R. A.

Podar College of Commerce and Economics,

Matunga, Mumbai-19.

National Seminar
on
Sustainable Regional Development in India
Challenges and Opportunities
10th January 2015

Archers & Elevators Publishing House

www.aeph.in

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Panel of Paper Reviewers

1. Dr. Rohini Kelkar
Principal, Vidyalankar School of Information Technology
Wadala, Mumbai.
2. Dr. Sunanda Bhat
Principal, Ghanshyamdas Jalan Women Degree College of Science & Commerce,
Arts
Mumbai.
3. Mrs. Rashmi Wagle
Former Vice-Principal, R. J College,
Ghatkopar, Mumbai

Organising Committee
Advisory Committee:
Principal Dr. (Mrs) Shobana Vasudevan
Vice-Principal Mr. S. Natarajan
Vice-Principal Mrs. Kavita Jajoo
Mr . S. G. Bhalerao
CA. Rajendra Phadke
Mr. Somasekhar Sundaresan
Mr. Pralhad Burli

Conveners:
Ms. Sudarshana Saikia
Dr. Vinita Pimpale

Treasurer
Mrs. Manjusha Sawant

ACKNOWLEDGEMENT
We are overwhelmed by the support and encouragement given to us by all our well
wishers in the conduct of the I.CS.S.R. sponsored National Seminar on Sustainable
Regional Development in India-Challenges and Opportunities.
We are thankful to the Indian Council for Social Science Research (W.R.C.) for the
financial assistance provided for organizing the Seminar and appreciate their interest
shown in the issues concerning balanced regional development in India.
The management of our college has always been very supportive and we are grateful
to them for encouraging us to take this initiative.
We express our gratitude to the Panel of paper reviewers who very meticulously
evaluated the papers within the stipulated time.
The College values the precious time and expertise that the resource persons have
agreed to spare for the seminar.
Our sincere thanks to all the delegates who have written papers for the National
seminar.
A special mention of our colleagues, teaching and non-teaching staff, who have
been working tirelessly and without whom the smooth conduct of the seminar would
not have been possible.
We also thank Archers and Elevators publishing house for publishing the
proceedings of the national seminar well in time.

Profile of Shikshana Prasaraka Mandali

The Shikshana Prasaraka Mandali, Pune, is one of the most prestigious private educational
societies in Maharashtra. It was established in 1888 to promote education and make it easily
accessible to all economic classes in Maharashtra. It was a positive way of responding to the
growing awareness of the importance of higher education and urgent needs of the society at that
point of time. Shri. K. B. Dongre, R. G. Deo, D. S. Karambelkar and R.B. Kulkarni, were the
founding members who were committed teachers and valued education .Their vision and mission
remain a guiding force to all Institutions run by S.P. Mandali till today.
In the last 125 years of its glorious sojourn in the field of education, S.P. Mandali has established
more than 40 institutions in Maharashtra and other states. These include Pre-Primary, Secondary
and Higher Secondary schools, Arts, Science and Commerce colleges, college for Education, a
school for hearing impaired children, a therapeutic drug monitoring laboratory, an institute
carrying out research in Ayurvedic and Herbal Medicine and management institutes.
All the institutions of The S.P.Mandali are known for their academic excellence and attract
students from all parts of India and abroad. Ramnarain Ruia College, Mumbai has been awarded
the College of Excellence by U.G.C. Delhi, Ramniranjan Anandilal Podar College, Mumbai A'
grade; Sir Parsurambhau College, Pune A' grade and Tilak College of Education, Pune A grade
by the National Assessment & Accreditation Council of India. The management Institutes run by
the Mandali have been rated high by the respective accreditation agencies. Many eminent
personalities have served on the board of the Mandali.

S.P.Mandalis
R.A. Podar College of Commerce and Economics
R.A. Podar College of Commerce and Economics is an educational institution established by the
Shikshana Prasaraka Mandali, Pune in 1941. It was the first non-government Commerce College
under the University of Mumbai. The college is accredited with an A grade (CGPA of 3.63 on a
four point scale) which reaffirmed the quality education provided by the college.
With the vision Samaani va Aakooti : Samaanaa Hridayaani Vaham which means One in mind
and one in heart, the college has been consistently successful in producing quality students on
the academic, athletic and co-curricular fronts. True to the mission Na hi gnyaanen sadrasham
pavitramiha vidyate meaning There is nothing in this universe as pure as knowledge,Podar
college provides a platform for students to explore their talents while being in the forefront of
academics. Blessed with dedicated and committed faculty Podar gives the best ambience for the
learners.
There are myriad forums in the college like Speakers Academy, Planning Forum and Economics
Association, Group Discussion Cell, Women Development Cell, Artists Guild to name a few.
The college has a vibrant NSS and NCC units which help in developing all round personality of
its students. The students exchange programme with a German school, provides students with
an international exposure.
Over the years, Podarites have been shining bright in different areas. From Chief Justice Shri
Lahoti to Farookh Engineer, Dilip Vengasrkar in sports to Mahalakshmi Iyer in music. Podar has
also witnessed the growth of an entrepreneur in Padmashri Bhavarlal Jain and also a political
leader in Gurudas Kamath. The list is endless. Following their footsteps the present generation
has also won top honours in academics as well as in several inter collegiate, interstate and
international events.

