In this issue we have covered articles on Incentive schemes for growth & development of MSME sector and their effectiveness - Kalicharan Das; New Umbrella Entity - A boon for retail payment system - Prabhat Singh Suman; Development of Finance Institution - The Way Forward - Alekh Kumar Sahoo; Artificial Intelligence - Dhanya M; Central Bank Digital Currency - The Future of Money - Rohit Narain Singh; Corporate Social Responsibility  - Tool for nation building - Lalit Kumar & Sunil Kumar.   We have covered news on Banking, RBI, Industry, Mutual Fund and Co-Operative Bank News.      Besides it covers other interesting features.