This paper assesses the usefulness of an integrated Systematic Investment Plan-Systematic Withdrawal Plan (SIP-SWP) as a model of long-term wealth development and long-term retirement wealth generation in both equity and debt mutual funds. The study is founded on primary survey data and the secondary historical data on NAV data from 2010–2025. Return performance, withdrawal sustainability and investor behaviour were measured using statistical tests that included CAGR, standard deviation, t-test, chi-square test and Monte Carlo simulation. The results indicate that equity funds perform better in promoting accumulation of wealth because of their greater return potential whereas debt funds would be more stable during the withdrawal period. There was a strong correlation between the expectations of returns and fund preference which shows that the view of investors affects the asset allocation decisions. The analysis endorses the idea of balanced equity–debt allocation and the orderly SIP-to-SWP transition plan to enhance the sustainability of retirement corpus. The proposed model is an AI- assisted and zero-brokerage retirement tool that helps plan asset allocation and inflation-adjusted retirement income.

The use of cloud computing is now the primary infrastructure model available to students, beginning developers and other educational institutions. Amazon Web Services (AWS) created the AWS Free Tier to motivate cloud adoption. Since this Cloud Service (CS) offers limited and free access to core CS, it still presents a problem for new users who struggle to comprehend their AWS billing and the real-time costs involved in starting to use a CS. The purpose of this study is to investigate and evaluate the ideas of billing interpretability and cost visibility for AWS Free Tier. In this scenario, I will recommend a five-stage Cost Interpretability Framework focusing on each user's configuration of services, how those services were used (measured), how those services were viewed displayed on the dashboard, and the various effects of gap-to-gain between each of these factors on a user's behaviour, learning, and experimentation with AWS Free Tier services. This research shows that even if users stay within their AWS Free Tier limits (use limits), there are still interpretability (cognitive) factors related to costs and usage that affect experimentation and behavioural trends. In order to better help students and beginners in embracing and learning how to use Cloud Services, suggestions are made to enhance the dashboard's user interface clarity.

Sustainability means meeting our present needs without compromising the ability of future generations to meet theirs. It is build on components such as: • Social Sustainability • Economic Sustainability • Environmental Sustainability Let’s take view of sustainability in terms of fashion industry. In fashion industry to keep up with the trend, the brands keep on manufacturing the goods neglecting factors such as social, economic and environment leading to disbalance of the nature. Therefore it is important to keep balance in all the aspects of sustainability. Sustainability in Fashion industry, especially, in bags and accessories sustainability focuses on reducing environmental impact while maintaining ethical and profitable production. Digital platforms plays a crucial role in today’s world in maintaining balance in sustainability, in fashion industry. Use of technology in the processes of sustainability management may help the fashion industry to develop a new, responsible and circular economy. Through this research, it is possible to suggest changes that would change the fashion industry in long run and therefore significantly decrease the negative impact of fashion on the environment, increase the ethical aspects of production, and make the fashion consumption and production processes more sustainable. Implementing the suggested changes would help reduce the negative environmental consequences associated with fashion production, such as excessive water consumption, chemical pollution, textile waste, and greenhouse gas emissions. In addition, it also looks at how the use of technology can enhance ethical standards, including fair labour conditions and supply chain management. Besides, providing brands and manufacturers with information about new technologies in sustainable fashion, this study helps consumers to make better and more environmentally friendly decisions. Overall, this research demonstrates that through evidence-based recommendations and coordinated efforts among policymakers, brands, manufacturers, and consumers, the fashion industry can move toward a more sustainable, ethical, and environmentally responsible future.

Artificial Intelligence (AI) is rapidly transforming financial systems across the globe, particularly in emerging markets where traditional risk assessment methods often fail due to data limitations and market volatility. This study examines the role of AI-based financial risk prediction models in improving decision-making, enhancing credit evaluation, and minimizing investment uncertainty in developing economies. The research explores how machine learning algorithms, predictive analytics, and big data integration contribute to identifying potential financial risks such as credit defaults, market fluctuations, and fraud detection. Emerging markets often face challenges such as inconsistent financial records, lack of transparency, and dynamic regulatory environments, making AI-driven solutions highly relevant. The study highlights the effectiveness of AI in improving forecasting accuracy, reducing human bias, and enabling proactive risk management. However, it also considers limitations such as data privacy concerns and technological barriers. The findings suggest that AI-based risk prediction systems can significantly strengthen financial stability and support sustainable economic growth in emerging markets.

Startups play a vital role in accelerating India’s economic development by contributing to job creation, innovation, capital formation, and regional growth. They support the expansion of new industries, enhance productivity, and encourage competition, which ultimately strengthens the country’s GDP and overall economic structure. The rise of startups in sectors such as fintech, e-commerce, edtech, agritech, and healthcare has created new market opportunities, increased digital adoption, and attracted both domestic and foreign investments. By promoting entrepreneurship and supporting small-scale innovation, startups also contribute to balanced regional development and reduce dependence on traditional employment sectors. This research paper focuses specifically on the contribution of startups to India’s economic development. The study will use both primary and secondary data collection methods. Primary data will be collected through surveys and questionnaires from Young Entrepreneurs, Students , and other relevant respondents . Secondary data will be gathered from government reports, startup databases, research journals, and publications from organizations such as DPIIT, NASSCOM, and RBI. The paper will also evaluate the strengths and weaknesses of startups in the context of economic development. Key strengths include employment generation, innovation-driven growth, increased foreign investment, and the development of new business ecosystems. However, startups also face weaknesses such as high failure rates, funding challenges, regulatory barriers, and limited access to skilled resources in certain regions.

Analyzing primary survey data of gig workers and consumers and secondary data from NITI Aayog the paper delineates how income growth, business expansion, and unemployment correlate with patterns of gig employment. Our two-sample t-test reveals that higher income leads to significant consumption on complement services based on platform, while business scale increases demand for gig workers. But they also find evidence of income volatility, skill underutilization, and high job-switching intentions, which suggest a weakness in overall long-term employment stability. Income insecurity and limited social protection are a big focus for human wellbeing while the gig model promotes flexible labor allocation and rapid platform growth from a business perspective. Policy support, skill alignment, income stabilization mechanisms and will provide sustainable development of gig economy.

Health Insurance in India are generally confusing and slow. Many people do not understand the terms and conditions in the policy coverage, and it takes long time for claim approval. Hospitals and Insurance Companies also faces issues like fraud and counterfeit bills, excessive paperwork. This study aims at how a centralized digital system can connect policyholders, hospitals and insurance companies in one single platform. The aim is to simplify claim process, and make it fast and clear for everyone. The study is based on survey results about claim types; users experience and their satisfaction levels. The digital platform helps users to view all the details of their policy, upload their documents online, apply for claim easily, and track their claim process. This reduces the excessive paperwork, improves communication between stakeholders, and saves time. This study concludes that digital integration can build trust among stakeholders, reduces stress and reliable health insurance claim system.