Journal of Management Excellence (JME) An International Peer-Reviewed, Open-Access Journal Published by NOVARA PUBLISHERS About the Journal The Journal of Management Excellence (JME) is an international, peer-reviewed, open-access journal published by NOVARA PUBLISHERS. JME provides a scholarly platform for researchers, academicians, professionals, and industry experts to present innovative research, theoretical advancements, and practical insights in all major areas of management. The journal is committed to disseminating high-quality, original research that contributes to global academic and industrial development. Aim and Scope — Journal of Management Excellence (JME) Aim The Journal of Management Excellence (JME) aims to advance high-quality scholarship and thought leadership in the field of management by publishing rigorous, original, and impactful research. The journal seeks to bridge theory and practice, fostering a comprehensive understanding of contemporary managerial challenges and innovative solutions that promote organizational effectiveness, sustainability, and excellence. JME welcomes interdisciplinary and cross-functional perspectives that enhance management knowledge and support evidence-based decision-making for academics, practitioners, policymakers, and business leaders worldwide. Scope JME publishes empirical research, theoretical studies, conceptual models, case analyses, and review articles spanning a wide range of management disciplines, including but not limited to: 1. Strategic Management Competitive strategy and organizational performance Strategic innovation and business model transformation Corporate governance and stakeholder management 2. Organizational Behavior & Leadership Leadership theories and practices Employee motivation, engagement, and well-being Organizational culture, diversity, inclusion, and change management 3. Human Resource Management Talent acquisition and development Performance management and HR analytics Future of work, remote teams, and workforce transformation 4. Operations & Supply Chain Management Operational excellence and process optimization Sustainable and resilient supply chain practices Quality management and productivity enhancement 5. Innovation, Technology & Digital Transformation Digital strategy and technology adoption Artificial intelligence, data analytics, and digital leadership Innovation ecosystems and R&D management 6. Entrepreneurship & Small Business Management Startup ecosystems and venture development Family business management Social entrepreneurship and enterprise growth strategies 7. Corporate Sustainability & Ethical Management ESG performance and sustainability reporting Corporate social responsibility initiatives Ethical decision-making in business environments 8. International & Cross-Cultural Management Global business strategies and international competitiveness Cross-cultural leadership and communication International HRM and global mobility Journal Information Title: Journal of Management Excellence (JME) Frequency of Publication: Quarterly (January, April, July, October) ISSN: 3108-2815 Publisher: NOVARA PUBLISHERS Publisher Address: #605, Jasmine Block, RDB Coconut Grove, Dynamics Colony, Mayuri Nagar, Hyderabad, Telangana – 500049, India Editor-in-Chief: Dr. Madhaveni Swetha Copyright: © Journal of Management Excellence Starting Year: 2025 Subject Category: Management Language: English Publication Format: Online Contact Information Phone: +91 9030161092 Email: editor@jme-journal.com |editorjmejournal@gmail.com | info@novarapublishers.com Website Journal Website: jme-journal.com Publisher Website: novarapublishers.com
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GUERRILLA MARKETING CAMPAIGNS WITH REFERENCE TO REDBULL INDIA
Red Bull India's guerilla marketing campaigns utilize innovative, cost-effective strategies to increase brand awareness by emphasizing surprise, creativity, and public engagement. Campus activations, street performances, sponsored excursions, extreme sports displays, and social media integrations have the potential to engage urban millennials and create unforgettable experiences. These methods are designed to improve memory recall, enhance user-generated content, and portray the brand as a lifestyle-focused, audacious, and adventurous entity, rather than concentrating on products. By utilizing influencer networks, cultural centers, and live events, Red Bull fortifies its position in the energy drink industry. According to research, Red Bull India can gain an advantage over its competitors by strategically employing guerilla marketing, which can enhance the brand's perceived appeal and generate unforgettable brand experiences.
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CUSTOMER RELATIONSHIP MANAGEMENT WITH REFERENCE TO AXIS BANK
Customer Relationship Management (CRM) strategies are implemented by Axis Bank to ensure that its customers are satisfied and likely to return. The bank employs data analytics, personalized interactions, and focused marketing as components of its advanced customer relationship management (CRM) system to ascertain its customers' preferences. People can establish enduring relationships with one another by engaging in active communication and leaving comments. In order to guarantee that all digital platforms and in-person branch services offer identical experiences, technology is implemented. Customer relationship management initiatives are evaluated based on their ability to retain customers and deliver services. This demonstrates the critical role they play in fostering development and maintaining a competitive edge. Axis Bank has emerged as a pioneer in the development of innovative banking solutions due to its unwavering commitment to its consumers.
