Kurukshetra Instiutte of Technology and Management

Great brands are built on great conversations. To have an effective communication
with the customer it is must to understand them and their media consumption
pattern. Today’s youth, especially urban is the
most complicated target segment in
the market, because of their exposure to a variety of media, low attention span,
unconventional norms & wide interests. To complicate the situation they have the
power to escape... they can escape ads, they can tune in
to a million other channels,
they can buy a billion other products, they can publish a blog about a brand, they
can have instant word
-
of
-
mouth (good and bad) on it from the web, they can be in a
store and punch in product information on their cell phone an
d find out who else has
the product and for how much.
Despite difficulties, the great potential that this segment holds is the only attraction
for the marketers that they cannot afford to overlook this segment, as it is the largest
market segment in the I
ndian market. Marketers are always chasing their attention,
wherever they go and whatever they do. The basic task involved in the development
of media strategy is to determine the best matching of media to the target market, given the constraint of the bu
dget Belch & Belch(2006)
1
. The media planner attempts
to balance reach & frequency & deliver the message to the intended audience with a
minimum waste of coverage.
So, a research to study the media consumption pattern of the young urban customers
can
prove to be very useful in designing media strategy to have an effective
communication with them.

Insurance sector in India has been emerging at a high growth rate. Til
l December 201
2
, it has
contributed up to 6
.1
% to country’s GDP. Being a part of service sector it is expected from
insurance companies to provide lot of statutory and flexible benefits along with the customer
convenience facilities.
The aim of all types o
f insurance is to compensate the owner against
loss arising from a variety of risks, which he anticipates, to his life, property or business.
Insurance is mainly of two types: life
and general. And a
n insurance policy is the contract
between the insurer an
d the insured, which states the risks covered, the exclusions, if any, and
the benefits reimbursed on the happening of an event like death, illness etc. The policy is paid
through premium, which is a set amount that must be paid by the insured on a monthly
, semi
-
annual or annual basis.
The current paper is an attempt towards measuring the gaps between expectations of
customers and services as perceived by them from their respective insuring companies. This
study is based on SERVQUAL model using five parame
ters
–
tangibility, reliability,
respon
siveness, assurance and empathy. This study covers 500 customers of private insurance
companies covering 7 district of Haryana i.e. Karnal, Panipat, Kurukshetra, Ambala,
Yamunanagar, Kaithal, Panchkula.

In the past decade, the Indian marketplace has transformed dramatically. However from
the
1950’s to the 80’s investments in various industries was a limit due to the low purchasing power
in the hands of the consumer and Governments policies favoring the small
-
scale sector.
Today
we are using the services and products of MNCs. The all cred
it goes to Dr. Manmohan Singh,
Prime minister, who has started the LPG program in 1991. Indian market is one of the largest
markets with high purchasing power.
India in 1997 allowed foreign direct investment (FDI) in
cash and carry wholesale. Then, it requ
ired government approval. The approval requirement was
relaxed, and automatic permission was granted in 2006. Between 2000 to 2010, Indian retail
attracted about $1.8 billion in foreign direct investment, representing a very small 1.5% of total
investment
flow into India. There is l
ots of work to be done in the field of logistics & supply
chain management. It is not possible for Indian government alone to developed world class
infrastructure and other allied facilities because of huge investment requiremen
t. FDI in India
has in a lot of ways enabled India to achieve a certain degree of financial stability, growth and
development. In order to create new & more jobs, FDI is the success mantra now. The further
step is again taken by Dr. Manmohan Singh in Decem
ber, 2012 allowing the FDI in Retail sector
100% in single brand and 51% in multi brand business. This step will encourage the foreign big
and organized retailers like Cash and Carry, Wal
-
Marts in India. This step will be a success stone
in the economy of
the India. FDI no doubt is creating innovation in retail sector but
simultaneously it may pull down the local and domestic retailers of India which is surely a
concern to worry about for Indian government. In this research we have just tried to bring down
maximum thoughts in lieu of FDI and form a constructive view over it.

The Indian Economy has seen so many up and down in past few years. Our economy drastically changed after the reforms taken place in 1991.This research paper throws light on the trends on India's economy in last few years, especially in the area of bank's lending either to government or public. It is a notion that all was not good before the 'reforms' and all began to change thereafter. It is important to understand the nature of the economy, need for reforms and thus the impact of change on the development. India is primarily an agrarian based economy. India's first and initial reforms postindependence were launched in the backdrop of a crisis situation. The development of industries which could be used for improvement and modernization of the agrarian economy. The research paper studies the trends in the Indian economy and analysis the data regarding monetary and fiscal policy through quantitative research methodology.

