VIVA Presentation Priyanka Patel- HPGD-JL14-1318

7/25/2019 VIVA Presentation Priyanka Patel- HPGD-JL14-1318

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PRESENTATION FOR

VIVAPRIYANKA PATEL- HPGD/JL14/1318


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WE TUBE


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Savings VS Investent

Famous Sayings Money does not grow on trees i.e. Money makes money

Savings- it is an act of putting aside money after expense and liabilities. Old ways of savings

Income-expenses savings

!ew ways of savings better ways

Income saving expenses or

Income-future expenses current expense

Some interesting facts about savings

a" #re pone your savings and postpone your expenses

b" Indians are good savers but unfortunately not so good investors

c" Money losses its value called purc$asing power due to enemy called inflationd" Inflation eats away our money at $ome even informing us.

)Solutions for Savings

)Saving to be invested so t$at it at least outgrows inflation%


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Savings VS Investent If by investing.

&eturninflationno gain

&eturn'inflationgain

&eturn(inflationloss

)xample of Inflation

Mr S$arma saved &S *++ today to buy some grocery next year and kept t$e money at $ome.

!ext year t$e cost of grocery increased to &S **+ due to inflation. !ow to buy same item Mr S$arma $as to add &S *+ more because money $as not grown as inflation.

Inflation eats away our money power on daily basis.

Means money saved last year $as lots its purc$asing power due to inflation.

,value of &S *+++++ saved in *+ is &S */0 in 1+*0 at Inflation"

2re we concerned3 we s$ould be 3but unfortunately !O

4$y5 6ue to Ignorance 3 lack of financial literacy.

Few tips for $ow to Increase Savings

prepare your mont$ly budget

refrain from impulsive buying

4ork in need rat$er t$an wants

2void excessive borrowing by doing so you are preponing expenses and post pone savings

Start savings at early stage of life


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Savings VS Investent

I!7)S8M)!8 #ut your savings into productive use and work for you investing

Investing s$ould be in assets w$ic$ at least outgrows inflation

investing is an art of your savings ,money saved"to be put into productive use wit$ an expectation of earning

return more t$an inflation to preserve purc$asing power of money.

2dvantages

Saving grows by earning interest 3dividend 3capital gains etc. Money is working on your be$alf since it is put into productive use.

Investing $elp in countering inflation and maintaining purc$asing power of money.

#rovide sense of financial security.

4928 IS &I:98 2##&O2;9)6 8O I!7)S8I!:

ascertain risk involved w$ile investing. every assets $as own risk. uity.

uity =ob?ective and not as per market environment.

6o ade>uate researc$-take advice from professionals like ;#Fs and do not get carried away by crowd.

&ecogni@e tax implication .earn tax efficient returns3 if you do not plan well3 you end up paying $ig$er taxes

and reducing your return.


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Design a!"eting

6esign is not t$e narrow application of formals skills it is a way of t$inking. #roduct packaging and design

2est$etics

;olour

S$ape and form

;ultural connect

)motional connect

Involvement

2ut$enticity

8$e ;onsumer &eality

2n average supermarket in us $olds almost ++++ different product ,1+*1 &A6"

Supermarket are a BS6 /++Cillion industry rely $eavily on designers.

Once product is liked it leads to an on-going positive accusation.

D2 brand is createdE

people ignore design t$at ignores peopleG.


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Design a!"eting Makes Over & Rebirth

Mission statement c$anges 3new A improved features mental fatigue wit$ familiarity c$anges wit$ time

and values functionality upgrade social responsibility.

D6esign is t$e fundamental soul of a $uman made creation t$at end up expressing itself in successive

ot$er layer of a product or serviceE.

How to build an idiot proof social media strategy

1) Establish a plan

)w$at are you $oping to ac$ieve 5

)4$at does success look like5

)4$at to put into it5,create an editorial calendar to keep your posting consistent.");reate publis$ing sc$edule t$at $elps you maintain a consistent presence.

)2llow you to visuali@e your marketing strategy in way t$at everyone can understand.

)2ssign writing and ot$er editorial tasks to key member of your team.

)Hets your editorial calendar act as daily roadmap providing strategic guidance on w$at and w$en you

will post.


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Design a!"eting

1" now your customeri. 4$o are t$ey

ii. 4$y are t$ey spending t$eir time online

iii. 4$at need does your product 3service or system fill 5 knowing t$eir Dw$y will $elp you to

speakto t$em .your next step is to create a person based on your target market.

0" create impact

) Identify w$at top t$ree problem you solve.

) ;reate uni>ue content and begin to give your value able insig$t.

) S$are your expertise t$roug$ various types of media from video tutorial to webinars 3provide

solution to your customers most pressing need.

" M!E "# $ER%O!'

8ake t$eir language

are you taking to t$em5

;reate more meaning full relations$ip by going deeper wit$ your social media community


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Design a!"eting

2sk >uestions and pay attention to t$e answer. Find stats and ot$er relevant industry data.

Bse t$at information and turn it into value able posts and tweets.

S$are tips 3advice and interesting industry titbits to get to know your audience A$elp t$em.

() e visually appealing

design 3wow and connect .

use image to improve engagement and boost t$e conversation $appening around your posts. &ecent stats s$ow t$at adding an image to your tweet can improve by 1++J

)nsure t$at you find a balance between professional and personal.

2dd flavour to your social media posts 3but also your t$oug$t.

#eople want to $ear your t$oug$ts and ideas.