ROLE OF ALM IN RISK MITIGATION FOR INDIAN BANKS WITH REFERENCE TO STATE BANK OF INDIA
The State Bank of India is employed as a case paperin this investigation to illustrate how asset-liability management (ALM) can help Indian banks stabilize their finances and reduce financial risks. Asset-Liability Management (ALM) can be implemented by banks to optimize their financing procedures and mitigate risks, including liquidity, interest rates, and credit fluctuations. SBI enhances operational efficiency and resilience by employing ALM approaches to evaluate interest rate sensitivity and maintain liquidity buffers. Stress tests and gap analyses are indispensable for the identification, assessment, and mitigation of risks within your financial institutions. The paperunderscores the importance of rigorous regulatory compliance, strong internal controls, and Asset Liability Management (ALM). As per SBI's experts, the integration of asset liability management into your strategic planning process helps to improve risk control and foster long-term success.
INDUSTRIAL RELATIONS AND WORKPLACE HARMONY WITH REFERENCE TO RELIANCE LIFE INSURANCE (NIPPON LIFE INSURANCE)
Employees' ability to work together harmoniously is a key factor in the success of Reliance Life Insurance's team, as shown by the findings. A positive work environment is contingent upon effective problem-solving, open communication, and employee engagement. Effective collaboration between management and personnel is essential for enterprises to prosper in the competitive service sector. Consequently, morale has risen, resistance has decreased, and output has increased. Establish cordial relationships with your colleagues to enhance their job satisfaction, productivity, and stability. This is corroborated by the organization's policies, complaints management, and overall demeanor. The results demonstrate that the insurance industry is unable to prosper and remain competitive in the absence of collaboration.
SALES FORCE MANAGEMENT WITH REFERENCE TO TATA MOTORS
Tata Motors, the greatest manufacturer in India, is the focus of this Sales Force Management (SFM) research. Effective SFM systems improve revenue growth, sales productivity, and consumer connections. Tata Motors is purportedly employing technology to assess employees, provide systematic training, and measure sales. These plans demonstrate the company's ability to address the current situation while preserving the concentration of its sales force. The research indicates that a sales force management system that is effective increases customer satisfaction, sales effectiveness, and company success. Tata Motors sustains a competitive advantage in the ever-evolving automobile industry by orchestrating its sales strategy. The text underscores the importance of investing in sales force skills, adaptability, and innovation to establish a robust market position and sustain a sustainable competitive advantage.
CUSTOMER LOYALTY AND SERVICE QUALITY IN RETAIL BANKING WITH REFERENCE TO YES BANK
This investigation employs Yes Bank to illustrate the influence of consumer trust on the quality of retail banking. It is essential to prioritize clients in order to achieve long-term success in the fiercely competitive financial industry. A growing number of individuals acknowledge the importance of providing exceptional customer service in order to retain devoted and satisfied customers. This research investigates the relationship between the trust of Yes Bank's retail clients and the characteristics of exemplary service, including tangibility, assurance, responsiveness, and empathy. Formal surveys were disseminated to clients of Yes Bank in order to acquire primary information. The bank's publications and reports were used to disseminate additional information. In order to examine the correlation between consumer trust and service quality, statistical specialists implemented regression and correlation analysis. The paper's results suggest that improved service provision promotes customer loyalty, retention, favorable word of mouth, and repeat business. These findings underscore the importance of implementing customized strategies to attract, retain, and grow their clientele. Retail banks, including Yes Bank, may develop innovative strategies to improve client loyalty, service excellence, and competitiveness in the changing banking industry by utilizing comprehensive data.
HIRING BIAS AND HR INTERVENTIONS WITH REFERENCE TO BANK OF BARODA
This inquiry seeks to investigate how hiring prejudice affects diversity at Bank of Baroda and what HR has done to remedy it. Geographic, age, gender, and socioeconomic prejudices were assessed to identify their impact on career chances. Blind recruiting, VR screening tools, and bias awareness workshops are used by specialists to assess HR prejudice. Data-driven institutional frameworks and policies promote diversity, impartiality, leadership, and company culture. The findings show that focused interventions eliminate bias, boost morale, satisfy customers, and inspire creativity. All of these characteristics create a more varied and innovative staff.
