Journal Issues

Abstract
In the year 2016, Indian Government implemented demonetization by making Rs. 1,000 and Rs.500 was no longer a legal tender in order to curb black money and during 2017 it also brought GST to reform the taxation system in India. These economic measures shacked the entire economy and tourism sector bagged up with a polarizing impact with it. This study undertakes the impact of demonetization and GST on the Indian tourism sector through the Foreign Tourist Arrivals (FTAs) pre and post implementation of these measures. While considering the demonetization, it has reduced the growth rate of FTAs in a declining manner as an immediate effect but, considering a year later it has been improved up to 14.4% in November 2017 as compared to that November
2016. On the other hand, GST has improved the FTAs from July 2017 to December 2017 when compared to previous six months of 2017.
Keywords: Goods and Service Tax, Foreign Tourist Arrivals, Demonetization, Indian Tourism

Abstract
Human Resource Management plays a vital role for the existence and survival of any industries. An attempt has been made to understand whether the existing human resource practices are much enough to enhance the potentiality of the employees and increase the productive performance of the power generation units with the special reference to Tuticor in Thermal Power Station (TTPS) and Ind- Barath Thermal Power Station, (IBTPS). The researcher came to the conclusion that there were a number of factors which were quite enough to undertake a
detailed research study on human resource in Power Generation Units. Based on the significance of the problem, the researcher had chosen the topic ‘Attitude of employees towards Human Resource Practices in PowerGeneration Units’ for his research study. For the purpose of the analysis, 86 employees are selected as sample respondents. Proportionate stratified random sampling method is used for selecting the sample respondents for collecting the data. It is found that there is a significant relationship between the age groups of employees of power generation units in Tuticorin district and their level of satisfaction towards human resource practices.
Keywords: Human Resource Practices, Power Generation Units, Tuticorin Thermal Power Station and Ind- Barath Thermal Power Station

Abstract
Limits to growth and Limitless growth are two opposing paradigms. Earth summit 1992 has synthesized these two opposing paradigms through the concept of sustainable development and assured us about „our common future‟ - sustainable future which assures us at least: Sustained total utility for all and intergenerational equity. Thus
sustainable growth is inevitable for inclusive growth. This paper discusses the concept of sustainable development and related concept of sustainability. It also deals with the constraints as well operational issues in the context of individual country and guiding principles for planning, programming and implementation of sustainable development programs. Obviously these principles can be meaningfully employed in economic growth model for Indian economy for Sustainable future.
Keywords: Sustainable development (SD), Weak and very weak sustainability (WS & VWS), Strong
and very strong sustainability (SS &VSS), Operational principles for sustainable development planning

Abstract
Limits to growth and Limitless growth are two opposing paradigms. Earth summit 1992 has synthesized these two opposing paradigms through the concept of sustainable development and assured us about „our common future‟ - sustainable future which assures us at least: Sustained total utility for all and intergenerational equity. Thus sustainable growth is inevitable for inclusive growth. This paper discusses the concept of sustainable development and related concept of sustainability. It also deals with the constraints as well operational issues in the context of individual country and guiding principles for planning, programming and implementation of sustainable development programs. Obviously these principles can be meaningfully employed in economic growth model for Indian economy for Sustainable future.
Keywords: Sustainable development (SD), Weak and very weak sustainability (WS & VWS), Strong and very strong sustainability (SS &VSS), Operational principles for sustainable development planning

Abstract
This paper is a purely theoretical analysis of social justice. Social justice is a norm placed on the ethical behavior of men in society. Democratic societies like ours adopted it and efforts are being made to attain it by constitutional provisions and planned practices. But, inadequacy towards social justice reflected with prevailing miserable life and
poverty of masses in India. A number of scholars and philosophers contributed in literature on social justice. In spite of these the state of social justice needs a scientific treatment wherein it has to be assessed and the same would be implemented to uplift downtrodden and weaken sections of India

Abstract

Foreign Direct Investment is the form of controlling ownership in a business enterprise in one country by an entity based in another country. Investment can be made in number of ways either by setting up subsidiary in the host country or by acquiring shares of an overseas company or through a merger or joint venture. FDI is an investment involving transfer of assets including financial capital, advanced technology, management practices, know how etc. as well as provides solution to the economic problems of developing countries and promotes host countries economic growth. India is the third most attractive FDI destination in the world. It provides enormous  opportunities for foreign investment. FDI in India has supported in achieving its financial stability, growth and development India has occupied the 5th position in the category of most attractive location of global FDI. Mauritius is the major investing country in as nearly 40 per cent of FDI inflows came from Mauritius. The other major investing countries are USA, Singapore, UK, Netherlands, Japan, Germany, Cypress, France and Switzerland.
Directing our attention towards the major cities that have been receiving major share of FDI inflows, it is noticed that it is concentrated around two cities
i.e., Mumbai and New Delhi.