8$ey donGt want you to t$row content at t$em wit$out any t$oug$t be$ind it.

9ow to diversity your content.

8ake t$e standard link post and add context to it.

S$are an info grap$ic and add your t$oug$ts around t$e stats

2dd your feed back ask a >uestion or give an explanation as to w$y t$e content you s$are is

important%.


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PERS#NAL $%DGET

4928 IS #)&SO!2H CB6:)8555 49< 4) !))6 28O #&)#2&) #)&SO!2H CB6:)85

DCudget is an itemi@ed summary of likely income and expensesE

Da plan for t$e coordination of resources and expenditure simply put.E

Cudget provides a concrete 3organised and easily understood breakdown of $ow muc$ money is

coming in and $ow muc$ going out.

Cudget is an invaluable tool to $elp you prioriti@e your spending and t$us saving.

*hy budgeting is important

Identifies and $elp to ac$ieve financial goals wit$ ease.

Manage your money.

6irect your money flow.

2dapt >uickly as your financial situation c$anges.

Increase your savings.

Cudget is breakdown your expenses and surprise to see w$ere t$e $ard money is going needs

or want.

Cudget will decrease your stress level3 provide sense of financial security.


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PERS#NAL $%DGET

%E+E %#E$% #O E,,E-#"+E $ER%O!' ./0E#"0

StepK*

;$oose a system.

6etermine $ow will you track t$e budgetary information . weekly =mont$ly.

If pen pencil work good 3ot$er wise c$oose some software.

StepK1

6etermine your income.

;alculate your income from various sources like salary 3interest3 dividend3 rental income3 business

etc

Ce conservative w$ile calculative income and take only t$ose w$ic$ you are sure.

StepK0

6etermine your expenses

8$is step is most important and time consuming.

2lso you $ave control over expenses rat$er income t$us focus to analyse t$e same

6ivide your expenses into 0 categories


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PERS#NAL $%DGET

,"R%# -!#E0OR2

9ome loan=auto loan=personal loan=taxes=insurance premium=c$ild education=savings=similar expenses t$at are fixed.

%E-O/ -!#E0OR2

7ariable expenses K $ouse $old expenses=grocery=vegetables=fuel transport=repairs=p$one

bill=clot$es=laundry=medical=professional service=similar ot$er expenses

#H"R/ -!#E0OR2

6iscretionary expenses=recreation and entertainment=vacation=gift=similar ot$er expenses%

StepK

;ompare your income and expenses

Income 'expenses

Income(expenses

Incomeexpenses

2fter completing t$ese steps

uestion

9ow muc$ money is coming 5

9ow muc$ is going on5

4$ere its going5


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PERS#NAL $%DGET

StepKL

6etermine your financial goals

!ow you $ave clear cut snaps$ot of your financial $ealt$.

6efine your financial goals like c$ild education 3c$ild marriage3 retirement etc

StepK/

Improve your situation

Cudgeting $elps to improve your financial $ealt$ =position. Increasing you income is not so easy also not impossible 3work to improve

StepK

&eview and evaluate your progress

Monitor is an important or even more important t$an planning

Monitor your budget on an going basis to confirm t$at you are not target

Its not as difficult to stay on track as it is to get on track into first places monitoring will $elp you remain on track

,ew Money %avings "deaK

;ut down on luxuries disguised as need but actually t$ey are wants.

Coug$t an expensive car. 8$is is not easily reversible decision but buy less expensive next time.


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$EHAVI#%R EVENT INTERVIE& C)927IOB& )7)!8 I!8)&7I)4K

2n interview tec$ni>ue is used in most companies now days 3 selecting >uality employees for a

>uality organi@ation.

4$at is be$avioural event interview 55

Ce$avioural event interview is an interview tec$ni>ue to identify and access t$e competencies of

candidate for a particular ?ob or role 3 to gain information about a candidate past performance

accomplis$ment t$at relate to target ?ob.

Ce$aviours event interview includes K competency based selection interviewing tec$ni>ues

;ompetency is observable abilities 3 skill 3 knowledge 3 motivation or traits defend terms of t$e

be$aviours needed for successful ?ob performance.

8$e t$eory of be$aviours event of interview is simple its consider t$e best way for organisation to

predict an individuals future be$aviour and performance is to $ave t$e individual talk about t$eir past

competencies be$aviour and performance'


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$EHAVI#%R EVENTINTERVIE& C)I >uestion s$ould be designed so t$ey evoke responses t$at are based wit$in t$e interview

t$e interview must also review and agree upon t$e measurement from t$ey will use daring t$e

interview to take notes and measure eac$ interview.

9O4 6O uestion

SSI8B28IO! K details t$e background provides a context w$ere 5 4$en 5

882S K describe t$e c$allenge and expectation w$at needed to be done 5 4$y 5

22;8IO! Kelaborate your specific action w$at did you do 5 9ow 5w$at took did you see5

&&)SBH8 Kexplain t$e result accomplis$ment recognition 3saving 3etc >uantity S82&

tec$ni>ue to answer be$avioural interview >uestion


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$EHAVI#%R EVENT INTERVIE&

9ere is some >uestions for be$aviours event interview

*. 6escribe t$e system you use to keep track of multiple pro?ect5

1. 8ell me about a time w$en you come up wit$in innovative solution to a c$allenge5

0. 6escribe t$e most creative work related pro?ect you $ave completed5

9ere is some tips for candidate appearing for C)I

C) ;O!FI6)!8

))# #OSI8I7) OB8HOO

:I7) 2 SBI82CH) &)S#O!S)

HIS8)! ;2&)FBHHuestiontomorrow 5 4$at can I

point too


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L#(AL ST#RE )ARKETING

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local store marketing is a specific plan targeted to a specific group of potential customer wit$in a

trading area to create awareness and initiate trial purc$ases of your product or service wit$ potential

purc$ases customer rig$t in your own backyard t$e 0-L miles radius around eac$ store location.

