**Abstract**

Decades of ill-agricultural practices associated with emerging risks of climatic changes have been degrading the ecosystem with immense stress on the soil health, crop productivity. Arbuscular mycorrhiza (AM) form advantageous symbiosis between plant roots and specialized soil fungi that is rampant in natural habitats. Studies show that the elevated AMF indicated good soil health, high crop turnouts benefiting the Agriculture and other industries. AMF dependent on plants for sugars, while offering benefits like intact binding of soil particles, biomass increase, improvement of waterholding capacity, replacement of harmful chemicals, increased intake of phosphorous, zinc and other nutrients, drought and salinity tolerance, carbon sequestering in soil and protection from nematodes and other predatory insects. AMF are best candidates as bio-fertilizers and this review will explore their beneficial interconnections.

**Keywords:** arbuscular mycorrhizal fungi (AMF), bio-fertilizers, phosphorous, drought and salinity tolerance, nematodes
