3.3.

2 Number of research papers per teachers in the Journals notified on UGC website during the last five years. (10)
Department
Title of Name of the Year of ISBN/ISSN
Sl.No of the Name of journal Link of the recognition in UGC enlistment of the Journal
paper authors/s publication number
teacher
A study on
risk and
Dr B Department e-ISSN: 2321-
reward of
Mohammad of 5933, p-ISSN:
1 employees IOSR Journal of http://www.iosrjournals.org/iosr-jef/papers/Vol11-Issue5/Series-
Rafee and Commerce 2020 2321-
with special Finance 1/B1105010914.pdf
Dr.Mohammed and 5925.Volume
reference to
Arif Pasha Management 11, Issue 5
IT Companies
in Bangalore
A Study on
Occupational e-ISSN: 2278-
Stress among Department 487X, p-ISSN:
Prof.Sneha
the Doctor’s of 2319-7668.
2 Singh and Dr B IOSR Journal of http://www.iosrjournals.org/iosr-jbm/papers/Vol22-
in Private Commerce 2020 Volume 22,
Mohammad Management issue8/Series-7/B2208070915.pdf
Sector and Issue 8. Ser. VII
Rafee
Hospitalsat Management (August 2020),
Bangalore PP 09-15
Urban District
A Study On
e-ISSN: 2321-
Impact Of
Dr B Department 5933, p-ISSN:
Artificial
Mohammad of 2321-
3 Intelligence IOSR Journal of http://www.iosrjournals.org/iosr-jef/papers/Vol11-
Rafee and Commerce 2020 5925.Volume
In Financial Finance Issue4/Series-6/E1104063438.pdf
Dr.Mohammed and 11, Issue 4 Ser.
Services Of
Arif Pasha Management VI (Jul. – Aug.
Private Banks
2020), PP 34-38
In Bangalore
Impact of Dr B Department
ISSN;0971-2143
GST and Mohammad of
4 Purakala UGC Vol-31 http://purakala.com/index.php/0971-2143
economic Rafee, Commerce 2020
Care Journal -Issues-11
growth in Prof.Sneha and
-April-2020
India Singh Prof. Management
 Saleena Desai
Examining Dr.Gunaseelan Department
the Existence of
5
of Random Commerce Journal of
Walk Theory and Engineering
Management Science 2020 ISSN:0377-9254 https://jespublication.com/issue.php?cid=22&scid=56
An Empirical
Study on
Green Prof. Angel
Marketing Chakraborty, Department
TEST
from the Prof. Sneha of ISSN: 0193-
6 ENGINEERING
Indian Singh, Dr. M. Commerce 2020 4120 Page No. https://www.testmagzine.biz/index.php/testmagzine/article/view/5189/4188
&
Consumer Gurusamy, Dr. and 8559 - 8571
MANAGEMENT
Perspective Mahammad Management
with Special Rafee
Reference to
Bengaluru
The Impact of ISSN no 2454-
International
GST special Dr B Department 2024
Journal of
reference to Mohammad of volume no 5
7 Technical
restaurent Rafee, Commerce 2020 issue no 2 https://www.ijtrs.com/uploaded_paper
Research and
business Arun Jyothi and february 2020
Science
Management page no 19 to 23

Good and Bad ISSN no 2454-

International
About Ethical 2024
Dr B Journal of
Hacking in Department volume no 5
8 Mohammad Technical
Indian of 2020 issue no 2 https://doi.org/10.30780/IJTRS.V05.I2.002
Rafee Research and
Perspective Commerce february 2020
Science
and page no 12 to 18
Management
A Conceptual Dr M. Department ISSN NO.0193-
TEST
9 Framework Gurusamy, of 4120, http://testmagzine.biz/index.php/
Engineering and 2020
on Women Dr. G. Commerce page no 13370- testmagzine/article/view/6037/4770
Management,
Entrepreneurs Gunaseelan, and 13380
 Problems and Mrs. Susheela, Management March-April
Prospects Mrs. Saumya 2020
Singh, Volume no.83
Ms. Harshita. P

A survey On ISSN no 2454-

Department
empirical 2024
Dr B of IOSR Journal OF
10 Literature to volume no 5
Mohammad Commerce Humanities and 2019 https://www.iosrjournals.org/iosr-jhss.html
Oil issue no 2
Rafee and social Science
Economics february 2020
Management
page no 19 to 23
Emerging E- Dr B
Department ISSN 7021-
Finance - Mahammad
of 2008,
11 Opportunities Rafee
Commerce JICR Journal 2019 volume no 12 http://jicrjournal.com/
and Dr.M
and issue no 1,
challenges in Gurusamy, Dr.
Management December 2019
india Gunaseelan
A study on
Department
Functioning ISSN:2320-4188
of
12 of the Govt Saumya Singh, Vol.6
Commerce JICR Journal 2019 http://jicrjournal.com/
primary Umme Asma special issue 4
and
school at April 2019
Management
bangalore
A structural
compendium Department International ISSN;0971-2143
on service Saleena Desai, of Journal of Vol-31 http://www.ijstr.org/final-print/oct2019/A-Structural-
13
quality and Commerce scientific & 2019 -Issues-11 Compendium-On-Service-Quality-And-Customer-Satisfaction-
customer and technology -April-2020 A-Survey-Of-Public-Sector-Banks-In-India.pdf
satisfaction Management research

Intelligent International
Car Parking Department Journal for
14 Prof.Ashwath
System Using of Computer Scientific 2019 ISSN:2321-0613 http://www.ijsrd.com/articles/IJSRDV7I90350.pdf
Narayana R
Wireless Science Research &
Sensor (UG) Development|
 Network

A Self-
Regulatory International
Personal Journal of
Assistant For Scientific
15
A Smart research,
Home Prof. c Sahu Computer ISSN 2456-3307
Department science,
of Computer Engineering and
Science Information
(UG) Technology 2019 http://ijsrcseit.com/CSEIT194713
Behavioral
finance: The International
role of Preeti Kalyan Commerce Journal of ISSN - 2348-
16 http://www.ijrar.org/
psychological & and Research and 2018 1269, 2349-
=
https://www.ugc.ac.in/journallist/subjectwisejurnallist.aspx?tid=MjM0ODEyNjk=&&did=U2VhcmNoIGJ5IElTU04
factors in Dr.M.Gurusamy Management Analytical 5138
investment Reviews
decisions
Challenges in
implementing
information
Shanlax
technology in Commerce
17 international ISSN -2320-
micro Ms Susheela and 2018 http://www.shanlaxjournals.in/ugc-approved-journals/
journal of 4168
enterprises - Management
commerce
A study on
rural
Karnataka
Marketing International
Agricultural Journal of
Output With Department Innovative
18 http://www.ijitee.org/wp-
The Help Of Shakeela Banu of Technology and
content/uploads/papers/v9i4s/D10170394S20.pdf
Ict-A Study Commerce Exploring
Of and Engineering ISSN: 2278-
Chickaballpur Management (IJITEE) 2018 3075
 District Of
Karnataka