Abstract
Health insurance has become a necessity for every individual in India. It provides risk coverage against expenditure which is caused by unforeseen medical emergencies. Today, when the medical inflation rates are so high, failing to hold an adequate health cover can prove costly. However, the awareness about health insurance is on the rise
in urban India. There are total 24 companies providing health insurance in India. They provide health insurance products such as med claim, topup plans, hospital cash benefit, critical illness and accidental death and disability cover. The present paper focuses on health insurance business in India. It analyses the premium collected, the
number of policies issued, number of persons covered under various classes of health insurance business and net incurred claims ratio in health insurance industry by using the financial tools such as averages, ratios etc. the paper concludes that the public sector general insurance companies have larger market share in health insurance
premium, the number of persons covered and Net Incurred Claims ratios are higher in government sponsored health insurance schemes among the various classes of health insurance business in India.
Keywords: Premium, RSBY, Net ICR, Public Sector, Private Sector, Stand -alone Co

Abstract
Competency is the potential of an individual developing behavior, sufficient for the job requirements governed by parameters of the organizational climate in achieving desired results. The competency mix is composed of Knowledge, Skills, and Attitude. The competencies are classified into two categories namely Core Competencies and Professional Competencies or functional competencies. Competency mapping recognizes the competency of an individual or group of individuals about job requirements. Competency mapping envisages development and sustainability of competency, based on the changing organizational needs. For current research four private sector banks namely HDFC Bank, ICICI Bank, Kotak Mahindra Bank, and Axis Bank were selected. The simple random convenience sampling method was adopted. The data were collected 50 respondents from each bank. Altogether 200 samples collected from all the four banks. The study found that majority 55.5% of the respondents are having a high level of competency mapping. Also, the factors of competency mapping namely Relationship management,
Communication, Task proficiency, Leadership, and Adaptability significantly is influencing towards the job performance among the employees selected private sector banks employees in Chennai city. The study also determined that there is a significant correlation between competency mapping and job Performance among the employees of selected private sector banks in Chennai city.
Keywords: Competency, Mapping, Banks and Performance

Abstract
Banks have been playing a significant role in determining the speed and nature of economic progress in India. Banks reallocate funds from savers to borrowers and thereby finance economic growth. At the time of independence, India had a well developed banking system with nearly 650 banks mainly catering to the needs of industries. However its activities were mainly concentrated in urban centers. The nature and working of these
banks gradually changed in course of time. Nationalization and financial sector reforms were  important milestones that determined the evolution of present banking system. After the nationalization of Reserve Bank of India and Imperial Bank, fourteen major banks with more than Rs 50 crores were nationalized in 1969. Six more scheduled
commercial banks were nationalized in 1980. The banks had expanded their business and increased their number of offices. However these banks were not serving the public interest and failed in providing credit for the deserving. Instead they were acting as tools in the hands of big corporate. It was under these circumstances banks were nationalized. However, reform measures initiated during 90s made revolutionary changes in the banking sector. The recommendations of Narasimham Committee deserve special mention. Reforms touched almost all aspects of banking activity. Banking activities spread far and wide which gave impetus to almost all sectors of the
economy. However the industry is now struggling hard to address the problem of large non Performing Assets (NPA). Mounting NPAs is a matter of serious concern for most banks especially Public Sector Banks (PSB). NPAs erodes away the capital and profitability of these banks.

Abstract
Financial distress is a situation where a company is not able to meet or face difficulty to pay off its financial obligations. According to RBI’s definition negative working capital, cash loss and negative net worth are the factors influencing Distresses. There are lots of causes of corporate failure which includes Profitability, Liquidity and solvency complications. Capital structure decisions involve selecting an optimum mixture of debt and equity. In this article focused on capital structure of financially distressed and non-distressed stages of Kerala State Public Sector Undertakings under Chemical sector.
Keywords: Financial Distress, capital structure, cash loss, total debt capitalization, SLPEs etc.

