ICT has been the cornerstone of recent financial sector reforms aimed at increasing the speed and reliability of financial operations and initiatives to strengthen the banking sector. The intense competitive environment is continuously forcing the banks to become customercentric. Today technology has emerged as a strategic resource for achieving higher efficiency, control of operations, productivity and profitability for Banks as well as it is the realization of their 'anywhere, anytime, anyway' banking dream for customers. But instead of all these benefits, the awareness and adoption rate of banking services among the rural customers is still found very low. Hence this paper presents the preliminary findings on investigation of the level of the customer's awareness as well as adoption of banking services by the rural customers based on demographics, bank type, familiarity with computer/internet.

Agriculture is classified as a primary sector and is assigned a significant role for providing employment, income and fulfillment of hunger needs and principal source of livelihood for more than 58% of the population of this country. The agricultural production is dependent largely on the weather and is severely impacted by its vagaries as also by attack of pests and diseases. These unpredictable and uncontrollable extraneous perils render Indian agriculture an extremely risky enterprise.
In view of this, the need for protecting farmers from the various risks and hazards was recognized by the Government of India and insurance providers. Various insurance schemes/products are designed and offered to cover risks in farming. The success of these schemes is dependent not only on government policies and administrative machinery but also on farmers. Since it is important to evaluate awareness and benefits of the insurance, from time to time, both researchers and policy makers have evinced interest in evaluating them.
The present study is an attempt in that direction to study the extent of crop insurance awareness, purchase benefits and satisfaction among 360 farmers in two leading villages in paddy (notified crop) cultivation- Kunichampet and Mannadipet in Puducherry district. The study findings revealed that there were constraints like less benefits and dissatisfaction towards claim settlement of crop insurance. Steps are necessary from Government and insurance delivery agents to promote insurance to counter problems like low benefits and dissatisfaction.

Foreign direct investment in India has played a significant role in the development of the Indian economy. FDI in India has in a lot of ways enabled India to achieve a certain degree of financial stability, growth and development. As a developmental tool, it plays an important role in the long-term development of a country not only as a source of capital but also for enhancing competitiveness of the domestic economy through transfer of technology, strengthening infrastructure, raising productivity and generating new employment opportunities. India after liberalizing and globalizing the economy to the outside world in 1991, there was a massive increase in the flow of foreign direct investment due to economic stability of the country. So, this paper have made an attempt to probe bidirectional relationship empirically between the foreign direct investment and economic growth in context of India and it is found that Gross Domestic Product causes Foreign Direct Investment which reveals that there is unidirectional relationship between Foreign Direct Investment and Gross Domestic Product . For FDI to be a noteworthy provider to economic growth, India would do better by focusing on improving infrastructure, human resources, developing local entrepreneurship, creating a stable macroeconomic framework and conditions favourable for productive investments to augment the process of development.

Quality of work life is a very important issue in all type of industries especially in integrated iron and steel plants. Iron and steel plant are basic industries providing back bone for industrialization in any country. The physical working environments are much more hazardous in these industries than any other industries. Bokaro Steel Plant (BSL) is the fourth integrated and second largest steel producing unit of Steel Authority of India Limited (SAIL). The present study has been focused on evaluation of factors related to quality of work life in BSL in relation to employees' grade demographic. Based on employees' perception regarding 31 (thirty one) variable taken under eight factors these are Working environment, Employees welfare, Relational factor, Promotional factor, Employees commitment & developmental, Employees involvement and influence, Job satisfaction and Financial factor. It has been observed that in most of the variables the average perception score of non executives' was lesser than that of the executives'. In case of non-executives the employees of junior operative technician showed dissatisfaction in most of the factors.

Talent Management is a set of integrated organizational Human Resource (HR) processes designed to attract, develop, motivate, and retain productive, engaged employees. The goal of talent management is to create a high-performance, sustainable organization that meets its strategic and operational goals and objectives.Talent Management puts together the right people with right skills into the right jobs.
Lewis and Heckman (2006) defines talent management as identifying mission-critical values, competencies and talents needed in the current and future workforce; clarifying the methods that will be used to recruit, hire, develop, manage and retain a high performing workforce.
Dijk (2008) states that talent management requires a systematic view that calls for dynamic interaction between many functions and processes. Talent management is about attracting, identifying, recruiting, developing, motivating, promoting and retaining people that have a strong potential to succeed within an organisation.

Ever since the emergence of civilization, social behaviour has become an integral part of human life and activities of mankind. The moral, cultural and social behaviour can help one comprehend the aspect of responsibility he has towards various things. The concept of 'survival of the fittest' in the competitive business environment demands what is now refined and popularly known as social responsibility. In other word the term Corporate Social Responsibility (CSR) is also defined as the Corporate Conscience, Corporate Citizenship, and Social Performance, Sustainable Responsible Business or only Responsible Business. The objective of the present study is to examine the relationship between CSR and financial performance of RIL Ltd. The study period is 2006-07 to 2011-12. The present study is mainly based on the secondary data. For the evaluation of financial performance various ratios have been used and for the testing of hypothesis and relationship between CSR and financial performance the various statistical tools have been used. The result of the present study shows that there is positive correlation between CSR index and financial performance of RIL Ltd. during the study period but is not significant.

