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Green Finance and Sustainable Development in India's BFSI Sector: Trends, Ethics, and the Future

インドのBFSIセクターにおけるグリーンファイナンスと持続可能な開発：動向、倫理、未来 (AI 翻訳)

Gupta, Anuj & Sara

Zenodoプレプリント2026-06-07#green_finance
DOI: 10.5281/zenodo.20575053
原典: https://zenodo.org/records/20575053
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🤖 gxceed AI 要約

日本語

インドのBFSIセクターにおけるグリーンファイナンスの進展を分析。気候変動対策としてのグリーンボンドやESGファンドの役割、AIやブロックチェーンの応用を検討。規制の重要性と課題（データ品質、グリーンウォッシング、資金ギャップ）を指摘。

English

This paper examines green finance trends in India's BFSI sector, highlighting the role of regulators (RBI, SEBI), green bonds, ESG funds, and technologies like AI and blockchain. It identifies challenges in data quality, ethical governance, and funding gaps for climate adaptation and MSMEs.

Unofficial AI-generated summary based on the public title and abstract. Not an official translation.

📝 gxceed 編集解説 — Why this matters

日本のGX文脈において

インドのBFSIセクターにおけるグリーンファイナンスの事例は、日本の金融機関がSSBJ対応や統合報告書作成を進める上で参考になる。特に新興国市場でのグリーンボンド拡大と規制枠組みの比較は示唆的。

In the global GX context

India's green finance evolution offers comparative insights for global markets, especially on integrating ESG into banking regulation and overcoming funding gaps for small green projects. It highlights the shift from CSR-driven to structured green finance.

👥 読者別の含意

🔬研究者:Provides an overview of green finance trends in India's BFSI sector, useful for comparative studies on ESG adoption in emerging economies.

🏢実務担当者:Corporate sustainability teams can learn about green bonds, ESG funds, and regulatory approaches applicable to Indian operations.

🏛政策担当者:Regulators can note the RBI/SEBI role in promoting green finance and the need for better data quality and anti-greenwashing measures.

📄 Abstract（原文）

The Banking, Financial Services and Insurance (BFSI) sector in India has evolved significantly in the past 10 years, particularly with cleaner balance sheets, digitalization and broader financial inclusion. However, the industry is currently confronted with emerging challenges associated with climate change, cyber threats, which increases the need for a more inclusive and sustainable system for the Indian BFSI Sector. This article examines the role of green finance in the Indian BFSI industry and its ability to serve both economic and environmental objectives in the long term. It examines the place of regulators such as the RBI and SEBI, the emergence of green bonds, green loans, ESG funds, and the application of technology such as AI, fintech, and blockchain. The paper also contrasts the public and the private sector banks to know how green banking programs are being put into practice. Although India has achieved a lot in such aspects as financing renewable energy and sustainability reporting, significant gaps are still present, particularly in financing climate adaptation, MSMEs, and smaller green projects. The paper concludes that green finance in India is transitioning to a more organized concept, rather than a CSR-driven concept, but challenges such as data quality, ethical governance, greenwashing, and funding gaps still hinder the process. On the whole, the analysis demonstrates that green finance can be one of the major drivers of sustainable development in case it is reinforced with more effective regulation, the use of better technology, and inclusive financial policies.

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