00346nam a2200109 4500008004100000245001800041210001800059260006100077653003100138100002200169856004500191 2107 eng d00apublic health0 apublic health aHYDERABADbGLOBAL RESEARCH SOCIETY PUBLICATIONSc06/201710aINSURANCE HEALTH INSURANCE1 aCHENNAPPA, DASARI uhttps://www.mypadnow.com/public-health-000369nas a2200133 4500008004100000020001000041024000800051050000900059245001800068210001800086260006400104100002200168856004500190 2017 eng d a33333 aAAA a222200apublic health0 apublic health aHYDERABADbGLOBAL RESEARCH SOCIETY PUBLICATIONSc29/07/20171 aCHENNAPPA, DASARI uhttps://www.mypadnow.com/public-health-300283nam a2200109 4500008004100000245001800041210001800059260001500077653001400092100002200106856004500128 2017 eng d00apublic health0 apublic health c29/07/201710aINSURANCE1 aCHENNAPPA, DASARI uhttps://www.mypadnow.com/public-health-104145nas a2200181 4500008004100000245004400041210004400085260006700129520358400196653002203780653002403802653001903826653001003845653001703855653001803872100001203890856006103902 2014 eng d00aAnalysis of the Forex market in Tirupur0 aAnalysis of the Forex market in Tirupur aBangalorebMaharani Lakshmi Ammanni College For Womenc10/20143 a
The project entitled “Analysis of the Forex market in Tirupur” was undertaken to increase the market share for derivative products of ICICI in Tirupur.  ICICI bank is a leader in retail assets products. They are entering in to trade finance, export finance and corporate lending to SME (Small and Medium Enterprises). They wish to explore the market potential for derivative products in Tirupur. In this project descriptive research design is used. The sample size is 100 out of a population of 500 exporters. The study also covered the entire population of 40 banks who service the Forex requirement of exporters in Tirupur. The method of sampling adopted is the simple random probability sampling.
 
The following statistical tools are used for this research work to extract the information, final interpretation and suggestion for the report.
1. Chi-square Test
2. Weighted average method 
 
The exporters hedge their foreign exchange risks with the help of derivative products provided by banks. The various derivative products analyzed in the study are
1) Forward contract
2) Option contract
3) Future contract
 
The researcher has estimated the usage of derivative products by exporters and this will help ICICI bank in formulating the strategy for the introduction of Forex derivatives in Tirupur. 
The population study of bankers is used to analyze the banks potential for export and import finance. The research includes finding the competitive advantage of different bankers
in Tirupur. The researcher has identified the major problems faced by exporters, satisfaction level towards banking service and has suggested the ways to improve the share of derivative
for ICICI in SME segment.
10abanking service.10aderivative products10aexport finance10aForex10aMarket share10aretail assets1 aRenu, M uhttps://www.mypadnow.com/analysis-forex-market-tirupur-003684nas a2200121 4500008004100000245013400041210006900175260006700244520305900311100003703370700001703407856013803424 2014 eng d00aAsset liability management in Regional Rural Banks – A Case study of Karnataka Vikas Grameena Bank, Dharwad of Karnataka State.0 aAsset liability management in Regional Rural Banks A Case study  aBangalorebMaharani Lakshmi Ammanni College For Womenc10/20143 a
Asset liability management in Regional Rural Banks – A Case study of Karnataka Vikas Grameena Bank, Dharwad of Karnataka State. Asset Liability Management represents the core of sound bank planning of financial management. It is the process of adjusting bank liabilities to meet loan demands, liquidity needs and safety requirements. ALM has been defines as “The Management of a Bank’s entire balance sheet to achieve desired risk return objectives and to maximize the market value of stock holders”. ALM is the process of adjusting bank liabilities to meet loan demands, liquidity needs and safety requirements. ALM is philosophy under which banks can target asset growth by adjusting liabilities to suit their needs. The focus of ALM should be the bank profitability and long term operating viability the practice of ALM over time permits creation of large volume of interest sensitive short term assets and liabilities. A significant shift has ensured in recent years from core-deposit banking into banking based on purchased funds. Disintermediation deregulation and depositor preferences have led banks 
to devise appropriate strategies for managing bank funds. “ALM is the ongoing process of formulating implementing, monitoring, revising strategies related to assets and liabilities in an 
attempt to achieve financial objectives for a given set of risk tolerance and constraints.” The key objective of ALM is that of sustaining profitability in such a manner as to argument capital resources. It calls for an integrated approach towards simultaneous decision making with regard to type and size of financial assets and liability.
1 aKapparashetty, Prof., Basappa Ve1 aT, Manasa, C uhttps://www.mypadnow.com/asset-liability-management-regional-rural-banks-%E2%80%93-case-study-karnataka-vikas-grameena-bank-dharwad-102356nas a2200169 4500008004100000245007400041210006900115260006700184520172200251653001601973653002901989653001502018653000902033653003302042100002302075856008802098 2014 eng d00aDerivatives as an instrument for management of Market and Credit Risk0 aDerivatives as an instrument for management of Market and Credit aBangalorebMaharani Lakshmi Ammanni College For Womenc10/20143 a
 
