Journal of Science and Technology Excellence
Welcome to the Journal of Science and Technology Excellence (JSTE) The Journal of Science and Technology Excellence (JSTE) is an international, peer-reviewed, open-access journal published by Novara Publishers. Our mission is to provide a premier scholarly platform for researchers, engineers, academicians, professionals, and industry experts to publish high-quality, innovative work across all major engineering domains. At JSTE, we believe in advancing the frontiers of technology. Our aim is to promote research that drives innovation and solves real-world challenges — from intelligent computing to sustainable energy. Join us in fostering scientific excellence. Aims & Scope The Journal of Science and Technology Excellence (JSTE) provides a platform for high-quality research in science, engineering, and technology. JSTE publishes original research, review articles, and case studies in a broad range of disciplines, including but not limited to: Science Fields: Physics and Applied Physics Chemistry and Materials Science Environmental Science Biotechnology and Life Sciences Technology & Engineering Fields: Electrical Engineering Mechanical Engineering Civil Engineering Computer Science and Engineering Electronics and Communication Engineering Artificial Intelligence and Machine Learning Internet of Things (IoT) Renewable and Sustainable Energy Other Emerging Engineering Fields JSTE aims to promote interdisciplinary research that bridges scientific discovery with technological innovation, supporting advancements that address real-world challenges. The journal follows a double-blind peer-review process to ensure the highest standards of quality and academic integrity. All published articles are made available under the Creative Commons Attribution (CC BY 4.0) License, enabling unrestricted access, sharing, and distribution with proper attribution. JSTE adheres to the ethical standards recommended by the Committee on Publication Ethics (COPE) and ensures long-term preservation of published content through LOCKSS and CLOCKSS archiving systems. Journal of Science and Technology Excellence (JSTE) Frequency of Publication: Quarterly (January, April, July, October) ISSN: 3108-3102 Publisher Name: NOVARA PUBLISHERS Publisher Address: #605, Jasmine Block, RDB Coconut Grove, Dynamics Colony, Mayuri Nagar, Hyderabad, Telangana – 500049, India Editor-in-Chief: Dr. G. Kishor Kumar Copyright: Journal Science and Technology Excellence Starting Year: 2025 Subject: Multi-disciplinary Language: English Publication Format: Online Phone Number: +91 9030161092 Email IDs: editor@jstejournal.com | editorjstejournal@gmail.com | info@novarapublishers.com / novarapublishers@gmail.com Website: jstejournal.com Publisher Website: novarapublishers.com
All articles published in the Journal of Engineering Excellence (JEE) are licensed under the terms of the Creative Commons Attribution 4.0 International License (CC BY 4.0). Under this license, authors retain full copyright of their work while granting permission for anyone to read, download, copy, distribute, print, search, or link to the full texts of the articles, or use them for any other lawful purpose, without asking prior permission from the publisher or author — provided that the original work is properly cited. This open-access license ensures maximum dissemination and impact of the published research by allowing free and immediate access to scholarly work. For more details, please refer to the official license page: ???? https://creativecommons.org/licenses/by/4.0/
DESIGN OPTIMIZATION OF COMPOSITE PROPELLER BLADES FOR LIGHTWEIGHT AIRCRAFT
This investigation's primary goal is to improve the aerodynamic efficiency, structural integrity, and overall performance of composite propeller blades for light aircraft, all while minimizing their weight and fuel consumption. This study investigates the possible uses of modern composite materials, especially carbon fiber reinforced polymers, because of their exceptional strength, corrosion resistance, and longer lifespan after repeated usage. Computer programs and modeling tools are used to assess the blade's chord distribution, twist angle, airfoil shape, and fiber orientation in order to maximize performance in a range of working circumstances. The distribution of stress, vibration, power production, and airflow of propeller blades are examined using computational fluid dynamics (CFD) and finite element analysis (FEA). The improved composite blade design weighs less during manufacturing, has less structural deformation, lasts longer, and is more effective than conventional metal blades. This makes it perfect for the lightweight aircraft applications of today.