An empirical
study on
students
International
perspective Commerce
19 journal of ISSN -
towards Robert H Utarid and 2018
research culture 2456-6683
online Management http://ijrcs.org/wp-content/uploads/201802016.pdf
and society
shopping and
its future in
India
Emotional Department
Intelligence of
20 ISSN: 2230-
In Teaching Dr.Sudarkodi Commerce 2018 https://www.researchgate.net/publication
9764
Fraternity and Management
Management Today
Histogram Of
Neem Flower,
Tanners
Cassia Flower
21 Used As A Mr. Rongali
Medicinal Yerram Naidu Journal of
Value Using Department Management
Image of Computer Engineering and
Processing Science Information ISSN:2394 -
Techniques (PG) Technology 2018 8124 http://navajyotijournal.org/February_
Women
Shanlax
entrepreurship Commerce
22 international ISSN -2320-
in home stay Ms Susheela and 2018 http://www.shanlaxjournals.in/ugc-approved-journals/
journal of 4168
business - The Management
commerce
challenges
 The impact of
capital
structure on Indian Journal of
Dr. Mohammed Commerce
23 profitability Commerce & ISSN -2249-
Arif Pasha and 2017 http://www.scholarshub.net/ugc.html
with reference Management 0310
& M Nagendra Management
to BSE Studies
SENSEX
companies
A study on Indian Journal of
Dr. Mohammed Commerce
24 the impact of Commerce & ISSN -2249-
Arif Pasha and 2017 http://www.scholarshub.net/ugc.html
dividend on Management 0310
& M Nagendra Management
stock prices Studies

3.3.2.1. Number of research papers in the Journals notified on UGC website during the last five years

Year 2019-20 2018-19 2017-18 2016-17 2015-16

Number 13 7 4 0 0
Formula:

ℎ
ℎ
ℎ

Number of research papers in the Journals notified on UGC website during the last five years 24
Average number of full time teachers during the last five years (291/5) = 58 58
Percentage (24/58 * 100) 41.37%
IOSR Journal of Economics and Finance (IOSR-JEF)
e-ISSN: 2321-5933, p-ISSN: 2321-5925.Volume 11, Issue 5 Ser. I (Sep. – Oct. 2020), PP 09-14
www.iosrjournals.org

A study on risk and reward of employees with special reference to

IT companies in Bangalore
Ms Usharani , Dr. Mahammedrafee, and Dr. Mahammed Pasha
Abstracts:
Human resource is considered as a strategic asset in any organization because the accomplishment of an
organization’s objectives largely depends on employees. Therefore, it is important to identify factors which
motivate employees for achieving goals. This study has examined the relationship between extrinsic reward,
intrinsic reward and employee performance in Electric. Employee rewards are designed to attract and retain
skilful workforce with the intention of achieving competitive advantage. In other words, employee rewards
become a part of organization’s competitive advantage when the organization considers it as an employee
performance stimulation factor. In order to accomplish the research objectives, quantitative research design
was carried out under the deductive approach. 100 employees were taken as the sample by means of stratified
random sampling method and self-designed questionnaire was used as the primary data collection method. The
data was analysed using descriptive statistics and inferential statistics. The results revealed that there is a
positive relationship between extrinsic reward, intrinsic reward and employee performance
Keywords: Employee Performance, Extrinsic Rewards, Intrinsic Rewards, Reward
----------------------------------------------------------------------------------------------------------------------------- ----------
Date of Submission: 01-09-2020 Date of Acceptance: 16-09-2020
------------------------------------------------------------------------------------------------------------------------ ---------------

I. Introduction
The current assessment is about danger and prizes of agents in exclusive organizations in top 10 IT
associations in Bangalore. It focuses on perceiving association among compensations and delegates execution in
private parts in the affiliation. The assessment is basically related with agent's show it give the analysis of the
laborers subject to that give prizes in the IT associations. It developing the working strategy and besides the
specialist's introduction it will improves the affiliation reputation and similarly as spikes the agents to better
execution in future. The affiliation needs to make key prize system for delegates in order to get bolster high
ground.

List of top 10 IT companies in Bangalore

 Dell EMC
 Accenture Services Pvt Ltd
 IBM India
 Honey Technology Solutions Pvt Ltd
 Infosys Ltd
 Mphasis Ltd
 MindTree Ltd
 EDgeVerve Systems Ltd
 Wipro Ltd
 SAP Labs India Pvt Ltd

Dell EMC: The association was set up in the year 1979. The association is headquartered in Hopkinton. Dell is
an association that is locked in with selling data accumulating, information security, logical, dispersed
registering and naturalization.
Accenture Services Pvt Ltd: Accenture Services Pvt Ltd was developed in 1989 which is headquartered in
Ireland, Dublin. It is an overall directing, capable and the board organization association and is associated with
the overview of top IT associations in Bangalore.
IBM India: IBM India is headquartered in Bangalore, India. The association is giving directing, PC hardware
similarly as IT organizations. It is basically connected with retail, media transmission and banking zone. IBM
India is moreover associated with the summary of top IT associations in India.
Honeywell Technology Solutions Pvt Ltd:Honeywell Technology Solutions Pvt Ltd was set up in the year
1906 and is headquartered in New Jersey, Morris Plains, and United States. The association has been offering

DOI: 10.9790/5933-1105010914 www.iosrjournals.org 9 | Page

IOSR Journal of Business and Management (IOSR-JBM)
e-ISSN: 2278-487X, p-ISSN: 2319-7668. Volume 22, Issue 8. Ser. VII (August 2020), PP 09-15
www.iosrjournals.org

A Study on Occupational Stress among the Doctor’s in Private

Sector Hospitalsat Bangalore Urban District
Bhargav N1 Prof.Sneha Singh2Dr. Mahammad Rafee3
1
Final Year MBA Student, Department of Management, Brindavan College, Bangalore
2
HOD, Department of Management, Brindavan College, Bangalore
3
Associate Professor, Department of Management, Brindavan College, Bangalore