Recent global financial crisis brings slowdown in the global real estate markets and lack of funding brought forward tough economic conditions before the major global players as well as Indian real estate developers. They were either postponing their projects or unnecessarily delaying them. It is very difficult to get finance for their projects. Indian developers can not solely depend on the finance through the banks and other financial institutions. To this extent, a thriving CMBS market in India would, in addition to augmenting the domestic investor base, allow foreign investors to invest in the Indian property boom, something they have been hither to unable to do on a large scale due to stringent Foreign Direct Investment (FDI) norms. Moreover, it will provide a more secure form of financing for developers in India. Through this research will assess the various risks which are associated with Commercial Mortgage backed securities (CMBS). A thorough study will be undertaken that how they (CMBS) were managed in the various Asian countries like China, Japan, Singapore, Korea, Taiwan, Hong-kong etc. How CMBS can provided an alternate source of financing to the real estate developers and how the pricing of these securities were done. Comparative study with the various countries will help in highlighting the usefulness and way to manage this new form of financing.

methodologies to be used, estimation procedures and analytical tools, interpretation of results. This chapter, A mutual fund is an entity that pools the money of many therefore, focuses on both theoretical and empirical literature investors and invests in different securities. Investments may to understand the need for regulation, the form of regulation, be in shares, debt securities, money market securities or a approaches to risk and performance assessment of funds and combination of these. Those securities are professionally also estimating cost functions. Mutual funds play a crucial role managed on behalf of the unit-holders, and each investor holds in reducing risk and transaction cost while investing in the a pro-rata share of the portfolio i.e. entitled to any profits when stock markets. The pioneering work on the mutual funds in the securities are sold, but subject to any losses in value as U.S.A. was done by Friend, et al., (1962) in Wharton School of well. There are lots of benefits in investing in mutual funds Finance and Commerce for the period 1953 to 1958. like; professional investment management, diversification, low cost, convenience, flexibility, liquidity and transparency Friend, et al., (1962) made an extensive and systematic study etc. Mutual funds are ideal vehicles for individual investor of 152 mutual funds and found that mutual fund schemes who don't have the time, willingness or ability to manage their earned an average annual return of 12.4 percent, while their own portfolio of bonds and stock.

Agriculture is the base of any country. It is a risky activity because it is done in open field and it takes time to be ready. Risk is an important aspect of the farming business. People involved in the agriculture live in uncertainties. The uncertainties inherent in weather, yields, prices, government policies, global markets, and other factors that impact farming can cause wide swings in farm income. There is an important role of the farmer in the economy of a country. We are large exporter of rice especially of Basmati rice and large producer of wheat. So, we need to protect the farmers from various risks associated with the agriculture. This paper is based on both primary and secondary data. The primary data is collected from the farmers with an aim to know about their views on the Pradhan Mantri Fasal Bima Yojana (PMFBY) and the secondary data is collected from various other sources.

Banks form the fundamental component of the financial system of any economy. Soundness of the banking sector is, therefore, essential for a healthy and vibrant economy. Nowadays, the financial system of the Indian economy is completely interlinked with the banking sector. If something goes wrong with the banking industry, the entire financial system will collapse. So, it is necessary to evaluate and measure the strength of the banking industry so that our economy improves efficiently. In this study, an attempt has been made to measure the financial position and performance of public sector banks, ranking them accordingly. For this purpose 21 Indian public sector banks have been taken into consideration, over a period of ten years, i.e. 2008-2009 to 2018-2019. The study is based on secondary data which has been collected through capitaline database and annual financial statements of the respective banks. The CAMEL model has been used to measure the performance of the banks. Findings ...

Tirunelveli district is basically agro based and agriculture is the main occupation of the people. It is situated on the banks of the River Tamirabarani. It offers vast scope for dairy farming, which is spearheaded by the Milk Producer's Cooperative Societies, which is popularly known as "Nellai Aavin" one of the largest dairies in the southern part of Tamilnadu. There are several studies relating to production and marketing of milk. But no single study has made an analysis of performance evaluation of "Nellai Aavin" Milk Producer's Cooperative Societies. It is necessary to study performance of "Nellai Aavin" Milk Producer's Cooperative Societies. Hence, the present study is undertaken to analyze the gross profit and net profit. The design of the study is based on financial data, which are published. The researcher personally collected all necessary data with the help of officials in the "Nellai Aavin" "Milk Producer's Cooperative Societies" in the study area. It is concluded that the overall performance on gross profit earned by the "Nellai Aavin" "Milk Producer's Cooperative Societies is growing in an increasing trend. It is further concluded that the overall performance on net profit/loss earned by the "Nellai Aavin" "Milk Producer's Cooperative Societies shows an increasing trend. It is concluded that the role of "Nellai Aavin" "Milk Producer's Cooperative Societies in Tirunelveli district has a significant role in promoting the economic development of members through employment in dairy farming, members' contribution to family income, savings and holding of asset position.

A mutual fund is a trust that pools the savings of a number of investors who share a common financial goal. The money thus collected is then invested in capital market instruments such as shares, debentures and other securities. The income earned through these investments and the capital appreciation realized is shared by its unit holders in proportion to the number of units owned by them. Thus, a mutual fund is the most suitable investment for the common man as it offers an opportunity to invest in a diversified, professionally managed basket of securities at a relatively low cost. The mutual fund industry in India was started in the year 1963 with the formation of Unit Trust of India. This industry was privatized in the year 1993. The wide variety of schemes floated by these mutual fund companies gave wide investment choice for the investors. Among wide variety of funds equity diversified fund is considered as substitute for direct stock market investment. In this research paper an attempt is made to analyze the performance of the growth oriented equity diversified schemes on the basis of return and risk evaluation. The analysis was achieved by assessing various financial tests like Average Return, Sharpe Ratio, Treynor Ratio, Standard Deviation, Beta and Coefficient of Determination (R 2). The data has been taken from various websites of mutual fund schemes and from amfiindia.com. The analysis depicts that majority of funds selected for study have outperformed under Sharpe Ratio as well as Treynor Ratio.