PRODUCT DEVELOPMENT LIFE CYCLE WITH REFERENCE TO ICICI BANK
In the fast-changing financial market, banks must employ the Product Development Life Cycle to stay competitive, prioritize users, and foster new ideas. The largest private bank in India, ICICI Bank, is investigating its PDLC approach. The inquiry follows financial solutions from creation to release and expansion. To understand how this bank supports innovation, explore ideation, market research, feasibility studies, product design, development, launch, and performance evaluation. To promote product growth and customer happiness, ICICI Bank must implement risk management regulations, legal compliance frameworks, IT systems, and customer feedback techniques. Agile product development allows the bank to adapt to changing consumer preferences, fintech competitors, and regulations. PDLC shaped the banking sector's long-term success.
PAY EQUITY TRENDS IN HR DATA ANALYTICS WITH REFERENCE TO DELOITTE
Pay equity is a top priority for HR managers as corporate pay systems become more transparent, fair, and inclusive. Data-driven insights and sophisticated analytics are changing how employers examine and resolve pay inequities, according to Deloitte's Pay Equity Trends in HR Data Analytics research. This paper shows how HR data analytics tools may discover unconscious biases, gender, racial, and position pay discrepancies, and ways to close them to ensure equitable compensation. Deloitte's predictive modeling and machine learning can help businesses move from reactive compliance to proactive stock management. The findings show that data governance frameworks that promote openness and equity, use ethical AI to analyze remuneration, and monitor compensation are growing. Pay equity analytics improves company performance and image by increasing employee trust and concern.
BRAND AWARENESS AND PERCEPTION WITH REFERENCE TO BAJAJ ALLINZ
This paper examines how emotional responses affect Bajaj Allianz brand insurance consumers' trust, loyalty, and decisions. A quantitative survey of varied demographics found that Bajaj Allianz offers a choice of insurance options and reliable service. Survey respondents say customer service and pricing clarity need improved. Strategic positioning and reliability are the company's strengths, but improving product quality and price transparency could boost its market share. The paper shows ways to boost customer satisfaction and loyalty and how brand beliefs affect purchases.
DIGITAL TRANSFORMATION IN PUBLIC SECTOR BANKS WITH REFERENCE TO BANK OF BARODA
This investigation examines numerous government organizations that are currently transitioning to digital platforms, including the Bank of Baroda. We will examine the ways in which automated technology, mobile banking, and digital platforms have benefited the banking industry. All of these technologies have simplified and improved the accuracy of finance. These findings demonstrate that digitization enhances the efficiency of work, expedites the completion of transactions, and simplifies the daily lives of individuals. The inquiry examines the three outcomes of these tactics: financial inclusion, service accessibility, and customer satisfaction. It examines the potential of data analytics and artificial intelligence (AI) to enhance risk management and assist individuals in identifying their own solutions. It is crucial to train personnel and develop a strategy prior to the implementation of digital technology. This investigation examines the primary factors that facilitated Bank of Baroda's expansion and advancement in the digital realm. To ensure a seamless transition, it is essential to have a robust technological foundation, prioritize customer satisfaction, and maintain a commitment to innovation.
PREDICTIVE ANALYTICS FOR CORPORATE FINANCIAL PERFORMANCEWITH REFERENCE TO MICROSOFT INDIA
This investigation is grounded in data and examines the manner in which Microsoft India communicates its financial status. Predictive analytics assists businesses in succeeding in the current challenging business environment by deriving critical conclusions from historical financial data. By integrating statistical models, machine learning, and sophisticated data visualization, predictive analytics assists businesses in maintaining financial stability, making informed investment decisions, and reducing costs. Microsoft India serves as an illustration of a digital economy that is flourishing. In order to be compliant with the regulations and ensure that their strategy aligns with market demands, all businesses require prediction analytics. The research asserts that predictive models can assist in the following areas: financial planning, long-term decision-making, and risk management. Microsoft India employs predictive analytics to facilitate financial decisions that are informed by data. This results in increased stability and value over time.