Abstract
As per the reports, the doctor-population ratio in India is 1:1456 against the WHO recommendation of 1:1000.
The survey also mentions the initiatives the government has taken to address the shortage of doctors. In
continuation with SDG of UN, India’s Prime Minister Narendra Modi said that the “Sustainable development of
one-sixth of humanity will be of great consequence to the world and our beautiful planet,”. Health is a core
dimension of the SDGs; goal 3 aims to “ensure healthy lives and promote wellbeing for all at all ages”. Health-
related indicators- directly pertaining to health services, health outcomes, and environmental, occupational,
behavioural, or metabolic risks with well-established causal connections to health- are present in 10 of the
other 16 goals. The health care market can expand three-overlay to Rs 8.6 trillion (US$ 133.44 billion) by 2022.
Indian health care the travel industry advertise is developing at the pace of 18 percent year on year and is
relied upon to reach US$ 9 billion by 2020. Hence, health industry has a very good scope to grow, there is
terrible shortage of doctors in the country. The level of stress on the doctor is very high and leading to stress
among them. The study aims at assessing the occupational stress of doctors in hospitals at Bangalore and
degree of variability of risk and its attributes. The study uses the Spearman correlation coefficient and
Friedman ANOVA to find the relationship between factors which causes stress to doctors and work balance
environment. The study concludes that as per the responses of doctors they are not got stressed because of
deadline pressure, long working hours, high data documentation etc. They feel stressed towards insufficient
holidays, harassment from management, inadequate support system, and inadequate colleagues support at
workplace.
Key Words: National Health Policy, Sustainable Development Goals, Health care in India, ,Occupational
Stress, Medical Education
----------------------------------------------------------------------------------------------------------------------------- ----------
Date of Submission: 11-08-2020 Date of Acceptance: 27-08-2020
----------------------------------------------------------------------------------------------------------------------------- ----------

I. Introduction
The Indian government recently adopted the National Health Policy in March 2017 (NHP-2017) to
strengthen the health sector. The UN supports India in achieving the goal of the recently adopted National
Health Policy 2017 (in line with SDG-3) to “attain the highest possible level of health and well-being for all at
all ages through a preventive and promotive health care orientation in all developmental policies, and universal
access to good quality health care services without anyone having to face financial hardship as a consequence”.
With the objective of “leaving no one behind”, the UN General Assembly adopted the universal,
integrated and transformative 2030 Agenda for Sustainable Development together with a set of 17 Sustainable
Development Goals (SDGs) in 2015. At the 2015 United Nations summit, India’s Prime Minister Narendra
Modi said that the “Sustainable development of one-sixth of humanity will be of great consequence to the world
and our beautiful planet,”. Health is a core dimension of the SDGs; goal 3 aims to “ensure healthy lives and
promote wellbeing for all at all ages”. Health-related indicators- directly pertaining to health services, health
outcomes, and environmental, occupational, behavioural, or metabolic risks with well-established causal
connections to health- are present in 10 of the other 16 goals. India is the country which suffers with as many
issues with regard to health care. The current biggest challenge India’s public and private healthcare sector is
facing is revolutionising medical education. Most medical education in the country is controlled by private
medical colleges charging over a crore rupee for an MBBS seat or more than Rs 2- 3 crores for post-graduate
seats. We have to ensure that medical education is affordable.
The health care market can expand three-overlay to Rs 8.6 trillion (US$ 133.44 billion) by 2022. Indian
health care the travel industry advertise is developing at the pace of 18 percent year on year and is relied upon to
reach US$ 9 billion by 2020. There is a noteworthy degree for upgrading social insurance administrations
thinking about that human services spending as a level of Gross Domestic Product (GDP) is rising. The

DOI: 10.9790/487X-2208070915 www.iosrjournals.org 9 | Page

IOSR Journal of Economics and Finance (IOSR-JEF)
e-ISSN: 2321-5933, p-ISSN: 2321-5925.Volume 11, Issue 4 Ser. VI (Jul. – Aug. 2020), PP 34-38
www.iosrjournals.org

A Study On Impact Of Artificial Intelligence In Financial

Services Of Private Banks In Bangalore
Ambika1, Dr.Mahammad Rafee2, Dr.Mohammed Arif Pasha3
1
Student, 4th Semester MBA, Department of Management, Brindavan College, Bangalore
2
Associate Professor, Department of Management, Brindavan College, Bangalore
3
Principal, Brindavan College, Bangalore

Abstracts:
This paper focuses on the impact of artificial intelligence (AI) in the financial services of private banks in
Bangalore and to oversee the application of artificial intelligence methodology in the banks as well as
responses from the clients or consumers. This research is focused on the top 10 leading private banks in India.
To identify the information used in the banking industry, the data is collected from secondary sources based on
the literature review. A structured questionnaire is framed to collect the primary data of customers have toward
AI application. Findings: the result of the study that the private banks are using various AI services for the
customers benefit so that customers satisfied with their services in addition to that financial services as to
improve services more effectivemanner because some of them are dissatisfied with the banking services. It also
shows that people towards technology adoption give importance according to government initiative digital
India. The result also suggested that the customers more commitment from representatives to the bank by giving
development innovative preparing to improve the AI procedures in the workplace and Banks should ensure that
every single client utilizing web-based financial offices ought to be seen with e-alert on every single exchange.
Keywords:
Artificial Intelligence,Banking industry, Financial Services, Technology and Private Banks.
----------------------------------------------------------------------------------------------------------------------------- ----------
Date of Submission: 27-07-2020 Date of Acceptance: 11-08-2020
----------------------------------------------------------------------------------------------------------------------------- ----------

I. Introduction:

Banks are the most significant money related establishments in the economy. They are the chief
wellspring of credit for many families and some units of government. Banks assume a significant job in the
financial improvement process. The nation's economy relies on the proficient working of the financial
framework.The term AI was presented in the year 1950s by John McCarthy; he was the first to characterize
AI as "Science and designing of making Intelligence machines". Because of the change in Technology, AI is
presently getting its conspicuousness as there are quick advancement and huge enthusiasm among the Banking
Sector to over the serious weight.

1.1 Applications in Banking:

● Analytics: A zone of exceptional financial concentration throughout the previous quite a while, the
investigation has profited by mechanical upgrades even without AI. Principal progress in preparing force and
information control has given human examiners progressively integral assets.
● Chatbots: The most obvious occasion of AI today is the chatbot. A chatbot is an innovation
administration fueled by calculations that collaborate with a client in a characteristic (human-like) way, either
by voice or content. Some chat-bots are given personas as a virtual operator, which might be named and given a
type of symbol and character.
● Robotic Processes Automation (RPA): RPA utilizes various procedures to copy routine human
exercises consequently, more than once, quicker, and all the more precisely. In the most fundamental case, think
about any arrangement of routine bank exercises performed by junior-level workers sitting in a 3D shape and
fueled by AI is by the following stage in the development of making back workplaces increasingly productive.