The future prospects of Podarites is truly reflected in our maxim

Podar- Nurturing Intellect, Creating Personalities.

Principals Message

Dr. (Mrs) ShobanaVasudevan

The dawn of the current century ushered in the need for a relook at the developmental issues
across the globe. If Development was the word, which ruled the world during the 20th century,
Sustainable Development could be aptly described as the phrase of the current century. Almost
all the developmental activities of the previous century concentrated on volume and value of the
factors of development at a given point of time. Twenty first century brought in a radical change
in this outlook. Developmental Economists world over started realizing the need for an allinclusive growth with an eye on future thereby started propagating the need for sustainable
development
Sustainable development is development that meets the needs of the present without
compromising the ability of future generations to meet their own needs. This view of select
experts emphasizes the need for redefining the process and programs followed by countries of
the world while designing their developmental agenda.
An overview about the nature of development in the Indian Economy exemplifies the asymmetry
in the developmental agenda of the state and central Governments. Described as one of the
largest democracies, India, with two- dozen and few more states tagged with union territories,
emerge as a classic example for haphazard development with highly restricted concern towards
future generation. It is said that 55% of the Indian population will reside in urban areas by 2020.
With ever increasing population there is bound to be lopsided development in future also.
Identifying the existing regional imbalances and correcting them is therefore the need of the
hour. The contribution of academicians in this context cannot be overemphasized. The purpose
of this seminar is to bring likeminded academic experts together such that they exchange ideas
related to the central theme viz Sustainable Regional development in India.
I sincerely hope that the brainstorming sessions will lead to some concrete roadmap which may
guide the decision makers in formulating suitable guidelines.
With just two years short of 70th year of independence, we need to understand that our country is
no more younger. It is our duty to enable India emerge as a strong global player, by altering our
developmental schemes and by accelerating comprehensive growth.

From the desk of the Conveners

Regional inequality is a major concern in a developing country like India with diverse
requirements. Economic and social disparities across states and intra-regional disparities have
been the major planks for adopting planning process in India since independence. Apart from
massive investments in backward regions, various public policies directed at encouraging private
investments in such regions have been pursued during the first three decades of planned
development. Since the Fourth Five Year Plan, it was realized that in order to reach the socioeconomic goals of development, a greater diffusion and growth of activity and employment at
local levels would be needed.
Decentralization and inclusive growth have been pursued by the Planning Commission to
achieve balanced regional growth.

Currently, sustainability concerns have become a vital

element in the planning process as well. Providing access to healthcare, drinking water, a reliable
power supply and public transportation are some of the key elements for sustainable regional
development. To meet the challenges of continuing growth without destroying the environment,
planning for sustainable regional development is crucial. The development of different regions
and the national economy as a whole needs to be viewed as parts of a single process.
This seminar shall be a forum for exchange, interaction, dialogue amongst academicians,
researchers, social activists and policymakers to present their views and ideas. By providing an
academic platform the organizing committee of R.A. Podar College invited interested persons to
pen down their thoughts and opinions. After a blind review the academic experts recommended
around thirty-two papers for publication. This volume contains papers recommended by the
committee of experts.

Profile of the Resource Persons for the National Seminar on Sustainable Regional
Development in India-Challenges and Opportunities

Dr Sandhya Iyer
Dr. Sandhya S. Iyer is a Development Economist and Associate Professor at
the Tata Institute of Social Sciences. She has been an active researcher in the
sphere of public policies for human development, Decentralisation,
Social Security for Informal Sector workers and Excluded Sections of the
Population, Social Insurance and Financing Social Sector Expenditure. Some
of the publications are Financing Social Security for Informal Sector Workers
in India, Role of Employment Guarantee Scheme in reducing poverty,
Institutions and Human Development in India, Towards District Planning for
Human Development: A Study of three Districts in Maharashtra and Economic Reforms and
Human Development in Maharashtra. She guides students pursuing M.A., M.Phil and Ph.D
research in Development Studies. As a Consultant, she has been a lead project director for over
fifteen research studies commissioned by sub-national, national and international donor agencies.
Dr. Satyaki Roy
Dr. Satyaki Roy currently working as Associate Professor at the Institute for Studies in Industrial
Development (ISID), New Delhi did his Masters from Jadavpur University and Ph.D. from the
University of Calcutta. His initial research focuses on industrial clusters in
India and the nature of spatial concentration of production in the context
late industrialization. His work on industries focuses on labour intensive
sectors such as garments, leather, foundries as well as developments in
automobiles and surgical instruments. He worked on various projects
sponsored by the ICSSR; Planning Commission, GOI; Department of
Science and Technology, GOI and inter-country comparative studies
sponsored by IDRC, Canada and IDE, Japan. Besides his continued interest
on industrialization and regional development he has worked and published
extensively on diverse issues related to labour and employment, structural
change in India and the emerging trends in the manufacturing sector; growth and human
development in India and political economy of informality. His current areas of interest include
global production network, its implications on the process of industrialization in developing
countries and the emerging nature of global hegemony in the context of globalization.