IMPACT OF MERGERS AND ACQUISITIONS ON ORGANIZATIONAL CULTURE AND WORKFORCE DYNAMICS IN INDIAN IT FIRMS
The impact of mergers and acquisitions (M&A) on the work practices and culture of Indian IT companies is investigated in this study. This field is very competitive both domestically and abroad and is growing quickly. This looks at how mergers and acquisitions affect an organization's overall performance as well as how different staff cultures interact, behave, and integrate. The essay discusses a number of topics, such as cultural differences, employees that are resistant to change, job instability, and different leadership philosophies that may have a detrimental effect on morale and productivity. The effective integration shows the substantial potential for talent development, innovation, and increased operational effectiveness. As demonstrated by recent research and case-based data, the study emphasizes the importance of inclusive leadership, open communication, and strategic change management in promoting a smooth transition. When engaging in mergers and acquisitions (M&A), Indian IT companies must make sure that their financial and strategic alignment, employee dynamics, and business culture are all in sync.
FINANCIAL PERFORMANCES OF TELANGANA GRAMEENA BANK – CAMEL MODEL EVALUATION
An individual's financial stability and success are contingent upon the efficient and effective management of a banking system. The financial condition of Telangana Grameena Bank is evaluated using the CAMEL model, a reputable framework, in this study. The evaluation spans the decade of 2014–15 to 2023–24 and prioritizes five critical domains: capital adequacy, asset integrity, managerial efficacy, earnings integrity, and liquidity. Secondary data from the bank's annual reports is employed in the analysis. The results suggest that the bank has maintained a strong capital foundation by consistently surpassing regulatory standards. This demonstrates the bank's capacity to maintain its financial stability and reduce risk. In recent years, there has been a consistent decrease in non-performing assets (NPAs) and full funding has been achieved. The considerable improvement in asset quality is indicative of effective credit risk management. Proficient management yields increased profitability, enhanced resource efficiency, and increased productivity. The bank's profitability has increased over time, resulting in a broader range of income streams, an enhanced net interest margin, and increased total profits. The bank is now capable of fulfilling its short-term obligations and preserving depositor confidence as a result of a substantial increase in liquidity. Analysts contend that Telangana Grameena Bank's performance within the CAMEL framework has fostered consistent growth and financial stability. The results suggest that the CAMEL model is a highly effective diagnostic tool for evaluating outcomes and facilitating comparisons. The research offers critical insights for bank management, regulators, and policymakers to improve financial performance and foster long-term sustainability in a dynamic banking environment.
A STUDY ON LIQUIDITY MANAGEMENT IN AUTOMOBILE SECTOR WITH REFERENCE TO TATA MOTORS
Financial stability and efficient operations depend on how large corporations manage their liquidity, and Tata Motors is no exception. In the capital-intensive and fast-paced automotive business, Tata Motors meticulously controls its cash flow to keep its day-to-day operations running. The company can take care of its immediate obligations, increase its working capital, and be prepared for unforeseen challenges if it meticulously records its financial inflows and outflows. Cash flow forecasting, accounts receivable and payable tracking, inventory management, and the use of short-term borrowing as necessary are its primary strategies. Tata Motors is able to adapt swiftly to market shifts and seize new investment opportunities thanks to these strategies, which help reduce financial risks. The capacity to grow and maintain dominance in the auto industry is directly correlated to the quality of the company's liquidity management.
A STUDY ON SIX SIGMA APPLICATIONS IN HR PRACTICES AT PNC INFRATECH
This study looks into how Six Sigma is used in human resources at PNC Infratech, a well-known Indian company that builds infrastructure. A company's human resources department plays a crucial role in the pursuit of operational excellence by lowering process variation, raising worker output, and guaranteeing employee happiness. Six Sigma has helped PNC Infratech streamline their training processes, reduce staff attrition, increase hiring speed, and fortify their performance management standards through the use of DMAIC and data-driven decision-making. In order to determine how effective the process improvement was, the study first investigates the most pressing issues, then applies quality management approaches to identify their root causes. Shorter cycle times, more accurate hiring processes, and improved employee productivity are just a few of the quantitative benefits that have been discovered through implementing Six Sigma in human resources. The study's findings point to Six Sigma as a promising framework for transforming HR processes. The infrastructure sector has a systematic strategy to enhancing strategic HR efficiency that might have a significant impact.