DOI: 10.9790/5933-1104063438 www.iosrjournals.org 34 | Page

Purakala ISSN: 0971-2143
(UGC Care Journal) Vol-31-Issue-11-April-2020

Impact Of GST (Goods And Service Tax) And Economic Growth In India

Dr.B.Mahammad Rafee1 Asst. Prof. Saleena Desai2 Prof.S neha Singh3

1
Associate Professor, Department of Management, Brindavan College, Bangalore-63, India
2
Assistant Professor, Department of Management, Brindavan College, Bangalore-63, India
3
HOD, Department of Management, Brindavan College, Bangalore-63, India

Abstract: the objective of the study is to highlight the impact of GST on economic growth of India
which is said to be a one of major taxation reform post independence. The new reform has helped
the country to increase its GDP tax ratio on par with the global taxation system. The study
adopted exploratory research model based on past literature using information from research
journals, reports, news papers and magazine covering wide collections of academic literature on
India’s growth story post GST implementation. The study concludes that introduction of GST
received a mixed response from stakeholders initially and have brought both positive and
negative changes in the performance of all the sectors of the economy. The model result finds
that the government spending ratio is 1:0.27 which means if the government spends one crore,
the 27 lakh comes from GST tax collection.
Key Words: GST, Economic growth, GDP, Inflation, simple linear regression

I. Introduction
GST is a tax on consumption which is levied on the basis of Principle of destination at the final
consumption point. It avoids the cascading effect or a tax on tax which increases the tax burden
on the end consumer. It is something like a merchant pays to procure goods or services can be set
off later against the tax applicable on supply of goods and services. In other words, GST replaces
multiplicity of taxes imposed by central and state governments, which subsumes all indirect taxes
like Central Excise duty, commercial tax, Octroi tax/charges, VAT (Value added tax) and service
tax. Therefore, manufacturers, wholesalers and retail merchants can avail tax credit mechanism
under GST régime. It is conceptualized as ‗One Nation and One tax‘ and expected to eliminate
the existing cascading tax structure , ease compliances and create uniform tax rates and structure
and may help in reducing additional tax burdens on consumers. As a part of Major taxation
reform post independence and to increase the Tax to GDP ratio the Govt. of India had rolled out
GST from 1st July, 2017, Where in his Budget speech the then Finance Minister said India is a
non-compliant tax society as 36% of employees only fill tax returns in organized sector and 33%
in informal sector and 43% of the registered companies. Indian Tax to GDP ratio is at 16.6%
which is well below the emerging market economies and OECD average about 21% and 34%
respectively.
Under this system of taxation, the end consumer pays the final tax but an efficient input tax credit
system ensures that there is no cascading of taxes- tax on tax paid on inputs that go into
manufacture of goods. In order to avoid the payment of multiple taxes such as excise duty and
service tax at Central level and VAT at the State level, GST would unify these taxes and create a

P a g e | 95 Copyright ⓒ 2020 Authors

 Examining the Existence of Random Walk Theory study with
special reference to BSE
PRIYANGHA Chinnasami KANNAN Paulraj
Assistant Professor of Management Professor
STET College of Women, Mannargudi Nehru Institute of Management Studies,
Email id: priyangha.c@gmail.com Coimbatore
VASANTH Vinayagamoorthi E Mail id: drkannanpaulraj@gmail.com
Assistant Professor of Management GUNASEELAN Gurujothi
P.S.R. Engineering College, Sivakasi Associate Professor of Management
E Mail id: vasanthvphd@gmail.com Brindavan College, Bangalore
E Mail id: gunaseelangurujothi@gmail.com
ABSTRACT
The better performance of economy also depends on performance of stock market in the country.
Successful investors enjoy return by occurring share while it is undervalued and wish to transfer while the price of
stock exceed or equal their basic value. This study examines the existence of Random Walk Theory with selected
indices of BSE. The statistical tools such as Descriptive Statistics, Normality Analysis, Run Test were used in this
study. Further, it is found that the sample indices were distribute normally and FMCG index recorded highest return.
The study identified that Random Walk Theory does not existed in selected BSE indices. It is suggested that the
investors, practitioners, policy makers etc. may consider the result before decision making.

Keywords: Stock Market, Random Walk Theory, Investor

1. INTRODUCTION
The better performance of economy also depends on growth of share market. It creates an opportunity for
company to increase their capital amount. Further, company can develop their business by market expansion with
the help of additional capital. Second, it act as better investment avenue to public for their investment. Based on the
expected return of investors’ and level of risk taking capability public are ready to invest their money. (Napitupulu,
T.A and Wijaya, Y. B., 2013). The index in share market is an index that measures a stock market and helps the
investors to make decision about performance of stock market. Successful investors enjoy return by occurring share
while it is undervalued and wish to transfer while the price of stock exceed or equal their basic value. The
independent nature of the share and their successive changes in price level are explained by random walk
hypothesis. It can also be stated that the price of share in present market are unable to estimate the price for share.
Examining efficiency of the share are one of the major expectation of the researcher, investors and academicians.
Some of the investors believed that the undervalued of the share price and the lowest value of the stock are invested
by the investors Fama (1970). The theory insists that price of stock are affected by the related information which
has available to the public. It mentioned that the opportunities for attaining successive results may imply are in no
systematic way. Also, it is important that if the information related to share does not makes any changes in price
level and there should not be possibility of trading (Mishra P.K, 2009).
2. REVIEW OF LITERATURE
This section tries to summarise the previous study completed in the area of stock to understand the research
gap and methodology adopted by researchers and findings of earlier studies.
Campbell R. Harvey and Robert E. Whaley (1992) investigated the conduct of market unpredictability
and observed that after exchange costs, an exchanging methodology dependent on instability changes of the market
did not make financial benefits. Dimitrios Tsoukalas (2000) analyzed the consistency and unpredictability in three
significant securities exchanges and found that returns were unsurprising. Also, there was industriousness in the
difference of stock returns and consistency and diligence were ascribed to normal wellsprings of data. Bhanu Panit
and Bishnoi T.R (2001) analysed the performance Indian Stock Market indices and revealed that Indian Stock
Market indices that there was no random walk. Sarath P. Abeyekera (2001), concluded that the movements of
prices in the CSE was unstable in the weak form of the Efficient Markets Hypothesis. Robert T. Kleiman, et.al
(2002), exhibited random walk movement in their research. Juncal Cunado Eizaguirre et.al. (2004), investigated

www.jespublication.com
 March - April 2020
ISSN: 0193-4120 Page No. 8559 - 8571

An Empirical Study on Green Marketing from the

Indian Consumer Perspective with Special Reference
to Bengaluru
1
Prof. Angel Chakraborty, 2Prof. Sneha Singh, 3Dr. M. Gurusamy, 4Dr. Mahammad Rafee
1,2,3,4
Assistant Professor, PG department of Commerce & Management Studies, Brindavan College, Bangalore

