Journal of Commerce, Economics & Computer Science (JCECS)

Publisher :

Prof. (Dr.) S.S. Modi

President, Inspira Research Association,

25, Sudama Nagar, Tonk Road, Jaipur - 302018

Mail Id: profdrssmodi@gmail.com

JCECS

General Impact Factor of Journal

Year JCECS
2018 2.7273
2017 2.4668
2016 2.0546

Vol. 05 | No. 01 | January-March, 2019

Title: COVER PAGE

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Title: CONTENTS

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Title: IMPACT OF PRIVATIZATION ON THE PERFORMANCE OF ANDHRA PRADESH STATE ROAD TRANSPORT CORPORATION

Authors: P.Rajagambhir Rao

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Movement of human being and material from one place to another is an essential need of mankind. Rapid growth of population an extension of economic activities stimulates the demand for transportation. Therefore, goods transport system is an essential pre requisite for the mobility and for overall development of economy. Transport system in the economy has become as blood circulation system of the human body. In general, we cannot imagine the modern economy without transport service. Transport facility is provided by different modes viz airways, railways, waterways and road ways. Road transport is the best modes of transport among all with various special features like connectivity, convenience, availability, accessibility, affordability, reliability, cost effectiveness and easy adoptability as well as flexibility of operation according to the needs of the individuals. India is the developing economy with vast area in the pre independence scenario it was absolutely Impossible to the private sector to extend the passenger transport busses according to the demand of commuters. Hence, there was a rational demand for the nationalization of passenger transport system and run under the hands of public sector.

KEYWORDSTransport, Development, Facility, Sectors, Service, Demand, Economic Activities.

Page 01-09

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Title: STUDY OF CHALLENGES AND GROWTH IN FERTILIZER COMPANIES IN INDIA WITH SPECIAL REFERENCE TO CFCL, KOTA

Authors: Dr. L C Punjabi & Khushvant Khandelwal

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India is a rapid growing country and it has a large part of cultivated land. The farmers are using natural and man-made fertilizers for improving the productivity of their farms. The present fertilizer market of India is of worth INR 4575. It is expected to grow around 13% CAGR by the year 2023.  Fertilizers are an essential requirement and it plays a key role in the success of India's agriculture growth. It is an inevitable part of our green revolution. This makes us self-reliance in food-grain production. The overall performance of the company is reflected by its share prices. It has been observed that in last year as the share market did not perform so well but the fertilizer share did very well. The demand in the fertilizer is high and the valuation of the fertilizer share values remain stable and provided a very good support at the present prices. In year 2018 the there was a rise of 2% in sales. As we are short in fertilizer supply the fertilizer companies are performing well since from their establishment. In last 5 year the value of the market price of fertilizer share is increased significantly. The share valuation depends mainly of two factors the performance of the company and the valuation of the share. The government policies also highly support the fertilizer industry and they provide special package and subsidies to the fertilizer companies looking at the interest of the farmers.

KEYWORDSFertilizers, CFCL, Book Value, CAGR, Market Valuation, P/B Ratio.

Page 10-14

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Title: HUMAN RESOURCE MANAGEMENT ISSUES IN RECRUITMENT AND SELECTION PROCEDURE: AN OVERVIEW

Authors: Prof. Jitendra Kumar

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The purpose of this study was to assess the effectiveness of the recruitment and selection practices and processes of services organizations. The need to attract and select a highly capabilities and skilled workforce in a tight and competitive market made the necessity adoption of best practices in recruitment and selection by services based organizations. The basic objective of this research is to investigate and analyze the effectiveness of recruitment & selection in public sector universities, keeping in view procedural fairness, Transparency, gender issues, Line Manager Role, HR Competency and organizational & state politics influence. Recruitment and selection had been a very key area of research among the researchers of human resource management field.

KEYWORDS: Organizational Politics, Line and HR Management, Manpower   Planning, Employment.