49< I8S HO;2H S8O&) M2&)8I!: IS IM#O&82!85

local store marketing Is one of t$e most cost effective and proven tools to ac$ieve long term

business relations$ip wit$ customer and community.

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)n$ance t$e store image in t$e community

Increase customer loyalty

Cuild brand awareness

:row store traffic 3 sales and awareness

6evelop involvement and recognition wit$in t$e local community.


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L#(AL ST#RE )ARKETING M2&)8I!: #2&8!)&SK

8$e key of success local store marketing is creating community partner .

Cusiness and non business organisation

#otential customer in trade area

&eferences of yellow pages

;$amber of commerce

Hocal community news papers Cuilding department

#BCHI; &)H28IO! 2!6 HO;2H S8O&) M2&)8I!:K

2n effective public relation programme consists of regular contact wit$ t$e editorial community .regular

contact wit$ t$e editors to keep t$em informed about product 3business and direction keeps t$e business in t$e

news and t$e brand top of mind wit$ customer.

9O4 6O)S I8S 4O&5

Hocal store marketing is an on going process intended to build sales overtime in new store target store or any

store it re>uires a consistent on going efforts and commitment.

Hocal store marketing plans s$ould be specific 3 measurable 3 planned 3coordinated 3 executed all year long

wit$ every store consistently.


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L#(AL ST#RE )ARKETING9O4 6O)S HO;2H S8O&) M2&)8I!: 4O&5

If one builds or open a store expecting guests to come in automatically becoming loyal guests

immediately t$e store will suffer . It is about building relations$ip giving back to t$e community

creating avenue for activity of entertainment and serving need of customer.

9O4 6O


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L#(AL ST#RE )ARKETING

I6)!8I8uickly to

c$anging local trends and t$e competitive landscape.


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WELOUNGE


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MR DEBASIS PODDAR(E# #* $#)$AY DYEING


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$#)$AY DYEING H)2&!I!:K

From t$is video I understand various point as $e spoke about $is ?ourney

8extile is t$e one of t$e oldest industries

One of t$e earliest to come into existence in India 3account for *Jof total industrial production

contribution to nearly 0+Jof t$e total export and is t$e 1ndlargest employment generator after

agriculture.

It is a uni>ue position as a self reliant industry from t$e production of row material to t$e

delivery of finis$ed wit$ substantial value addition at eac$ stage of processing Qit is a ma?or

contribution to t$e country economy

M& 6)C2SIS #O662& K;)O OF 89) COMC2< 6


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$#)$AY DYEING 2 ?ourney in career is of rewarded but pain also and success is w$en t$e former outs$ine t$e

letter.

Sincerity 3 $onesty and $ard work is necessary for a sustainable growt$ in once career .

)xposure is very important for experience and self confidence.

8$ere is a $uge c$anges in textile business due to tec$nology .

;$allenges always remain 3only t$e form of c$allenges c$ange t$roug$out once career and t$e

industry a like. ;ost competitiveness $as been a crucial factor in textile industry.

Importance to $ave a profitable 3sustainable business as well as $ave strong ;S&.

;$ina is t$e biggest competition to India in t$e global textile industry t$e ot$er are Indonesia 3

#akistan and orea.

Innovation is an investment for a company and not a spending.


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$#)$AY DYEING

8$e greatest market for $ome textile export is BS and )urope.

;onsumer awareness is muc$ $ig$er t$an before and $ence t$eir expectation and demands

are $ig$er.

Innovation is various aspects is $ence very important to sustained and succeed in business.

Hearning and information flow is a two way process between senior and ?unior and s$ould

facilitated.

4almart and Ikea $ave different operating models and $ence are no t$reat to Indian textile

manufactures.

Real 3 a positive attitude 3 communication and a confidence in once point of view is

importance for a candidate to be selected into ?ob.

2 leader s$ould always lead by action and example .

6o w$et ever you do wit$ pride.

8$e internet is going to be t$e biggest marketing tools in t$e near future.


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DH*L)R ANIL SA(HINAND-(E#


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DH*L6)42! 9OBSI!: FI!2!;) ;OO&28IO! HIMI8)6H)&!I!:K

6ewan $ousing finance corporation limited is t$e second oldest $ousing institution in I!6I2 is

t$e flog s$ip company of 4269242! :&OB# wit$ a network of 1/office in 6ubai 3 B2) and

HO!6O! 3 B 69FH is among t$e most respected and trusted financial institution in I!6I2.

2s on 0*stmarc$ 1+** t$e assets base of 69FH stood at I!& *1* ;&O&) on September

0+31+** wit$ a national wide customer base.

Mr !nil %achinand K

2 well known pioneer in t$e mortgage finance industry .

Toined 69FH year back as a management trainee and progressed to t$e role of national manager

in *+ years and $ow t$e ;)O3 took 69FH from an office in MBMC2I to a national foot print of

L/ office.Served as $ead of retail mortgage at I6CI Cank and as business 9ead of mortgages at 96F;

Cank.

