Volume 13 | Issue 11 |

 Abstract

FinTech in India has transformed payments, lending, insurance, and savings through rapid digitization and innovative business models. It has boosted financial inclusion and lowered transaction costs, but governance challenges persist--data privacy, consumer protection, AML/CFT compliance, and cyber resilience. This paper examines India's FinTech regulatory landscape, focusing on RBI guidelines, NPCI/UPI developments, regulatory sandboxes, and NITI Aayog recommendations. Using descriptive and exploratory review of regulatory documents and industry reports, the paper identifies fragmentation and capacity constraints as core challenges while highlighting opportunities in sandboxes, RegTech, and interoperable frameworks. The study offers policy recommendations for a technology-neutral, principle-based approach to sustain innovation while safeguarding financial stability and consumer welfare.

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 Keywords

FinTech India; Regulatory Framework; Digital Lending; UPI; Regulatory Sandbox; RegTech; Consumer Protection

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

The autonomous vehicle (AV) market in India faces a critical challenge due to a disconnect between global AV technologies, designed for structured environments, and the uniquely complex and unpredictable nature of Indian roadways. This project proposes the development of an Autonomous Vehicle Virtual Simulator specifically designed to mimic realistic Indian road conditions. The simulator will provide a safe, cost-effective, and controlled digital environment for training and evaluating self-driving systems. By recreating scenarios with erratic traffic patterns, diverse pedestrian behaviors, and varied road infrastructure like potholes, the goal is to provide a foundational tool for researchers and developers to test, validate, and scale AV models for the Indian market.

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 Keywords

Autonomous Vehicles, Virtual Simulator, Indian Road Conditions, Unstructured Traffic, Chaotic Driving, Model Training, Machine Learning, Data Gathering, Simulation Performance, CARLA, LGSVL, Sensor Simulation, Synthetic Data, Road Infrastructure, Potholes, Pedestrian Behavior, Safety Validation, User Empathy, Operational Design Domain

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The paper takes the example of making an investment in the Indian financial market with your capital of INR10,00,000 outlaid towards low-risk funds and sectors safe/fall back investment avenues. The study brings out SEBI as a primary regulator and also bring out the statutory provisions of The Securities Contracts (Regulation) Act, 1956, The SEBI Act,1992 and Mutual fund regulations. It examines how risk profiling, investor protection mechanisms, disclosure requirements and prudential norms influence investment decisions in equities, derivatives and mutual funds.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Financial market, mutual fund. securities market, legal framework, investor protection, scope of investment

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Recurrent aphthous stomatitis (RAS) and traumatic oral ulcers are painful lesions that significantly impair oral function and quality of life, arising from multifactorial causes including immune dysregulation, microbial imbalance, trauma, and nutritional or systemic factors. Herbal agents such as papaya (Carica papaya), Tulsi (Ocimum sanctum), Aloe vera, honey, and clove (Syzygium aromaticum) exhibit anti-inflammatory, antimicrobial, antioxidant, and wound-healing properties, supporting mucosal repair and reducing recurrence. Incorporation of these herbal agents into mucoadhesive systems, including gels, oral disintegrating strips, and lozenges, enables localized, sustained therapy with improved patient compliance, safety, and efficacy. Compared to conventional corticosteroid- or amlexanox-based treatments, herbal formulations offer a biocompatible, patient-friendly, and holistic approach. Future studies should focus on optimizing formulation strategies, standardizing phytochemical profiles, and conducting clinical validation to bridge traditional knowledge with modern pharmaceutical science, advancing effective and sustainable oral ulcer management.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Oral ulcers, recurrent aphthous stomatitis, Carica papaya, Ocimum sanctum, Aloe vera, honey, clove, oral wound healing

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Creative Commons Attribution 4.0 and The Open Definition

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Modern lifestyle changes and increased work-related stress among women have led to a rise in gynecological disorders, including hemorrhagic ovarian cyst (HOC). A hemorrhagic cyst is a type of functional cyst, commonly referred to as a corpus luteal cyst. These cysts are formed due to bleeding into the corpus luteum and typically resolve spontaneously; however, symptomatic cases may require medical or surgical intervention.This case report presents a 28-year-old female diagnosed with a right-sided hemorrhagic ovarian cyst measuring 36 x 22 x 33 mm (volume 14 cc). The patient presented with lower abdominal pain, abdominal bloating, dysmenorrhea, and burning micturition.She was treated with Ayurvedic formulations including Kanchanara Guggulu, Raktapachak Vati, Varunadi Kashaya, Avipattikar churna vati and Chandraprabha Vati over a period of three months. Follow-up ultrasonography revealed complete resolution of the cyst, along with significant relief from symptoms.This case highlights the potential efficacy of Ayurvedic treatment in the non-surgical management of hemorrhagic ovarian cysts and suggests the need for further research in this area.

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 Keywords

Ovarian Hemorrhagic cyst, Ayurveda, Varunadi, raktapachak vati.

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Creative Commons Attribution 4.0 and The Open Definition

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Pre-workout supplements are widely consumed by fitness enthusiasts and athletes to enhance stamina, energy, and focus during exercise. However, the conventional oral route often results in delayed absorption, gastrointestinal discomfort, and erratic plasma concentrations. The development of a transdermal herbal pre-workout patch offers an innovative and user-friendly alternative for delivering active herbal ingredients directly through the skin into systemic circulation. Herbal actives such as Panax ginseng, Withania somnifera (Ashwagandha), Camellia sinensis (Green tea extract), Rhodiola rosea, and Curcuma longa have shown potent adaptogenic and ergogenic effects that can significantly improve physical performance. The patch system provides controlled drug release, minimizes first-pass metabolism, and ensures sustained energy release without the crash associated with synthetic pre-workouts. This review highlights the formulation strategies, evaluation parameters, and potential benefits of herbal transdermal pre-workout patches, emphasizing their role as a safe, natural, and effective alternative for performance enhancement in modern sports nutrition.