Copyright (c) 2026 Journal of Science and Technology Excellence https://creativecommons.org/licenses/by-nc-nd/4.0
AN ENHANCED SECURE KEYWORD SEARCH FRAMEWORK FOR CONFIDENTIAL DATA SHARING OVER CLOUD ENVIRONMENTS
The price of computer hardware and programs has dropped significantly due to the increasing use of cloud infrastructure. Data encryption is a common practice prior to uploading files to the cloud in order to maintain data security. Encrypted data is more difficult to locate and transmit than unencrypted data. The onus is on the cloud provider to guarantee both the speed and security of search results and customer data. To circumvent these issues, we have developed CPAB-KSDS, an encryption approach for cloud data that utilizes ciphertext-policy attributes and incorporates keyword search and sharing capabilities. The proposed approach allows you to conduct both sending information based on characteristics and searching for terms based on characteristics simultaneously, which is an improvement over earlier systems that only allowed you to do one of the two. Additionally, if the PKG in the sharing area does not receive any interaction, the word associated with our theme may be modified. In this paper, we examine the CPAB-KSDS concept and the security model it stands for in greater detail. Also, we frequently propose a specific approach and demonstrate that it is secure against selected ciphertext and selected keyword attacks in the context of the random oracle model. When considering the features and functions of the proposed construction, it becomes clear that it is both practical and economical.
Copyright (c) 2025 Journal of Science and Technology Excellence https://creativecommons.org/licenses/by-nc-nd/4.0
THE ROLE OF EMPLOYER BRANDING IN ENHANCING HUMAN RESOURCE RECRUITMENT AND RETENTION
Employer branding's primary objective is to draw in and keep talented workers. Understanding the customs, preferences, and expectations of the company's current workforce helps achieve this. While remaining committed to its objectives, the company gave market expertise, genuine employee involvement, and human capital development top priority. Along with a dedication to sustaining profitability and effective human resource management, it placed a great emphasis on the creation of a corporate culture. We are now investigating more sources that might bolster Donald Decamp's claim that employer branding is more important than a company's image or Simon Barrow's view that employee recognition should be a part of the marketing brand. In order to determine whether the ideas are still applicable, we examine specialized literature as well as the approaches taken by teams operating in this field.
ENHANCING ORGANIZATIONAL LEARNING THROUGH EFFECTIVE KNOWLEDGE MANAGEMENT SYSTEMS
Organizational learning (OL) and knowledge management (KM) are two terms in today's business lexicon that strive to give companies an edge in the dynamic global market. By reviewing the literature and analyzing real-world examples, this paper delves deep into the topic of knowledge management's impact on organizational learning. Knowledge management and organizational learning's foundational principles are examined in the abstract's first section. When these principles are put into place, organizations will make it easier to generate, distribute, and evaluate data. To promote innovation, improve decision-making, and keep a competitive advantage, it stresses the importance of knowledge assets as basic resources. Knowledge management entails five distinct phases: production, acquisition, preservation, distribution, and application. This abstract delves deeply into each of these phases, analyzing the key approaches, tactics, and technological resources used at each. The article compares and contrasts various knowledge management systems and how they affect the efficiency and output of a business. Some examples of such structures are organizational memory systems, communities of practice, and knowledge repositories. Organizations must innovate, incorporate new information, and thrive in dynamic conditions; this is emphasized in the abstract, which also provides a detailed analysis of organizational learning. Different organizational learning approaches, such as single-loop and double-loop learning, are examined in the essay. In order to foster creativity and continuous improvement, the essay stresses the significance of establishing a learning culture. Topics pertaining to knowledge management and organizational learning are covered in the abstract. Data security, organizational change resistance, and the rapid deterioration of knowledge assets are urgent matters that require attention. The management of these challenges and the establishment of an environment that encourages learning and knowledge expansion are greatly affected by the company culture, leadership, and supporting infrastructure.