Abstract
ATM is convenient and time saving to use as it acts like“mini bank”providing cash to the needy customers at anytime, anywhere whenever and wherever there is an ATM counter. ATM means neither “avoids traveling with money” nor “any time money,” but certainly implies both. Slim ATM cards are fast replacing confounding withdrawal forms as a convenient way of getting your money from banks..The proposed study reveals that the customers are aware about the Cash withdrawalservices of ATMs. Balance enquiry service is ranked on second position on awareness scale. In the same manner customer prefer ATMs for withdrawal purpose while second
preference is given to mini statement facility. The awarenesslevel about ATM services is very low to the rural customers.Automated teller machines (ATMs) were the first well-known machines to provide electronic access to customers. The present proposal of the studythis paper to find out the impact of ATM on customer satisfaction. This is a comparative study of two banks i.e. Private sector banks and Public sector banks in TamilNadu. The objectives of the present research to find out Whether private sector banks or Public sector banks are providing more satisfactory ATM service . To also find out the Empirical evidences to the customers perception

Abstract
Employee engagement and its antecedents have been vigorously discussed in the academic literature over the years; however its differential effect in the public and private sector companies is yet to be deliberated from an organizational perspective. However employees are the major contributors and beneficiaries of the society it is
imperative to study the attributes of employee engagement which is a multi faceted concept. Incorporating the theoretical underpinnings from the theories of leadership and theories of motivation, the study identified the most important drivers of employee engagement and their importance in public versus private sector companies in Kerala that restore retain and remains the human capitals within their organization. The hypothesis postulated, analysed the positive impact of antecedents on employee engagement by using a psychometric questionnaire. A total of 800 sample respondents were considered for the study from the manufacturing and service sector companies in Kerala. The results showed that there is a positive impact of antecedents on employee engagement.
Keywords: Employee engagement, Antecedents of Engagement, Human Capital, Manufacturing Industry, Service Industry

Abstract
Financial Inclusion (FI) plays a very vital role in the growth of Indian Economy. Financial inclusion is the delivery of financial services at affordable costs to various sections of the society. It is an essential tool through which goals like sustainable economic development, social development, and empowerment of under privileged can be achieved. Financial inclusion educates the vulnerable groups of the population as financial literate. This study focuses on the level of awareness on financial inclusion through banking services among the rural people. This study has been conducted in select rural areas in Cheyyar Taluk. Primary data were collected through structured interview schedule. The required secondary data were through E-Journals, articles and books. Convenience sampling method is used for the study. Percentage Analysis, ANOVA, Chi-Square, Cronbach's Alpha, and Factor
Analysis are the statistical tools applied to interpret the results. The research has revealed that there is limited access to banking services and loan facilities in the rural areas. The study has also concluded that the level of awareness should be increased, to have more access in baking services and to avoid the dependability on access to ATM’s, internet banking and to filling up of the bank forms.
Keywords: Financial Inclusion, Awareness of Banking Services, Banking Charges, Bank Loans

Abstract

The insurance business supports much business. It allows a company to embrace risks and concentrate completely on its growth all the while being rest assured that there are Insurance  companies to take care of adversities. Growth of Insurance Industry in a country directly points out to the fact that people have belief in the Insurance
business model and that they are ready to undertake  more riskier business propositions. Majority of the non personal lines of insurance consists of Fire, Engineering, Marine Cargo, Marine Hull and Aviation. The others like Motor, Health and other Miscellaneous like personal accident, travel etc are personal lines. General Insurance companies like New India Assurance, Oriental Insurance, United India Assurance and National Insurance Company
have ruled the Indian Insurance market for many decades. Post entry of private and foreign insurance companies, the growth of public limited insurance companies was on radar. The paper tries to throw more light on the growth fall of these non personal lines of insurance.

Abstract
The word Brand is derived from the word ‘Brander ‘which means to burn while a product is a physical entity that lives in the real world, a brand is a perceptual entity that lives in the consumer’s mind. Patanjali Ayurved Kendra Ltd
was founded by Swami Ramdev and Acharya Balakrishna on September 27th, 2007. It started its operation in Katmandu, Nepal to provide holistic, natural and effective ayurvedic treatment. From animal trail to human trail, there will be an intense process of research. Any medicine will be first tested in the laboratory, then it will be used on rats and rabbits and after their successful use of animals it will be used on humans. They feel that the Patanjali brand is natural, environmental friendly, health friendly, produced with latest technology and most important it is Indian brand. All class of people is being succinct by the Patanjali Brand Irrespective of their deeds because
of having a higher grade quality hand with hand in pricing also. A well connected marketing is their memorably for their success

Abstract
Lack of access to productive resources, lack of skills due to lower levels of literacy and formal education, lack of access to labour as a result of norms of gender hierarchy and separation and lack of access to markets along with heavy dependence on informal sector lending, left the poor especially the women folk at a disadvantage.
The provision of sustainable access to financial services, now known as Financial inclusion for women therefore, became the centre of attention of governments, social partners, civil society organizations, international donors. that led to the innovation of microfinance mechanisms. The present study is an attempt to assess the Impact quality, efficacy, and value of Microfinance programme, as it is currently carried out, to monitor the ongoing process and to examine to what extent Microfinance has led to Saving Mentality in rural women of Kerala and Tamil Nadu leading to economic upliftment and empowerment.
Keywords: Financial inclusion, Economic Empowerment, Rural women, Kerala, Tamil Nadu