9andling a balance s$eet of 0+++ crore at 69FH.


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DH*L

69FH is $ousing finance company t$at $as taken t$e road less travelled.

8$e ?ourney began on t$e **t$2pril * &a?es$ umar 4ad$wan began $is mission to give

easier access to $ousing loans on fair terms.

8$e founder c$airman saw t$e owning of a $ome as a critical element to t$e building of

identity and confidence of every Indian

For 1 year now 3 6ewan $ousing finance corporation ltd $as been driving $ome t$e

advantage of $ome owners$ip to Indian consumers.

2cross all socio economic strata and providing t$em wit$ financial access

69FH is present in over 1/ location across India

8$e company aggressive plans to expand even furt$er into t$e $interlands of I!6I2 to take

t$is dreams to every common man of t$e country.


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DH*L 8$e $ousing finance sector in I!6I2 $as no doubt experienced unprecedented c$anges in its

structure from its formulation .

8$e structure of t$e Indian finance market rapidly c$anged wit$ t$e arrival of commercial

banks in t$e late nineties.

8$ese banks wit$ t$eir aggressive marketing and pricing strategies $ave now overtaken t$e

$ousing finance companies wit$ /L.LJs$are in total loan disbursement wit$ t$e liberalisationof t$e $ousing finance sector and development like t$e introduction of mortgage backed

securities in t$e markets.

4e are increasingly moving towards t$e market structure w$ic$ exist in t$e more mature

markets.


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DH*L H)2&!I!:

Ce patient do not expect t$at t$eir s$ould be a cabin next day of t$at starting working it $as to

efforts to go into actually owning t$at cabin

&ig$t time to rig$t element putting you want to give3 try to always upgrade your self.

9elping some one assisting to some w$o full some ones dreams muc$ more in grown w$o

wants t$eir own $ouse. It is very important to demonstrate wit$ a unc$allenged crucial and a sincerity dedication and

petition.

4$en we start our ?ourney please believe in your self and appreciate assets because w$en u

start life as full commercial t$at you terms of getting salary 3 bonus or growt$ or terms of

appraisal but at same time you look at your self $as an individual knowledge because of all

experience t$at is very important.


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GODREJ)R RA)ESH (HE)$ATHAVP AND HEAD STATERGI( )ANAGE)ENT


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G#DREJ

9e comes wit$ 1+ plus years marketing and sales

9e $as extensive experience in $andling large retails store formats.

9e $as worked wit$ 2ditya Cirla group draft F;C Blka advertising and :arware polyster ltd.

9e is well known personality in t$e industry and a soug$t after speaker in industries forum.

*L t$e summer $eat easier :odre? appliances makes t$e very first refrigerator in India 3 fast

forward to today

)on is bringing you cool new features to meet todays need.

8$eir addiction to innovation is an old story t$ey launc$ed #BF ,#olyuret$ane

foam"tec$nology way back in +s created *++J ;F; free fridge muc$ before green got

fas$ionable and added colourful door to t$ese cooling mac$ines and so on

4e continue moving forward. !ot ?ust wit$ refrigerator 3 also 676 player was$ing mac$ine

3air conditioners microwave ovens and television and more.

:odre? appliance $as also been voted t$e most trusted brand :OH6 242&6)6,readers digest

consumer survey"


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G#DREJH)2&!I!:S

)very stage of life look back 3so every stage you earn so muc$ 3every day you s$ould learn.

Strongly believe in culture of organisation kind of work of environment its play a large role in persons to being a

work

.

uick company is t$at t$ey >uit bossesE you need to $ave good bosses 3but $aving sense you not

$aving 3 u donGt $ave good c$oice of t$at it also $ow muc$ efforts you put or $ow muc$ a welling to learn your

bosses.

Organisation always fell like a family.

Sincerity 3 $onesty 3and $ard work 3 is necessary for a sustainable growt$ in once career.


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G#DREJ 2##HI2!;) I!6BS8&I)SK

It is said t$at t$e world $as c$ange more in t$e last *+-*L years t$en in t$e previous *++ years

or more.

8$is p$enomenon is foe more pronounced w$en its come to India.

9ig$er disposal income connectivity to t$e world and being part of first growing economy

makes Indian feel proud 3 but t$e very same situation $as become 2ngier more for one

fraternity t$e consumer market.

&apidly c$anging demograp$ic and psyc$ograp$ic of t$e Indian population is opening up new

opportunity and posing new c$allenges for t$e marketers.

One area w$ere we see t$e effect of t$is c$anges is in appliance retail 3 t$ere is no longer one

solution for all and it $as become imperative to get know consumer at close >uarter to be able

to tack to t$em meaningfully.


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NEWS WIRE

A) I *#LL#&ING %P T## )%(H


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A) I *#LL#&ING %P T## )%(HIN )Y J#$ SEAR(H+

8$e ?ob interview youGve been preparing for is over and you can now relax except now comes

t$e $ard partK waiting for feedback.

One way to increase t$e odds of landing your dream ?ob is to follow up in a professional manner

6uring and after t$e interview process3 you want to come across as interested wit$out appearingto be desperate or needy.

I reali@e it could be frustrating to wait a couple of weeks if youGre actively interviewing3 but t$einterview process could easily take a couple of mont$s.

8$e employer $as to get t$roug$ 2HH t$e interviews and decide if t$ey $ave enoug$ goodcandidates to c$oose from. )ven if t$ey feel good about you3 sometimes t$ey mig$t $ave tointerview internal candidates w$oGve applied at t$e last minute or anot$er external candidate $asapplied and needs to be sc$eduled for an interview.