FORWARD Vs. FLYBACK CONVERTERS: A DETAILED INVESTIGATION FOR PERFORMANCE IMPROVEMENT
The efficiency, power factor, offset current, and core loss of both forward and flyback converters are investigated in detail in this paper. This research presents a comparison and contrast of the benefits and drawbacks of forward and fly-back layouts. Professionals are able to circumvent converter constraints by visually and aurally confirming performance metrics. The fast switching speeds of metal-oxide semiconductor field-effect transistors (MOSFETs) make them ideal for integrating the two designs. Included in this study is the merging of forward and flyback converter topologies. For optimal efficiency and power factor, use a single-stage balanced forward-flyback converter.
FIVE LEVEL INVERTER FOR RENEWABLE POWERGENERATIONSYSTEM
The usage of single-stage, single-phase inverters is on the rise among smaller photovoltaic (PV) systems due to regulations about green energy and shifts in the electricity market. Many people find that using transformers with three stages or more significantly increases their efficiency. The research concluded that photovoltaic (PV) systems should use inverters with one stage and five levels. The inverter's output current varies in response to changes in the photovoltaic (PV) grid voltage. The Sinusoidal Pulse Width Modulation (SPWM) architecture is the basis of this control method. Since SPWM simplifies the connection between the generator and the grid and eliminates the requirement for a phase-locked loop, it is finding increasing usage in a variety of technologies. The five-level inverter is demonstrated to function properly using Matlab models.
A ROBUST FRAMEWORK FOR MOTION BLUR DETECTION AND REMOVAL IN DIGITAL IMAGES
The majority of recent research in image processing has focused on correcting image distortions. The increasing relevance of image processing prompted the development of this novel concept. By employing these methods, haze can be located and eliminated. Among their many other capabilities is the ability to enhance and restore photos. Lens aberrations, out-of-focus blur, and moving subjects are a few of the many potential sources of blurry photographs. You can get all the information you need regarding recent advances in detecting and correcting motion distortion from this article. Using a Convolutional Neural Network and a Generative Adversarial Network (GAN), this study introduces a novel approach to detecting and repairing motion shift, hence reducing its impacts.
AN EFFICIENT GLITCH MITIGATION TECHNIQUE FOR LOW-POWER MULTIPLIER CIRCUITS
A couple of significant methods for processing digital signals that involve multiplication are filtering and the fast Fourier transforms (FFT). A common tool for achieving lightning-fast processing speeds is the parallel array multiplier. The majority of a digital signal processor's power goes into its multipliers, therefore finding ways to make them more efficient is a key component of developing low-power DSP systems. Constructing a full adder (FA) with minimal power consumption is a straightforward solution. Alterations done to the building can potentially compromise its strength. If required, omit sections that do not contain any missing goods. Several multipliers are constructed from a low-power, complete adder that uses ten transistors, as described in this article. In order to evaluate various instruments, these criteria are utilized. A fine-grained MTCMOS cell can prevent power leakage by utilizing power gating.
PRIVACY PROTECTION TECHNIQUES FOR WEB SEARCH PERSONALIZATION
The search engine returns more relevant results when you utilize personalized web search (PWS). Users' reluctance to divulge personal information while searching is a key factor in PWS's low adoption rate, according to the study. Our research primarily focuses on how Personalized Web Services (PWS) applications that leverage hierarchical user accounts reveal consumer preferences. A novel PWS platform, UPS, is the topic of this essay. By utilizing adaptive query-based approaches, this system can generalize user profiles while still honoring their privacy choices. One predictive metric considers the value of personalization, while the other considers the potential danger of revealing your profile; our runtime extension seeks a happy medium between the two. As an example, we demonstrate how to increase the amount of computations at runtime using greedy dynamic programming and integer linear programming techniques. Additionally, you can assess the potential value of question customization using our online tool. Extensive experiments have confirmed our method's efficacy time and time again. According to the research, GreedyIL outperforms Greedy DP.