India is witnessing a wave of Derivatives in Indian Financial Sector as a innovative instrument. Derivatives have been associated with a number of high profile corporate events which have been reasons for breakdown of global financial market. To some critics derivatives have played an important role in the near collapses or bankruptcies of baring banks, But if “properly” handled it can bring substantial economic benefits. The present paper is an attempt to investigate, how the derivatives as a instrument help economic agents to improve their management of market and credit risk. The empirical result obtained indicate what is the main challenge to policymaker and how he can ensure that derivatives are being traded properly and how it can be prudently supervised, and designing regulation and rules that aims to prevent the excessive risk taking of participants, as well to keep track with financial innovative aspects.
10aInstruments10aMarkets and Participants10aSecurities10aWhat10aWhy and Who use derivatives.1 aNagaraj, Hemalatha uhttps://www.mypadnow.com/derivatives-instrument-management-market-and-credit-risk-003068nam a2200121 4500008004100000245012000041210006900161260006700230520248200297100001902779700002002798856012802818 2014 eng d00aEarning Excess Returns Through Trading Strategies: Testing of CAPM on CNX Nifty of National Stock Exchange of India0 aEarning Excess Returns Through Trading Strategies Testing of CAP aBangalorebMaharani Lakshmi Ammanni College For Womenc10/20143 a
 
Over a long period of time, many traders and portfolio managers have shown a keen interest in earning excess returns through different trading strategies. There has been a long debate whether financial markets are efficient or not, especially in the Indian context. If markets are efficient, there will not arise any arbitrage opportunities to take advantage of mispricing of securities. This paper intends to find out whether is it possible to earn excess returns in the Indian market by using any trading strategy and if it is possible, then which strategy is better. We take 30 companies out of 50 belonging to CNX Nifty and through data from Jan’2000-July’2014; we try to find whether one can earn excess returns from the market in the long run. We use Capital Asset Pricing Model (CAPM) to test for excess returns. The variable of our interest is the alpha or the intercept term while applying regression as stated under the CAPM model. For this, we take the return on the CNX Nifty Index as return on the market and the yield on 91-Day T-Bills as a proxy for the risk free rate. Our results show that the alpha is significant and we are able to generate excess return of 1.47% through momentum strategy and excess return of 0.74% through contrarian strategy. This also shows that momentum strategy is better in the long run than contrarian strategy in the context of Indian market.
1 aLakhani, Manik1 aSharma, Namrata uhttps://www.mypadnow.com/earning-excess-returns-through-trading-strategies-testing-capm-cnx-nifty-national-stock-exchange-003832nas a2200169 4500008004100000245006400041210006300105260006700168520327400235653001003509653001003519653001103529653000803540653001803548100001503566856008103581 2014 eng d00aIMPLICATIONS OF NON-PERFORMING ASSETS IN THE BANKING SECTOR0 aIMPLICATIONS OF NONPERFORMING ASSETS IN THE BANKING SECTOR aBangalorebMaharani Lakshmi Ammanni College For Womenc10/20143 a
 
