http://10.9.150.37:8080/dspace//handle/atmiyauni/250 2026-04-30T22:22:56Z 2026-04-30T22:22:56Z Goswami, Himal Navnitgiri Dr. Alpa, Joshi http://10.9.150.37:8080/dspace//handle/atmiyauni/2335 2025-12-12T06:47:14Z 2025-08-01T00:00:00Z

Impact of Demonetization on Non Fund Base Income of Public Sector Banks in India Goswami, Himal Navnitgiri; Dr. Alpa, Joshi The Indian government revealed the demonetization of ₹500 and ₹1,000 currency notes on November 8, 2016, therefore eliminating more than 86% of the coins in circulation. Designed to fight black money, fake currency, and promote a move toward a digital and open economy, this abrupt and important policy change sought to do so. The statement resulted in quick turbulence in all industries, but particularly in the banking sector, which had to handle the operational load of currency conversion and a sharp increase in digital transactions. Although much research has been done on how demonetization affects cash flow, credit disbursal, and liquidity in the banking industry, its influence on non-fund-based income (NFBI), a main source of income for banks, is still somewhat unknown. The goal of this study is to close the gap between what we know and what we need to know by looking at how demonetization affected the NFBI of Public Sector Banks (PSBs) in India. NFBI is the money banks make from things besides interest, such as fees for using ATMs, sending money, keeping things in lockers, and other banking services, as well as commissions and service fees. Banks, particularly PSBs, are depending more and more on NFBI to preserve profitability and guarantee financial stability as competition gets tougher and interest margins drop. Given this backdrop, knowledge of how NFBI changes following a policy event like demonetization can help to direct future banking plans and reforms. Using a comparative and analytical method, this research looks at how NFBI trends altered both before and after demonetizing. It looks at a small number of big government-owned banks in India and uses data from yearly financial reports, performance reviews, and regulatory papers for the years 2013-14 to 2019-20. The data has been classified into two distinct phases: the pre-demonetization period (2013- 14 to 2015-16) and the post-demonetization period (2016-17 to 2019-20). The aim is to determine whether the NFBI of these banks was significantly affected by the demonetization policy and to what degree the change in income patterns could be ascribed to this policy intervention. The study looks at the variation in NFBI throughout the chosen time range using quantitative techniques including ANOVA (Analysis of Variance) and paired t-tests. These methods allow for a robust statistical analysis of whether observed changes in NFBI are significant or due to random fluctuations. Ratio analysis is another feature of the study whereby NFBI is computed as a percentage of total income for every bank. This permits a relative comparison that takes into account differences in general income levels.

2025-08-01T00:00:00Z Zala, Sanjay Kalusinh Dr. Divyarajsinh, Zala http://10.9.150.37:8080/dspace//handle/atmiyauni/2333 2025-12-12T06:00:17Z 2025-09-01T00:00:00Z

A Study on Financial Health of Selected FMCG Companies Of India by Using Data Envelopment Analysis Model Zala, Sanjay Kalusinh; Dr. Divyarajsinh, Zala India is among the rapidly growing economies globally, characterized by a large population and vast geographical area. Multiple sectors contribute significantly to the nation’s economic growth, and the Fast-Moving Consumer Goods (FMCG) industry is a key player among them. The FMCG sector plays a vital role not only in economic development but also in enhancing the everyday lives of people. The research work title is “A Study on Financial Health of Selected FMCG Companies of India by using Data Envelopment Analysis Model” The present research study aims to assess the financial health of selected Indian FMCG companies using the Data Envelopment Analysis (DEA) model. The study is based entirely on secondary data, primarily obtained from the published annual reports of the selected companies. Additional secondary sources such as books and scholarly journals related to DEA methodology and the FMCG sector have also been utilized to support the analysis. This research work is organized into six chapters. Chapter One provides an overview of the FMCG industry in India. Chapter Two presents the conceptual framework, focusing on the notions of financial health and the DEA model. Chapter Three contains a comprehensive review of relevant literature. Chapter Four outlines the research methodology employed in the study. Chapter Five includes data analysis and interpretation, while Chapter Six concludes with key findings and suggestions based on the research outcomes.