Article Info Abstract

Volume 83
Page Number: 8559 - 8571
Publication Issue:
March - April 2020
Article History
Article Received: 24 July 2019
Revised: 12 September 2019
Accepted: 15 February 2020
Publication: 09April 2020
Penetration of digital services and ever increasing awareness of environmental issues has
changed consumer behavior and way of go about their life in India. Hence, the conception
of Green marketing is in its initial stage and the people are putting sincere efforts to reduce
their sway on environmental condition. On the other hand the business and organization in
globalised era are looking to tap the benefits of digital revolution. Green marketing alludes
to the way toward selling items or potentially services dependent on their natural advantages
and environment friendly practices, maintainable and socially responsible conduct. In this
research study, the emphasis made on evolution of concept, significance of green marketing
and its applicability and components of marketing mix. The study is based on both primary
and secondary data. The study concludes that environmental belief shows significant impact
on the purchase intention of the consumers. The package and design adds a new facet in the
marketing of green products which finds a significant impact on consumer behavior and
purchase intention. Individuals are environmentally responsible and making sincere efforts
to reduce the usage of plastic. The study also explored the challenges in embracing of green
marketing and its better practices in India.
Keywords: Green Marketing, sustainable development, digital commerce, consumer
behavior, globalization, marketing mix

I. INTRODUCTION the limit from there. Moreover, organizations are

Green marketing is said to be practice of promoting
goods or services dependent on their ecological
settlement. Such an item or administration might be
ecologically agreeable or delivered in an
environmentally benevolent way. This can
incorporate items produced in a financial well
disposed style and not containing noxious materials
or ozone-exhausting substance. Green Products are
pushed off materials as well as ready to be reused
and made out of inexhaustible materials, (for
example, bamboo, and so on.). An ever increasing
number of elements in the business are putting forth
an attempt to execute supportable strategic
approaches as they perceive that they can make their
items progressively alluring to purchasers and
furthermore lessen costs in packaging,
transportation, vitality and water use, and the sky is
Published by: The Mattingley Publishing Co., Inc.
progressively finding that exhibiting an elevated
level of social duty can build brand dependability
among socially cognizant purchasers. The key
obstruction to maintainable strategic approaches, for
example, green acquirement is the transient expense.
Practicing environmental safety will commonly cost
you more up front, yet create extraordinary awards
over the long haul.
The suspicion on green marketing is that potential
customers will see an item or administrations
"greenness" as an advantage and base their
purchasing choice as needs be. They will have a
delicate corner towards green items. The Nielson
Survey calls attention to 48% of U.S. customers are
prepared to change utilization propensities to
diminish ecological effect. Items with manageable
8559
 ISSN No.: 2454- 2024 (online)

International Journal of Technical Research & Science

THE IMPACT OF GST (GOODS AND
SERVICE TAX) IN INDIA-A SPECIAL
REFERENCE TO RESTAURANTS BUSINESS
IN INDIA
Dr. B. Mahammad Rafee1, Asst. Prof. Arunjyothi2
E-Mail Id: basharafee@gmail.com
1Associate Professor, Department of Management, Brindavan College, Bangalore-63, India
2Assistant Professor, Department of Management, Brindavan College, Bangalore-63, India
Abstract: The objective of the study is to highlight the impact of GST on restaurant business in India. The study
adopted exploratory research technique based on past literature from respective journals, reports, news papers and
magazine covering wide collections of academic literature on impact of new taxation reform on restaurant business.
On the other hand the paper gives insights in the pre and post taxation policy of the government on food industry. The
study concludes on the basis of the literature that GST‟s impact will be having both positive and negative implications
on food sector i.e. higher the tariff on restaurants (where room tariff more than 7500) have 18% tax which is
regressive in nature which reduces the frequency of people visiting to restaurants and the lower tariff hotels with 5%
GST have benefited .Where as in comparison with other neighboring countries like China, Malaysia and Singapore
the GST rate is higher in India.
Keywords: Goods and Service Tax (GST), Value added Tax (VAT), Restaurant Business, Input tax Credit (ITC).
1. INTRODUCTION
India‟s restaurant industry is said to be worth of almost ₹75,000/-crores and is growing at a annual rate of 7%. The
industry is fragmented with 1.5 million eating outlets majority are under unorganized sector (86%) the remaining
14% are only organized. Whereas the organized segment is expected to grow rapidly to the tune of ₹22,000 crores in
urban India due to the raising disposable income, nuclear family structure, increasing working population (more
women joining the workforce), rapid urbanization and consumerism etc. This is also one of the major sector where
more revenue can be generated by the Government by taxation. On the other hand the e-commerce food platforms are
tapping the opportunity with their business strategy and connecting customers with restaurants namely Swiggy,
Zomato and Uber eats are increasing their business prospects.
Restaurants are now levied a 5% GST, but they cannot claim the input credit against the tax they paid on raw
materials and other expenses like rent etc. the national restaurant association in India which represents 5 lakh
restaurants objected that the denial of the input tax credit had caused a severe impact on the sector and led to the
closure of 20,000 outlets in the country in 2019. So, there was a decline in the growth rate up to 2% in the year 2019
compare to previous fiscal. The study aims to brief the impact of GST on Restaurant business in India.
1.1 GST
GST is a tax on consumption which is levied on the basis of Principle of destination at the final consumption point. It
avoids the cascading effect or a tax on tax which increases the tax burden on the end consumer. It is something like a
merchant pays to procure goods or services can be set off later against the tax applicable on supply of goods and
services. In other words, GST replaces multiplicity of taxes imposed by central and state governments, which
subsumes all indirect taxes like Central Excise duty, commercial tax, Octroi tax/charges, VAT (Value added tax) and
service tax. Therefore, manufacturers, wholesalers and retail merchants can avail tax credit mechanism under GST
régime. It is conceptualized as „One Nation and One tax‟ and expected to eliminate the existing cascading tax
structure, ease compliances and create uniform tax rates and structure and may help in reducing additional tax burdens
on consumers. As a part of Major taxation reform post-independence and to increase the Tax to GDP ratio the Govt.
of India had rolled out GST from 1st July, 2017, Where in his Budget speech the then Finance Minister said India is a
non-compliant tax society as 36% of employees only fill tax returns in organized sector and 33% in informal sector
and 43% of the registered companies. Indian Tax to GDP ratio is at 16.6% which is well below the emerging market
economies and OECD average about 21% and 34% respectively.
Under this system of taxation, the end consumer pays the final tax but an efficient input tax credit system ensures that
there is no cascading of taxes- a tax on tax paid on inputs that enter the manufacture of Products. In order to avoid the
payment of multiple taxes like central sales tax, service tax and excise duty at the Central level and VAT at the State
DOI Number: https://doi.org/10.30780/IJTRS.V05.I02.003 pg. 19
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 ISSN No.: 2454- 2024 (online)