NPA means an asset or account of borrower, which has been classified by a bank or financial institution as sub-standard, doubtful or loss asset, in accordance with the directions or guidelines relating to asset classification issued by RBI. NPA are those loans given by a bank where the borrower defaults or delays interest or principal payment. The dreaded NPA rule says when interest or other dues to the bank remains unpaid for more than 90 days; the entire bank loan automatically turns as “NPA”. The recovery of loan has always been a problem for banks. NPA are threatening the stability and demolishing bank’s profitability through a loss of interest income and write-off of the principal loan amount itself. This paper focuses upon the implications of NPAs in the banking sector. A comparative analysis of NPAs of public sector banks vis-à-vis private sector banks has been undertaken – For the purpose of this study six banks have been randomly chosen (3 each from the private and public sectors). Data has been collected from the annual reports of the banks. It is found that banks need to monitor standard assets to assert any account from becoming a NPA. Today, the success of banks depend on the methods of managing NPA’s and keeping them within a tolerance level. 
Banks are not allowed to book any income from NPA’s; also they need to make provisions for NPA’s which impacts profitability adversely. With the introduction of international norm of 
income recognition, asset classification and provisioning in the banking sector, managing NPA has emerged as one of the major challenges facing banks. Besides, resorting to legal remedies for recovery of their dues, banks have also utilized the services of the Debt Recovery Tribunals (DRT).
10aAsset10aBanks10aIncome10aNPA10aProfitability1 aDevi, Tara uhttps://www.mypadnow.com/implications-non-performing-assets-banking-sector-003761nas a2200181 4500008004100000245003300041210003300074260006700107520320600174653001103380653002703391653001603418653001803434653002803452653002003480100001903500856006003519 2014 eng d00aIndian Financial Derivatives0 aIndian Financial Derivatives aBangalorebMaharani Lakshmi Ammanni College For Womenc10/20143 a
 
Globalization and liberalization have resulted in enormous growth in the volume of international trade and business. This has necessitated more demand for international money and 
financial instrument increased significantly at global constant changes in exchange rates, interest rates and stock prices of different financial markets have increased the financial risk to the corporate world and even have threatened the very survival of business world. It is, therefore, to manage such risk the new financial instruments have been developed in the financial markets, which are also popularly known as financial derivatives. The basic purpose of these instruments is to provide commitments to prices for future dates for giving protection against adverse movements in future prices. Today, the financial derivatives have become increasingly popular and most commonly used in the world of finance. This has grown with so phenomenal speed all over the world that now it is called as the derivatives revolution. In India, the emergence and growth of derivatives market is relatively a recent phenomenon. Since its inception in June 2000, derivatives market has exhibited exponential growth both in terms of volume and number of contract traded. The market turnover has grown from Rs.2365 Cr. in 2000-2001 to Rs.16807782.22 Cr. in 2012-13. Within a short span of twelve years, derivatives trading in India has surpassed cash segment in terms of turnover and number of traded contracts. In India, the Accounting Standards Board (ASB) of the Institute of Chartered Accountants of India (ICAI)  issued AS-11(Revised) Accounting for the effects of Changes in Foreign Exchange Rates which will ease the functioning of derivatives. The present paper tries to expand the uses of derivatives and its important in trading.
10aAS-11.10aBombay stock exchange10aDerivatives10aExchange rate10aNational stock exchange10aRisk management1 aAnjum, Rukhiya uhttps://www.mypadnow.com/indian-financial-derivatives-104062nas a2200157 4500008004100000245005800041210005600099260006700155520350500222653002003727653002603747653001503773100001703788700002103805856007803826 2014 eng d00aInnovations in financial sector - a critical overview0 aInnovations in financial sector a critical overview aBangalorebMaharani Lakshmi Ammanni College For Womenc10/20143 a
 
Today, the Indian financial system is in need of some innovations. The country has been trying to continuously evaluate and find new ways to have a better economic growth through some techniques. As we know the innovations can be good as well as bad, fortunately in the present scenario amongst the various innovations in the banking and finance sectors there are good innovations over bad ones. In the recent years there were many new innovations in financial sector which are generated in order increase the economic growth of the country Government of India tries to imply some new technique on the financial sector to enhance the economic growth of the countries. But at same time, some steps that are suggested by Government of India's Committee on Financial Sector Reforms (CFSR) create problems rather than finding solutions. India has half a dozen of regulators and several government agencies which have regulatory powers. This leads to major confusion when regulations of different agencies apply on a single financial service. This has to be streamlined to avoid gaps, inconsistencies and overlap. The current government has already started the scheme of financial inclusion. Under this scheme, the government has already opened accounts of people under public sector banks. Indian markets are primarily run by the retail investors. But the capabilities of institutional investors are to be harnessed to develop the markets further. Including bigger players will give the economy a certain boost. They even tried to minimize some regulations as Prime Minister’s key Economic Advisor Mr. Rangarajan says “too many norms can impede financial innovations”. This paper studies critically and analyze the importance of innovations in the financial sector in India and at the same time the remedies to overcome the bad innovations. Also we will discuss some innovations in technology under banking sector like satellite banking, biometrics, etc.
10aeconomic growth10aFinancial Innovations10aimpediment1 aNair, Vineet1 aMathur, Shivangi uhttps://www.mypadnow.com/innovations-financial-sector-critical-overview-005373nas a2200157 4500008004100000245004800041210004700089260006700136520485700203653002405060653001705084653001205101653000905113100002405122856006905146 2014 eng d00aMirage of Micro finance- A conceptual Study0 aMirage of Micro finance A conceptual Study aBangalorebMaharani Lakshmi Ammanni College For Womenc10/20143 a
 