Page 15-18

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Title: SOCIAL MEDIA MARKETING: A GAME CHANGER STRATEGY

Authors: Prof. (Dr.) Raju Agrawal

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The Companies now days are facing major transformation in the administration and strategies of doing business due to the penetration of internet in almost every aspect of industry. The reach of products or services of any business are vast spread with the internet technology. Many platforms are now available for greater reach to customers worldwide. The social media is one of such platform. The organizations’ marketing strategy revolves around the needs, wants, desires and preferences of customers. The application of social media improves the chances of successful reach towards consumers in a cost effective manner. With the rise of social media marketing as an important domain of practice and research, a growing number of scholarly and practitioner articles have emerged highlighting best practices in social media marketing.  This paper is an attempt to draw attention to the issues related to social media marketing in various aspects.

KEYWORDSSocial Media, Marketing, Digital, Customers, Companies.

Page 19-22

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Title: PROSPECT OF GREEN TECH START-UPS THE GREEN REVOLUTION OF INDIA

Authors: Dr. Maneesha Kaushik & Dr. Ravi Kant Modi

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As the human race is rising their needs is also growing in the process of evolution technology is changing dramatically. The widespread of technology involved in human life. Technology advancement has its own advantage but using it more often may cause environmental problems. In the changing times, people are initiating to change the scenario. The humankind, these days is working in the direction of green tech revolution which incorporates  the investment asset class, technology, and business sectors  inclusive of clean energy, environmental and sustainable or green, products and services. This paper attempts to introduce the concept of green-tech start-ups; to briefly discuss why inception of Greentech start-ups is important. For a transition towards a green economy radical innovation plays a central role. Start-ups are key market actors in introduction of radical sustainable innovation, but so far there is very limited research on the specific challenges and opportunities of green start-ups.

KEYWORDSSustainable Innovation, Green Start-ups, Typology, Strategy, Finance

Page 23-26

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Title: CORPORATE SOCIAL RESPONSIBILITY: THE ANCIENT INDIAN PERSPECTIVE

Authors: Dr. Naresh Chandra Tripathi

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Corporate Social Responsibility (CSR) encompasses a wide variety of concerns such as ethical values in business, welfare of society, awareness, respect and protection of natural and built environment while it regularly takes appropriate measures to solve the problems that are faced by the society. In the Indian context, the origin of CSR can be traced in the Vedic literature. Vedic philosophy emphasises that those actions that come from the core of heart will provide long lasting results. Vedic philosophy advocates minimum material accumulation, mutual cooperation and maintenance of natural harmony. The Vedas reiterate non-centrality of money in human life, but for corporations, money is the real nerve of business system. Vedic economic philosophy is pure and focuses on prosperity for all. In Vedic philosophy as well as UNDP Sustainable Development Agenda, fairness, protection and economic efficiency have been regarded as the core issues of human development. The operational implications for this paradigm shift, however, has not yet been fully drawn in development programmes .Time has now come to take action and fully integrate the lessons from ancient Indian literature and culture with regards to CSR for practical implication of global development agenda.

KEYWORDS:  Corporate Social Responsibility, Sustainable Development, Vedic Philosophy, Culture

Page 27-32

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Title: MERGER OF BANKS: NEED OF THE HOUR

Authors: Dr. Chitra Rathore

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The banking sector holds a significant position in all economies and is one of the most fast growing sectors in India. Competition is tough. Regardless of the challenge of multinational players, national banks, both public and private, are tough in their quest for a competitive advantage by acquiring or merging potential opportunities like those offered today. As a result, mergers and acquisitions in financial sectors are a matter of the day. Commercial banks in India are undergoing drastic changes in the regulatory environment, phenomenal growth in off-balance sheet financial management tools, the introduction of e-commerce and internet banking and a significant consolidation of the financial industry. All these forces made the Indian banking sector very competitive. In this context, studying the performance of banks after integration becomes important.

KEYWORDS: Mergers, Govt. Sector, Private Sector; CAGR, Employee Productivity, e-Commerce.