A STUDY ON COST OF CAPITAL ESTIMATION IN MANUFACTURING FIRMS AT BHARAT FORGE
The cost of capital significantly influences a business's investment decisions, expansion strategies, and financial planning processes. Manufacturing businesses can enhance their financial strategy and boost the value of their shares by knowing the true cost of capital. This is because capital expenditures on equipment, software, and general company operations can add up quickly for manufacturers. A prominent player in India's automotive and industrial manufacturing industries, Bharat Forge is the focus of this article, which analyzes the company's use of debt and equity financing. It examines the process of calculating the WACC, the cost of debt, and the cost of equity by considering market circumstances, benchmarks, and business risks. This case study analyses Bharat Forge's market performance and financial statements to draw conclusions about the company's risk management, funding source selection, and return on investment (ROI) strategies for sustaining growth over the long term. Finding the correct cost of capital is more than simply a technical exercise, as the data demonstrate. It's a strategic tool that manufacturing organizations can use to stay competitive in an uncertain economic environment and come up with good ideas.
A STUDY ON REMOTE WORK POLICIES AND RETENTION OUTCOMES AT COCA COLA BEVERAGES PVT LTD
The ability to work remotely is increasingly seen as a key component of companies' strategies to retain employees. Workers at the industry-leading production and distribution company Coca-Cola Beverages Pvt. Ltd. are seeing their jobs in a new light thanks to more flexible work arrangements. People are able to better juggle their work and personal lives because to hybrid schedules and digital tools that improve communication. Workers develop a sense of worth and confidence when given more freedom in their work. Employee morale is boosted by initiatives that support work-life balance since it shows that the company values employees' health and happiness just as much as their productivity. By increasing job happiness and engagement, these methods decrease intentions to leave an organization. There are still concerns, though, regarding the suitability of certain jobs for distant work, the lack of adequate coordination, and the limitations of in-person interactions. When policies for remote work are well-thought-out, they help employees feel more comfortable and loyal to the company. Aligning these standards with job criteria and establishing effective communication channels are of utmost importance.
A STUDY ON INTERNET BANKING AND COST REDUCTION IN TRANSACTIONS WITH REFERENCE TO AXIS BANK
This research examines the ways in which Axis Bank has benefited from online banking, both in terms of convenience for clients and cost savings for the institution. Customers save time and energy by not having to visit branches as frequently due to the widespread availability of digital services. Online money transfers, bill payments, and account management have greatly reduced processing times and administrative expenses. Customers love it when they can access their money whenever they want, without any hassle or waiting in line. Reduced paperwork, streamlined procedures, and human error all work to the bank's advantage. The number of transactions has increased dramatically since online banking gained popularity, demonstrating its usefulness. Cybersecurity threats and uneven access to digital resources are still recognized in the report. Internet banking always finds methods to save money and increase operational efficiency for everyone, so it offers ways to make it more secure and to bridge the digital gap.
A STUDY ON VIRTUAL REALITY IN EMPLOYEE ONBOARDING AND TRAINING AT DELOITTE
The use of VR to create fully realistic educational environments has recently grown in popularity. New methods of training and orienting personnel have emerged as a result of the fast development of technology. Virtual reality (VR) has the potential to enhance engagement, memory retention, and skill acquisition; Deloitte was an early adopter of this technology in corporate training. With virtual reality (VR), employees may practice solving real-world problems in an immersive, lifelike environment. Without taking the risks associated with on-the-job training, they are able to learn by doing. This strategy streamlines the onboarding process and helps new employees comprehend the company's culture, norms, and practices more quickly. According to research by Deloitte, VR enhances workers' trust in one another, recall of previously learned material, and overall productivity. This abstract takes a look at the possible benefits and drawbacks of adopting virtual reality (VR) for training and onboarding, as well as how VR might revolutionize the way companies develop their employees in the modern era.