International Journal of Technical Research & Science

GOOD AND BAD ABOUT ETHICAL
HACKING IN INDIAN PERSPECTIVE
Dr. B. Mahammad Rafee1, Prof.Shuaib Ahmed Shariff 2
E-Mail Id: basharafee@gmail.com
1
Associate Professor, Department of MBA, Brindavan College, Bangalore, India
2
HOD, Department of MCA, Brindavan College, Bangalore, India
Abstract: the objective of the study is to highlight the importance of ethical hacking –As per Jay Bavisi CEO of EC
Council Government agencies and business organizations, “In the present globalised-digital era all are in constant
touch with ethical hackers to combat the growing threat to IT security”. All the concerned stake holders now
understand that if you want to protect a system, you cannot do it by just locking your doors. The study adopted
exploratory research model based on past literature using information from research journals, reports, news papers
and magazine covering wide collections of academic literature on Good and bad about Ethical hacking in Indian
Perspective. The study reiterates that in the dawn of international geo political conflicts, terrorist organizational
funding, and cyber criminals to breach security systems which compromises nation’s security, there is an immediate
need to educate the people of the country on this global issue.
Keywords: Ethical Hacking, cyber law, civil law, cyber terrorism, e-commerce.
1. INTRODUCTION: HISTORY AND EVOLUTION OF ETHICAL HACKING
The term "Ethical hacking" has first utilized in 1995 with the guide of IBM Vice President John Patrick, while the
Ethical Hacker uncovered vulnerabilities in programming system to help endeavor proprietors fix the ones insurance
openings sooner than a malignant programmer finds them. Many may contend that moral hacking is the point of the
vast majority of the individuals of programmers, yet the present media discernment is that programmers are
lawbreakers
1.1 The Origin of the Term Hacker
The records of moral hacking are accepted that programmers are digital and used to be a negative thought. The word
surfaced in the ongoing past at the acclaimed Massachusetts Institute of Technology (MIT). Until Nineteen Sixties,
hacking transformed into a timeframe utilized by understudy system to find exceptional strategies to top notch
utilize the structures and machines to run them adequately. It's inventive side interest completed by means of some
of the keen people inside the universal. The word criminal programmer originates before moral hacking.
1.2 Development of Phreakers and Tiger Groups
In Seventies the situation disintegrated with the creating notoriety of PC frameworks, individuals who got structures
and programming dialects have been starting to see the conceivable outcomes in testing the ones frameworks to
secure their capacities. So by then "phreaking" started to increase enormous un savoriness. Phreaking alludes back
to the activity of controlling media communications structures. Begun to perceive cellphone systems, they raised to
abuse the advantages and the organizations headed out to experience misfortunes where long separation calls
become free with hacking cellphone systems. From the outset time that hacking changed into utilized for unlawful
capacities by method for a huge amount of people. Henceforth, governments and enterprises all began to glance the
advantage in having specialized specialists effectively are searching for out the shortcomings in a framework, letting
them settle those issues before they can be abused. They are as "tiger groups" and the American government turned
out to be especially excited on the use of them to strengthen their ambushes.
1.3 The Rise of Black Hat Hacker
In 1990s, the word programmer started to be identified with hoodlum intrigue. The alleged acknowledgment of the
PC as gadget for enterprises and people planned that various fundamental data and information were presently put
away now not in substantial structure anyway in PC programs. Programmers began to peer the chances of taking
insights that could then be purchased on or used to dupe organizations.
Programmers have been unmistakable as hoodlums – virtual trespassers – who were the utilization of their abilities
to advantage get right of passage to PC frameworks, steal data or even extortion companies into conveying
monstrous aggregates of cash. These assortments of programmers are what we portray today as dark cap
programmers: they might be absolutely intrigued by the utilization of their gifts for vindictive capacities and
routinely connected to a wide range of criminal games. Dark cap programmers get the great estimated greater part of
media intrigue, and there have been over the top profile hacks on enormous associations like eBay and Sony in
current years.

DOI Number: https://doi.org/10.30780/IJTRS.V05.I2.002 pg. 12

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 March-April 2020
ISSN: 0193-4120 Page No. 13370 - 13380

A Conceptual Framework on Women Entrepreneurs:

Problems and Prospects
Dr. M. Gurusamy, Professor and Head, PG Department of Commerce and Management Studies, Brindavan College,
Dwarakanagar, Bagalur Main Road, Yelahanka, Bangalore – 560063, Email: gurusamyphd@yahoo.com, Mobile:
98425 89278, 97894 27699.
Dr. G. Gunaseelan, Associate Professor, PG Department of Commerce and Management Studies, Brindavan College,
Dwarakanagar, Bagalur Main Road, Yelahanka, Bangalore – 560063, Email: gunaseelan@brindavancollege.com,
Mobile: 95241 05313.
Mrs. Susheela, Assistant Professor, PG Department of Commerce and Management Studies, Brindavan College,
Dwarakanagar, Bagalur Main Road, Yelahanka, Bangalore – 560063, Email: susheela87@gmail.com, Mobile: 86186
01857.
Mrs. Saumya Singh, Associate Professor, PG Department of Commerce and Management Studies, Brindavan
College, Dwarakanagar, Bagalur Main Road, Yelahanka, Bangalore – 560063, Email: saumya.singh0510@gmail.com,
Mobile: 98368 67340.
Ms. Harshita. P, Final Year MBA Student, PG Department of Commerce and Management Studies, Brindavan
College, Dwarakanagar, Bagalur Main Road, Yelahanka, Bangalore – 560063, Email:
harshithaprakash70@gmail.com, Mobile: 73380 35683.

