In this issue we have covered articles on Roadmap for Agricultural Sector in India - Karanbir Singh; Empowering msmes: Taking the Merchant Onboarding Process Digital - Ankit Ratan; .. But Co-operatives Must Succeed - S Satyanaryana; Internal Rating Based Approach: A tool in Credit Risk Management - Ranjan Kumar Sahoo; Zed scheme for MSMEs - Jasobanta Kar; NEO Bank - Prabhat Singh Suman.   We have covered news on Banking, RBI, Industry, Mutual Fund and Co-Operative Bank News.      Besides it covers other interesting features.