A STUDY ON BIG DATA APPLICATIONS IN FINANCIAL PREDICTION WITH REFERENCE TO TCS
This paper investigates potential avenues for improving financial forecasting at Tata Consultancy Services (TCS) through the application of big data techniques. Also covered are methods for improving investment strategies, predicting market trends, and reducing risks through the use of AI, ML, and advanced analytics. Using a wide variety of financial data sources, TCS enhances the precision of forecasting and decision-making. The research reveals the data-centric approach the organization employs to gain real-time insights from both structured and unstructured data. Additionally, it examines the ways in which big data may improve portfolio management, fraud detection, and creditworthiness evaluation. Using TCS's big data infrastructure to manage intricate financial systems is the main focus of the research. It then goes on to demonstrate how predictive analytics can be useful for client communication and company strategy development. Operational flexibility and prediction accuracy both saw significant improvements as a result. The report goes on to detail how TCS is enhancing its continuous financial performance through innovative use of big data.
INCENTIVE PROGRAMS AND EMPLOYEE MORALE AT RATNAM SOLUTIONS PVT LTD
This Research is to investigate the impact of incentive programs on employee morale at Ratnam Solutions Pvt. Ltd. is a medium-sized provider of IT services. The RESEARCH aims to determine the impact of various incentive mechanisms, both monetary and non-monetary, on motivation, job satisfaction, and overall workplace engagement. Employee surveys, interviews, and performance reports were used to determine the relationship between incentive structures and employee attitudes. Research has shown that well-designed incentive programs can significantly boost morale by emphasizing team and individual accomplishments, encouraging healthy competition, and reaffirming the organization's commitment. The Research also emphasizes the importance of aligning incentives with employees' intrinsic motivations and business goals in order to avoid short-term engagement spikes and burnout. Ratnam Solutions Pvt. Ltd. can maintain employee satisfaction and productivity by implementing a balanced incentive framework that includes monetary rewards, career development opportunities, and recognition-based initiatives, according to the Research. Ltd.
consumer preferences and behavior. The findings demonstrate the necessity of putting the consumer first in order to increase brand loyalty and revenue. This positions Reliance Smart as a market leader in the competitive retail sector. Reliance Smart is at the forefront of the continuously changing retail marketing landscape. This essay looks into Reliance Smart's innovative marketing techniques, which include personalized marketing campaigns, loyalty programs, and an omnichannel approach. Reliance Smart efficiently targets a wide range of customer segments by leveraging technology and consumer data. This improves the purchase experience while increasing market share. The paper demonstrates how Reliance Smart effectively solves issues in a dynamic business by emphasizing the value of adaptation and reactivity in retail marketing.
EMPLOYEE DATA PRIVACY AND HR ETHICS AT ACCENTURE
This investigation investigates Accenture's human resource (HR) ethics and employee data privacy. Accenture is a global provider of professional services that operates in a highly digital and data-driven environment. The protection of employee data has become more critical for businesses as they implement more advanced technologies, such as cloud-based HR solutions, artificial intelligence, and analytics. The abstract outlines Accenture's implementation of comprehensive governance structures, adherence to international data protection regulations such as GDPR, and the integration of ethical principles into HR procedures to safeguard the privacy of its employees' data. Consent, transparency, data reduction, privacy, and the responsible use of employee information are among the significant ethical issues that are addressed. The paper also underscores Accenture's dedication to the management of confidential employee data in a variety of cultural and geographic contexts, as well as the establishment of trust and the exercise of responsibility. Accenture ensures that HR ethics are in compliance with data privacy requirements, thereby enhancing employee trust, organizational integrity, and long-term business practices. This also mitigates the likelihood of legal action and brand damage. The results indicate that ethical HR data management is necessary to preserve a secure, transparent, and equitable workplace in the digital age.
