Volume : 11, Issue : 11, NOV 2025

CREDIT CARD AUR BHARTIYA BAZAR: EK ADHYAYAN

PRAVEEN SINGH PAIKRA

Abstract

credit card adhunik vitteey pranaalee ka ek mahatvapoorn saadhan ban gaya hai, jisane bhaarat mein upabhokta vyavahaar, bainking sanchaalan aur dijital vaanijy ko mahatvapoorn roop se prabhaavit kiya hai. credit card kee pahunch ne kharch kee suvidha badhaee, khareed kshamata ko unnat kiya aur vishesh roop se shaharee kshetron mein vitteey samaaveshan ko protsaahit kiya. bhaarateey kredit kaard baajaar ke vikaas, upabhokta apanaane ke paitarn, niyaamak dhaanche, takaneekee navaachaaron aur ubharate rujhaanon ka vishleshan karata hai. isamen dhokhaadhadee, atyadhik rnagrastata aur sanchaalan jokhim jaisee chunautiyon ka bhee moolyaankan kiya gaya hai. adhyayan ka nishkarsh yah hai ki uchit niyaman, jaagarookata abhiyaan aur takaneekee apanaane se kredit kaard bhaarateey arthavyavastha mein aarthik gatividhiyon, dijital parivartan aur vitteey samaaveshan ko protsaahit kar sakate hain.

Keywords

credit card, bhartiya bazar, upbhokta vyavhar, vittiya samaveshan, digital bhugtan, banking kshetra, e-commerce, jokhim prabandhan, niyamak dhancha.

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Cite This Article

IESRJ

International Educational Scientific Research Journal

E-ISSN: 2455-295X

International Indexed Journal | Multi-Disciplinary Refereed Research Journal

ISSN: 2455-295X

Peer-Reviewed Journal - Equivalent to UGC Approved Journal

Peer-Reviewed Journal

Article No : 7

Number of Downloads : 159

References

1. Reserve Bank of India (RBI) – Credit Card Operations and Regulatory Guidelines.
2. SBI Cards, HDFC Bank, ICICI Bank Annual Reports.
3. Indian Banking Association (IBA) – Credit Cards and Digital Payments Report.
4. PWC India – “Digital Payments and Credit Card Market Analysis.”
5. McKinsey & Company – “India’s Payments Landscape and Trends.”
6. International Journal of Bank Marketing – Consumer Behavior in Credit Card Usage.
7. Nielsen Reports – “Consumer Spending and Credit Cards in India.”
8. World Bank – Financial Inclusion and Digital Payment Studies.