Copyright © 2026 Authors retain the copyright of this article. This article is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

@article{188850,
        author = {Mr. Sandeep Kule and Dr. Gauri Prabhu},
        title = {Financial Inclusion in the Dairy Sector: A Review of Empirical and Conceptual Literature},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {12},
        number = {7},
        pages = {4133-4138},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=188850},
        abstract = {Financial inclusion has emerged as a crucial enabler for the growth and resilience of dairy farmers in India. Despite the availability of several institutional schemes, research indicates persistent gaps in awareness, accessibility, and utilization among rural dairy households. This paper synthesizes conceptual and empirical literature exploring financial schemes, credit support, and infrastructural interventions targeting dairy farmers. The review highlights major trends, policy implications, and research gaps, providing direction for further study. It concludes that while financial frameworks are robust, actual penetration remains uneven.},
        keywords = {Financial Inclusion, Dairy Farmers, Government Schemes, Rural Finance, Maharashtra, Agricultural Credit},
        month = {December},
        }