Page 33-36

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Title: ROLE OF INTANGIBLE ASSETS IN CREATING VALUE FOR THE COMPANY

Authors: Dr. Jalaja.K.R & Ms. Pushpalatha.P

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The need for a new conceptual framework for the modern economy remains supreme. This paper describes role and importance of intangible assets in the growth of organization and its importance in corporate success.  It is widely accepted nowadays that since the end of the 20th century the economy has become significantly different from the industrial economy previous to the mid 20th century. This transition is the result of the vital role played by intangibles as a fundamental determinant of value creation in business world.  There is a rapid growth of investment in intangible assets.  In some cases this investment matches or exceeds investment in traditional capital such as machinery, equipment and buildings. This article discusses inclusion of intangible assets in financial statements and investment pattern in intangible assets of a company and problem of valuing intangibles for determining their value for future economic benefits of the organization and impairment of intangible assets. Intangibles are all around the business world.

KEYWORDSIntangible Assets, Impairment of Assets, Market Value.

Page 37-42

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Title: AN ANALYSIS OF INVESTOR’S PERCEPTION AND ATTITUDE TOWARDS FOREIGN EXCHANGE MARKET BASED ON THEIR DEMOGRAPHIC FACTORS

Authors: Vidhi Shah

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The foreign exchange market (Forex, FX, or currency market) is a worldwide decentralized or over-the-counter (OTC) market for the exchanging of monetary standards. This market decides the outside swapping scale also known as foreign exchange rate. It incorporates all parts of purchasing, selling and trading monetary standards at present or decided price. Regarding exchanging volume, it is by a wide margin the biggest market on the planet, trailed by the Credit advertises. Investment in Forex market is although not naïve but a systematic approach to understand the investor’s perception towards it needs to be attempted in depth. This paper aims to analyse how investors perceives forex and their attitude towards it based on the demographic factors.

KEYWORDS: Knowledge, Attitude, Perception, Forex, Foreign Exchange Market.

Page 43-48

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Title: CASH MANAGEMENT OF DAIRY CO-OPERATIVES

Authors: Dr. Kumari Soni

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An efficient management of cash is an essential requirement for the success of the enterprise. Cash is the most liquid of all current assets; its management is the most crucial. Cash is always needed, but holding of excess cash is not only unprofitable but may also lead to loss. The dairy industry is different from other industry. It plays a vital role in maintaining and promoting the health of the people. The main purpose of dairy industry is to provide milk and milk products at reasonable cost that satisfy the consumer’s needs and fulfills consumer’s nutritional requirements. So, the cash management in Dairy sector is also important aspect under working capital management .This paper presents and analyses statistically the important ratios for highlighting the cash management of selected Milk Unions of COMFED in North Bihar.

KEYWORDS: Cash Management, Bihar State Milk Co- Operative Federation Limited (COMFED), Dairy co-operatives, Cash Turnover, Milk Unions, Cash Holding Period, Quick Ratio.

Page 49-56

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Title: OVERVIEW ON GST & ITS IMPACT ON COMMON MAN IN INDIA

Authors: Dr. Madhuri P. Kamble & Prof. Nitesh U. Bhoir

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India is the center of taxes where people pay many taxes which create doubt for them.GST is termed as biggest tax improvement in indian tax structure. The purpose of GST is to restore all these taxes with only one all-inclusive tax carrying it all under single protection. The purpose is to remove tax on tax goods and service tax is an all-inclusive tax system on the production sale and use of goods and services at the national level.  GST is an indirect tax which will be the only way of   providing goods and services across the country from producer to the customer which will convert the whole country into a seamless trading. This paper shows an overview of GST concept explains the effects and impacts of GST on various aspects of our lives.

KEYWORDSIndian Tax Structure, Goods & Sales Tax and Common Man.

