This issue highlights the transformative power of resilient banking and smart finance in shaping India's economic future. It explores how robust financial institutions, digital innovation, risk-resilient banking practices, and inclusive financial ecosystems are empowering individuals, businesses, and communities while accelerating progress toward the vision of Viksit Bharat 2047.
Cite this article: Adesh Kumar Tiwari, & Prof. (Dr.) Hanuman Prasad Malonia. (2026). The Financial Impact of Digital Twin Adoption and GST Compliance on Foundry MSMEs in Agra: A Study of Traditional and Modern Units. Pahal Horizon, An International Research Journal, 6(3), 1–6. https://doi.org/10.5281/zenodo.20606417
Cite this article: Anmol Kaur Sethi. (2026). An analytical study of enhancing transparency in e-commerce: the role of explainable artificial intelligence in selected indian fintech companies. Pahal Horizon, An International Research Journal, 6(3), 7–13. https://doi.org/10.5281/zenodo.20606728
Cite this article: Gunjan Raghav, & Prof. (Dr.) Hanuman Prasad Malonia. (2026). Pre -GST and Post- GST: a comparative analysis of compliance and ease of doing business. Pahal Horizon, An International Research Journal, 6(3), 14–21. https://doi.org/10.5281/zenodo.20606804
Cite this article: Abhinav Vashishtha, & Prof. Sanjeev Sharma. (2026). Impact Of Emotional Intelligence On Financial Decision Making And Growth A Study Of The Indian Banking Sector With Special Reference To Regulation, Risk & Digital Governance. Pahal Horizon, An International Research Journal, 6(3), 22–33. https://doi.org/10.5281/zenodo.20607842
Cite this article: Professor (Dr) Hanuman Prasad Malonia, & Ms. Kanika Agarwal. (2026). Corporate Social Responsibility Spending As A Tool For Sustainable And Inclusive Growth: Evidence From Oil Marketing Companies In Uttar Pradesh. Pahal Horizon, An International Research Journal, 6(3), 34–46. https://doi.org/10.5281/zenodo.20607930
Cite this article: Dr. Anu Jajoo, & Dr. Hariom Divakar. (2026). Microfinance in India: Relevance of Current Delivery Mechanism and a Road Map to Propel Prosperity. Pahal Horizon, An International Research Journal, 6(3), 47–57. https://doi.org/10.5281/zenodo.20607991
Cite this article: Dr. Pawnesh Mishra, & Mr. Yashasvi Pratap Singh. (2026). Role of MSMEs in Employment Generation and Inclusive Economic Growth in India. Pahal Horizon, An International Research Journal, 6(3), 58–66. https://doi.org/10.5281/zenodo.20608045
Cite this article: Ankit Kumar Verma, & Prof. M. K. Shastri. (2026). An Analysis of Pradhan Mantri Mudra Yojana with Special Reference to Entrepreneurship Development in India. Pahal Horizon, An International Research Journal, 6(3), 67–77. https://doi.org/10.5281/zenodo.20608142
Cite this article: Aditya Singh Yadav. (2026). An Overview Of Technology Integration’s Role In MSME. Pahal Horizon, An International Research Journal, 6(3), 78–88. https://doi.org/10.5281/zenodo.20608215
Cite this article: Mahesh Chandra, & Navnindra Kumari. (2026). Cryptocurrency vs. Statutory Currency: A Comparative Lens on India's Monetary System. Pahal Horizon, An International Research Journal, 6(3), 89–99. https://doi.org/10.5281/zenodo.20608338
Cite this article: Manish Kumar Rai, & Vinay K Srivastava. (2026). A Systematic Review of Green Finance in the Indian Banking Sector. Pahal Horizon, An International Research Journal, 6(3), 100–119. https://doi.org/10.5281/zenodo.20608382
Cite this article: Ms. Unnati Sharma, & Prof. Nidhi Sharma. (2026). An Analytical Study Of Job Stress In Public And Private Sector Life Insurance Companies: Causes, Consequences, And Contemporary Stress-Reduction Practices. Pahal Horizon, An International Research Journal, 6(3), 120–136. https://doi.org/10.5281/zenodo.20608430
Cite this article: Prof. S.D. Sharma, Dr. Saman Khan, & Gaurav Sharma. (2026). Advancing Human Capital for Strengthening Export Potential of MSMEs and Start-ups. Pahal Horizon, An International Research Journal, 6(3), 137–162. https://doi.org/10.5281/zenodo.20608461
Cite this article: Ms. Toshi Singh, & Prof. Sanjeev Sharma. (2026). A Conceptual Analysis of Financial Strategy Adaptation in Public and Private Sector Enterprises: A Study of NTPC Ltd. and Tata Power Ltd. Pahal Horizon, An International Research Journal, 6(3), 163–171. https://doi.org/10.5281/zenodo.20608497
Cite this article: Shashi Kumar, & Dr. Naveen Agrawal. (2026). Digital Banking: A Key Contributor towards Financial Inclusion in Rural Faridabad. Pahal Horizon, An International Research Journal, 6(3), 172–181. https://doi.org/10.5281/zenodo.20608528
Cite this article: Ms. Roopankshi Pareek, & Dr. Nidhi Sharma. (2026). Climate Risk Disclosure in Indian Banking: A Study of Voluntary Practices & Framework Adoption. Pahal Horizon, An International Research Journal, 6(3), 182–197. https://doi.org/10.5281/zenodo.20608555
Cite this article: Jay Varshney, & Prof. (Dr.) Ravi Maheshwari. (2026). Artificial Intelligence in the Banking Sector: Prospects and Challenges for Indian Banks. Pahal Horizon, An International Research Journal, 6(3), 198–209. https://doi.org/10.5281/zenodo.20608646
Cite this article: Ms. Shivani Jain, & Dr. Raju Thomas. (2026). Security Awareness And Challenges In The Use Of E-Payment Systems For E-Commerce. Pahal Horizon, An International Research Journal, 6(3), 210–223. https://doi.org/10.5281/zenodo.20608903
Cite this article: Dr Ashi Rooth Stuart. (2026). Financial Constraints and Credit Accessibility of Unincorporated Enterprises in India. Pahal Horizon, An International Research Journal, 6(3), 224–232. https://doi.org/10.5281/zenodo.20609050
Cite this article: Jay Varshney, & Prof. (Dr.) Ravi Maheshwari. (2026). A Systematic Literature Review on Employee Engagement in the Banking Sector. Pahal Horizon, An International Research Journal, 6(3), 233–246. https://doi.org/10.5281/zenodo.20609156