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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
4928 IS HO;2H S8O&) M2&)8I!:5
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.
;&)28)S 8OK
)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
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