ROLE OF SELF HELP GROUPS IN FINANCIAL INCLUSION AT BANDHAN BANK
This paper looks into the extent to which Self Help Groups (SHGs) promote financial inclusion, with a focus on Bandhan Bank. Self-Help Groups (SHGs) have emerged as a significant source of formal financial services for low-income households, particularly women, in rural and semi-urban India. Bandhan Bank uses the SHG-Bank connection approach to give vulnerable people that have been excluded from the formal financial system access to deposits, credit, insurance, and other banking services. This is the topic of the paper. According to the report, Bandhan Bank's focus on financial education efforts, streamlined credit checks, doorstep banking, and group lending has improved credit discipline and reduced transaction costs for both the bank and its customers. The bank's support for SHGs has made it easier for women to obtain finance, as well as to expand their social capital and generate revenue. SHG members have been able to develop small businesses, make purchases more readily, and rely less on informal moneylenders as a result of their regular savings and capacity to acquire credit when needed.
RURAL BANKING AND FINANCIAL INCLUSION CHALLENGES AT CANARA BANK
This study investigates the importance of rural banking in guaranteeing that all individuals have access to financial services, with a particular emphasis on Canara Bank's endeavors and obstacles in providing these services to those who are deprived of them. Rural banking is an essential method for establishing connections between the impoverished in outlying regions and traditional financial institutions. The report indicates that Canara Bank is confronted with a variety of challenges, such as a lack of banking infrastructure, seasonal revenue patterns, inadequate financial literacy, and challenges in securing financing for small-scale producers and rural business owners. The report also illustrates the influence of technological innovations, including government-sponsored initiatives, mobile banking, and digital payment methods, which are designed to simplify processes. The study underscores the necessity of a comprehensive approach that integrates technology, community engagement, and policy support by examining operational strategies, service initiatives, and financial products that are specifically designed for rural regions. The results indicate that, despite the substantial progress Canara Bank has made in expanding its rural presence, there are still issues that must be addressed to ensure that rural communities have access to financial services, that consumers are aware of them, and that the economy continues to expand.
STOCK PRICE ANALYSIS IN INDIAN BANKING SECTOR AT AXIS CAPITAL
The objective of this study is to evaluate the patterns, volatility, and determinants that influence the stock's performance during the designated period in the Indian banking industry by analyzing the stock price of Axis Capital. Historical market capitalization, trading volumes, and stock prices are predominantly examined using quantitative methods, including financial ratios and statistical tools. In order to ascertain the stock's reaction to market fluctuations and industry performance, analysts evaluate critical performance indicators, including the Price-to-Earnings (P/E) ratio, beta, and moving averages. The study investigates the influence of new regulations, the financial sector, and the general economy on the valuation of Axis Capital's stock. The findings are designed to aid investors, analysts, and stakeholders in the evaluation of risk, decision-making, and investment in the Indian financial sector. The research improves our understanding of the fluctuations in stock values within a financial environment that is swiftly changing.
CONSUMER TRUST IN DIGITAL BANKING PLATFORMS AT KOTAK MAHINDRA BANK
This paper looks into consumer confidence in digital banking systems, with a focus on Kotak Mahindra Bank. It stresses how technological stability, data security, service quality, and user experience affect consumer confidence in digital financial services. The paper underlines the need of sophisticated cybersecurity processes, open communication, effective grievance resolution procedures, and integrated online and mobile banking systems in boosting consumer trust. It also explores how Kotak Mahindra Bank's commitment to rules, continued innovation, and customer-focused digital initiatives has made the bank appear more dependable and less risky. The findings show that ongoing investments in safe digital infrastructure and personalized digital engagement significantly increase confidence levels. As a result, consumer satisfaction, loyalty, and long-term use of digital financial services improve.