Page 57-60

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Title: A STUDY ON AFFECT OF TRAINING AND DEVELOPMENT ON EMPLOYEES SATISFACTION AT HDFC BANK

Authors: Pooja Kasliwal & Dr. Neha Sharma

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Training and development is urgent arranged device for upgrading worker execution and associations continue expanding preparing monetary arrangement on yearly premise with trust that it will procure them focused limit. The primary goal of this examination is to look at an effect of preparing and advancement on worker's fulfilment at HDFC Bank. Enlightening exploration strategy was received for this examination utilizing the information of 50 of respondent from representatives which were finished by banks in rural pieces of Madhya Pradesh utilizing straightforward irregular inspecting system. The information gathered was cautiously investigated utilizing clear insights to speak to the crude information in an important way. The discoveries demonstrate that solid relationship exists among preparing and advancement and representatives work fulfilment. Synopsis of the discoveries shows that there is solid connection between the tried ward variable and autonomous build. In any case, bank organization ought not surrender in their investigate and train their staff to grow new thoughts that will continue cleaning the execution and helps the work fulfilment in representatives.

KEYWORDSHDFC, Bank, Training n Development, Employees Satisfaction.

Page 61-67

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Title: THE GROWTH IN NET FLOW OF MUTUAL FUNDS: A CATEGORY WISE ANALYSIS

Authors: Himani Gupta

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This paper focuses on the net flow of mutual funds and analyses yearly growth of in different categories of mutual funds. Mutual Funds are form of trust created for the purpose of pooling of funds for varied objectives for those investors who don’t manage funds themselves rather is done by Asset Management Company (AMC). Mutual Funds are required to be registered with SEBI and is regulated under the SEBI (MF) Regulation 1996. This paper would look into the growth analysis of Mutual funds in India in different categories and the interpretation would be discussed. During the research we see that except for the ELSS- Equity Mutual Funds and ETFs (other than Gold ETFs) has consistent growth. Also, Gold ETFs and Fund of Funds Investing Overseas Mutual Funds are constantly seeing Net Outflow. Equity Mutual remains the Mutual Fund to see highest Net Inflow in terms amount followed by Balanced Mutual funds. In total the Mutual funds have seen constant growth in terms of Net Inflow except during 2017-18. Mutual Funds provide a way to the investors who earlier were unable to invest due to constraints of finance, time, or expertise can do through using Mutual Funds. The different categories provide different options depending upon the need of investors. The different categories provide different options depending upon the need of investors.

KEYWORDSMutual Fund, Investors, Categories, Net Inflow/(Outflow).

Page 68-72

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Title: SEASONAL VARIATION OF TOURISM IN RAJASTHAN AND MARGINAL SAVING TREND

Authors: Vijay Kumar & Dr. Sunil Kumar Goyal

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Industrial development is an important contributor to the development of a country. There are three pillars of economic development of any country. Also known as the three sector of economic development. These are primary sector, secondary sector and third are service sector. Tourism is big industry. Currently Indian tourist sector is increasing by 9.7% .Rajasthan is also making a lot of progress in this region. In Rajasthan the number of foreign tourist in the year 2017 has increased by 6.36%. But Rajasthan has more seasonal variations in the field of tourism. From July to September, there is an increase in the number of tourist in Rajasthan, this increase is 34% in a year. While in the other quarter, tourists come to visit a small number in Rajasthan. These reasons will be discussed in the research paper that why the number of tourists in the other quarter decreases and also find out what the impact of consumers income on tourists during this period. The primary objectives of the research paper are analysis the marginal propensity to save towards tourism.

KEYWORDSIndustrial Development, Economic Development, Service Sector, Tourist Sector.