Kala Seetharam Sridhar

Kala S Sridhar is professor and head, Centre for Research in Urban Affairs,
Institute for Social and Economic Change (ISEC), and was earlier Ford Public
Affairs Fellow and head, Public Policy Research at Public Affairs Centre. Prior
to this, she was Fellow at the National Institute of Public Finance and Policy,
New Delhi, Associate and Assistant Professor at the Indian Institute of
Management, Lucknow, and Research Economist, National Association of
Home Builders, Washington, DC.
She has written several books on urban issues (out of Springer, Oxford University Press and
Palgrave Macmillan), several journal articles and chapters in books. She is the recipient of
several highly competitive international awards for her research. Her Ph.D. dissertation at the
Ohio State University received the Doctoral Dissertation Research Grant of the U.S. Department
of Housing & Urban Development, for whom she is a referee. She was a referee for the Global
Development Network (GDN) and is a member of various expert committees/groups of the
government of Karnataka on urban development. She was India country expert for ADBs
project on green urbanization in Asia, has contributed to ADBs knowledge product on inclusive
urban development in south Asia, to ADBs Key Indicators and has written a chapter to United
Cities & Local Governments Global Report on Decentralization and Local Democracy (GOLD
III) for the Asia Pacific. She was a senior advisor to GDNs global project on urbanization in
Nepal and Ecuador, other advisors being Tony Venables and Bob Buckley. She is a reviewer for
several internationally peer-reviewed journals, Oxford University Press and Sage Publications.

Dr. Ritu Diwan, Director, Centre for Development Research and Action, Mumbai
A Ph.D. in Economics from the University of Mumbai she has been working
with the Department of Economics, University of Mumbai since 1974. She is
a consultant to many Agencies like the Planning Commission, Government of
India, UNDP, United Nations Women, International Labour Organization,
Ministry of Women and Child Development, Government of India,
Politikon, South African Journal of Political Studies, (official Journal of the
South African Association of Political Studies, Taylor & Francis (Routledge),
South Africa.
She has a wide number of publications and consultancies under her name and more than a
hundred-national/regional seminars held along with around 30 international conferences.

R. A. Podar College of Commerce and Economics,

Matunga, Mumbai-19

National Seminar
On
Sustainable Regional Development in India-Challenges and Opportunities
Programme Schedule
Saturday 10th January 2015

Particulars
Inaugural Ceremony and Key
note address
Technical Session I
Regional Inequality in India

Registration: 8.30 am to 9.30am

Time
Chief Guest/Resource Person
9.30 am to 10.15 am
Inaugural session

10:15 am to 10:55 am

10.55am to 11.15 am
11.15 am to 11:30 am

Technical Session II
Regional Growth and Human
Development

Technical Session III

Regional growth policies and
inclusive growth

Technical Session IV
Sustainable development

Valedictory Function

Dr. Sandhya Iyer

Associate Professor, Tata Institute of
Social Sciences
Paper Presentation by participants
Interactive Session

Tea Break: 11:30 am to 11:45 am

11:45 am to 12:25 pm
Dr. Satyaki Roy
Associate Professor, Institute for Studies
in Industrial Development, New Delhi
12.25 pm to 12:45 pm
Paper Presentation
12:45 pm to 1.00 pm
Interactive Session
Lunch: 1:00 pm to 1:45 pm
1:45 pm to 2:25 pm
Dr. Kala S Sridhar
Prof & Head, Centre for Research in
Urban Affairs, Institute for Social and
Economic Change (ISEC), Bangaluru
2.25 pm to 2:45 pm
Paper Presentation by participants
2:45pm to 3:00pm
Interactive Session
Tea break: 3:00 pm to 3:15 pm
3:15 pm to 3:55 pm
Dr. Ritu Dewan
Director,
Centre for Development Research and
Action, Mumbai
3:55 pm to 4:15 pm
Paper Presentation by participants
4:15 pm to 4:30 pm
Interactive Session
4:30 pm to 5:00 pm