COLLABORATION AND TEAMWORK THROUGH HR PRACTICES AT SOUTH INDIAN BANK
In today's competitive banking business, a company's success is determined by its ability to effectively collaborate with others. South Indian Bank's (SIB) HR processes, which are evaluated in this paper, encourage a collaborative atmosphere. To increase departmental coordination and collaboration, the bank employs a number of strategic human resources initiatives, including technology-enabled communication platforms, organized training programs, performance management systems, and employee engagement activities. Competency-based training, leadership development, and team-based incentives that promote information sharing and problem-solving collaboration are all required. The paper also shows how SIB's HR strategies promote diversity, trust, and continual learning, which increases employee loyalty and organizational flexibility. The findings show that South Indian Bank's HR activities are critical in creating a healthy work atmosphere that encourages cooperation, resulting in improved customer service, new ideas, and more delighted clients. The paper contends that South Indian Bank's long-term success is dependent on HR-driven collaboration.
HR METRICS AND STRATEGIC CORPORATE GOALS AT ROYAL ENFIELD
This research looks into the use of Human Resource (HR) measurements as a strategic tool for connecting Royal Enfield's broad company objectives of growth, product excellence, customer experience, and brand leadership to its people practices. The research looks into how data-driven HR decisions can lead to quantifiable improvements in organizational performance by analyzing key metrics like productivity, hiring efficiency, retention and attrition trends, learning and development outcomes, leadership pipeline strength, and employee engagement. It demonstrates how HR analytics can be utilized to support strategic goals such as preserving global market competitiveness, improving dealer network performance, developing novel concepts, and increasing output. It also identifies places that require extra qualitative observations and input. According to the report, when paired with strategy, HR metrics become a strategic tool that helps Royal Enfield with long-term value development, investment, and planning.
HOME LOAN SEGMENT ANALYSIS IN INDIA AT LIC HOUSING FINANCE
This study's investigation of the Indian house loan market focuses on LIC Housing Finance, a well-known housing finance provider. It explores the rising demand for house financing as a result of tax breaks, favorable government policies, more disposable incomes, and fast urbanization. It also looks into issues such as competition from banks and other housing finance companies, strict rules, and shifting interest rates. According to the poll, LIC Housing Finance caters to a varied audience by providing a wide range of services such as creative financing packages, robust distribution networks, and cheap interest rates. The report examines market trends, client preferences, and the company's financial performance to show how LIC Housing Finance has emerged as a reliable player in the Indian house loan industry and how it may continue to grow in a sustainable manner.
EDUCATIONAL LOAN PORTFOLIOS IN MIDDLE-CLASS FAMILIES AT BANK OF INDIA
The purpose of this study is to look into the management of educational loan portfolios by middle-class households that use Bank of India services. It demonstrates the growing importance of these loans in supporting families in affording their education when their income decreases and their expenses rise. This study looks at students' and guardians' financial commitments, the consequences of interest rates, and repayment habits. Furthermore, it studies how student loans affect the availability of higher education in India and other nations. The research looks into the way the Bank of India manages risk while dealing with this demographic. It analyzes how the bank provides low-cost loans to help individuals advance through society. The poll also highlights worries about the need for flexible repayment schedules, late payments, and loan defaults. It emphasizes the value of bank-led efforts and policies that educate borrowers about money.
STRESS MANAGEMENT APPROACHES FOR WORKFORCE RETENTION AT HERO MOTOCORP
Employee stress has become a serious problem in large industrial firms, harming productivity, job happiness, and long-term employee retention. This paper looks at the stress management tactics used by Hero MotoCorp, India's leading two-wheeler manufacturer, and evaluates their effectiveness in improving organizational stability and employee well-being. The report examines major workplace stressors such as production limits, shift patterns, ergonomic issues, and technology improvements using a descriptive research design and secondary data. The paper focuses on Hero MotoCorp's activities, which include employee assistance programs (EAPs), career counseling, wellness sessions, skill enhancement training, safety enhancements, and collaborative work culture practices. The findings show that systematic stress management frameworks can reduce fatigue, enhance motivation, and retain more employees by creating a good and exciting work environment. According to the survey, for the automotive industry to function smoothly and have a devoted workforce, consistent investments in employee well-being, good communication, and employee-involved HR policies are required.