A STUDY ON FINANCIAL STATEMENT ANALYSIS AND INVESTMENT DECISIONS AT RELIGARE SECURITIES
The ability to analyze financial statements is a crucial skill for stock market investors to have. By analyzing financial statements including income and balance sheets, this research by Religare Securities shows how real company strategies are created. Potential investors can gauge the strength, stability, and riskiness of a business by looking at its profitability, liquidity, rate of return, and returns. Using ratio and trend analysis, one can find opportunities and avoid problems. In order to make better investing selections, it is helpful to compare the performance of different companies. This approach does double duty by both consolidating data and enhancing trust in investment decisions. An example of a company that uses this technology on a daily basis is Religare Securities. In order to diversify stock portfolios and lower risk while trying to raise their value, the research shows how financial data can be used.
A STUDY ON WORKFORCE MOTIVATION AND VARIABLE PAY MODELS AT CARE RATINGS
This study investigates the effects of CARE Ratings' performance-based pay systems on staff engagement, output, and organizational cohesiveness via the lens of the relationship between employee motivation and variable compensation plans. This study examines the impact of incentive programs, bonus structures, and role-specific variable compensation on employees' perceptions of fairness, transparency, and motivation. By integrating secondary research, an examination of HR policy, and employee opinions, the study sought to determine the efficacy of present variable compensation systems in encouraging high performance. The goal of analyzing the outcomes is to get insight into the organization's strengths and areas for improvement. By doing so, we can increase motivation, retention, and overall efficiency.
A STUDY ON INFRASTRUCTURE FINANCING THROUGH PPP MODELS AT LANCO INFRATECH
This article discusses the ways in which infrastructure investment can be made more sustainable through the use of Public-Private Partnership (PPP) models. The energy and transportation projects in India that Lanco Infratech has been involved in are the main focus. Project performance, risk distribution, and the utilization of private sector resources are all examined through the lens of public-private partnership frameworks. Project SPVs, viability gap funding, and concession deals are some of the ways Lanco built up its finances, and they are the primary focus of the investigation. Issues with liquidity, debt levels, and the sustainability of PPP-based assets over the long term are also considered. This research delves into the regulatory procedures, government backing, and institutional frameworks that influenced Lanco's project outcome. It goes on to discuss issues that arise throughout deployment, such as cost overruns, unclear demand, and operations. In order to determine the primary factors influencing the success of PPP endeavors, the study examines project schedules and financial results. A leader's vision, careful management of funds, and carefully crafted contracts are vital, as shown by the outcomes. Investors' perceptions and the creditworthiness of PPP projects are detailed in the report. It concludes that, in addition to public-private partnerships, robust control and risk management are critical when constructing infrastructure. The findings should motivate policymakers and developers to create more reliable funding mechanisms.
A STUDY ON INVESTOR PREFERENCE IN GOLD INVESTMENT AT CARATLANE
This paper looks at how investors like to put their money into gold investments, focusing on CaratLane, which is one of India's best omni-channel jewelry stores. As long as people continue to view gold as a trustworthy and culturally significant item, jewelry designers, whether they work in the traditional or contemporary style, will need to adjust to shifting consumer preferences. Some of the most essential factors that the study considers when making financial decisions are: internet accessibility, brand trustworthiness, perceived security, liquidity, quality assurance, innovative design, and brand liquidity. The study examines Carat Lane's products—digital gold options, buyback and exchange policies, and lightweight gold jewelry—to see how contemporary investors juggle the two competing priorities of aesthetics and financial success. The findings demonstrate that individuals, particularly the younger generation, are showing a growing preference for more affordable investments as well as simpler, more technologically advanced purchasing experiences. According to the research, Carat Lane's clever combination of cheap costs, transparency, and digital interaction positions it to satisfy the changing demands of users in the gold investing business.
