Prime Minister Modi’s ‘Digital India’ dream is rolling out in full swing as digital payments in India double in a year and the country maintains its position as a world leader in real-time financial transactions in the current year as well.

Celebrated Astro Strategist cum Business Astrologer Hirav Shah who has created a niche for himself in the fields of Corporate Businesses, Politics, Sports, Entertainment industry, Tourism and Hospitality, Real Estate sector and many other areas with his impeccable understanding of business ethics and astrology to create unique strategies that have been helping the global entrepreneurs to achieve their results sooner and in a much better way. He recently spoke about the digital revolution going on in India for the past few years.

According to Hirav Shah, while the volume of real-time transactions doubled this year, the value of transactions grew by 80%. With new initiatives in the pipeline, India looks set to remain the real-time payments capital of the world, Hirav Shah added.

To bring the poor, and particularly women=which represents Venus=Number 6, into the banking fold, the government announced a major scheme called Pradhan Mantri Jan Dhan Yojana in August 2014(=which adds to 7=Ketu) as a national mission for financial inclusion.

For the digital world you need major influences of Mars, Moon and Mercury and partly Venus on the mind of people.

As per Numerology, the Year 2020 adds up to the number 4 (2+0+2+0). Number 4 is ruled by the planet Rahu which is powerful and known to cause sudden changes in foundations and extensive effects through various fields like Occult sciences, Politics, Environment, etc. The transit of Jupiter on November 20, 2020 and combination of Saturn in Capricorn, Rahu in Taurus will lead to a plethora of effects on the digital world in the remaining months of the financial year 2020-21.

2021 adds to 5 and 2022 adds to 6 which is ruled by Mercury and Venus respectively.

So 2021 and 2022 will lead to make the digital world better.


  • PMJDY, along with Aadhaar card and a major push for digital and real-time payments is continuing to play a vital role in promoting financial inclusion and wider engagement with rural communities
  • While Jan Dhan accounts have become the default channel for delivery of digital and real-time financial solutions to rural communities, the UPI has done more for digital India and financial inclusion than many other standalone projects
  • “COVID-19 could be the “demonetization moment” for digital services delivery in India, but while there is still a difference in adoption between urban and rural communities, the growth of digital payments has been driven by increasing financial literacy, convenience, robust digital infrastructure, etc, he further said.
  • After the coronavirus pandemic hit India, businesses across the country realized the need for including digital services into their businesses. Consequently, companies are rapidly investing in digital technologies to stay afloat during challenging times. “
  • Meanwhile, six other countries also saw their real-time payment transactions growing more than double on-year, while four saw at least a two-fold increase in transaction value. However, in terms of the growth rate, Bahrain topped the list with 657% growth, followed by Ghana clipping at 488%, the Philippines growing at 309%, Australia at 214%, and Poland at 208%. India’s growth rate was 213%.

Hirav Shah adds, “Two years after the government announced the National Digital Communication Policy in September 2018 which adds to 11=Moon, its targets to make the “Digital India” vision a reality are faltering. At the core of the plan was broadband connectivity to all through a combination of fiber and building a wifi hotspot ecosystem.” Moon helps to connect with the mind of the people. It also helps to connect with daily needs of the people. Moon with Mars can help better transform the world.

He also informed, “To achieve that, the policy targeted deploying over 5 million public wifi hotspots by 2020, and to double that by 2022. After two years, only 6% of the target has been achieved with 306,000 hot spots in the country.”

Challenges for the Future

Hirav Shah says, ‘Being the world’s fastest-     growing economy, India’s main challenge is to guarantee the smooth distribution of that growth over income levels. Digital technology gives the highest potential for decreasing the gap between wealthy and poor customers.

Hirav Shah says, “What we see are the real changes that the digital revolution in India is holding on the economic growth of the country. If this remains, India should view a notable reduction in overall poverty rates accompanying economic development.”

“Looking forward, the combination of Saturn and Jupiter is considered an opportunity for a fresh start, particularly related to science, technology, and innovation. It is a perfect time that wants to understand systems so that it can innovate in the most intelligent and effective way possible. 2021 and 2022 can be that period of change. Mercury and Venus will play a major role in transforming the economy.

“Ultimately, astrology suggests there might be change on the horizon. “It is the end of one cycle and the beginning of another—a cause for hope, but a hope based on our willingness to participate in recreating our world,” Hirav Shah concludes.