India being the developing country is striving to develop the basic strata of the society which is not been reached due to its spread in vast geographical area and huge density of population. Supply of capital and seed money is always a problem for growing economies. There are many on-going researches on this line but context specific research is needed to identify the most appropriate model. With this in mind this paper tries to study various alternatives issues. The issues can broadly classify into three parts they are 1. Strategic issues, 2. Institutional issues and 3. Connectivity issues
1. Strategic issues like are there clearly visible pattern cross the country? Is there a clearly defined foundation building block such as organizing principles, gender preference and operational imperatives? What are methodological issues?
2. Institutional issues like is there a need for a new institution? Should it operate all India or in a state? Where should be located? Who can be leading an institution of this sort? Who will be its beneficiaries? 
3. Connectivity issues like how should the corporate financial sectors are involved? What is the role of donor agencies? How should communities be involved? How to involved government policy issues? To the extent that microfinance institutions become financially viable, self sustaining, and integral to the communities in which they operate, they have the potential to attract more resources and expand services to clients. The tremendous impact on the social status of the poor rural women becoming bread earners of their households through the instrument of SHGs has been highly commended by many previous studies. The impressive performance under SHG-BLP prompted other developmental agencies like the Government Departments to depend heavily on such groups to take the development efforts forward. SHG-BLP was an attempt to bring the “unbanked” poor into the formal banking system and to inculcate among the poor the thrift and credit habits, a natural corollary is for the group members to graduate into seeking more and better livelihood opportunities with access to credit from formal financial institutions. The total savings of SHGs in banks was at Rs.7016.30 crores during 2010-12 which rose almost to Rs.8217 crores in the years 201-13, at the same time the amount disbursed to SHG’s was Rs. 14547.73 n the year 2010-11 and rose to Rs. 20585.36 crores during 2012-13. This paper try to study the issues associated with Microfinance in reaching all corners of the society where everyone will be brought under financial inclusion.
10aFinancial inclusion10aMicrofinance10aSHG-BLP10aSHGs1 aT, Dr.Aswathnarayan uhttps://www.mypadnow.com/mirage-micro-finance-conceptual-study-002039nas a2200157 4500008004100000245004700041210004700088260006700135520154000202653001301742653001401755653001001769653000801779100002301787856007101810 2014 eng d00aMounting NPAS in Indian Nationalised Banks0 aMounting NPAS in Indian Nationalised Banks aBangalorebMaharani Lakshmi Ammanni College For Womenc10/20143 a
 
Non-Performing Assets have been substantially reduced since regulations were tightened in 1993, but improvement has recently slowed down and the levels of NPA remain high 
compared to international standards. According to RBI norms, NPA has been defined as a credit facility in respect of which interest has remained past due for a period of four quarters. The Gross Non-Performing Assets (GNPAs) of Nationalized Banks as on June 2012 were Rs.73,038 crore which amount to 2.94% of Gross Advances. In this direction present paper is undertaken to study the reasons for advances becoming NPA in the Indian Commercial banks Sector and to give suitable suggestion to overcome the mentioned problem. In this direction present paper is undertaken to study the reasons for advances becoming NPA in the Indian Commercial banks Sector and to give suitable suggestion to overcome the mentioned problem.
10aAdvances10aGross NPA10aLoans10aNPA1 aDALAL, DR, MAHIBUB uhttps://www.mypadnow.com/mounting-npas-indian-nationalised-banks-001964nas a2200121 4500008004100000245001600041210001600057260006700073520161100140100002001751700002801771856004301799 2014 eng d00aMUTUAL FUND0 aMUTUAL FUND aBangalorebMaharani Lakshmi Ammanni College For Womenc10/20143 a