Article Info Abstract:

Volume 83
Page Number: 13370 - 13380
Publication Issue:
March - April 2020
Article History
Article Received: 24 July 2019
Revised: 12 September 2019
Accepted: 15 February 2020
Publication: 20 April 2020
Women Entrepreneurs are the one who starts a new enterprise and innovate
something unique from others. Their primary objective is to earn profit and
seek success in her life. Women should not only sit between the four walls
of the house but also come out with enormous ideas and become number
one in the nation. They should not only be ready to chop vegetables in the
kitchen but should be ready to chop the one who harasses her. There are
many laws and principles that everyone especially men should strictly
follow. Women is being self-allotted with lots of responsibilities starting
from morning till night compared to men. Therefore, the problems and
prospects of women entrepreneurs will be evaluated, so that a solution can
be found for the particular problem. Women are given prior chances to
prove themselves in the society no matter difference from men. She is more
responsible towards many of the workplace. The researcher has chosen the
qualitative research design for this study. In the qualitative research design,
the observation method is adopted by the researcher for this study.
Secondary data has been collected for this study. Women entrepreneurs
have the ability and capability of doing anything easily. They are
challenging enough to do things. Their contribution for the society was not
much higher in early days. Women have lot many options to select as the
best such as Beauty Parlors, tailoring, fashion designing, creating internet
videos on day-to-day routines, cooking, etc.
Keywords: Business Enterprise, Economy, Entrepreneurs, Responsibilities,
Society.

I. INTRODUCTION to the public. The objective of an Entrepreneur is

Entrepreneur is a person who starts up a to make profit into his or her business and to
new business entity. He or she gives new focus on the reputation of business. Women
products and give awareness about their products Entrepreneurs are the one who starts a new

13370
Published by: The Mattingley Publishing Co., Inc.
IOSR Journal Of Humanities And Social Science (IOSR-JHSS)
Volume 24, Issue 10, Series. 3 (October. 2019) 66-78
e-ISSN: 2279-0837, p-ISSN: 2279-0845.
www.iosrjournals.org

A Survey on Empirical Literature Relating To Oil Economics

Dr. Mahammad Rafee.B1 & Dr.A.Hidhayathulla2
1
AssociateProfessor in Management, Department of Management Studies, Brindavan College, Bangalore, India
2
Associate Professor of Economics, Jamal Mohamed College, Tiruchirappalli, India

ABSTRACT: The objective of this paper is to bring out the empirical studies relating to the crude oil price hike
impacting the growth rate, exchange rate, inflation, capital market, gold prices and macroeconomic uncertainty
of different countries. Forty empirical studies published during 2000-14 have been selected for review that
analysed the impact of crude oil price hike on importing and exporting countries and their growth and de-
growth. These studies applied ADF (Augmented Dickey Fuller test Granger Causality test and Johansen Co-
integration test and GARCH (Generalized Autoregressive conditional Hetroskedasticity), VECM (vector error
correction model), to find the best of the results. Energy consumption does not affect the economic growth of
low income countries where as it affects the growth of high growth emerging economies. Oil export earnings of
oil producing countries are exhausted for paying non-oil import bills. This makes oil export earnings not
available for domestic economic development needs. The impact of international oil price is transmitted to the
countries through exchange rate of respective currencies against US Dollar. As the international influence in
determining domestic inflation is stronger the monetary policy becomes ineffective in controlling inflation. The
volatilities in US oil derivative markets make macroeconomic uncertainties in all the countries in the world.
This affects financial and gold markets of these countries.

JEL CLASSIFICATION: Q31, F43, F19, E31, F62, G12

Keywords:-Crude oil price, growth rate, exchange rate, inflation, macro economic impact, stock prices.
----------------------------------------------------------------------------------------------------------------------------- ----------
Date of Submission: 26-09-2019 Date of acceptance: 14-10-2019
----------------------------------------------------------------------------------------------------------------------------- ----------

I. INTRODUCTION
Among different forms of energy, Crude oil occupies a crucial and strategic place in the energy
economy of a country. Payment for oil eats up a substantial portion of foreign exchange of oil consuming
countries. The import bill of these countries touched a peak level of $2 trillion. India’s oil import bill is around
30% of her total imports. Economic theory advocates that monopoly control over a commodity which has less
elastic demand will always push the prices upwards. Cartelization in 1960’s and 1970’s and speculation that
began in early 1980’s are the probable events that might have been causing the dynamic changes in international
oil market. Functioning of the economy of any country depends inevitably on availability of various forms of
energy at affordable cost. The invention of hybrid derivative products with oil as underlying asset in the
international capital market joins with the less elastic consumption demand for oil in determining its price. The
consumption demand in the real market and speculative demand in the capital market keeps the oil price moving
up in the long run. Studying the consequences of volatile and spiraling trend in oil prices remains unexplored.
This survey of research work attempts to find theoretical and empirical literature relating to oil economics in full
description. As many as 40 empirical research works conducted during 2000 to 2014 have been reviewed. The
second section of this paper comprises of review works on crude oil price and real sector variables such as
growth rate, exchange rate, inflation and macroeconomic uncertainty. The third section is devoted to review
works on crude oil price and financial sector variables. The fourth section offers concluding comments.

II. CRUDE OIL AND REAL SECTOR VARIABLES:

Real sector refers to the sector in which there are productions of goods and services through combined
utilization of raw materials and other production factors such as labour force, land and capital or by means of
production process. Market is the determining force of what society should produce and through what
combination of production factors.
There are two major markets in this sector: 1) Factor market, which includes markets for raw material,
labour, land and capital. 2) Product market, which is the market for finished goods. The real sector utilizes
production factors with the business operators managing the process in order to produce goods and services.
This paper first considers the relationship between crude oil price and growth rate as crude oil prices are likely

DOI: 10.9790/0837-2410036678 www.iosrjournals.org 66 |Page

 Journal of Interdisciplinary Cycle Research ISSN NO: 0022-1945

Emergence of E-Finance – Opportunities and Challenges in India

Dr. MahammadRafee
Associate Professor,
PG Department of Commerce and Management Studies, Brindavan College, Bangalore.

Dr.M.Gurusamy
Professor and Head,
PG Department of Commerce and Management Studies, Brindavan College, Bangalore.

Dr.G.Gunaseelan
Associate Professor,
PG Department of Commerce and Management Studies, Brindavan College, Bangalore.