Page 73-76

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Title: PRODUCTION AND CONSUMPTION OF INDIAN TEA: A STUDY

Authors: Dr. Anil. P V

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Among the beverages in India, tea (Camillia Sinensis) is a popular one amidst myriads population verities in India. Caffeine being the popular stimulant, tea is considered as crucial drink, much amalgamated in to the popular culture of India. The concept of ‘tea time’ has been merged in to the Indian culture right from time of British Raj who had used larger vistas of their colonial land for tea cultivation. Also, there exists a reference from ancient Indian History regarding the consumption of tea where it is used by King Harshavadhanan to keep himself vigilant in the course. There are several reasons in India for tea industry becoming one of the stale agro-based industries. In India, around one billion of its population have been estimated as tea devouring people so that the nation hardly get a chance to be an exporter as 70 percent of the total production are consumed within the state itself. No wonder India has been positioned first among the tea manufacturing countries in the world.  Indian tea factories are at the verge of my pitfalls. Early mellowing of the herbs, a hike in the production cost, unsteadiness market price etc. can be considered as some of the reasons. Earlier times, there were two successive periods in price variations one can be marked by a sudden uplifting which is comparatively shorter than the next period which is longer where just the upside down thing happens that is a depression in the price. So the futurists in this area have opinioned that the tea industry will sum up into a fluctuating trend. It is mainly because the above mentioned reasons (along with their mode of operation that is agrarian in nature, long dormancy period, unsteadiness in price value and various other minor reasons)are not showing any signs of change even to a slight degree. In this article, the researcher is indented to conduct a review of the plight of tea industries and plantations within the area of study. The study also extends into different kinds of developments, either long term or short term, in the tea manufacturing area, its consumption, and also the issues related to its export. Moreover it also deals with various studies market strategies, how a market has organized and various other factors that can be adopted for the promotion of tea.

KEYWORDSTea Production, Consumption, Gap, Market Strategies, Dormancy Period

Page 77-81

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Title: HUMAN RESOURCE ACCOUNTING: AN OVERVIEW

Authors: Rajesh Devanda

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Human resources are not yet treated as assets at par with other assets. But there is a growing opinion in favor of treating human resources at par with other assets from the financial accounting viewpoint. Though economic valuation technique is a part and parcel of human resource accounting, economic value of human resources cannot be presented in the balance sheet because it relates to probable future occurrence of earnings, compensation and some other criteria. In other words, economic value means the value of the potential services that are likely to be provided by an employee to the organization that has employed him during the probable continuance of service in the future. And probable earnings, compensation and some other criteria are considered for estimating economic value of a person. Thus the economic value is something other than the historical costs of human assets.

KEYWORDSHuman Resources, Economic valuation Technique, Human Resource Accounting.

Page 82-84

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Title: THE IMPACT OF MICRO INSURANCE ON WOMEN EMPOWERMENT IN KERALA: A STUDY

Authors: Mr. Sanoop Krishanan

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Micro insurance provides security to the low income group or poor people. It is a kind of a financial service package for poor people that cover their risks by paying a small amount of premium on regular basis. Women empowerment is serious to the procedure of development of the economy. It plays a vital position in the alleviation of poverty and in the all round progress of the nation. Among the different strategies to ensure the idea of micro-insurance assumes great importance. Though various measures are been taken by the government in empowering the women, its outcomes are not been measures mostly. Kudumbashree, is one among the many programmes on which aims towards women empowerment. This study tries to focuses on the impact of micro-insurance on the empowerment of rural people under Kudumbashree scheme.

KEYWORDSMicro Insurance, Women Empowerment, SHGs, Neighbourhood Groups (NHGs).

Page 85-88

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Title: A STUDY ON SOCIAL SECURITY IN INDIA THROUGH VARIOUS INSURANCE SCHEMES

Authors: Manish Kalwani

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Economic security, which is a vital aspect of our society, can be defined, “as a state of mind or a sense of well being by which an individual is relatively certain that he or she can satisfy basic needs and wants, both present and future”. If a person is not happy, unable to satisfy his wants, depressed, psychologically comfortable, experiencing fear etc. it means he is insecure. If large number of people are placed in this situation it certainly requires government intervention. In India the government has launched several social insurance schemes. All these have been developed and implemented through nationalized insurance organizations.

KEYWORDSLandless Agricultural Labourers and Group Insurance Scheme, Rural Group Life Insurance Scheme, Janashree Bima Yojana, Shiksha Sahayog Yojana.