I remember one situation w$ere a ?ob seeker $ad a good interview and we $ave given $er atimeline of -*+ days of waiting for feedback as s$e was t$e first out of six candidates to beinterviewed.

S$e was very keen on t$e ?ob so every day s$e waited must $ave seemed like eternity. S$eGsdecided to try to pus$ for some feedback and emailed not ?ust myself ,twiceU" but also t$e $iringmanager.


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S$e was very keen on t$e ?ob so every day s$e waited must $ave seemed like eternity. S$eGsdecided to try to pus$ for some feedback and emailed not ?ust myself ,twiceU" but also t$e$iring manager.

I know you mentioned you were $oping to make a final $iring decision by t$e end of 2pril3 andI wanted to follow up and see w$ere you are in t$at process.E

In summary do follow up to continue to s$ow your ent$usiasm for t$e position3 but donGtmake it seem as t$oug$ you are desperate.

In your t$ank you letter3 do s$ow appreciation for t$e employerGs interest in you and do remind

t$e employer about w$y you are t$e perfect person for t$e position.

Finally3 donGt stop ?ob $unting3 even if you feel confident t$at you will get a ?ob offer. 6ocontinue to interview and attempt to find ot$er opportunities until you get an offer.


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THE $EST ADVI(E *#R A (AREER (HANGEIf youGve been out of work for a w$ile3 you may decide w$at you need is a career c$ange. 8$esuccess of t$at approac$ depends on your answers to five important >uestions.

First3 are you considering a c$ange because you do not like your current work situation5 It maymake more sense to look for anot$er work situation t$an to leave your career.

8$e Cest 2dvice For 2 ;areer ;$ange

2s a ;oac$ and #rofessional &esume 4riter for more t$an *+ years3

I $ave found many folks w$o confuse un$appiness wit$ t$eir current situation as un$appiness wit$t$eir career c$oice. 8$ere is a difference. I can $elp you determine w$ic$ c$ange is rig$t for you.


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Second3 if you $ave any doubts about a career c$ange3 are you sure you $ave ex$austed everyavenue to advance in your current career5

8$ird3 if you are determined on a c$ange3 are you moving into a career you can feel passionateabout5 If you are depressed about t$e prospect of c$angeVfor example3 if you are leavingbe$ind t$e only work t$at gives you ?oyVyou cannot present yourself well at interviews.

ualify for t$e career you want5

2 career c$ange s$ould be exciting and fulfilling% not stressful.


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S(ALE AND I)PA(T S%PER(HARGING THES%((ESS #* Y#%R INN#VATI#N E**#RTS 9ow do innovation leaders access additional resources to en$ance t$e scale and impact of t$eir

efforts across complex3 global organi@ations5

I recently $ad lunc$ wit$ a friend3 w$o is t$e global innovation lead at a large3 w$ite-collarorgani@ation. 8$is guy is smart as a w$ip3 engaging3 fun and DgetGs itE more t$an most.

4e were talking about $is program and some of t$e innovation focused activities t$at $e leads.

Hike many innovation program leads3 $e $as a very small team wit$ a broad set of ob?ectives. In

$is case3 $e aims to engage a globally disbursed employee base3 launc$ several new ideas every

year t$at generate a financial impact3 and ultimately create a more innovative workforce. Sounds

easy3 rig$t5

2s we talked3 it seemed to me t$at $is teamGs efforts are largely focused on coordinating

innovative activities and findings ways to move ideas forward. 6uring our conversation $e kept

referencing a lack of resources to work on ideas3 eit$er t$roug$ $is own group or ot$er product =

process development groups.


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I see t$is situation a lot3 w$ere innovation program leaders are trying to provide a broad impact

across complex3 globally disbursed organi@ations3 but t$ey continue to play by t$e standard3centrali@ed rules of business. In my opinion t$e world is c$anging around us3 and as personal

models of interaction and resourcing s$ift3 t$e business world is catc$ing up.

2fter lunc$3 I got to t$inking about w$at is $olding back innovation leaders from looking at

alternate resource models3 as opportunities to increase t$e capacity for idea development and

execution. I came up wit$ a fewK

&HI(H ARE THE P#P%LAR


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&HI(H ARE THE P#P%LARST#(K E.(HANGE IN INDIA+ Bntil a few years back we $ad a number of stock exc$anges in t$e country3 w$ere companies

after t$eir successful I#Os or public issues got t$eir s$ares listed.

2 number of regional stock exc$anges were establis$ed largely to enable investors to buy and

sell s$ares as t$ere was no electronic trading nor demat accounts.

4$at t$is meant was t$at if you were staying in t$e city of Cengaluru3 you would $ave to place

an order wit$ t$e broker or sub broker w$o would visit t$e stock exc$ange and buy t$e s$aresfor you.

8$e emergence of t$e !ational Stock )xc$ange completely c$anged all t$is. From trading in

p$ysical s$ares and going to t$e exc$anges3 investors were able to sit in t$eir room and trade

s$ares over t$e internet as t$e telecommunications revolutioni@ed trading. 8$is was possible

because of electronic trading

S28 or 7ery Small 2perture 8erminal used by t$e !ational Stock )xc$ange $elps investors to

trade t$roug$ a satellite network. 8$e need for visiting t$e exc$anges was not felt. So3 you

could buy a stock t$roug$ t$e !S) sitting in any part of t$e country. 8$is meant t$ere was

virtually no need for regional stock exc$anges and most of t$em died a slow deat$.

