Author (s) :

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1). Mr. Ashish P. Chirodiya, Saurashtra University, Rajkot, Gujarat, India

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Paper Industry, JK Papers, Tamil News Print, Gross Value Added (GVA), Net Value Added (NVA)

Abstract :

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This paper is comparative examination of capacity of Value Addition of selected paper manufacturing companies. To compare and examine first of all, two samples from paper manufacturing industry were taken on the basis of Net sales of 2023-24. These samples were JK Papers and Tamil News Print. To achieve that purpose of calculation of Value Added ability Gross Value Added (GVA) and Net Value Added (NVA) were taken and period of the study was 5 years (from 2019-20 to 2023-24). The GVA and NVA were calculated on the basis of additive method. Data and figures were analysed by student t test with 5 % level of significance. As a outcome/result of the study, it was revealed that the JK Papers is generating almost double the GVA and NVA than Tamil News Print. The reason behind that was difference in sales of both companies.

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Author (s) :

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1). Ms. Soniya Raval, Patel Kelavni Mandal College, Junagadh, Gujarat, India
2). Dr. Jigar Raval, Shri K M &Smt K KSavjani commerce college, Veraval, Gujarat, India

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Current ratio, quick ratio, Inventory turnover, Asset turnover ratio, EPS, Return on capital employed ratio, Indian Petroleum Industries

Abstract :

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Analysing the financial performance and gaining concrete expertise about many firm components were the study's primary goals. It made it easier for me to comprehend the many levels of organizations and become acquainted with a practical problems organization system. Data were collected from the official websites of the selected companies and they published their balance sheet and annual reports. In this research the financial ratios: Liquidity ratio, Efficiency ratio, Profitability ratios were used. In addition to being provided in tabular form, all ratios are represented by table format and by line graph. Among them, the ONGC did the best. The quick ratio is the next financial ratio. The data indicates that ONGC ranks first in it as well. According to the efficiency ratio, ONGC had the lowest assets turnover ratio and HPCL the highest. The inventory turnover ratio also showed the similar results, with ONGC having 6.8% and HPCL having 38.75%. Profitability is the most crucial ratio. HPCL had the greatest EPS (159.73), while IOCL had the lowest (70.64). With the exception of return on capital employed, HPCL did well in every ratio. Each rendition of data is shown as a percentage.

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Author (s) :

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1). Mr. Ashish M. Vyas, Saurashtra University, Rajkot, Gujarat, India
2). Dr. Ashvin Solanki, Saurashtra University, Rajkot, Gujarat , India

Keywords :

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Abstract :

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The Indian banking sector has undergone substantial transformations, with public and private sector banks playing a critical role in economic development. The CAMEL model comprising Capital Adequacy, Asset Quality, Management Efficiency, Earnings, and Liquidity serves as a comprehensive framework for evaluating the financial soundness of banks. This conceptual study examines the applicability of the CAMEL model in assessing the performance of Indian banks, incorporating recent financial data and trends. In the fiscal year 2023-24, the Indian banking sector recorded a net profit exceeding ?3 lakh crore, driven by 15% credit growth and 13% deposit growth. Gross non-performing assets (NPAs) declined to 3.5%, reflecting improved asset quality. However, loan growth has slowed for six consecutive months, reaching 12.4% year-on-year in December 2024 due to stringent lending regulations. The application of the CAMEL model highlights differences between public and private sector banks. Private banks generally demonstrate higher management efficiency and earnings, whereas public banks maintain stronger capital adequacy ratios. This study underscores the relevance of the CAMEL model in evaluating the financial stability of Indian banks. The findings contribute to strategic decision-making and policy formulation in the banking sector.

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Author (s) :

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1). Mr. Dhaval M. Vyas, Maharaja Krishnakumarsinhji Bhavnagar University, Bhavnagar, Gujarat, India
2). Dr. Hitesh Vyas, M. J. College of Commerce, Bhavnagar, Gujarat, India

Keywords :

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Modern Indian Consumers, Value-Conscious, AI-Driven, Omni channel, Digital Technology

Abstract :

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The Indian apparel industry is undergoing a significant transformation due to changing consumer preferences, advancements in digital technology, and evolving socio-economic factors. This study examines the shifting trends in apparel shopping behavior among modern Indian consumers, focusing on the influence of online retail, growing awareness of sustainability, and the demand for personalized shopping experiences. With the expansion of e-commerce, the impact of social media, and the prevalence of fast fashion, consumers are making more informed and value-conscious purchasing decisions. The study explores critical factors such as brand perception, price sensitivity, fashion awareness, and the increasing preference for sustainable and ethical fashion choices. Furthermore, it analyses the role of AI-driven recommendations and omnichannel retail strategies in shaping consumer behavior. This conceptual analysis offers valuable insights for apparel brands and retailers, helping them align their strategies with the expectations of contemporary Indian shoppers.

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Author (s) :

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1). Prof. Rutu Padhiyar, Darshan Institute of Management, Rajkot, Gujarat, India
2). Dr. Jigna Trivedi, Shri Jairambhai Patel Institute of Business Management and Computer Applications, Gandhinagar, Gujarat, India

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Financial literacy, Investment behaviour, Pension schemes, Retirement planning.

Abstract :

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Retirement planning is critical to financial security, especially in an era of increasing life expectancy and economic uncertainties. This review examines research papers on retirement planning, focusing on various dimensions such as financial literacy, investment behaviour, pension schemes, and gender specific challenges. The study aims to identify gaps in the existing literature to highlight areas requiring further research. Lack of research on female educators’ retirement planning and behavioural aspects; future studies should integrate behavioural finance, gender specific financial education, and policy interventions.

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Author (s) :

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1). Mr Hemant T Prajapati, The Maharaja Sayajirao University of Baroda, Vadodara, Gujarat, India
2). Dr Hardik B Bhadeshiya, The Maharaja Sayajirao University of Baroda, Vadodara, Gujarat, India

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Indian Traditional Food, Food Technology, Globalization, Indian cuisine, Global Market

Abstract :

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Indian traditional food is more than just sustenance—it’s a cultural legacy with immense economic potential. With its rich flavors, unique ingredients, and health benefits, it holds the power to captivate both domestic and global markets. However, globalization has reshaped consumer preferences, with younger generations gravitating toward Western fast food, posing challenges for traditional cuisine. Despite ranking among the world’s top ten cuisines, Indian food struggles to establish a global foothold due to the absence of strong international brands, time-intensive preparations, and limited market penetration. To unlock its full potential, the industry must embrace technological advancements in food processing, supply chains, packaging, automation, and digital platforms. Packaged brands like Haldiram’s and MTR have already tapped into global demand, showcasing the possibilities ahead. A balanced approach, combining innovation with cultural authenticity, is key to positioning Indian traditional food as a competitive and sustainable force in the global market.

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