2025-09-01T00:00:00Z Thakker, Grishma Gaurang Dr. Alpa, Joshi http://10.9.150.37:8080/dspace//handle/atmiyauni/2331 2025-09-04T07:49:40Z 2025-08-01T00:00:00Z

Comparative Financial Analysis of Public Non Life Insurance Companies and Selected Private Non Life Insurance Companies with Reference to CARAMEL Model Thakker, Grishma Gaurang; Dr. Alpa, Joshi The Indian non-life insurance industry has experienced noticeable and important changes throughout the period, shifting from a state-controlled monopoly to a competitive industry with mixed ownership. This study, titled “Comparative Financial Analysis of Public Non-Life Insurance Companies and Selected Private Non-Life Insurance Companies with Reference to CARAMEL Model,” aims to evaluate and compare the financial performance of chosen public and private insurers using the CARAMEL framework, which covers aspects such as capital strength, asset quality, reinsurance practices, managerial efficiency, profitability, and liquidity. The research utilizes secondary sources covering a ten-year period (2013–14 to 2022–23) and employs ratio analysis and One-Way ANOVA to test statistical significance. Eight companies—four representing the public sector alongside four leading private insurers—were selected for the study. The findings reveal that private insurers consistently outperform their public counterparts in capital strength, cost efficiency, profitability, and solvency margins. Significant disparities across various CARAMEL dimensions were observed, underlining the need for reforms and strategic improvement in public sector operations. The research offers meaningful perspectives for policymakers, investors, and stakeholders in understanding financial stability, risk management approaches, and the evolving path of India's non-life insurance sector.

2025-08-01T00:00:00Z Vyas, Mayur Rasiklal Dr. Piyush, Mehta http://10.9.150.37:8080/dspace//handle/atmiyauni/2325 2025-08-07T03:13:21Z 2025-07-08T00:00:00Z

A Study on Perception of Women Towards E-Commerce in Rajkot District (Gujarat) Vyas, Mayur Rasiklal; Dr. Piyush, Mehta The fast advancement of the e-commerce industry has become the reason for the transformation of the business from local to global. That means now a small town or village person from India can sell his art or product to a direct customer of the USA also. It affects almost all business strategies and consumer behavior and the very fabric of social interactions and consumer identity. After Jio launched its free internet service in India during Sep 2016 to March 2017, the internet users and usage of internet rise in India and year by year India is expanding internet services, growing smartphone usage, and increasing digital literacy, has become one of the world's most promising markets for Ecommerce. Among various segments of society, women have emerged as an increasingly important consumer group, with their purchasing power and participation in the digital economy gaining significant momentum in recent years. In the context of Gujarat, particularly in the Rajkot district, a rapidly growing urban and semi-urban population presents a unique opportunity to explore the role of women in the E-commerce revolution. Lijjat papad gruh udhyog in Rajkot is an example of women’s unity & strength. One of the arm manufacturing companies named Raspian Enterprise Pvt. Ltd. is also in Rajkot which is directed and managed by a woman named Priti Patel. These are the best examples of working women in Rajkot. Nowadays boundaries are open for business, and women present themselves very well in the market. E-commerce in India has been the subject of various studies, there is limited research focusing specifically on the perceptions and behaviors of women as a consumer, especially in smaller cities and towns such as Rajkot. Women’s participation with online platforms is influenced by multiple factors, including socio-economic status, individual income, cultural norms, digital literacy, access to technology, and individual preferences, making it a complex area for investigation. The objective of this research study is to analysis the women’s perception for e-commerce and explore different dimension women’s perception towards e-commerce in Rajkot district, Gujarat, with a focus on understanding their attitudes, preferences, challenges, and experiences while shopping online. By examining the evolving patterns of women's participation in the digital marketplace, the aim of this research is to provide meaningful perspectives into how gender influences e-commerce behaviors and how companies can better cater to the precise needs of female consumers. The implication of this study is not only limited to understand the preferences and challenges faced by women in Rajkot but also in highlighting broader trends in women’s empowerment through technology. As women increasingly take control of household spending, online shopping and online services usage has become an important tool for improving their decision- making power, economic independence, and overall quality of life. Additionally, this research will provide businesses, policymakers, and digital marketers with actionable insights to effectively engage women consumers in this emerging digital era. Through a detailed investigation of socio-demographic variables, shopping habits, online purchase motivations, and barriers to E-commerce participation, this study will contribute to a deeper understanding of how gender and locality influence online shopping behavior, ultimately offering practical recommendations for enhancing women's experiences in the E-commerce sector. In India E-Commerce is a platform of the modern business instead of traditional business. E-commerce (Electronic Commerce) is a vast field that is for not only buying and selling goods and services but also which includes transmitting funds or data over the electronic platform. It is required to understand E-commerce properly for both Marketers and the customers. It gives a boost to existing business and provides complete change in the traditional way of doing business. pabiben.com is an example of an E- commerce website that indicates that a woman can convert craft and culture to a successful business if given the chance and platform.

2025-07-08T00:00:00Z