Raghavendra J Mirajkar

  Strategic Credit Analysis: Institutional Credit Restraints in the Shirdi Sub-Region (Ahmednagar District, Maharashtra) This data-backed report details the microeconomic structural bottlenecks that restrict the flow of credit from Scheduled Commercial Banks (SCBs)—specifically Nationalised/Public Sector Banks (PSBs)—to local entities in the Shirdi region. [1, 2] 1. Executive Summary While nationalised banks in Ahmednagar district actively hit overall Priority Sector Lending (PSL) targets mandated by the Reserve Bank of India (RBI), there is a severe macro-to-micro disconnect. In the Shirdi sub-region, local retail and commercial loan applications face exorbitant rejection rates . This credit rationing is not a deliberate regional boycott, but rather a direct institutional risk-mitigation strategy reacting to unmarketable land collateral, hyper-skewed liquidity ratios from temple trust deposits, and systemic Non-Performing Asset (NPA) risks in seasonal economies . [2, 3...

Shirdi: A Vision for Transformation from Religious Pilgrimage Center to Modern Urban Hub Introduction Shirdi, primarily known as the spiritual abode of Sai Baba, stands at a critical juncture in its development trajectory. While its identity as a religious pilgrimage destination remains paramount, there exists tremendous potential to transform this sacred town into a well-planned urban center. This transformation should carefully balance preservation of its spiritual essence while addressing the needs of millions of visitors annually. Urban planning must reconcile traditional pilgrim requirements with modern urban infrastructure, creating a sustainable model for religious tourism-driven urban development. Urban Development Framework Shirdi should implement a comprehensive master plan that prioritizes both religious significance and sustainable growth. A strategically designed ring road system should divert through-traffic away from the temple core, creating a peaceful central zone...

India Battles There is a saying when you are in trouble: "Look to the east" on this very planet. Yes, India is not the India which has been enriching the world with mathematics, artisans, craftsmanship, spirituality & rich natural resources. And the same India, deprived of all legacy and heritage by massacre and plundered and systematically looted. Still starving stomachs boosted the UK's industrial revolution with cotton and indigo & shedding blood in World War. Fighting for independence, from the struggling initial era of inflation-ridden crisis to making way from the Licence Raj. A huge potency that India possesses is not just a natural resource but every inhabitant of this soil. Recent agrarian distress due to demonetisation: the struggling minions have always kept this homeland intrinsically a promising market. With an average age of twenty-eight. India is just the same ever in battle. Doldrums, even with all the virtuous qualities to the highest v...

Shirdi is so popular it’s driving 1/6 th of total tourist visits across Maharashtra with 40,000+ visitor foot fall per day. 22% annual growth in vehicular traffic. Despite of this there are many challenging aspects in regard with revenue rationalization & optimization for local business and devotee satisfaction & quality experience in Shirdi. For  Mahasamadhi centenary year to make it happening. Fundamentally there is crucial aspects need to be addressed from Local Business network & Destination Management organization, which will be consortium of all Government /non government organization, Trust and commercial institution This consortium should utilize technologies like BI (Business Intelligence) by implementing DWM (Destination Web Monitoring) to understand the process Flow and to take critical decision. As age old mass media communications would only help to spread information across. Where as internet based technology helps not only in marketing but ...