 

LIFE IS FULL OF UNCERTAINITIES, PERSON HAVING LOT OF MONEY TODAY MAY LAND UP WITH NO MONEY TOMMORROW .Investment in some kind of financial instrument will help us. when we decide about investing the very next question before us is where to invest? Investing in mutual fund would be an answer to the question. Why mutual fund? That is because most of the people are not interested in the day-to-day management of the funds but are interested in the final outcome of the investment. Hence, they pool their money together, hire an investment manager who manages funds for them and expect to earn a return on them. Mutual fund is a financial instrument; the concept of mutual fund started in India in the year 1963.It is an investment vehicle that allows several investors to pool their resources in order to purchase stock, bonds and other securities. The main objective of presenting this paper is to show the impact of investing in mutual fund. Since every coin has two faces so has the mutual fund so this study also focuses to make people aware of pros and cons of investing in mutual fund SEBI has been undertaking various initiatives in order to derive the benefits of mutual fund to the investors .No doubt it has made tremendous growth from its inception. But certain complexities and uncertainties continue to fetter its progress. Through this paper an attempt is done to create awareness among people the importance of investing and also to persuade people to invest in mutual fund. Necessary information related to this paper will be collected through primary and secondary data

1 akumari, sandhya1 aHarpanhalli, Pallavi, P uhttps://www.mypadnow.com/mutual-fund-002014nas a2200193 4500008004100000245006300041210006200104260006700166520133700233653002801570653001901598653002201617653002401639653001401663653001701677100002101694700001901715856008601734 2014 eng d00aMutual Fund Industry in India, recent trend and progresses0 aMutual Fund Industry in India recent trend and progresses aBangalorebMaharani Lakshmi Ammanni College For Womenc10/20143 a

 

Mutual funds are distinctive because instead of buying a security like stocks or bonds issued by a single institution, you buy into a portfolio that includes securities issued by a number of companies and/or government agencies. Mutual funds is a mediator that brings together a group of people and invests their money in stocks, bonds and other securities. Mutual Fund is an institutional arrangement where in savings of millions of investors are pooled together for investment in a diversified portfolio of securities to spread risk and to ensure steady returns. These funds bring a wide variety of securities within the reach of the most modest of investors. It is essentially a mechanism of pooling together savings of large number of investors for collective investment with an approved objective of attractive yield and appreciation in value. The Mutual Funds offers different investment objectives such as growth, income and Tax planning. In the recent times the Indian Capital Market has witnessed new trends, one of them being the spectacular growth of Mutual Funds. There are more than 1000 schemes offered by Mutual Funds, and these funds have mobilized substantial amount of the household savings. The paper presented will focus on the growth of Mutual Fund Industry in India over the past few years.

10aAssets under management10aCapital market10aClose ended funds10aIncome Debt Schemes10aPortfolio10aTax Planning1 asathish, archana1 akhan, Tabassum uhttps://www.mypadnow.com/mutual-fund-industry-india-recent-trend-and-progresses-001925nas a2200121 4500008004100000245002500041210002500066260006700091520155400158100002701712700001201739856005201751 2014 eng d00aNON PERFORMING ASSET0 aNON PERFORMING ASSET aBangalorebMaharani Lakshmi Ammanni College For Womenc10/20143 a

 

ITS ALWAYS HUMAN TENDENCY TO EXPECT SOMETHING IN RETURN FOR WHAT THEY HAVE GIVEN. Same as the bank expects on time cash inflow when loan is given to the customers. When customers fail to meet the expectation of banks that is when a picture of nonperforming assets arises... An asset is called NPA when the borrower fails to repay the interest and/or principal amount on agreed terms. It means it stops to generate income for the bank. NPA'S are asset of banks which are not useful for the bank. A loan is an asset for a bank as the interest payments and the repayment of the principal create a stream of cash flows. It is from the interest payments the bank makes its profits.The higher the amount of nonperforming assets, the weaker the bank's revenue stream. Strong banking sector is important for flourishing economy. The failure of the banking sector may have an adverse impact on other sectors. Non-performing assets are one of the major concerns for banks in India. The main objective of this study is to understand the concept of NPA’s and to discuss what the causes of nonperforming assets are and how it is affecting the profitability of the bank. RBI has taken lot of steps to solve the problem of nonperforming assets. However, still the problem persists. Through this an attempt is made to highlights the measures to be taken to reduce the non performing assets , trends of NPA followed by different banks and also some suggestions to the bank which is to be taken before lending loans to the customers.