MEASURING PROFITABILITY USING GROSS VS NET MARGINS AT BRITANNIA INDUSTRIES
The profitability of Britannia Industries is examined in this research by comparing the gross and net profit margins of the company over a specific time frame. Before deducting overhead, taxes, and interest, a firm's gross margin provides a sense of its fundamental operational profitability. It reveals how effectively the company manages production and direct expenses. In contrast, net margin provides a comprehensive picture of overall profitability since it accounts for all expenses and obligations. Through a comparison of the two, the research reveals the impact of either revenue optimization or expense control on the bottom line. The correlation between operational efficiency and final profits is demonstrated here. The report provides a transparent look into Britannia Industries' business strategy and financial standing by revealing how the company manages its production costs in relation to its other financial commitments. This approach aids stakeholders in gauging the financial and operational health of the company in the fiercely competitive FMCG industry.
CASH FLOW VOLATILITY AND TREASURY CONTROLS AT ADITYA BIRLA GROUP
This paper looks into the Aditya Birla Group's treasury controls and cash flow volatility. It focuses on the relationship between profitability, liquidity, and financial risk. The analysis shows that there were significant differences between actual cash flows and accounting earnings over the paper period. The Group's operating cash flows were negative, indicating that it struggled to manage its working capital despite its significant revenue. Cash flow volatility is mostly caused by fluctuations in operating operations and reliance on short-term borrowing. The paper concludes that financing operations are becoming increasingly important for maintaining high levels of liquidity. Treasury controls helped manage cash shortages by leveraging cash holdings and borrowing money. Nonetheless, the company faces increased financial risk as a result of excessive leverage and low interest coverage ratios. In the absence of dividend payments, the company's strong policy of keeping earnings to sustain liquidity is clearly visible. Although liquidity indicators are dropping, ratio analysis indicates that assets are being used more efficiently. The article emphasizes the importance of connecting operational cash flow creation and treasury strategy. Improving your ability to forecast, monitor your finances, and manage debt is critical. The findings highlight the importance of comprehensive treasury controls in preventing excessive cash flow volatility.
TEAM PERFORMANCE THROUGH MENTORSHIP AND COACHING AT GLENMARK
The purpose of this research is to look at the impact of coaching and mentoring on the team performance at Glenmark Pharmaceuticals. Effective coaching and mentoring practices are increasingly recognized as important drivers of corporate success because they increase employee engagement, skill development, and collaboration. The research investigates the effects of structured mentorship programs and personalized coaching interventions on team dynamics, productivity, and goal achievement. Performance indicators, feedback methods, and case studies at Glenmark are studied to demonstrate the link between supportive leadership styles and better team outcomes. The findings show that teams who were supported by proactive mentors and instructors had higher levels of motivation, greater problem-solving abilities, and ongoing performance improvements. This research emphasizes the strategic value of tutoring and mentoring as essential tools for developing talent and achieving organizational greatness.
CUSTOMER PERCEPTION ON FOOD ONLINE DELIVERY AT SWIGGY
This study looks into consumers' impressions of online food delivery services, with a specific focus on Swiggy. As demand for convenient meal options grows, it is critical for service providers to understand consumer attitude. The analysis identifies key characteristics that influence consumer happiness, such as service timeliness, food quality, and user experience. According to the research, a considerable proportion of the population perceives Swiggy to be both user-friendly and reliable. Furthermore, the studies show that using cutting-edge technology considerably increases consumer involvement. Finally, this analysis gives significant information that may be used to improve service offerings and suit consumer preferences in the highly competitive meal delivery business. Furthermore, recommendations are made for further research into changing customer behaviors.