Abstract
Organizational climate is the thoughts and feelings of employees towards their organization which has great influence on their working means and contributions and it affects the performance of the employees in any kind of organization. The faculty members with high quality, adoptability to changes, team work, high level of motivation, involvement with professional values and open to personal growth compose the most crucial resources of business schools. The results indicate that there is significant difference between socio-economic status of faculty members and organizational climate in business schools. The organizational climate dimensions of work environment, respect, innovation, motivation and reward are moderately and positively correlated with job performance of faculty members of business schools. To improve organizational climate in business schools, business schools must have adequate innovative plans for future development and methods of working should change very quickly to meet new conditions. The senior faculty members in the business schools should help junior faculty members to perform their job well and the business schools must improve the self image and provide opportunities for personal growth and development of their faculty members.
Keywords: Business Schools, Job Performance, Organizational Climate

Abstract
Day after Day, India is still in the near the beginning stages of Banking growth and development. The changes in technology and lifestyle in the last 10 years have changed the face of Banking. This study aims to identify the
important determinants of ATM, NEFT, Mobile Banking RTGS, particularly with respect to Internet. The different technology SEM models are discussed thoroughly in the literature review to explain the various stages. This research work aims at investigating the technology acceptance with SEM model. This research extended the SEM
model to account for the online behavior. A restrict research methodology was used to test both original and developed hypotheses, the results show that quality and effort expectancy. Discussion, conclusion, and further research area are provided based on the results of the research.
Keyword: Banking Innovative New Services, 4A’s., ATM, Internet banking, Mobile Banking NEFT, RTGS.

Abstract
The focus of this paper concerns a study of the quality of life for the employees at work in the Information Technology companies. The quality of work life (QWL) is a wide term covering an immense variety of programme, Techniques, theories and the management style through which organization and jobs are designed so as grant
employees more responsibility and authority than is usually done. A high quality of work life is essential for the organization to continue, to attract and retain employees. The aim of this paper is to determine the factors affecting quality of work life of the employees in the Information Technology (IT) companies and to study the relationship between the satisfaction and performance level with the quality of work life (QWL). In the present study the investigator has chosen the Information Technology (IT) companies in and around of Chennai, based on the questionnaire with the employees in the organization, a pilot study was conducted in the total sample (N=30 ). The factor contribute to quality of work life includes Work relate pressure, Leadership, Management Policies,
Job security, Inter- personal relation.
Keywords: Quality of Work Life, Work Relate Pressure, Leadership, Job Security.

Abstract
The concept of women’s empowerment in the social, political, and economic order as a prerequisite of human development is hardly given the priority that it deserves. The welfare approach introduced in the 1950s and followed through the 1950s may be considered the earliest policy approach concerned with women in developing countries. This approach to women focuses mainly on their productive role, on the basis that poverty alleviation and the promotion of balanced economic growth require the increased productivity of women in low-income households. Microfinance could be a solution to help them to extend small loans to run their micro enterprises. Women in rural India who were living in stark poverty have been able to change their lives, enhance their levels of income and could empower themselves with the help of microfinance given through SHGs. The benefits are not merely economic; they have also helped the women gain qualities of leadership, attain self confidence, economic self-sufficiency, self respect and concentrates on capacity building among women. The women undergo training programmes and discuss various issues that concern them and their village. Microfinance can primarily strengthen political empowerment through two mechanisms. First, if microfinance improves the economic and the social conditions of the poor, the poor’s political empowerment will consequently rise due to an increase in their self-efficacy. Second, in addition to increased self-efficacy, microfinance Can also increase the social capital in a society, which then improves individual’s access to political information and capacity to participate in politics.
Keywords: Micro Finance, Women Empowerment, Development.

Abstract
Recruitment is an important part of an organization’s human resource planning and their competitive strength. Competent human resources at the right positions in the organisation are a vital resource and can be a core competency or a strategic advantage for it. Hence recruitment has proved to be inseparable part of HR. Recruitment acts as a link between the employers and the job seekers and ensures the placement of right candidate at the right place at the right time. Selection is the process of picking individuals who have relevant qualifications to fill jobs in an organization. The basic purpose is to choose the individual who can most successfully perform the job from the pool of qualified candidates. This project is entitled as “A study on Recruitment and Selection at M/S Lucas- TVS Ltd, Puducherry”. Recruitment is the process of searching the candidates for employment and stimulating them to apply for jobs. Selection is the process of picking individual who have relevant qualification to fill jobs in the organisation. This project focuses on finding the effectiveness of present recruitment and selection process and the various factors involved in recruitment and selection process of Lucas- TVS Ltd. A well-structured, non-disguised questionnaire was used to collect the data regarding recruitment and selection from the employees of the organisation. The statistical tools like cross tabulation and correlation are used for analysis. It is found that the present method is effective. Accessing candidate behavior for the job fit, using internet and using advertisement in newspaper as a source of recruitment might help in more effective recruitment & selection at Lucas – TVS Ltd.