AI-DRIVEN FORENSIC ACCOUNTING FOR FRAUD PREVENTION AT EY INDIA
AI-driven forensic accounting in strengthening fraud prevention tactics at EY India is examined in this essay. It examines how investigations and audits have been altered by contemporary analytics, machine learning algorithms, and intelligent automation. The paper demonstrates how EY use techniques for anomaly detection, predictive risk assessment, and continuous transaction monitoring to identify issues early. Additionally, it examines how AI enhances forensic procedures by decreasing human error, expediting evidence gathering, and verifying audit trail accuracy. The study demonstrates the significance of natural language processing in identifying covert fraud indicators in relationships, contracts, and unstructured data. It also examines how EY India use AI-powered screens that assist decision-making by utilizing risk heatmaps and pattern visualization. The study demonstrates how crucial it is to integrate subject-matter expertise with AI to ensure that red signals are interpreted appropriately. Additionally, it discusses data stewardship, model transparency, and ethical issues that are critical to the proper application of AI. The findings demonstrate how AI greatly facilitates firms' ability to identify fraud and ensure proper financial management.
SKILL DEVELOPMENT THROUGH HR PROGRAMS AT CARATLANE
In today's competitive business world, companies acknowledge the value of assisting their employees in developing their abilities. CaratLane, a well-known online jewelry retailer and retailer, has employed successful HR practices to boost employee productivity, engagement, and skill levels. This inquiry looks into the operation of CaratLane's HR-led skill development programs, with a special emphasis on mentorship, organized training courses, online courses, and hands-on learning. According to the research, these programs not only address skill gaps, but also help individuals use their strengths to advance the company's goals, fostering a culture of continual learning and creativity. The research assesses the effectiveness of CaratLane's HR activities and makes recommendations to improve business success, increase worker flexibility, and develop talent. The findings highlight the importance of HR efforts in developing a talented, adaptive, and motivated workforce, all of which are vital to a company's long-term success.
CAPITAL STRUCTURE OPTIMIZATION IN MANUFACTURING FIRMS AT ASIAN PAINTS
Capital structure has a significant impact on corporate finance because it determines the proportion of debt and equity that a company uses to fund its operations and expansion. Businesses that optimize their capital structure can lower their total cost of capital while increasing shareholder wealth. This investigation evaluates Asian Paints, a well-known Indian paint manufacturer, to assess its capital structure strategies and options. The investigation looks into the company's historical financial performance, leverage ratios, cost of capital, and the effect of the debt-to-equity ratio on profitability and risk. By examining the impact of various funding sources on financial stability, the research demonstrates how Asian Paints strikes the right balance between risk and return. The findings show that a well-structured capital mix can help manufacturing businesses achieve long-term financial sustainability, improve operational effectiveness, and maintain growth.
FINANCIAL INCLUSION AND SELF HELP GROUPS AT SOUTH INDIAN BANK
Financial inclusion has become an important way to support fair growth by making sure that poor people and other marginalized groups can use formal financial services. If rural women want to learn how to budget, save money, and get loans, they need to join a self-help group (SHG). One of India's most prominent private banks, South Indian Bank, has been working closely with SHGs to expand access to banking services. Microfinance, credit linkage programs, and individualized banking services are all ways the bank helps self-help groups (SHGs) become financially stable. Rural businesses and women are bolstered by this program, which also helps them to rely less on unregulated funding sources. According to the research's findings, South Indian Bank's SHG-focused programs help achieve the country's goal of financial inclusion by fostering inclusive development, community improvement, and the reduction of poverty.
FUNDAMENTAL Vs TECHNICAL ANALYSIS OF EQUITY AT ANGEL ONE
This paper presents a comparative overview of Fundamental Analysis and Technical Analysis in equity investment, with reference to Angel One. Fundamental analysis evaluates a company’s intrinsic value by examining financial statements, economic conditions, and industry trends, making it suitable for long-term investment decisions. Technical analysis, on the other hand, focuses on price movements, volume, and chart patterns to predict short-term market behavior. Angel One provides investors with integrated tools for both approaches, including fundamental data, financial ratios, and advanced technical indicators. The paper highlights how fundamental analysis supports value-based investing, while technical analysis aids in market timing and trading strategies. It emphasizes that investor objectives and time horizon influence the choice of analysis. The paper concludes that a combined use of both methods through Angel One can improve investment decision-making and portfolio performance.