1 avenkataswamy, prakasha1 aV, Babu uhttps://www.mypadnow.com/non-performing-asset-003701nas a2200169 4500008004100000245010600041210006900147260006700216520301200283653001203295653002603307653001203333653001703345653001903362100001403381856013603395 2014 eng d00aNPA’s As An Important Parameter To Evaluate The Performance And Financial Health Of Banks In India.0 aNPA s As An Important Parameter To Evaluate The Performance And  aBangalorebMaharani Lakshmi Ammanni College For Womenc10/20143 a

 

Non-performing assets are what their label says they are. They are assets, usually loans, that aren't earning the lender any income. They aren't producing. While they aren't doing the lender much good to carry them on the company books, writing the loans off as bad debt will look just as bad. So companies hold non-performing assets in the hopes that situation will change for the better or that the company may be able to sell the bad debt to another company. Non-performing assets are problematic for financial institutions since they depend on interest payments for income. Troublesome pressure from the economy can lead to a sharp increase in non-performing loans and often results in massive write-downs.

A strong banking sector is important for flourishing economy. The failure of the banking sector may have an adverse impact on other sectors. Non-performing assets (NPA) are one of the major concerns for banks in India. A loan or lease that is not meeting its stated principal and interest payments is said to be non-performing assets. Banks usually classify as NPA any commercial loans which are more than 90 days overdue, and any consumer loans which are more than 180 days overdue. Most of the rise in NPA is due to problems with commercial loans. A lot of banks and financial institutions in India are dealing with pending cases of these natures for over many years. The banks are lending money to get revenue through interest rates along with principal. But NPA has a bad effect on bank revenue. Non-performing loans epitomize bad investment. They misallocate credit from good projects, which do not receive funding, to failed projects. The NPA are considered as an important parameter to judge the performance and financial health of banks. If a bank has high NPA ratio then its performance is considered as weak than that of a bank with lower NPA ratio. It creates a bad effect on good will and equity value of the bank.
Sometime the banks also hide the actual NPA ratio. These are the challenges the banks are facing regarding the non-performing assets. The reason investors are wary of lenders with too many non-performing assets is that with a reduced cash flow, the company has tighter credit policies. This leads to slower economic growth and economic development because other businesses won't be able to get a loan. With one company this may not be too big of a problem because a company seeking a loan can also find another lender. However, if the problem begins to spread throughout the lending industry, then it will also begin to spread beyond it to other industries as companies find themselves without an option for lender. The SARFAESI Act empowers Banks / Financial Institutions to recover their non-performing assets without the intervention of the Court. The Act provides three alternative methods for recovery of non-performing assets

10aEconomy10afinancial institution10aNPA’s10aSARFAESI Act10aSecuritization1 aP, Geetha uhttp://www.mypadacademia.com/sites/default/files/Conference/2823/final_submissions/track-id-2196/term-id-2213/conference%20MLA.docx01246nas a2200169 4500008004100000245006300041210006100104260006700165520068500232653001800917653000800935653001400943653000900957653001700966100001400983856007900997 2014 eng d00aA Study On Factors of FII affecting in Indian Stock Market0 aStudy On Factors of FII affecting in Indian Stock Market aBangalorebMaharani Lakshmi Ammanni College For Womenc10/20143 a

 

Since recent past, it has been observed that Indian stock market is experiencing violent fluctuations. In current scenario of Indian stock market each investors is required to be alert enough about happenings in the market. For that purpose it is very important for each and every investor to be aware about major factor affecting stock market. In this paper it has been tried to find out major factors responsible for up and down movements in Indian stock market. From the study it has been found out that factors like flow of foreign institutional investors, inflation, exchange rate are major factors responsible/affecting a movement in Indian stock market.

