Volume 12 | Issue 7 |

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In a developing country like India where majority of the population still live in rural areas andformal credit facilities are limited in most of the rural parts microfinance provides financial services to the poor. Microfinance is regarded as an useful tool for economic development by uplifting the poor section of the society and it is working in this direction.Microfinance as a mechanism for poverty alleviation is well recognized all over the world.If used properly it isan efficient and effective tool. In India still a significant proportion of the population lives under poverty. Somicrofinanceisaperfectmatchforaddressingthisproblem.Microfinanceisbasicallyfinancingforthepoorsothat they can engage themselves in various income generating activities and improve their social and economicstatus.

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Status of SHG-Bank Linkage Programme in India

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The financial services sector in India, comprising banking, insurance, and investment services, plays a pivotal role in the country's economy. In recent years, the industry has faced significant challenges in attracting and retaining top talent, largely due to evolving market dynamics and changing employee expectations. Employer branding has emerged as a critical strategy to address these challenges, helping companies differentiate themselves and build a competitive edge in the talent market. This introduction explores the opportunities, issues, and challenges in employer branding for talent acquisition and retention within multinational corporations (MNCs) operating in India's financial services sector, leveraging the latest industry insights and research findings.

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Financial Services in India: Opportunities, Issues, and Challenges in Employer Branding for Talent Acquisition and Retention - A Comparative Study of Multinational Corporations

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In the competitive landscape of India's financial services sector, the strategic integration of Human Resources (HR) and Marketing functions has become increasingly crucial for organizational success. With the industry experiencing rapid growth and evolving customer expectations, the alignment of these traditionally disparate disciplines is seen as a pivotal approach to enhancing talent acquisition, fostering employee engagement, and bolstering overall organizational performance (Smith & Johnson, 2020; Patel et al., 2021).

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Synergizing HR and Marketing in India's Financial Services: Navigating Opportunities, Overcoming Challenges, and Elevating Performance

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The financial services sector in India has witnessed remarkable growth and transformation over the past decade. This evolution is driven by technological advancements, regulatory reforms, and increasing consumer expectations (Kumar, 2023). Amidst this dynamic environment, the role of internal marketing has emerged as a crucial determinant of organizational success. Internal marketing, which involves treating employees as internal customers and implementing strategies to enhance their satisfaction and engagement, is instrumental in fostering a motivated and productive workforce (Sinha & Verma, 2022).

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The Role of Internal Marketing in Shaping Employee Satisfaction and Customer Experience in India's Financial Sector

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Behavioral finance has garnered significant attention in recent years for its exploration of the psychological factors that influence investment decisions. This study aims to investigate the investment behaviour of Indian securities investors through the lens of behavioural finance. Sewell (2007) defines behavioural finance as the study of how psychology influences the behaviour of financial practitioners and subsequently affects markets (Ogunlusi&Obademi, 2019). The field of behavioural finance illuminates investors' irrationality and biased behaviour, underscoring the importance of comprehending human psychology in financial decision-making (Rushdi, 2019).

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A BEHAVIORAL FINANCE ANALYSIS OF THE INVESTMENT DECISIONS MADE BY INDIAN SECURITIES INVESTORS

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In recent years the increasing importance of the future market in the Indian markets has received considerable attention from researchers, academicians and financial Analysis. the present study is undertaken with an attempt to determine the share price movements and its volatility of the selected ten companies of financial service sector, which is in nifty fifty companies list. In this research, we attempt to study the volatility implications of the introduction of derivatives on the cash market. Through this study, we seek evidence regarding whether the listing of futures and options lead to any significant change in the volatility of the cash market in India. We select a general index called the S&P CNX Nifty Index to which the first derivatives contract was introduced by the NSE in India. The previous study noted the peculiar characteristics of IT stocks and arrived at the conclusion that stock-specific characteristics must be studied for any general conclusion. As a benchmark index, the Nifty Index is expected to show wider, more balanced and more applicable results and thus can be treated as a true replica of the Indian derivatives market. Most of the Indian studies did not consider options contract, but this study examines the introduction of options while also analysing volatility Capital market is a place for buying and selling of long- term financial claims. It is themarket wheretransactions are made in long term securities such as stocks and bonds. The participants of this market includes various financial institutions, mutual funds, agents, brokers, dealers, individual investors andother borrowers andlenders oflong term debt and equity capital. Capital market consists of two majorparts

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A STUDY OF VOLATALITY OF INDIAN STOCK MARKET

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The emergence of money as a medium of exchange pushed the age old barter system aside and became the backbone of all the economic activities in the modern societies offline and online too. Any financial payment is the beginning point of the whole economic growth process in any sector of the economy ex. Agriculture, Industry, Services. The entire economy is knitted through financial services like traditional banking and its modern online payment services like apps, payment gateways etc., for a quick and real time payments to catch up with the dynamic globalization contextand to achieve sustained economic growth.

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LAGGERED MONEY PAYMENTS - STAGGERED ECONOMIC GROWTH

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Mutual fund is a financial instrument that pools money from different investors. The pooled money is then invested in securities like stocks of listed companies, government bonds, corporate bonds, and money market instruments. A mutual fund is a professionally-managed investment scheme, usually run by an asset management company that brings together a group of people and invests their money in stocks, bonds and other securities. Mutual funds are managed by sound financial professionals known as fund managers, who have the expertise in analysing and managing investments. The funds collected from investors in mutual funds are invested by the fund managers in different financial assets such as stocks, bonds, and other assets, as defined by the fund's investment objective. There are multiple ways in which mutual funds can be categorized, for example, the way they are structured, the kind of securities they hold, their investment strategies, etc.

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AN ANALYSIS OF EQUITY MUTUAL FUNDS IN INDIA

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The insurance industry has already invested a lot in improving customer journeys, but there's still more to do as: the insurance customer experience is still far from being as attractive as those in other industries. Today's digital consumers expect personalised and flexible offers at the point of interest. Insurers can be much closer to customers much faster thanks to digital processes that create an end-to-end view and harness automation.

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SUSTAINABILITY OF DIGITAL INSURANCE CHALLENGES AND OPPORTUNITIES

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Andhra Pradesh is the eighth-largest State in the country. With a geographical area of 1,62,970 square km, the state has the second longest coastline in the country, with a length of 974 km. In terms of population, Andhra Pradesh is the tenth largest state in the country, accounting for 4.10% of the country's total population as per the 2011 Census. The decadal growth of the population rose from 18.88% during 1961-71 to 21.13% during 1981-91. Subsequently, a significant decline was observed in the population's growth rate, and the decline is even more prominent at 9.21% during 2001-11, lower than the All-India's growth rate of 17.70 percent. The density of the population for Andhra Pradesh is 304 persons per square kilometer, as against 382 persons per square kilometer at all Indian level in 2011(Socio-Economic Survey, 2021)

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Fiscal Situation in Andhra Pradesh: A Macro View

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