A STUDY ON FINANCIAL ANALYSIS AND PERFORMANCE OF HDFC BANK

This study has been carried out to evaluate the nancial performance of HDFC bank. HDFC was amongst the rst to receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a bank in the private sector. HDFC Bank is the second largest Private sector Bank in India and one of the top 5 banks in the country. The bank has a network of 5000+branches and 16000+ATMs in 2902 cities/towns. HDFC Bank provides a number of products and services including wholesale banking and retail banking, treasury, auto loans, two wheeler loans, personal loans against property, consumer durable loans, life style loan, credit cards and the various digital products. The nancial performance of above mentioned bank has been evaluated for the past ve years i.e. 2017, 2018, 2019, 2020, 2021. The data analyzed by ratio analysis such as current ratio, liquid ratio, xed assets ratio, debt-equity ratio and net prot ratio and give interpretation to each ratio. To conclude this nancial soundness of the bank is satisfactory during the study period.

INDO – CHINA TRADE: A NEW CENTRE PERIPHERY RELATIONSHIP

Indo China trade names for last 3-4 years mainly because of three reasons one; China has become the robust trading partner of India outpacing USA, second; the balance of trade deficit of India is very high almost 60 Billion dollar, three; India and China are face to face on boundary issue and army skirmishes which has led to a boycott China slogan in India. But the issue do not end here. In fact China has become a manufacturing hub of all kind of industries in India. The inputs assembles spares as well as sophisticated machinery in India all Imported from China. In pandemic Covid-19 found that even dominant pharmaceutical companies of India are dependent on Chinese support. The whole consumer durable market of India is in fact only an assembly market. All parts of refrigerator, AC, cameras, microwave and what not are imported and then only assembly is done by Indian companies. Same is true for Electric gadgets, Telecommunication instruments, plastic industry and even handicrafts and handloom sector. Economics call it dependency of development. A Metropolis satellite like relationship in which India’s economic development at present is been conditioned by China. In fact this is an extension of Prebisch singer Centre periphery model where in the International division of labour is such that some group of countries (periphery) output, raw material, agro and mineral-based product to while the other group of countries (Centre) add value and exports them back to periphery. This leads to exploitation of resources of periphery and analogous development of the developed countries. In this research paper the researcher is trying to analyse the Indochina trade through the lens of dependency theory. KEYWORDS: Centre periphery relationship, manufacturing, exports, BOT, Indo China trade

“I am OK when you are with me” – Understanding the well-being and innovative behavior in the digitized workspace

PurposeThe study aimed at understanding the relationship between supervisor and coworker support, psychological contract fulfillment, work engagement, well-being (different forms) and innovative behavior in the digitized workspace during the coronavirus disease 2019 (COVID-19) pandemic.Design/methodology/approachData were collected via a structured questionnaire through Google Docs from 239 respondents working in the sales department of the consumer durable industry through snowball sampling.FindingsSupervisor and coworker support was positively contributing to psychological contract fulfillment. Further, psychological contract fulfillment was positively contributing to work engagement. Along with innovative behavior, four forms of well-being, i.e. emotional, psychological, workspace and life were studied as outcome variables. Work engagement positively contributes to innovative behavior and well-being.Research limitations/implicationsThe study examined the relationship between various organizational variables in consumer durable industry. Future work should involve studying the effect in other industries and functional areas.Practical implicationsThe study examined how the supervisor and coworker act as an enabler in fulfilling the psychological contract in the digitized workspace. Organizations also understand the importance of work engagement in maintaining well-being and innovative behavior.Originality/valueThe paper initiates the important debate on well-being and innovative behavior in the digitized workspace for the sales employees of the consumer durable industry.

Measuring Contribution Towards Brand Love and Effect of Brand Love on Wom: Evidence from Consumer Durable Goods

Brand love is supposed to most important key intents in the brand management and consumer is the imperative assets to the organization this study is a pervasive study for the companies and institutions plus brand love contribute itself to gratify consumer satisfaction in (SMCG) sector and consumer make their trust on reliable brands and this factor increase the goodwill of brands. This specific study has also research has also with several limitations due to the time limitations other researchers will have a chance to find other dimensions with a source of new variable as psychological behaviour of the consumers in FMCG zone. Furthermore, the value of brand love supportive to managers that pursuing the expansion of brand love is acceptable. The consequences of this research are expected results brand trust, attitude and image all have major contribution to make brand love and it offers direction and inspires the consumer and customer to make out the elements of the greater love of brands. The sample size for the study is 384 respondents & analysis was made through SPSS and Smart PLS to identify the outcomes of brand’s trust, image, and attitude on brand love.

Assessment of the Heterogeneity Influencing the Superior of Non-Banking Finance Company for Assisting Consumer Durable Loans

Customers purchasing behavior has changed radically in the course of the most recent couple of years. The study aimed to identify major factors determining consumer's choice rules of the non-banking financial company (NBFC) for availing consumer durable loans (CDLs). Essential information was gathered from 100 respondents by utilizing a survey including eight factors, recognized dependent on an audit of writing. Principal Component Analysis (PCA) was utilized as an extraction strategy by utilizing factor analysis. Three factors were isolated by using Eigenvalues standards and these three factors were assigned names such as service delivery, terms & conditions, and safety and security of fund respectively. It was suggested from the study that the non-banking financial companies aimed to expand their business should take cognizance of these factors in their marketing strategies.

Eureka! or, How I learned to stop worrying and love the survey

Two decades ago, a personally-addressed ten-page survey printed on salmon-colored stock appeared in my campus mailbox. An accompanying letter explained that the sender was a student collecting data for a graduate-level thesis and included contact information for the thesis advisor … in marketing. It was the one and only ‘Consumer Durable Goods Study’ I would ever receive as an applied linguist.