10aExchange rate10aFII10aInflation10aSEBI10astock market1 aS, Anjali uhttps://www.mypadnow.com/study-factors-fii-affecting-indian-stock-market-101707nas a2200157 4500008004100000245006500041210006300106260006700169520111800236653000801354653003001362653002501392653003301417100001501450856008401465 2014 eng d00aA Study on Foreign Direct Investment in Indian Retail Sector0 aStudy on Foreign Direct Investment in Indian Retail Sector aBangalorebMaharani Lakshmi Ammanni College For Womenc10/20143 a

 

On 20th September, 2012 the government of India has approved 51% FDI in multi brand retail and 100% (revised) in single brand retail sector through government route with some riders. Government of India is firm to implement the FDI in multi brand retail Agitation and Bandhs have been called by some political parties. Oppositions have raised concerns about employment losses, promotion of unhealthy competition among organized domestic retailers resulting in exit of small domestic retailers from the market. Prime Minister of India has explained to the nation the necessity and obligation under WTO agreement to allow FDI in retail sector. There is mixed response about FDI in retail sector. Still some of the states are either not in favor of the FDI or indecisive on the issue as they feel that FDI in retail is harmful to local retailers in India. Everyone has the reasons for supporting or opposing the issue. The present paper focuses on the overview of the Indian retail sector along with the opportunities of expansion of FDI in retail in India and the major challenges that it faces.

10aFDI10aGlobal retailing scenario10aIndian retail sector10aOpportunities and challenges1 aS, Ashwini uhttps://www.mypadnow.com/study-foreign-direct-investment-indian-retail-sector-102556nas a2200145 4500008004100000245009300041210006900134260006700203520197200270653001602242653000902258100001802267700001802285856010702303 2014 eng d00aA Study on Income Recognition & Asset Classification of New Private Sector Banks in 20140 aStudy on Income Recognition Asset Classification of New Private  aBangalorebMaharani Lakshmi Ammanni College For Womenc10/20143 a

 

Credit Risk is the potential that a bank borrower/counter party fails to meet the obligations on agreed terms. These losses could take the form of outright default or alternatively, losses from changes in portfolio value arising from actual or perceived deterioration in credit quality that is short of default. An asset is classified as non-performing asset if dues in the form of principal & interest are not paid by the borrower for a period of 180 days. However with effect from March 2004, default status would be given to a borrower if dues are not paid for 90 days. The importance of Non Performing Assets is increasing day by day from the formation of Shri M. Narsimham Committee. It is the second land mark in banking sector in India after nationalization of banks. Reserve Bank of India had advised all commercial banks on 7th November, 1987 to introduce the health classification indicating the quality of individual advances in the following eight categories with Health Code assigned to each borrower account namely Satisfactory, Irregular, Sick – viable, Sick – non – viable / sticky, Advances – recalled, Suit – file – accounts and Decreed debts. The high level of NPAs in banks and financial institutions has been a matter of grave concern to the public as bank credit is the catalyst to economic growth of the country. NPAs are not therefore the concern of only lenders. The purpose of this study is to understand the performing assets and non – performing assets of new private sector banks in India and also study about the rating of banks on NPA management. Impact of NPAs on performance of a Bank may be either Interest income reduction due to non – performance of assets and/or Desirable yield not achieved etc . This paper also attempts to study the impact of NPA’s on Banks. Statistical techniques used are Mean (x), Standard deviation (б), T-Test and Correlation.

10aCredit Risk10aNPAs1 aJACOB, SAJINI1 aKumar, Sumita uhttps://www.mypadnow.com/study-income-recognition-asset-classification-new-private-sector-banks-2014-001495nas a2200157 4500008004100000245005900041210005600100260006700156520093100223653004901154653002301203653000901226653001701235100001401252856007101266 2014 eng d00aA STUDY ON THE NON-PERFORMING ASSETS OF BANKS IN INDIA0 aSTUDY ON THE NONPERFORMING ASSETS OF BANKS IN INDIA aBangalorebMaharani Lakshmi Ammanni College For Womenc10/20143 a

 

Among all functions, primary function of banks is to lend funds as loans to various sectors such as agriculture, industry, personal loans, housing loans etc., however in recent times the banks have become very cautions in extending loans. The reason of such an initiative is the problem pertaining to non-performing assets (NPAs). An asset becomes nonperforming when it ceases to generate income for the bank. Prior to 31st March, 2004 a nonperforming asset was defined as a credit facility in respect of which the interest or installment of principal has remained past due for a specified period of time which was four quarters. Due to the improvements in payment and settlement system, recovery climate, up gradation of technology in the banking system etc., it has been decided to dispense with past due concept. This paper is going to study on the NPAs of banks in India based on conceptual background.

