KUMAR, A., YADAV, P. and Dr. Vaibhav (2026) “Decoding India’s Lean–Green Financing Architecture for MSMEs: A Scheme-Wise Descriptive Analysis of Credit Flows, Sustainability Incentives, and Policy Alignment”, Account and Financial Management Journal, 11(1), pp. 4137–4147. doi: 10.47191/afmj/v11i1.16.