This paper looks into Tata Steel's B2B branding tactics, highlighting the importance of a strong corporate brand in gaining a sustained competitive advantage in industrial markets. This inquiry focuses on Tata Steel's brand-building strategy, which includes more than just costs and products. It explores how trust, long-term connections, technological competency, sustainability, and firm reputation influence consumer perceptions and decisions. Tata Steel's dedication to principles such as dependability, moral corporate behavior, creativity, and customer-focused solutions demonstrates that B2B branding entails more than just marketing; it also includes strategic communication, stakeholder engagement, and supply chain relationships. The inquiry also looks into the possibility of value-added services, digital transformation, and sustainability activities to boost a brand's credibility with foreign partners and institutional buyers. Tata Steel sees itself as a strategic partner to its business-to-business clients as well as a steel maker, combining its brand goal with operational excellence. According to the findings, relationship management, consistent brand messaging, and social and environmental responsibilities all have a substantial impact on brand equity in B2B marketplaces. This information will be useful to industrial businesses seeking to create strong identities over time.
DIGITAL PAYMENT ADOPTION IN RURAL BANKING AT CANARA BANK
This paper looks into the importance of digital payments in rural banking and how technology-driven payment solutions have boosted financial inclusion in India's rural economy, focusing on Canara Bank. The paper looks at how UPI, mobile banking, RuPay cards, Aadhaar-enabled payment systems (AePS), and micro-ATMs can help rural households, farmers, and small business owners gain better access to formal financial services. Furthermore, it assesses infrastructure readiness, technical comprehension, trust in digital platforms, and the ability of government programs, business correspondents, and bank-led initiatives to accelerate adoption. The paper examines network limits, cybersecurity issues, and user knowledge to show how Canara Bank promoted the growth of cash-light, inclusive financial transactions in India and boosted rural digital banking ecosystems.
ICICI Bank's customer service aims to provide its customers with a personalized and easy banking experience. The bank's major purpose is to serve a wide range of clients by providing a variety of services such as retail, corporate, and rural banking. ICICI Bank uses technology to provide basic services including online and mobile banking, which allows clients to manage their accounts, apply for loans, and send money. The bank focuses a significant priority on digital banking solutions. Furthermore, the bank offers a large number of ATMs and in-person locations. Furthermore, ICICI Bank claims that it will rapidly respond to customer concerns via its specialized support channels, which include a 24-hour customer service helpline and complaint filing procedures. Millions of Indians have faith in ICICI Bank because of its dedication to innovation, efficiency, and ease.
CASH FLOW ADEQUACY IN LARGE CORPORATES AT RELIANCE INDUSTRIES
Cash flow sufficiency is an important criterion for assessing a company's financial performance. It demonstrates how easily it can create enough revenue to pay its operations, liabilities, and expansion costs. This paper assesses the cash flow adequacy of Reliance Industries Limited (RIL), one of India's most diverse and large enterprises. The research focuses on the cash flows from financing, investment, and operating activities. It evaluates the company's financial statements for the prior five years. We assess crucial measures such as the operating cash flow to current liabilities ratio, free cash flow trends, and cash conversion efficiency to see whether RIL can continue operations and expand strategically. The findings show that Reliance Industries' significant cash flow is a direct outcome of its judicious capital expenditure, good working capital management, and high operating performance. The paper underlines the importance of large companies' ability to generate sufficient cash flows to provide financial stability, investor trust, and long-term growth. This document includes a wealth of information for corporate managers, financial analysts, and investors on managing liquidity and maintaining a good financial position in large organizations.
REWARDS AND RECOGNITION FOR WORKFORCE PERFORMANCE AT TVS MOTOR
This research investigates the efficacy of rewards and recognition programs in improving employee performance at TVS Motor. It underscores the importance of methodical frameworks for appreciation in fostering engagement, motivation, and overall organizational productivity. It investigates the extent to which the organization's performance-oriented culture is consistent with its utilization of both monetary and non-monetary incentive strategies. In order to influence employees' behavior, the study underscores the importance of providing them with clear performance metrics, timely recognition, and career development incentives. It also investigates the ways in which TVS Motor's recognition initiatives promote continuous improvement, elevate employee morale, and foster a sense of community. Insights indicate that employees favor personalized, skill-based incentives that recognize their distinctive contributions. In conclusion, this investigation illustrates that an efficient incentive and recognition system is essential for the maintenance of high performance, the reduction of attrition, and the promotion of organizational excellence in competitive manufacturing environments.