Keywords: Recruitment and Selection, Strategic advantage, Accessing candidate

Abstract
One of the key developments in marketing has been the advent of electronic customer relationship management (e-CRM) systems, designed primarily to create and manage long lasting customer relationships. To remain competitive in this internet based environment it is imperative to attract new customers and increase customer’s retention and to achieve these objectives it is crucial to implement e-CRM. The study was aimed to identify the effect of e-CRM strategies on customer satisfaction in context of online shopping. This study is based on 150 respondents and analysis confirms the conceptual model that convenience, trust and security have significant
effect on customer satisfaction. This study enables managers and marketers to implement the e-CRM in the best shape and match it with current needs and requirements of consumers. The conclusions suggest that if organizations want to get the most from their e-CRM implementations they need to revisit the general principles of usability and resistance which should be applied thoroughly and consistently.
Keywords: Customer Relationship Management (CRM); Electronic Customer Relationship Management (e-CRM); e-Commerce; Customer satisfaction

Abstract
Banking sector plays an important role in the development of an economy. Any problem in this sector will often extend to real sector. Assets quality was not a prime concern of the banks till 1991. Banks mainly focused on expansion, development of rural areas, priority sector lending etc. But now the prime challenge is mounting pressure of NPAs. NPAs engulf the public sector banks as well as private sector also. It not only affects the banking sector but the whole economy as well. Banks often lean into the risk free investment that is not conducive for the growth of economy. This paper studies the trend of NPAs of leading private sector banks and suggests measures
to minimize it.
Keywords: Gross NPAs, Net NPAs, Provision, Net profit, Private sector Banks

Abstract
Bharath Gas is a clean and portable fuel. It provides heat and power in remote areas as well as in densely populated urban areas. The Bharath gas company reforms have deregulated the market to a great extent. It has become necessary to design and execute the best customer oriented practices and to internalize them for providing enhanced satisfaction to the customer through the employees. Customers’ service is not merely the compliance with the government’s policies or the mechanical adherence to the time frame of services. It is a philosophy and an attitude of professional commitment, which believes in the ultimate satisfaction or each customer ‘wants’. Service marketers have really understood that competition can be well managed by differentiating through quality. Significance of service lies in customer service management. In this the completive
environment, service quality has become the success mantra in all service sector. Keeping this in mind, this study has been conducted at mettur down to identify the service Quality perceptions of Bharath gas. The result indicates that customers are agreed with the service provided by the Bharath gas.
Keywords: Services, Perception, Quality, LPG

Abstract
After liberalization, Indian economy has created considerable employment opportunities for women, who possess management skills and talent. Today women form an important part of the Indian workforce. This is a positive development that women are making their presence felt in different walks of life. But despite working in an organization, women still manage the house. The demand at work place as well as at home, the work life balance of women employees has been at stake. Different factors affect work life balance and one set of factors could be demographic variables. The present study is undertaken to determine the relationship between the demographic variables and work life balance of women employees in IT sector with reference to Chennai, a metropolitan
city of India and a sample of 90 employees is chosen using stratified random sampling method. The hypothesis is tested using chi-square test and it has revealed that there is significant relationship between demographic variables and work life balance.
Keywords:  Work Life Balance, Women employees, IT Sector, Demographic variables.

Abstract
The history of commodity derivative market in India dates back to the ancient times, but the first organized market was established in 1875. However, by mid 1960s government took a drastic step by banning derivatives trade altogether. The commodity derivative market remained virtually absent in next four decades and it made the restart only in early 2000s. Since its reintroduction is thriving and the current trend shows strong growth potential of the market, although, the actual growth trajectory will depend upon the attitude of the policy makers and the efficiency of the regulatory mechanism. The development of the crude oil refining industry and the internal combustion engine has influenced each other during the 20th century. This study focused on the performance of
crude oil commodity futures market in MCX in India. India, like many other developing countries, is a net importer of energy; more than 76 percent of crude oil is being met through imports. But the Total value of crude oil trade in 2017 was 106550844.32
Keywords: Futures contracts, Crude OIL Commodity, Multi Commodity Exchange, Trading Years