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Creative Commons Attribution 4.0 and The Open Definition

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Herbal patch, Pre-workout, Transdermal delivery, Nutraceuticals, Performance enhancer, Herbal actives

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

प्रस्तुत शोध पत्र राजपूताना की विभिन्न रियासतों में प्रजामण्डल आन्दोलनों की भूमिका और उनके द्वारा लोकतांत्रिक चेतना के प्रसार का विश्लेषण प्रस्तुत करता है। बीसवीं शताब्दी के प्रारम्भिक दशकों में जब भारतीय राष्ट्रीय आन्दोलन ने गति पकड़ी, तब राजपूताना की देशी रियासतों में भी राजनीतिक जागृति का संचार हुआ। प्रजामण्डलों ने निरंकुश राजतंत्र के विरुद्ध जनता को संगठित कर उत्तरदायी शासन की स्थापना के लिए संघर्ष किया। यह अध्ययन कोटा, बूँदी, झालावाड़, बाँसवाड़ा, अलवर, धौलपुर, करौली, डूंगरपुर, सिरोही और जैसलमेर जैसी प्रमुख रियासतों में प्रजामण्डल आन्दोलनों का विस्तृत विवरण प्रस्तुत करता है। इन आन्दोलनों ने न केवल राजनीतिक अधिकारों की माँग की बल्कि सामाजिक और आर्थिक सुधारों की दिशा में भी महत्वपूर्ण कार्य किया। शोध में प्राथमिक स्रोतों जैसे गुप्तचर रिपोर्ट, राजकीय फाइलें और समकालीन दस्तावेजों के आधार पर यह स्थापित किया गया है कि प्रजामण्डलों ने राजपूताना में लोकतंत्र की नींव रखने में अत्यंत महत्वपूर्ण भूमिका निभाई।

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प्रजामण्डल आन्दोलन, राजपूताना रियासतें, लोकतांत्रिक चेतना, उत्तरदायी शासन, राजनीतिक जागृति, नागरिक अधिकार, भारत छोड़ो आन्दोलन, देशी राज्य लोक परिषद

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Creative Commons Attribution 4.0 and The Open Definition

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In this paper, we present an AI-powered Library Chatbot designed to provide personalized book recommendations and enhance the accessibility of library resources. Students often face difficulties in locating the right books in college libraries due to the vast number of available titles across diverse subjects. For instance, a student preparing for UPSC or CA examinations may struggle to find the most suitable book based on their level of understanding or area of focus. To address this challenge, we developed a Retrieval-Augmented Generation (RAG)-based system, built using the LangChain framework, that efficiently provides detailed information such as book accession number, author, edition, subject, language, place of publication, and rack location-- significantly reducing search time from nearly 20 minutes to a few seconds. The chatbot is built using Python, Streamlit, HTML, and CSS for the user interface, integrated with ChromaDB as the vector database and the Hugging Face AllMiniLM model for word embeddings. The GROQ API with Google 2B LLM serves as the core language model. The system was trained on a dataset of 26,000 books provided by the college librarian and is deployed on Streamlit Community Cloud for public access.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

AI-Powered Chatbot, Book Recommendation System, Retrieval-Augmented Generation (RAG), Large Language Model (LLM), ChromaDB, Natural Language Processing (NLP), Library Automation, Hugging Face, Streamlit, Generative AI, LangChain

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Creative Commons Attribution 4.0 and The Open Definition

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Heavy metals are widespread in the environment. Some of them are essential for living organisms as they play key roles in vital physiological functions, while others are non-essential and can be toxic. Even essential metals can become harmful when their concentrations exceed permissible limits. Heavy metals are commonly found in aquatic bodies and organisms such as fish. Fish constitute an important part of the human diet, serving as a rich source of proteins, vitamins, and minerals. However, they may pose potential health risks due to contamination with heavy metals. Therefore, regular monitoring is crucial, as it provides valuable information for assessing the potential health risks associated with heavy metal exposure.

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 Keywords

Bioaccumulation , Catla , , Chandlai Lake, Heavy Metals

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

This project presents the design, stress analysis, and optimization of an axle used in a wood transfer system equipped with roller and chain conveyors. The primary aim is to improve the structural integrity and performance of the axle, which supports the load transferred by feeder wheels in a high-load, high-precision environment. Using both analytical calculations and simulation through SolidWorks, stress and deflection under applied forces were evalu ated for various iterations. Initial designs using S235JRG2 material showed failure due to stresses exceeding the yield strength. Through optimization of geometry and material substi tution with C45 steel, the final design demonstrated safe stress levels and minimal deflection, ensuring operational reliability and long-term durability. The analysis confirms that proper selection of material and geometry can significantly enhance the load-bearing capacity and lifespan of machine components in industrial applications.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Axle design, Finite Element Analysis, SolidWorks Simulation, Stress Optimization, Conveyor System, S235JRG2, C45 Steel, Wood Transfer System, Structural Integrity, Mechanical Engineering.

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Creative Commons Attribution 4.0 and The Open Definition