8oday3 t$e exc$anges t$at revolutioni@ed or c$anged managed to survive. 8oday3 t$e t$ree

popular exc$anges in t$e country include.


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*. #he ational %tock E3change

8$e !ational Stock )xc$ange ,!S)" is by far t$e largest stock exc$ange in t$e country wit$ a

solid network. 8$e !S) was set up by a number of top domestic institutions in t$e country.

!S) $as leased lines and 7S28s spread across almost every city in t$e country. 8$is makes its

network very expansive. One can trade in futures and e>uity s$ares t$roug$ t$e exc$ange.

8$e !S) was also at t$e forefront in creating t$e !ational Securities 6epository of India w$ic$

$elped in creating electronic s$are certificates and eliminated t$e disadvantages of t$e p$ysical

certificates.

Since starting operations in 1++3 t$e !S) $as completely revolutioni@ed t$e way investorstrade in t$e stock markets by $elping to go electronic3 create demat3 reducing costs and

bringing about transparency.

1. ombay %tock E3change

8$e Combay Stock )xc$ange is t$e oldest stock exc$ange in t$e country establis$ed in *L. It

was t$e largest stock exc$ange in t$e country but over t$e years $as ceded ground to t$e !S).8$e CS) $as t$e $ig$est number of companies listed on t$e exc$ange at around LL++. !o stock

exc$ange across t$e globe $as t$ese many number of companies listed on t$eir exc$anges.


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Over t$e years3 CS) >uickly adapted to c$anges and ensured t$at it c$anges along wit$ t$e

times and keeping in tune wit$ t$e !S).

8$e CS) also provides a $ost of services including clearing3 settlement3 education and market

data services

0. M-4 %tock E3change

8$e M;P Stock )xc$ange is t$e newest stock exc$ange in t$e country establis$ed a few years

ago. It was promoted by t$e M;P3 a commodity based stock exc$ange. It $as still to catc$ up

wit$ peers like t$e !S) and CS)

*##D (#%P#NS IN INDIA


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*##D (#%P#NS IN INDIA%NDERSTANDING THE TA. E.E)PTI#N#N THE)

One of t$e popular tax breaks t$at are allowed under t$e Income 8ax 2ct are t$e food coupons

or meal vouc$ers.

Food coupons or meal vouc$ers are tax exempt up to a limit of &s L+ per meal. Suc$ a meal

vouc$er issued by a company to its employee s$ould be used only during working $ours and is

restricted to two meals per day.

8$is works to &s *++ per working day3 as its generally assumed t$at an individual would $ave

two meals during a working day.

Hets assume t$at if an employee consumes two meals a day using meal vouc$ers in a working

day and works for 1L days in a mont$3 t$en meal vouc$ers can be tax exempt only to t$e extent

of &s 13L++ per mont$ ,&s. L+ per meal x 1 x 1L days".

!ow meal can be eit$er breakfast3 lunc$ or dinner. Its also important to note t$at t$e meal

vouc$ers issued to employees are non-transferable and s$ould be used at restaurants and ot$er

eateries.


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2 lot of retail outlets now accept food coupons as payment for groceries. 9ere are a few lines

directly taken from t$e Income 8ax 2ct3 w$ic$ covers provisions relating to food coupons or

meal vouc$ers.

W#rovided t$at not$ing contained in t$is clause s$all apply to free food and non-alco$olic

beverages provided by suc$ employer during working $ours at office or business premises or

t$roug$ paid vouc$ers w$ic$ are not transferable and usable only at eating ?oints3 to t$e extent

t$e value t$ereof eit$er case does not exceed fifty rupees per meal or to tea or snacks provided

during working $ours or to free food and non-alco$olic beverages during working $ours

provided in a remote area or an off-s$ore installation.W


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&HAT IS A )#NETARY P#LI(YREVIE&+

Monetary policy deals wit$ management and supply of money and credit in t$e economy. It refers to t$e actions of a central bank or ot$er regulatory committee t$at determine t$e si@e

and rate of growt$ of t$e money supply3 w$ic$ in turn affects interest rates and economic

growt$.

It is so designed to maintain t$e price stability and direct economic growt$ in t$e economy.

In India3 t$e central monetary aut$ority is t$e &eserve Cank of India ,&CI".

8$e &CI announces a credit policy every periodically3 w$ic$ aims to balance economic growt$

t$roug$ actions by increasing t$e interest rate3 or c$anging repo rates ,rates at w$ic$ t$e &CI

lends to banks in t$e s$ort run" and reverse repo rates ,rates at w$ic$ banks lend to t$e &CI."

Ob?ectives of a monetary policy reviewK

8$e main ob?ective of a monetary policy review is to attain economic growt$3 price stability3

trade balance and exc$ange rate stability


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*hy is it necessary to review5

Often3 inflation in an economy like India spirals out of control. In suc$ cases it is necessary for

t$e &CI to tame inflation by increasing repo rates3 w$ic$ generally nudge interest rates upward.

4$en interest rates move up3 people borrow less and $ence it is possible to reign in inflation.

9owever3 inflation cannot be controlled only by monetary measures3 as t$ere could be supply

side issues. 8$e problem wit$ controlling inflation using monetary tools3 is t$at it invariably

$its growt$.

So3 w$en t$e &CI increases repo rates to fig$t inflation3 it increases interest rates3 w$ic$ could

slow economic growt$.