Abstract
This paper investigates the nature and characteristics of stock market volatility in India. The volatility in the Indian stock market exhibits characteristics similar to those found earlier in many of the major developed and emerging stock markets. Various volatility estimators and diagnostic tests indicate volatility clustering, i.e., shocks to the volatility process persist and the response to news arrival is asymmetrical, meaning that the impact of good and bad news is not the same. Suitable volatility forecast models are used for Sensex and Nifty returns to show that: In this paper the researcher analyse the NIFTY 50 spot market daily price compared to Index options Nifty 50 at NSE market for the period of 2011-2015 (5 years). There is a mixed evidence of return and volatility between the Nifty spot and options in the Indian market of NSE. Empirical application of Nifty 50 at NSE volatility rate of return
demonstrates through the GARCH model.
Keywords: NIFTY 50, Options data, ARCH, GARCH, and NSE.

Abstract
Siddha medical system doesn’t consider treatment and prevention separately. The main aim of this system is prevention of disease, as it is well said that “Prevention is better than cure”! This system was then carried over generations after generations by the Traditional practioners under Gurukula system. This system of medicine was found and practiced in the earliest Dravidian civilization and hence was developed in Tamil language only. Then after independence, the government of Tamil Nadu developed this Traditional system as a Medical system. The research carried out under the discipline of health care. The objectives of the study are to reveal the origin and history of Siddha, to know the basic concepts of Siddha, to find the benefits and Side Effects of Siddha Medicine.
Keywords: Ayurveda, Siddha Medicine, Divine, Rational, Surgical

Abstract
Internet of things is interconnectivity of objects over a network. These objects are able to exchange information and take necessary action without human intervention. IOT are used in many sectors which increases efficiency, improves health/safety, or creates better experiences. Banks are now increasingly trying to connect their systems to the internet to improve bank operations. When IOT is connected to banks, banking operations will be improved with greater customer experience and can be provided with higher quality of services. This paper conveys the application of IOT used in Banking and the challenges that occurs when IOT is connected to Banks.

Abstract
PANDIAN GRAMA BANK sponsored by Indian Overseas Bank, first of its kind in Tamilnadu, was established as 43rd Regional Rural Bank on 9th March 1977 with Headquarters at Sattur, having Ramanathapuram (undivided) and Tirunelveli (undivided) districts as its area of operation. Central Government, State Government and Indian Overseas Bank are the joint owners, having pooled the capital of Rs.25 lakhs in the ratio of 50:15:35. Pandian Grama Bank is a scheduled Commercial public sector bank, right from its inception. It enjoys all the privileges extended to other nationalized banks by Reserve Bank of India and renders all kinds of services provided by a Commercial Bank, with an eye on the upliftment of small farmers, marginal farmers, agricultural labourers and rural artisans in agriculture, trade and commerce. Nearly twelve years have elapsed, since the establishment of Regional Rural Bank at Sattur in Tamilnadu. . A bank cannot exist without its customer.  A customer is not dependent on the bank but the bank is dependent on the customer. A customer is not an outsider. He is part of the bank. A bank is not doing a favour by serving its customer. Increases in the variety and volume of business of bank he is directly dependent on the bank. This in turn is reflected from the services provided. Customer expectations from the bank have gone up and a decline in customer service will adversely affect the business of the bank. The rates of commission vary from bank to bank as also among different branches of the same bank. Banks are now entering a new phase of development, shifting the emphasis towards improvement into the quality of customer service in rural areas and there by achieving operational efficiency and profitability. Hence the attempt is made to analyse the customers attitude towards Pandiyan Grama Banks in Madurai. It is found that Pandian Grama Bank offers valuable services by its pioneering work in Madurai. The management is taking all the steps to satisfy their customers. It is found that they are regularly trying to improve their efficiency in providing services, adding more and more services and facilities with Technological development.
Keywords: Customer Service, Operational efficiency, Regional Rural bank

Abstract
Demonetization is the act of stripping a currency unit of its status as legal tender. In 2016, the Indian government decided to demonetize the 500- and 1000- rupee notes, the two biggest denominations in its currency system; these notes accounted for 86% of the country’s circulating cash. Digital Payment is a means of making payments over an electronic network such as the Internet. The Statement of problem is in demonetization, peoples are affected to transact their payment. The objectives are to study the impact of demonetization on Digital Payment and analyzing the factors influencing in Digital Payment. In demonetization, Majority of users are had neutral opinion about digital payment.
Keywords: Demonetization, Digital Payment.