Page 89-96

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Title: CASH CENTRIC ECONOMY TO A CASHLESS ECONOMY

Authors: Lalita Sejwani

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Improving Indian economy’s dependence on cashless economy is desirable for a variety of reasons like curbing corruption and improved economic performance. This article focuses on impact and importance of cashless economy and helps in understanding the Factors that determine transition to a cashless economy. This article also examines the advantages of cashless economy and efforts that government has put towards cashless economy. This article is based on secondary data collected from government reports, magazines and newspapers.

KEYWORDSCash Centric Economy, Demonetization, Digital Payments.

Page 97-100

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Title: WOMEN EMPOWERMENT THROUGH ENTREPRENEURSHIP

Authors: Archana Singh

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Entrepreneurship is the activity of establishing a business. There should be encouragement for women entrepreneurship. In TODAY’S life, Women are capable to manage any business with their family responsibility very efficiently. Entrepreneurship education should be provided to the educated or uneducated women in rural areas. Todays’s women are competing with men in every field, and women have the same courage and talent to become a successful entrepreneur, As men have. It helps to provide a respectable life to the women in society. To facilitate the women entrepreneurship, INDIAN govt. also launched various schemes such as “MUDRA” and “START-UP” to promote tiny or small business. But to take advantage of these govt. schemes, Women should be aware. So, they can utilize the opportunity for their career. In this paper we will also discuss the obstacle regarding women entrepreneurship, and how those factors can be eliminated, so that, the women position can be promoted in business world.

KEYWORDSBalanced Regional Development, Rural Sector, Women Entrepreneurship.

Page 101-104

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Title: EXPORT POTENTIAL IN RAJASTHAN: STRENGTH OF RAJASTHAN IN TERMS OF INDUSTRIAL EXPORT

Authors: Nikita Jain

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Since independence, exports have been given high priority and country has worked to achieve growth in export.  India entered into the era of trade reforms in 1991 and is moving gradually towards an open economy. The significance of export from country not only in earning foreign exchange but also provides consistent growth with some indirect benefits such as sustainable and inclusive growth for developing countries. India has diversified framework, different regions, different priority sectors and their requirements are different. Rajasthan, the largest state in geographical area terms, contributed about 2.38 % to India’s export basket. The State is abundantly rich in natural resources, has ready availability of labour pool and is also historically endowed with wealth. Clearly, the export potential of this state is yet to be fully realized.

KEYWORDSIndustrial Export, Export Basket, GDP, Macro-Economic.

Page 105-110

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Title: HRM PRACTICES AND MSMES IN INDIA: A CASE STUDY ON RANGINENI STEELS PVT. LTD. IN BALLARI DISTRICT

Authors: Mounesha K & Dr. Chalawadi C I

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The industries output is most important in production oriented firms in globalised business this is basically supported by human resource management practices of the organization, The objective of this study is to examine the HRM Practices adopted by Indian Industry in general and particularly to the study area. Its playing a crucial role in the MSMEs, study focused on effectiveness of the performance appraisal and Training Programme, The purpose of appraisal is to achieve better work performance from employees.. Training program addressing weaknesses most employees have some weaknesses in their workplace skills. It allows you to strengthen those skills that each employee needs to improve. The study is used descriptive survey research design data collected both primary and secondary.

KEYWORDS:  HRM Practices, MSMEs, Performance Appraisal, Training Program, MSMED.

Page 111-116

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Title: JOB SATISFACTION OF EMPLOYEES: A STUDY WITH SPECIAL REFERENCE TO BHARAT HEAVY ELECTRICALS LIMITED, THIRUVERUMBUR, TIRUCHIRAPPALLI DISTRICT

Authors: Ms. R. Jessi & Ms. Dr. R. Seethalakshmi

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Purpose: The purpose of the study is to know the satisfaction level of a customer through Human Resource management. The effective tools are used to find out the differences between two variables and to find out their relationship among the variables.