Valedictory Session

INDEX
Sl.No

Paper 1
Paper 2
Paper 3
Paper 4

Paper 1
Paper2
Paper 3
Paper 4
Paper 5

Paper 1
Paper 2
Paper 3
Paper 4
Paper 5
Paper 6
Paper 7

THEME I: REGIONAL INEQUALITY IN INDIA

Regional Dispartiy in India : Some Critical reflections
Dr.Sandhya S. Iyer
RuralUrban Division And Sustainable Comprehensive Development In
India
Dr. Mahendra Prakash
A Study On Penetration of SHG-Bank Linkage Program In India
Dr. Ruchi Sagar
Infrastructural Inequality In Duars, West Bengal
Dr. Moushumi Datta
Regional Inequality A Legal Perspective
Dr. Bindu Variath
THEME II: REGIONAL GROWTH AND HUMAN DEVELOPMENT
Worrying Spots in Making Indias Growth Inclusive and Sustainable
Dr.Satyaki Roy
A struggle for the Sustainable life: A case study of Gaddis - Nomadic
Tribes of Jammu & Kashmir.
Ms. Karuna V.Shinde
Human Development In Maharashtra
Mr. Kamalesh Atmaram Raut
Regional Inequality The Architect Behind Naxalbari Movement
Ms.Munmy Chhetry Baruah
Potential Utilisation of Airlines Industry for Regional Growth
Dr. Kavita Kalkoti
Human Development through Governance Initiative Case Study of
Jhansi Jan Suvidha Kendra
Dr. Preeti Tripathi
THEME III: REGIONAL GROWTH POLICIES AND
INCLUSIVE GROWTH
Regional Growth Policies and Inclusive Growth
Dr.Kala Seetharam Sridhar
The Problem of Regional Inequality In India And The Role of
Government
Mr. Patil Mahesh Krishna
Reviewing Microfinance-Growing Concerns
Ms.Jasbir Kaur Sodi
Inclusive Growth And Sustainable Development A Paradigm Shift
Dr. Divya Nigam
Drinking Water Supply In The Vaitarna Basin- A Micro Level Regional
Study.
Dr. Minal Parab
An Impact Analysis Of Swarnjayanti Gram Swarozgar Yojana (SGSY)
Ms.Hema .P. Mehta And Dr.V.M.Ingavale
Regional Planning: Creation of New (36th) District Palghar in
Maharashtra
Dr. Rekha Gore
Rajiv Gandhi Jeevandayee Arogya Yojana: access to universal health
insurance for BPL families?
Dr.Vinita Pimpale Ms.Sudarshana Saikia

Page No
2
3
7
12
17

24
25
31
36
39
45

52
53
59
63
69
74
81
84

Paper 1
Paper 2
Paper 3
Paper 4
Paper 5
Paper 6
Paper 7
Paper 8
Paper 9
Paper 10
Paper 11
Paper 12
Paper 13
Paper 14
Paper 15
Paper 16

THEME IV: SUSTAINABLE DEVELOPMENT

Sustainable Development
Dr.Ritu Dewan
Sustainable Rural Development By MSS In The Backward Districts Of
Vidarbha Region, Maharashtra: A Case Study Of Anandwan
Ms. Kranti Ukey and Mr. Kapildeo Undirwade
A Study Of Organic Farming For Sustainable Agricultural Development:
Opportunities & Challenges.
Dr. Sangeeta C. Acharya
Sustainable Tourism Practice And Awareness Of Sustainability In India
Ms. Jayeeta Datta
Smart Cities For Sustainable Urban Development
Dr. Kashmira P. Mody
Sustainable Development in the Financial Sector
Mr.Kunal Soni and Ms. Swati Surya Narayanan
Sustainable Tourism Development In Konkan
Mr. Iyer Srinivasan.B.
Responsible Tourism For Sustainable Development: A Case For
Ratnagiri District.
Mr. Koustubh Joshi
Sustainable Development in the District of Ratnagiri through Energy
from Natural resources and Solid Waste
Mr. S.Natarajan
Sustainable Development
Dr. Mrs. Chandra Purkayastha
Sustainable Regional Energy Development In India
Dr. Hetal B. Chokshi
A Study on Destruction of Mangroves in Mumbai
Mr. Vinod H. Kamble
Paradoxes And Possibilities Of Developing Sustainably
Ms. Chandani Bhattacharjee
Sustainable Development With Special Reference To India
Dr.(Mrs.) Medha. J. Gupte
Sustainable Development A Case Study of Vasai Taluka, Palghar
District
Ms. Nilima C. Bhagwat
Sustainability reporting Practices by Banks in India
Ms.Vaibhavi Nilesh Dalvi
Green Banking And Sustainable Development In India With Special
Reference To Mumbai
Mr. Kunal B. Soni and Dr. T. P. Ghule

94
95
100
104
107
111
115
119
122
126
130
136
140
144
148
152
160