Abstract
The market for FMCGs has been growing steadily over the years and has been a disparity in the consumption patterns. The FMCG sector is the fourth largest in the Indian economy .Growing awareness, easier access, and changing lifestyles have been the key growth drivers for the sector. With the increasing disposable income, the mid, high income group consumers have shifted their purchasing trend from essential to premium products. Consumers brand preferences represent a fundamental step in understanding consumer behavior which would help marketers’ in designing marketing program for creating long term relationship with consumers. Brand awareness is the degree of familiarity among consumers about the life and availability of the products and Brand preference is the individual tastes, measured utility, likeness and willingness to accept. Hence a study has been made on five FMCG products-Tooth paste, Toilet Soap, Tea, Cooking Oil and washing Soap in Thiruvannamalai district .The result of the study showed that there is a close relationship between Loyalty of customers to the products and demographic variables; close relationship between influencing persons and all influencing factors in respect five FMCGs.; relationship between Brands switching and schemes offered. Artificial Neural Network showed that Quality, Attractive Features, Long Lasting brands Dignity and package are the top five factors that influence the preferences of select FMCG products. The weighted scores showed that order of awareness and preferences among the FMCGs. Creating awareness of the products thorough effective advertising use of mobile apps for sharing offers and schemes and latest arrivals prices, product features schemes with on line order and grievance facilities would facilitate consumers to make timely buying decisions which would enhance the sales of the shoppers. For a win-win situation shoppers should understand the pattern of consumer behavour and their expectations and consumers should understand the product profiles and its availability.
Keywords: Brand preferences, Brand Switching, Influencing Factors, Awareness and preference scores

Abstract
As technology speeds up lives, all women entrepreneurs are connected together in social media and they have communicated all their business related matters through a mobile phone, whatsapp, facebook, hike etc., even they are promoting, advertising their products through social networks. The study focused on the difficulties faced by the women entrepreneurs in different stages of their business. This study further analyzed the technology and their usage for the development of women entrepreneurs business. Women entrepreneurs are facing lot of difficulties
in the business. To overcome the problems they have to be confident, have a clear cut goal to their business, get awareness from various banks, government and non-government organization and approach them for financial or other training purpose is really a good thing to come out of difficulties. Majority of the women entrepreneurs
are believed that websites, online services, and mobile phone applications are useful for business purpose.

Abstract
GST is one of the most crucial tax reforms in India which has been long pending. It was supposed to be implemented from April 2010, but due to political issues and conflicting interests of various stakeholders it is still pending. Goods and Service Tax is a comprehensive tax levy on manufacture, sale and consumption of goods and
services. GST is termed as biggest tax reform In Indian Tax Structure. It will not be an additional tax, it will include central excise duty, service tax additional duties of customers at the central level, VAT, central sales tax, entertainment tax, octroi, state surcharge, luxury tax, lottery tax and other surcharge on supply of goods and services. The purpose of GST is to replace all these taxes with single comprehensive tax, bringing it all under single umbrella. The purpose is to eliminate tax on tax. This paper presents an overview of GST concept, explains its features along with its timeline of implementation in India. The paper is more focused Impact of GST and challenges faced by India in execution.
Keywords: Indian Tax Structure, Indirect tax, Goods and Service Tax (GST), Indian economy, Common Man.

Abstract

Consumer behavior is centre of the modern marketing, understanding his behavior is quite essential for efficient and effective marketing management. The consumer behavior suggest how individual, groups and organization select, buy, use and dispose of goods, services, ideas or experience to satisfy their needs and wants. Consumer needs and preferences are continuously changing given the changes in factors like demographics and lifestyles. Rural areas are scattered and it is next to impossible to ensure the availability of a brand all over the country. The present study is an attempt to examine the purchase motivators (viz; Item of necessity, symbol of social status, marketing influence, brand reputation) for television, washing machine and refrigerator in the rural areas of Palacode Taluk. All the products are integral part of their homes. This study is helpful to the manufactures to identity the consumer perception, beliefs, and behavior for improving them to introduce new strategies and increase in sales. Present paper discusses about how to find the modern way for marketing implementation and value addition.