This empirical study has made an attempt to investigate the effect of emotional intelligence on customers' adoption of Samsung mobile devices. Four emotional dimensions “well-being, self-control, emotionality, and sociability”, have been considered while preparing the questionnaire which was developed by Petrides, another questionnaire using five dimensions “ Idealization, Memories, Pleasure, Intimacy and Uniqueness” was constructed for measuring brand love and five point Likert scale was used for purpose of analysis. The questionnaire was distributed among 360 students who use Samsung mobile devices, and based on the values derived from Structural Equation Model (SEM) it is detected that Self-control and Emotionality have a positive relationship with Brand Love factors when compared to Well-being and Sociability.

'Balance' refers to a 50:50 investment or allocation which is not a desired situation for all people. WLB is not simply a matter of time distributed equally in the workplace and at home. It cannot be weighed or simply calculated by a predetermined formula. People have many roles to play, such as employer, manager, caregiver, parent, partner and child. When role demands from one domain tend to interfere with demands arising from the other domain, role conflict occurs. Once an individual confronts role conflict, it is unlikely that he or she can enjoy a feeling of balance. WLB is how people play a successful role in both work and families with minimal role conflict.
This research is to identify the impact of time on work life balance of small entrepreneurs and to understand its concepts so that the same can be proposed to the small entrepreneurs to achieve better balance in their lives. The results of the quantitative analysis show significant impact of stress, on the work life balance of small entrepreneurs.

As per the 2011 census, rural areas account for 69 percent of India's total population. Therefore, improved connectivity and accessibility to rural areas will provide a vital impetus to the country's economic growth. Development of rural infrastructure in general and rural transport infrastructure in particular is very crucial in India. Rural road connectivity ensures access to critical services and opportunities, and fosters sustainable poverty reduction programs as well as employment generation through industrialization in rural areas. It is estimated that 20-30 percent of the agricultural, horticultural and forest produce gets wasted because of either inadequate rural road network or poor condition of roads, which creates an impedance for transporting such commodities for the user needs. Rural road accounts for 60 percent of the total road length in India. While the total rural road length was only 3,54,530 kilometres in 1970-71, it has increased to about 24,50,559 kilometres in recent times. These statistics corroborate the importance given to the development of rural roads as part of the overall development of the country. Furthermore, research suggests that public investment in infrastructure, specifically in the rehabilitation of rural roads, improves local community and market development. Studies on rural road development in several countries reported rise in male agricultural wages and aggregate crop indices (Bangladesh), increase in the availability of food, the completion rates of primary school and the wages of agricultural workers (Vietnam), etc. However, studies on Indian rural roads are almost non-existent. Against this backdrop, the present study analyses some past trends and present practices related to rural transport in India. In addition, the study investigates the impact of rural road infrastructure development on socio-economic conditions of the rural population including the overall contribution to the nation.

The Credit Appraisal is a complete exercise which starts from the time a potential borrower walks into the branch and concludes in credit delivery and monitoring with the objective of certifying and maintaining the quality of lending and managing credit risk. Credit appraisal is the assessment of the viability of proposed long term investments in terms of shareholder wealth and the formal analysis of all project costs and benefits which is used to justify the project proposal. The bank has over the years designed and adopted the Best Practices Code. This in effect represents the bank's philosophy towards effective Corporate Governance.
The liberalization of the financial sector demands a new technology to cope with the rising pressures on the profitability of banks and financial sector institutions. Analyzing lending strategies, credit appraisal, risk analysis and lending decisions, while keeping in mind the broad framework of corporate banking strategy, this book emphasizes that lending is no longer an activity restricted to the assets side of the balance sheet. An invaluable tool for practicing managers and students of business and financial management, this book demands no prior specialized knowledge of the subject, taking readers from the rudiments of credit appraisal to advanced levels of decision making. Numerous examples from the world of business have been provided to facilitate a better understanding of the vast and significant changes in the financial market. The objective of credit analysis is to look at both the borrower and the lending facility being proposed and to assign a risk rating. The risk rating is derived by estimating the probability of default by the borrower at a given confidence level over the life of the facility, and by estimating the amount of loss that the lender would suffer in the event of default.

Make in India call of NaMo Govt. has to be differentiated from Made in India. We have to attract FDI in manufacturing sector to fill the gap in investment by unwilling Indian Business and helpless public sector. It is a timely strategic call given by NaMo Govt. in view of global economic crisis. We have to improve GDP Growth Rate from 5% to 7% by increasing share of manufacturing sector from Just 18% to 30%. Several obstacles are there. We need political wisdom, consensus, foresight rather than confrontation based on outdated controversies to succeed in this mission of inclusive balanced growth. It will not be export led but domestic market led this time.