http://localhost:8080/xmlui/handle/123456789/7667 Sun, 12 Apr 2026 22:46:02 GMT 2026-04-12T22:46:02Z http://localhost:8080/xmlui/handle/123456789/7674 Development Of Human Resource Accounting (HRA) In India Derashri, Purvi Dipen Human Resource Accounting is a process of classifying, budgeting, and conveying the investment and cost of human resources incurred in the organization including wages & salaries and training expenses that are presently not included in or disregarded in the calculation or accounting practices. The main concept behind Human Resources Accounting is to estimate and project the worth of the human capital and the value generated by them. Just like physical assets like plant and machinery, land, building are estimated and recorded in the books of account, on similar lines, the human resources should also be calculated and recorded and disclosed in the financial statements. This paper elaborately discusses about the objectives, statutory provisions governing human resource accounts, significance, advantages, limitations methods and process of HRA to examine these issues and challenges and lastly, to give suggestions based on the findings of the study. Mon, 01 Jan 2018 00:00:00 GMT http://localhost:8080/xmlui/handle/123456789/7674 2018-01-01T00:00:00Z http://localhost:8080/xmlui/handle/123456789/7673 Banks NPAs & use of Artificial Intelligence to Manage Nirmal, Anilkumar Indian Banking system has transformed since 24 years after private players given the license to run the bank. Also the earlier non-performing asset quality is controlled by using basils norms. Technology has played the important role in that as the transparency has increased while assessing the customer credibility by the bank before giving the loan. A healthy banking system is essential for any economy striving to achieve growth and remain stable in competitive global business environment. Indian banks are favorable on growth, asset quality and profitability; RBI and Government have made some notable changes in policies and regulation to help strengthen the sector. These changes include strengthening prudential norms, enhancing the payments system and integrating regulations of commercial banks. In terms of quality of assets and capital adequacy, these banks have clean, strong and transparent balance sheets relative to other banks in comparable economies in its region. Public Sector Banks in India need to strengthen institutional skill levels especially in sales and marketing, service operations, risk management and the overall organizational performance. Structural weaknesses such as a fragmented industry structure, restrictions on capital availability and deployment, lack of institutional support infrastructure, restrictive labor laws, weak corporate governance and ineffective regulations beyond Scheduled Commercial Banks, unless industry utilities and service bureaus. One of the major drawbacks of SCBs is its NPAs. The best indicator for the health of the banking industry in a country is its level of Non-performing assets (NPAs). NPAs are one of the major concerns for banks in India and in many countries. It reflects the performance of banks and the growth of the economy as well in the broader aspect. Reduced NPAs generally gives the impression that banks have strengthened their credit appraisal processes over the years and growth in NPAs involves the necessity of provisions, which bring down the overall profitability of banks. The Indian banking sector is facing a serious problem of NPA specially the government sector banks where the political influence is more. To improve the efficiency and profitability of banks the NPA need to be reduced and controlled. This paper deals with understanding the concept of NPAs and major causes for an account becoming non-performing and strategies for managing NPA in Indian schedule commercial banks and using the using the current technology so it could be identified before it's becomes the severe for banks. Mon, 01 Jan 2018 00:00:00 GMT http://localhost:8080/xmlui/handle/123456789/7673 2018-01-01T00:00:00Z http://localhost:8080/xmlui/handle/123456789/7672 Contemporary Prominent Development of Bancassurance in India Gujral, Tripti M. Due to merging of global financial markets, development of new technologies, universalization of banking industries and with the expansion of non banking activities, the insurance industry has globally brought in new channels of distribution into existence. This has given rise to a new form of business wherein two big financial institutions have come together and have integrated all their strength and efforts to generate new means of marketing for encouraging their products and services. When these two join together it gives birth to “BANCASSURANCE”. Bancassurance is the allocation of insurance products through the huge network of banks whereby, banks act as a distribution channel for providing varieties of banking and investment products and services. After the approval of IRDA, today many private and public sector banks have tied up with insurance companies for selling of insurance products. The motive behind bancassurance differs. For banks, it is a source of additional fee based income and helps in product diversification. For insurance companies - a tool for increasing their market penetration and premium turnover and for customers a high quality product at a reduced price delivered at their door steps. So all the three parties involved are benefited here. This research work focuses on the creativity and innovative side of banks as an efficient tool for selling the insurance products, progress of bancassurance in India, types and various models of bancassurance and also on the benefits and significance of bancassurance in India. The motive behind this study is to review and analyze the development of bancassurance on banks, insurers and also to customers. The regulations leading bancassurance are also shown in this research work. Mon, 01 Oct 2018 00:00:00 GMT http://localhost:8080/xmlui/handle/123456789/7672 2018-10-01T00:00:00Z http://localhost:8080/xmlui/handle/123456789/7669 Study of Consumer Satisfaction: A Survey of Nestle Products in Baroda City Derashri, Purvi; Panchasara, Dignesh S. Consumers of nestle product refers to the level of happiness or dissatisfaction with product and brand. The researchers have taken the sample size of 100 respondents of students, children, businessman, servicemen and housewives because majority these people consume nestle product in the market. The main objective of the research is to study about consumer satisfaction of nestle product with understanding the consumer profile, understanding the effectiveness of marketing strategy and examine the loyalty of consumer. The research design chosen is descriptive in nature. For this study, the sampling technique chosen is convenience sampling. This paper is a result of research carried out in Baroda city and it is based on the information given by respondents through questionnaire i.e. primary data. Secondary data was collected from magazine, website and past research papers & articles. In this research work, all the Null Hypotheses framed by researcher is accepted, that means there is no any relations between the dependent and independent variables. Sat, 01 Sep 2018 00:00:00 GMT http://localhost:8080/xmlui/handle/123456789/7669 2018-09-01T00:00:00Z