Design / Methodology: Data have been collected from the employees of Bharat Heavy Electricals limited (BHEL) Trichy. The data were collected with the help of structured questionnaire. Random sampling method was used in this study. 50 employees were chosen for this research. SPSS package was used for the interpretation of data.

Findings: The result of Chi–square test reveals that there is a significant relationship difference between job satisfaction and level of benefits and recognition.

 

KEYWORDSTools and Techniques, Chi–Square Test, Level of Satisfaction.

Page 117-120

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Title: A STUDY ON PROBLEMS BEING POSED BY THE ELECTRONIC BANKING- DIGITIZATION

Authors: Prakash Kalwani

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Besides equipping us with immense facilities and comforts, Electronic Banking-Digitization has posed many problems before us.

  • Problems before Accounting tasks e.g. natural problems, negligent man-made problems, fraudulent man-made problems.
  • Problem before Auditing tasks e.g. computer illiteracy, machine readability, audit trails, CAAT’s, Proper guideline, Fraud, Audit risks, I.T.expert.
  • Problems before banks e.g. window dressing, credit card Frauds, Debit card Frauds, ATM, On line banking, Mobile Phone Banking.
  • Impact of Electronic Era upon the Bank Audit e.g. sophistication, I.T. expert, Physical Verification.

KEYWORDSProgramming Loopholes, Migration Problems, Cyber Threat, System Crash, Technological Sphere, Maintenance Cost, ATM, Mobile Banking, Credit Card and Debit Card.

Page 121-125

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Title: MEASURING STRUCTURE OF PUBLIC SECTOR BANK'S PROFITABILITY

Authors: Sudhanshu Tailor

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Indian banking system is moving from the public dominated banks to the private and foreign banking. The rapid growth of the private banking has an impact over the profitability of the banks. This paper analyses the effect of emergence of new participant’s i.e., private and foreign bank entry and documents important trends and patterns in foreign banks' presence. The data collected cover the period 2015-2018 and include the complete trail of public sector bank. It was document that there has been a sharp increase in foreign bank presence in most regions over this period, with especially low and lower middle income payment banker categories have emerged in the banking of country we analyses the trend of the total income of the public sector banks. By using autocorrelation function with SPSS-19 software the results revealed that the competition with the banks has results adversely to public sector banks and they need new strategies to increase their profits.

KEYWORDSIndian Banking System, Foreign Banking, Public Sector Banks, Modern Banking.

Page 126-132

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Title: CREDIT RISK MANAGEMENT OF COMMERCIAL BANKS IN INDIA: A COMPARATIVE STUDY OF SELECTED PUBLIC AND PRIVATE SECTOR BANKS

Authors: Udhister Nagar & Dr. Mohar Singh

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Every country has to undergo from the continuous process of development. Banks play a vital role in this process. The Indian banking system has progressed as a powerful mechanism of planning for economic growth. Banks channelize savings to investments and consumption. Through that, the investment requirements of savers are reconciled with the credit needs of investors and consumers. NPAs reflect the performance of banks. A high level of NPAs suggests high probability of a large number of credit defaults that affect the profitability and net- worth of banks. NPAs affect the liquidity and profitability. The problem of NPAs is not only affecting the banks but also the Indian economy. In fact high level of NPAs in Indian banks is nothing but a reflection of the state of health of the industry and trade. It is necessary to trim down NPAs to improve the financial health in the banking system. For the study data has been collected from secondary sources. An attempt is made in this paper to understand NPA, the status and trend of NPAs in public and private sector banks of India. The factors contributing to NPAs, are the reasons for high impact of NPAs on banks in India and recovery of NPAs through various channels.

KEYWORDSCredit Risk Management, Non-Performing Assets, Know Your Customer (KYC).