10aFactors responsibility for high rates of NPA10aNPA classification10aNPAs10aTypes of NPA1 aN, HARISH uhttps://www.mypadnow.com/study-non-performing-assets-banks-india-002698nas a2200181 4500008004100000245007500041210006900116260006700185520207300252653003902325653000902364653001802373653000802391653000902399653000902408100001302417856008602430 2014 eng d00aTitle: A study on convergence of IAS with IFRS - Challenges and Issues0 aTitle A study on convergence of IAS with IFRS Challenges and Iss aBangalorebMaharani Lakshmi Ammanni College For Womenc10/20143 a

 

This study is to know the importance of convergence of Indian Accounting Standards into International Financial Reporting Standards. Consistent, comparable and understandable financial information is the lifeblood of commerce. The idea of global harmonization of accounting standards helps in better analysis of financial statements across the country. The main fascination with adoption or convergence of IFRS is sound business sense. Increasing cross border investing and proliferation of financial products have posed a challenge to companies as they faced multiple standards. Harmonization and convergence with IFRS can greatly contribute to the efforts to build global financial reporting infrastructure. In India, the Institute of Chartered Accountants of India (ICAI) has decided to adapt IFRS for accounting periods commencing on or after April 1, 2016. This decision is an important milestone in achieving full convergence with IFRS, as India will join 109 countries, which presently require or permit use of IFRS. India’s blue-chip companies have begun to align their accounting standards to the International Financial Reporting Standards (IFRS), two years ahead of the mandatory time for the switchover. The list of companies includes IT firms like Wipro, Infosys Technologies and NIIT, automakers like Mahindra & Mahindra and Tata Motors; textile companies like Bombay Dyeing and pharmacy firm Dr Reddy’s Laboratories. This is a significant move towards the emergence of IFRS as a global accounting language. This article deals with concept, objective and benefits of convergence with IFRS and explores the way we converge, the Indian Generally Accepting Accounting Principles with IFRS. Problems and challenges faced in the process of convergence in Indian perspective have been thoroughly discussed. This article also focuses on IFRS prospects in Indian scenario. This article puts forward a viewpoint that convergence will bring forth galore benefits to investors, industry, professionals and the economy as a whole.

10afinancial reporting infrastructure10aGAAP10aglobalization10aIAS10aICAI10aIFRS1 aA, Sunil uhttps://www.mypadnow.com/title-study-convergence-ias-ifrs-challenges-and-issues-002523nas a2200181 4500008004100000245005600041210005500097260006700152520190600219653001702125653002002142653002402162653001702186653002302203100001902226700001802245856007802263 2014 eng d00aVenture Capital- catalyst for innovation and growth0 aVenture Capital catalyst for innovation and growth aBangalorebMaharani Lakshmi Ammanni College For Womenc10/20143 a

 

Innovative non-conventional entrepreneurship ideas, coupled with risk taking and need to provide capital for the successful implementation of these ideas, gave birth to the concept of venture capital (VC). The world economy has evolved significantly since 2008, after a strong blow of financial crisis. Venture capitalist is no more exception to it. Venture capitalist is one among the primary engines which drive for expansion and growth. Despite the adverse effect of recession, people with innovative business ideas are coming forward to bring the economy back on track. VC investment rose during 90’s. Post 2001, there was a significant decline in venture capital investment due to stringent government policy and the fluctuating economy. But favorable market condition and the support of government in recent times as encouraged youths and people to come up with new business ideas and set up their own ventures, which eventually would solve various economic problem like unemployment. Finding an optimum solution to these problems is the need of the hour. The concept of VC is not new to the Indian economy. This activity was promoted by setting up financial institution like IDBI, ICICI and State Financial Corporations. These institution provided finance to small and medium enterprises by funding them through debt capital. This model benefitted the economy by encouraging the financials inclusion. With the help of these institutions people from the backward areas of the country established their ventures and introduced new technology and products in the markets. This paper provides the venture capital process as well as discusses the role of VC in providing innovative solutions to economic problems. It also highlights various regulatory frameworks to encourage the venture capitalists. The paper also depicts the future prospects of venture capital in India.

10adebt capital10aeconomic growth10aFinancial inclusion10aunemployment10aventure capitalist1 agadbail, sagar1 aKapoor, Ayush uhttps://www.mypadnow.com/venture-capital-catalyst-innovation-and-growth-000229nas a2200085 4500008004000000245001800040210001800058100002200076856004500098 0 engd00apublic health0 apublic health1 aCHENNAPPA, DASARI uhttps://www.mypadnow.com/public-health-2