Abstract
Social media have become a platform for corporations and consumers to interact with each other in a coherent way. The impact of social media on consumer behavior has been enormous. Consumers began using more online sources today. Technology gives consumer the power to investigate products to tag them and assess them in equal measure, and more. Today, consumers are involved in a variety of activities, ranging from consuming content to participating in discussions, sharing knowledge with other consumers, and contributing to other consumers' activities. Therefore many companies today have pages on social networks to complement the information held about products, held by the feedback of consumers about products and tend to relate more to a company after reading reviews. It is clear that now day, social media components have got an attention to consumer markets. Therefore, this paper presents influence of social media, social media websites have become an information resource for customers, the change of consumer behavior, how to become social, how Companies can create a strong social media presence and impact of social media on consumer behaviour.
Keywords: Social media, Consumer Behaviour

Abstract
Today India faces one of the foremost challenge is financial inclusion. As of 2014 approximately 53% India’s population has access to formal financial services. Since then the Govt of India has step into taken several initiative’s which are significant towards including a greater percentage of India’s population within the umbrella of formal financial services. In this regard, the most notable initiative being PMJDY has undertaken a commendable task of opening 25.68 crores bank accounts approximately. The present study was asses to digital payments role in
Indian economy and based on the Findings, the paper provides several recommendations and managerial insights which are believed to alleviate the exclusion problem in Indian Scenario.
Keywords: Digital Payments Role, Different modes of Digital payments, Issues and challenges

Abstract
Banking environment has become highly competitive today. To be able to survive and grow in the changing market environment banks are going for the latest technologies, which is being perceived as an ‘enabling resource’ that can help in developing learner and more flexible structure that can respond quickly to the dynamics of a fast changing market scenario. It is also viewed as an instrument of cost reduction and effective communication with people and institutions associated with the banking business. Commercial Banking sector plays a very important role in India. With the use of technology there had been an increase in penetration, productivity and efficiency. It has not only increased the cost effectiveness but also has helped in making small value transactions viable. It also enhances choices, creates new markets, and improves productivity and efficiency. Commercial Banks in India are now becoming a one-stop Supermarket. The focus is shifting from mass banking to class banking with the introduction of value added and customized products. Technology allows banks to create what looks like a branch in a business building‘s lobby without having to hire manpower for manual operations. The branches are running on the concept of 24 X 7 working, made possible by the use of Tele banking, ATMs, Internet banking, Mobile banking and E-banking. These technologies driven delivery channels are being used to reach out to maximum number of customers at lower cost and in most efficient manner. The beauty of these banking innovations is that it puts both banker and customer in a win- win situation. Effective use of technology has a multiplier effect on growth and development.
Keywords: Commercial Banks, E - banking, Internet Banking, Information Technology.

Abstract

Efficiency and profitability of the banking sector in India has assumed primal importance due to intense competition, greater customer demands and changing banking reforms. This study attempts to measure the relative performance of Indian banks. The performance of the banking sector is more closely linked to the economy than perhaps that of any other sector. The growth of the Indian economy is estimated to have slowed down significantly. The study observed that the credit growth in India has seen a declining trend over the last three years due to decline in economic activity leading to moderation in industrial output, leveraged corporate balance sheets and low capital expenditure (CAPEX) plans resulting in decline in credit demand and asset quality overhang making
banks cautious in lending. It found that the key to increase profitability is increase productivity. For this we have recommended some suggestions to tackle the challenges faced by the banks particularly public sector banks.
Keywords: Performance, Profitability, Public
sector Banks, NPA etc.

ABSTRACT
The term 'children in conflict with the law' refers to any person below the age of 18 who has come in contact with the justice system because of committing a crime or being suspected of committing a crime. Most children in conflict with the law have committed petty crimes or trifles like vagrancy, truancy, begging or alcohol use. A portion of these are known as 'status offenses' and are not viewed as criminal when perpetrated by grown-ups. Some have submitted offenses that are more genuine. As a healing measure it is recommended that the guardians and senior kin should show the kids positive qualities, principles standards and of society in this way the youngsters will have the option to show the correct conduct to the general public. Guardians ought to illuminate their youngsters the outcomes of violating laws that administration has made for public wellbeing and improvement.
KEYWORDS
Child in need of care and protection, Criminologist, delinquency, heredity, Juvenile in conflict with law

Abstract

As the economy grows and diversifies, the need of energy both in quantity and quality gets enhanced making it imperative that besides making quantum jumps in the existing sources of energy, new sources of energy need to be unearthed. Energy sector is one of the most important segments of the economic infrastructure in every economy. This paper looks into the recent trends in India’s energy sector and attempts to analyze the energy statistics of India in detail. The skewed distribution of lignite has actually limited the use of lignite as an energy source in India. Renewable power in India shows that in 2017 and 2018, Gujarat was at the top of wind power energy production in India while in the case of small hydro power Karnataka was the forerunner. In the case of power from biomass, Punjab occupied the first position followed by Maharashtra. It is interesting to note that Rajasthan had the highest potential in the production of solar energy in India. Commercial sources of energy in India mainly include coal, lignite, crude oil, natural gas and electricity.
Keywords: Commercial Sources of Energy, Non- Renewable Sources, Structural Changes, Coal, LPG, Compound Annual Growth Rate, Trends in Growth Rate, SD