Page 133-137

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Title: START-UP INDIA AND STAND-UP INDIA CAMPAIGN: AN ANALYSIS OF OVERVIEW OF PERFORMANCE OF THE MSMEs SECTOR

Authors: Dr. Rajesh Meena & Pushpraj Meena

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This paper highlights that Startup India and Standup India may be a useful theme launched by the govt. of India for the higher way forward for the Indian youths. This campaign is planned to fetch new opportunities for the Indian youths. This initiative is to market the Indian young entrepreneurs to a lot of involve within the entrepreneurship for bright future. This can be serving to Asian country to point out the Indian talent of youths through their innovative businesses all across the Universe. There ought to unfold awareness concerning this programme all told the establishments as well as Institutes for Universities, Technology, Management, IITs, analysis establishments etc so they'll be connected recover from this theme in future. This initiative is planned by the govt. to encourage Schedule Casts, Schedule tribes and women’s towards entrepreneurship. The Micro, little and Medium Enterprises (MSMEs) sector has emerged as a massively vivacious and dynamic sector of the Indian economy over the last five decades. This contributes considerably within the Indian economic and Indian social development of the country by fostering entrepreneurship and generating giant employment opportunities at relatively lower opportunity cost, next solely to agriculture. This theme is that the necessity to steer Asian country in right aspect. the foremost vital purpose concerning it campaign is that this involves Indian youths of the country as start-ups as they need fashionable mind, innovative concepts, needed strength, energy, skill, and new thinking to steer business. Indian youths square measure the energetic and extremely competent section of the society so that they square measure higher target for this campaign.

KEYWORDSEntrepreneurs, Growth, Opportunities, Empowerment, MSMEs, Entrepreneurship.

Page 138-144

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Title: A STUDY ON PRIVATE LIFE INSURANCE SECTOR IN INDIA: PAST, PRESENT AND FUTURE

Authors: Pooja Mathur & Dr. Anurag Sharma

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From the time when the privatization of the insurance sector in India has taken place, the insurance business has been seen the beginning of numerous private concerns mainly joint ventures between large foreign insurance companies and Indian diversified conglomerate companies. The insurance industry in India has recorded significant growth with increasing awareness for life insurance need after the liberalization. As per the IRDA Annual report 2017-18, 68 insurance companies are in force in India comprising 24 life insurance companies, 27 general insurance companies, 6 standalone health insurers who exclusively do health insurance business and 11 are re-insurers including foreign re-insurers branches and Lloyd’s India till March 2018. There is massive competition among insurance companies on basis of price and services to attract the customers. The industry is rigorously engaged in innovating products, strong distribution channels, public relation and promotional campaigns by the insurance companies. The opening up of sector to the private players witnessed the introduction of a number of new products and possibly the Indian insurance market is one of the fastest growing markets because of some favourable factors viz. Emerging socio-economic changes, increased wealth, education and awareness of insurance needs. This paper is aimed to examine the status of private life insurance sector of India in present scenario as well as estimating future trend of insurance business of private life insurance sector in competitive market.

KEYWORDSLife Insurance, Liberalization, Joint Venture, Re-Insurers, Socio-Economic Changes.

Page 145-151

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Title: MEASURING ASSETS QUALITY OF NATIONALIZED PUBLIC SECTOR BANKS IN INDIA

Authors: Sukhdev Dangi

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Despite of legal frame work and regulatory have been appointed still nonperforming assets (NPAs) exist. As the current period is for regaining the faith of various sectors on the banking system there is need to prepare the detailed policies in respect of NPA in different banks so that level of NPA can be doped significantly. Many of the researchers studied the related topic only on Commercial banks or separately on Private Banks. It is necessary to do the comparative analysis on all the sectors to get a fair view of these related issues. This current work is to measure the NPA’s in the public sector banks in Indian Territory by using data of five financial years i.e. from 2013-18. In this research it has been found that there is a significant correlation between total assets and NPA levels. Further it has found that means that the increase in the Gross and Net NPS is similar to the total assets changes and the level of NPA’s have not significantly reduced despite of the changes.

KEYWORDSNon-performing Assets (NPA), Commercial Banks, Public Sector Banks, Total Assets.

Page 152-156

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Title: बैंक और हिंदी का सफ़र

Authors: डॉ. सोनाली मेहता

Page 157-158

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