Author (s) :

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1). Dr. Tulsi Raval, Smt. KSN Kansagara Mahila Collage, Rajkot, Gujarat, India
2). Dr. Krishna Ashutoshbhai Vyas, R K University, Rajkot, Gujarat, India

Keywords :

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Sectoral lending, bank credit, credit-deposit ratio, economic growth, regression, India

Abstract :

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This paper analyzes sectoral trends in bank lending in India from 2019 to 2025, including forecasts, with an emphasis on their impact on broad-based economic growth. By examining the dynamic allocation of bank credit across agriculture, industry, services, and retail, and evaluating the performance of the credit-deposit ratio, the paper assesses how these indicators intersect with India’s development trajectory. The findings reveal a growing dominance of industrial and retail credit, reflecting the changing priorities and structure of India’s economy. Statistical methods, including trend, share analysis, correlation, and regression, are used to support key conclusions.

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Author (s) :

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1). Prof. Kinjal Thaker, Darshan Institute of Management, Rajkot, Gujarat, India
2). Dr. Dhaval Vyas, Darshan Institute of Management, Rajkot, Gujarat, India

Keywords :

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entrepreneurship, India, challenges, economic growth

Abstract :

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This research paper explores the multifaceted landscape of entrepreneurship in India, examining its historical roots, contemporary challenges, and evolving dynamics. Drawing upon a range of studies, the paper delves into key aspects such as the role of entrepreneurship in economic growth, the impact of management education, the rise of the Indian startup ecosystem, and the specific experiences of rural, female, and differently-abled entrepreneurs. The analysis highlights the diverse challenges faced by Indian entrepreneurs, including access to finance, navigating regulatory hurdles, and overcoming societal and cultural barriers. Simultaneously, the paper underscores the significant contributions of entrepreneurship to India's economic and social development, emphasizing its role in job creation, technological innovation, and inclusive growth. By examining these diverse perspectives, the paper aims to provide a comprehensive understanding of the entrepreneurial journey in India, offering valuable insights for policymakers, educators, and aspiring entrepreneurs alike.

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