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International Journal for Research Trends and Innovation
International Peer Reviewed & Refereed Journals, Open Access Journal
ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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Issue: February 2026
Volume 11 | Issue 2
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Impact Factor : 8.14
Issue per Year : 12
Volume Published : 11
Issue Published : 117
Article Submitted : 21305
Article Published : 8476
Total Authors : 22301
Total Reviewer : 802
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| Paper Title: | Does Financial Inclusion Lead to State-Level Economic Growth |
| Authors Name: | Janhavi Kharat |
| Download E-Certificate: | Download |
| Author Reg. ID: |
IJRTI_206400
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| Published Paper Id: | IJRTI2509106 |
| Published In: | Volume 10 Issue 9, September-2025 |
| DOI: | |
| Abstract: | This study examines the relationship between financial inclusion and economic growth across three Indian states—Karnataka, Maharashtra, and Bihar—during 2011–2023. These states represent varying levels of development and financial penetration. Using secondary data and regression models, the analysis highlights how Jan Dhan account expansion and UPI adoption influence state-level GSDP growth. To enrich the analysis, a primary survey conducted in Mumbai provides micro-level insights on banking access, digital payments, and trust in financial services. Findings suggest positive impacts in Karnataka and Maharashtra, while Bihar lags due to infrastructural gaps, emphasizing the need for region-specific, inclusive policy measures. |
| Keywords: | Financial Inclusion, State-Level Economic Growth |
| Cite Article: | "Does Financial Inclusion Lead to State-Level Economic Growth", International Journal for Research Trends and Innovation (www.ijrti.org), ISSN:2455-2631, Vol.10, Issue 9, page no.b30-b39, September-2025, Available :http://www.ijrti.org/papers/IJRTI2509106.pdf |
| Downloads: | 000552 |
| ISSN: |
2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
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Published Paper ID: IJRTI2509106
Registration ID:206400
Published In: Volume 10 Issue 9, September-2025
DOI (Digital Object Identifier):
Page No: b30-b39 Country: Mumbai, Maharashtra, India Research Area: Arts Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2509106 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2509106 |
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ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED,
Journal Starting Year (ESTD) : 2016
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