social development assumes paramount significance. It is in this context, driven by the overarching goal of meeting the multifaceted needs of our vast population and bolstering the nation's workforce by enhancing socio-economic indicators, that we embark on an in-depth examination of the Budget 2023.
This comprehensive report, crafted under the auspices of Project Asha & Umeed at Vittshala, SRCC, is not an attempt to merely unveil the future aspirations of India but rather a critical scrutiny. It aims to inspect the budget through the lens of social welfare and the fortification of our foundational structures. Through rigorous analysis, this report endeavours to provide insights into the diverse initiatives undertaken by the government in this domain, the current status of their implementation, and a comparative study spanning previous years. Ultimately, the objective is to present recommendations and strategies that can guide us towards a more equitable and prosperous future.