8$e predicament central banks face during a monetary policy review is $ow to balance growt$

and inflation.

&educing interest rates could spur growt$3 but could lead to inflation. On t$e ot$er $and

increasing rates could lower inflation3 but reduce growt$ rates in an economy3 as people borrow

less w$en interest rates are $ig$.


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8$e ot$er tools t$at are used include t$e cas$ reserve ratio ,;&&"3 w$ic$ is used by t$e &CI to

control li>uidity pressures in t$e banking system.

4$en t$ere is a severe li>uidity crunc$ in t$e banking system t$e &CI cuts t$e cas$ reserve

ratio ,a proportion of bank deposit aggregates t$at banks $ave to keep wit$ t$e &CI".

4$en t$is re>uirement is reduced it infuses fres$ li>uidity into t$e banking system. 8$e ;&&

rate at present is .LJ3 a L+ basis points cut leads to infusion into t$e banking system

Statutory Hi>uidity &atio ,SH&" is also a vital tool for &CI3 w$ere in t$e financial institution

must maintain li>uid assets suc$ as precious metals like gold or ot$er approved securities as

reserves ot$er t$an t$e cas$ wit$ t$e &CI.

8$e reduction in SH& will infuse li>uidity and boost t$e economic growt$. &ecently3 t$e &CI

cut SH& by *++ basis points to 10J to increase li>uidity t$at can $elp bankers cut lending rates.


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T# GIVE )#$ILE $ANKING A *ILLIP $ANKS T#LD T# $##ST %SER A&ARENESS

Bndertake customer education t$roug$ different communication c$annelsK &CI body

Hack of awareness as well as standardisation of procedures $ave added to t$e problem of slow

pick-up of mobile banking services3 according to t$e Canking ;odes and Standards Coard of

India ,C;SCI".

Canks $ave3 t$erefore3 been advised by t$e &eserve Cank of India to undertake customer

education and awareness programmes in multiple languages t$roug$ different c$annels of

communication V 28Ms3 self-service kiosks3 Internet banking websites3 SMS and emails V to

popularise t$e process of mobile banking registration=activation and its usage.

2s banks $ave started offering mobile banking services at different points in time3 t$ere are

differences in procedures adopted for registering customers for mobile banking as well as int$e c$annels of delivery and aut$entication process3 said C;SCI.

C;SCI as set p b t$e &CI in 1++/ as an independent and a tonomo s bod to ens re t$at t$e


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C;SCI was set up by t$e &CI in 1++/ as an independent and autonomous body to ensure t$at t$e

common person3 as a consumer of financial services from t$e banking industry3 is in no way at a

disadvantageous position and actually gets w$at $e=s$e $as been promised.

Mobile penetration in t$e country is now significantly $ig$ at around 0 crore. 2s on May 0*3 1+*3

/ banks $ad been permitted by t$e &CI to launc$ mobile banking services.

Slow adoption In F< 1+*0-*3 w$ile t$ere was growt$ in t$e number of mobile banking transactions3 in value terms

it was flat. 8$at is3 mobile banking services $andled .L crore transactions valued at around 5/3+++

crore in 1+*0-*3 w$ereas in 1+*1-*03 L.0 crore transactions valued at around 5/3+++ crore were

transacted.

In a speec$ in late Tanuary3 SS Mundra3 6eputy :overnor3 &CI3 observed t$at w$ile t$ere is a lot of

eup$oria around t$e adoption of mobile banking and mobile payments3 t$e model $as been relativelyless successful barring a few countries w$ere t$e rig$t environmental factors existed. In t$e Indian

context3 an ob?ective analysis would reveal various reasons for slow adoption. D%8$ere are tec$nical

issues like type of $andsets3 variety of operating systems3 encryption re>uirements3 inter-operable

platforms or t$e lack of it3 absence of standardised communication structures3 difficulty in

downloading application3 time lag in activation3 etc.

8$ese get accentuated by t$e operational difficulties in on-boarding merc$ants and customers andcustomer owners$ip issues3E said Mundra.

8$e 6eputy :overnor pointed out t$at t$e interplay of t$ese factors $as stymied t$e deployment and

adoption of mobile banking as an effective and widely accepted delivery c$annel.

Issues of coordination and cooperation between banks and telcos3 according to Mundra3 are ot$er

factors w$ic$ act as eit$er a driver or a barrier to t$e adoption of mobile banking.

(REDIT (ARDS &HAT Y#%


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(REDIT (ARDS &HAT Y#%SH#%LD KN#&Canks are increasingly coming up wit$ contactless debit and credit cards. I;I;I Cank3 96F; followed

by SCI launc$ed t$e contactless cards.;ontactless cards will $ave contactless symbol on t$e cards. Bsing t$e card is simple and t$ere is no

need to type your #I! in t$e swipe mac$ine.

Suc$ cards use t$e tec$nology called !ear Field ;ommunication ,!F;" tec$nology for faster payment.

9ow to use t$e card5

If t$e card is $aving contactless symbol wave t$e same at t$e reader wit$ your contactless card. 4$enyou see t$e green lig$t and $ear t$e beep it confirms successful payment.

;ontactless debit card can also be used as 7isa debit card for making $ig$er amount purc$ases wit$

input of your #I!.

One can use t$ese cards w$ere t$e retailers $ave contactless readers.