Abstract
This paper aims at collecting and analyzing quality data and information regarding
prospective evolution of E-finance services post demonetization in India. E-finance-including
investing, banking, mortgage lending, and insurance-will grow at a hyper rate in the coming
days. The current trend of E- finance services in the country have grown at a alarming rate post
demonetization andthe introduction of Telecommunication (4G)revolutionin 2016 which
attributed a rapid growth of E -finance. It reflects the spectacular growth of internet to the nook
and corner of Indian society which hadempowered both consumers and businesses, enabling
them to reduce transaction costs, speedily process documents online, and have instantaneous
access to information. For businesses, online finance can dramatically improve efficiency and
decrease the costs of internal business functions such as expense reporting, labor management,
time-and-billing procedures. Provides personalized information about consumers, the Internet
lets companies engage in digital marketing and promotion of the products allowing them to the
online experience to fit unique individual needs of consumers using AI (artificial Intelligence).
The study describes the emergence of e-finance in Indiaand its classification and examination of
current status of e-financeservices.
Key words: Artificial Intelligence-banking, E-insurance, Electronic finance, E-payment,
E-credit ICT, IoT, ML
I. Introduction
Electronic finance means a provision of financial services and markets using electronic
communication, electronic tools and technology with the help of internet and intranet. On the

National Conference On “Recent Trends and Development in Commerce, Management & Social Sciences” Organized by VIVEKANANDHA Arts and Science College for Women, Salem, Tamil Nadu

Volume XI, Issue XII, December/2019 Page No:147

 Journal of Interdisciplinary Cycle Research ISSN NO: 0022-1945

A Study on functioning of the Government Primary Schools at Bangalore

UmmeAsma,
Assistant Professor,
PG Dept of management studies,
Brindavan college, Bangalore.

Saumya Singh,
Assistant Professor,
PG Dept of management studies,
Brindavan college, Bangalore.

ABSTRACT

Government schools are increasingly being incorporated /shut down within the name of low student’s
admissions. The narrative around government schools remains one amongst poor responsibility and
infrastructure facilities, poorly trained by teachers to students, the major downside in government schools is
absent of teachers speciallyin rural aspect, multiple subjects that are thought by single teacher in schools
conjointly the mental attitude of each folks they needed their children’s to check in convent schools if they're
poor also they are causing their children’s to non-public schools. Because of this government schools are shut
downed in a every society and also the medium of instruction in government schools is Kannada however the
oldsters they required their youngsters to find out in English as medium of instruction. And their poor
attending passes rates of scholars affecting the standard of education in government primary schools. Another
major issue in government schools transfer of teachers at intervals a brief amount of your time thus in school
year suppose teacher is transferred to alternative schools it affects the scholars in their education and
conjointly in their results and a few emotional feeling are there between students and teachers once they leave
the faculties it shows however the bondage that's existing with them we willapprehend.
INTRODUCTION

“Education is that the most prevailing weapon that you'll be able to use to vary the world”
Education plays a vital role at intervals the progress of Associate in Nursing individual’s mind and
country. People are created tuned in to what's occurring at intervals the globe and should understand these
issues and take necessary measures, if they're educated. Education tames the wide mind, nurturing its
capabilities identical approach, work builds an original. Webster defines education as a result of the strategy of
instruction or deliver (now that's terribly useful, isn't it?) ‘Educate’ is extra made public as “to develop the
knowledge, skill, or character of...” Thus, from these definitions, we have a tendency to assume that the aim of
tutoring is to develop the knowledge, skill, or quality of scholars.

National Conference On “Recent Trends and Development in Commerce, Management & Social Sciences” Organized by VIVEKANANDHA Arts and Science College for Women, Salem, Tamil Nadu

Volume XI, Issue XII, December/2019 Page No:99

 INTERNATIONAL JOURNAL OF SCIENTIFIC & TECHNOLOGY RESEARCH VOLUME 8, ISSUE 10, OCTOBER 2019 ISSN 2277-8616

A Structural Compendium On Service Quality And

Customer Satisfaction: A Survey Of Public Sector
Banks In India
Dr.J.POORNIMA, Dr.S.AMUDHAN, S.B.SALEENA DESAI

Abstract: The Indian banking sector has emerged as one of the strongest drivers of India‘s economic growth. Today, banking
sector has been facing stiff competition among intra and inter-banks on one side and foreign banks on other side after economic
reforms. Service Satisfaction of the customers is an invaluable asset for Banking Institutions providing unmatched competitive
edge. It helps in building long term relationship as well as brand equity. The best approach to customer retention is to deliver
high level of customer satisfaction that result in strong customer loyalty. Customer satisfaction is a very important construct in
today‘s market. Therefore, it is the utmost duty of banks to safeguard his interests and meet his expectations with the
products/services offered. The core aim of the research is to measure and analyze the quality of services offered by the selected
public sector banks in India and to attempt to know how bank services quality affects customer satisfaction. By administering
both questionnaires and personal interviews, researchers garnered the opinions of a total of 700 respondents with BANKQUAL
statement. The authors applied Cronbach‘s alpha to test reliability and the selected hypotheses have been proven with Mann-
whitney U test, Henry Garrett Ranking Method and Friedman Test. The research is most precious to diverse stakeholders of the
Indian banking industry, particularly to banks who want to know about their existing service quality for further improvement. For
the first time, the researchers introduced the comprehensive BANKQUAL statement to test out the quality of bank services in
India.

Keywords: BANKQUAL, customer satisfaction, service quality, Public sector Banks, structural compendium, money lenders and
financial services.
————————————————————

1. INTRODUCTION: democracy, but also an emerging economic giant. Without

Sambasivan Srinivasan (2013) stated that banking system
plays a very significant role in the economy of a country. It
is central to a nation‘s economy as it caters to the needs of
credit for all the sections of the society. Money-lending in
one form or the other has evolved along with the history of
mankind. Even in the ancient times, there are references to
the money-lenders, in the form of sahukars and zamindars
who lend money by mortgaging the land property of the
borrowers. Towards the beginning of the 20 century, with
the onset of modern industry in our country, the need for
government-regulated banking system was felt. The British
government began to pay attention towards the need for an
organized banking sector in the country and the Reserve
Bank of India was set up to regulate the formal banking
sector in the country. Ever since they were nationalized in
1969, banks have been playing a major role in the socio-
economic life of the country. India is not only the world‘s
largest independent
a sound and effective banking system, no country can have
a healthy economy. For the past three decades, India‘s
banking system has several outstanding achievements to
its credit. It is no longer confined to only the metropolitans,
but has reached even to the remote corners of the country.
This is one of the reasons of India‘s growth process.
1. CUSTOMER SERVICE IN BANKING SECTOR:
RBI has clearly stated in its Master Circular on Customer
Service, Customer service has great significance in the
banking industry. The banking system in India today has
perhaps the largest outreach for delivery of financial
services and is also serving as an important conduit for
delivery of financial services. While the coverage has been
expanding day by day, the quality and content of
dispensation of customer service has come under
tremendous pressure mainly owing to the failure to handle
the soaring demands and expectations of the customers.

__________________________
2. STRUCTURE OF THE ORGANISED BANKING
 Dr.J.POORNIMA Assistant Professor –MBA Jain INDUSTRY:
University Bangalore
 Dr.S.AMUDHAN Assistant Professor Department of
Commerce and Management St Joseph’s College of Arts
and Science Bangalore
 S.B.SALEENA DESAI Assistant Professor Brindavan
College Bangalore

1022
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