Canks will facilitate t$e lower per-transaction limits. 8$e responsibility for aut$ori@ing t$e contactless

payment based on suc$ card-based limits will lie wit$ t$e card issuing banks.

9ow many suc$ small value transactions will be allowed in a day = week = mont$ can be put in place by

banks as 2 Few 8$ings 8o Ce ;areful 2bout

;ustomers can use t$e card in contactless mode means wit$out #I! aut$entication for transactions up

to &s.1+++=- in locations w$ere contactless payments are accepted.

now t$e procedure of reporting of lost=stolen cards3 w$ic$ can be accessed t$roug$ multiple c$annels

via website3 p$one banking3 SMS3 I7&.;onsidered appropriate.


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IS (REDIT (ARD AGAINST *I.ED DEP#SITS AG##D PR#P#SITI#N+ Individuals w$o are desperate for credit card and fail to meet t$e eligibility criteria to avail a credit

card. Cut3 t$ey can look for t$is option t$roug$ anot$er route.

Only some banks are providing t$is facility to customers w$o will get instant credit card by

opening a fixed deposit wit$ bank.

Individuals w$o $ave low credit $istory3 w$o are self employed or w$o $ave been re?ected wit$

credit card application can open suc$ Fixed deposits. 8$e credit limit depends on t$e fixed deposit

amount.

!ow3 let us $ave a look at some features offered by banksK

*" "-"-" ank

8$e ;ard$older eit$er singly or ?ointly wit$ Second Fixed 6eposit 9older s$all be re>uired to

maintain=place a Fixed 6eposit of minimum &s 1+3+++ amount wit$ I;I;I Cank.

Interest rate on credit card will be 1. per cent per mont$.


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8$e ;redit limit will be L J of fixed deposit value 3sub?ect to maximum of &s 0 lac.

8$e credit limit on t$e Instant ;redit ;ard s$all be eig$ty five percent ,LJ" of t$e Fixed 6eposit amount3

sub?ect to minimum credit limit of &s *3+++ and maximum of &s L lak$s.

8$e fixed deposits opened = placed by 9BFs3 partners$ip firms3 minors s$all not be entitled for Instant;redit ;ard.

8$e Instant ;redit ;ard s$all be activated post lien is marked on t$e Fixed 6eposit.

1" %" !dvantage $lus -ard

;redit limit will be L per cent of your F6.

Interest rate will be 1.1L per cent every mont$.

Toining and annual fees are &s L++.

0" !3is ank

indly note t$e minimum Fixed 6eposit re>uirement for issuance of Insta )asy ;redit ;ard is &s 1+3+++

and maximum of &s 1L3++3+++.

Insta )asy ;redit ;ard cannot be issued against 8ax Saver F6s3 Flexi-6eposits ,2uto-sweep F6s"3 F6s in

t$e name of 9BF=society=trust=companies. Insta )asy ;redit ;ard cannot be issued to minors. Toining Fee &s.L++.

Finance ;$arges ,&etail #urc$ases A ;as$" 1.L+J per mont$,0.J per annum"

4$at are t$e disadvantages5

If t$e card$older fails to repay t$e amount on time3 t$e amount will be repaid from your fixed deposit.

8$is means t$e depositor cannot break t$e F6 as long as $e $olds t$e card.

0 $ENE*ITS #* HAVING


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0 $ENE*ITS #* HAVING)%LTIPLE SAVINGS $ANKA((#%NT

Managing finances mainly depend on $ow you $andle your savings and build your wealt$. If you are

$aving multiple financial goals3 t$en $aving multiple savings account could be beneficial. 4ealt$ can

be created only if you stop tapping your savings fund despite your needs. In suc$ cases3 better to

$ave an emergency fund w$ic$ can $elp you overcome s$ort term commitments. 9ere are some of

t$e benefits of $aving multiple accounts.

*" %eparate !ccount for /ifferent ,inancial 0oals2

Set different account for different purposes3 suc$ as emergency fund in a near by account w$ere

accessing account is easy. Separate account for your funds tied to various s$ort- and long-term

savings. ;lick to know t$e difference between a savings and a current account.

6) Having High alance -onsidering /"-0-

If you $ave $ig$ balance t$en it is better to diversify amount into different account3 as deposit

insurance and credit guarantee corporation ,6I;:;" insurance covers eac$ depositor up to &s * lak$.

So if you spread your money in different banks and branc$es you tend to minimi@e risk.


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0" "nterest Rate enefit

2s per Income 8ax rule3 8ax is deducted at source by t$e bank if t$e interest income

accumulates above &s *+3+++ per account. It is better to avoid to put all your money in t$e

same bank. 6epositing money in different banks will $elp in non deduction of 86S. 9owever3

interest on savings account is tax exempt to t$e tune of &s *+3+++.

" Multiple enefits and Options

4$ile3 you can en?oy different rates provided by different banks3 using different bank 28Ms

are c$argeable3 and number of free transactions are also reduced and t$us $aving multiple

accounts could be $elpful.

L" *ithdrawal of Money

2s t$ere is a per day limit applied to 28M wit$drawal3 $aving more t$an one account is

definitely going to be $elpful during wit$drawal of funds. 4it$ t$e $elp of !)F8 and &8:S

you can transfer funds wit$ minimum fees.

4it$ $aving multiple accounts3 one needs to always keep track of all t$e accounts. :o online

and c$ecking your accounts. Bpdate your latest mobile number and address at t$e banks.


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THANK

YOU

Documents

VIVA Presentation Priyanka Patel- HPGD-JL14-1318