Volume 11 | Issue 4

 Abstract

ABSTRACT: Now-a-days banking sector acts as the backbone of modern business. Development of any country mainly depends upon the banking system. A bank is a financial institution which deals with deposits and advances and other related services and receive money from those who want to save in the form of deposits and it lends more to those who need it. The 1990s saw partial liberalization of the banking industry and the emergence of new private sector banks as well as international banks. Liberalization brought out the best in the industry by inducing competitive spirit among various banks. Since then some of the new private sector banks have grown a lot and are challenging even the existing by public sector banks. The present paper is an attempt to evaluate the growth and performance of selected three newly private banks in India. For the purpose of the study, secondary data from the annual reports of the banks under study for the period of ten years i.e. 2010-11 to 2019-20. Various financial ratios are selected for the present study and some statistical tools used i.e. mean, standard deviation, coefficient of variance etc. The study is set out to apply growth rate of evaluate performance of selected banks through different variables like deposits, advances, total income, total expenditure, net profit and check the efficiency of the banks through different ratio. The study revealed that the financial performance of the HDFC Bank is continuously in good condition due to leading bank in the terms of deposits, advances, total income, total expenditure, followed by ICICI Bank and Axis Bank. ICICI Bank stood first in advance return on advances and had lowest cost of deposits and lowest net non-performing assets to net advances followed by Axis Bank and ICICI Bank. In order to improve the profit, the bank should control the non performing assets.

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KEYWORDS: Private sector Banks, Financial Performance, Profitability, NPAs

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Skin conditions like eczema are frequently treated using a variety of medicinal plants. In many parts of the world, traditional herbal treatment is used extensively. Most people believe that herbal therapies work well and rarely have adverse effects. There is currently a lack of controlled clinical trials in humans for herbal medications. Clinical study on herbs hopefully opens up new treatment options. The term "eczema" refers to a group of medical diseases that irritate or inflame the skin. Due to numerous issues with the traditional treatment of steroidal molecules, a transdermal drug delivery system for steroidal drug molecules through the development of a niosomal gel is required for an improved drug delivery system. The aim and objective of the study was to develop herbal drug loaded niosomes as topical gel by using thin film hydration technique using Span series 20, 60, 80 and cholesterol has been successfully revealed. Niosomes addressed the problems of drug insolubility, instability, low bioavailability, and rapid degradation. This study provides an overview of niosomes preparation techniques and their uses in the pharmaceutical industry.

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Eczema, Herbal Extract, Niosomal Gel, Thin Film Hydration Technique.

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The main objective of the present work is using non-wood fibre material collected from religious waste for the production of eco-friendly handmade pulp and paper. Pulps are prepared from Cynodon dactylon grass, the grass mainly used in a Ganesh puja as a Durva. The Religious waste is a useful source of production of eco-friendly paper. Preparation of eco-friendly paper requires less time, less energy and low cost. The handmade grass paper can be a good alternative for wood fibre paper production industries

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Cynodon dactylon grass, Non-wood fibre, Eco friendly Paper

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The coronavirus pandemic has caused unprecedented damage and disruption across the globe. From developed to developing, no country could escape from its attack.In this research paper, we have analyzed the effects of Covid-19 on India's economy and society so far.Based on the available literature, all three sectors - primary, secondary and service sector as well as migrants, health, poverty, job losses, informal sector Disproportionate damage has been done internally as well.The social impact is also severe with job loss, mental illness, increase in domestic violence etc

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Covid-19, Indian Economy, Unemployment, Problems, Damages, NPA, Income inequality,

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As all of us know that agriculture play a critical role for growing agricultural society or united states. From the past century agriculture has been the primary profession of man however due to herbal aspect of climatic circumstance farmers are facing lots of problems which may additionally cause address critical problems in their existence so this paper gives the monitoring and control machine for greenhouse via the IoT module. Greenhouse is the technical method in which farmers in the rural regions can be benefitted via automatic tracking and manage of greenhouse surroundings replace the direct supervisions of the human. The paper makes a speciality of the primary idea universal structure which may be implemented for many other automation applications. The splendid needs are developing of plants with development of generation. IoT is a brand new developing generation. In this generation, more than one peripheral devices and sensors are connected and these devices and sensors can acquire and percentage the facts that's amassed by way of diverse of the sensor from one-of-a-kind environmental parameters. The parameter inclusive of temperature sensor, Level sensor, humidity sensor and soil moisture sensor. To get the most plant boom, it required that everyone the parameters which includes temperature, soil moisture, humidity and stage must be monitor occasionally and it should be controlled mechanically so the environment internal a greenhouse will be proper for the growth. In case soil moisture cost is odd then mechanically turn on the pump with assist of driving force and relay circuit. All environmental parameters are sent to the person through IoT conversation. Through IoT we can ship and tracking the existing records of all sensors to the consumer thru the mobile app/internet page. This hassle can be rectified, when we are able to Monitoring, and Controlling System using the micro controller Platform wherein the monitoring and controlling will be automatic

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Micro controller Platform, sensors and crop production

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Traffic in our U. S. Is growing every day. Many humans aren't giving an excellent response for the site visitors policies in lots of locations. Mainly injuries happen due to over speed and careless riding. Especially, inside the school and the college region, human beings are hesitating for reducing the speed to its restrict. This is embedded task to indicate the over speed and to manipulate the automobile inside the over pace condition. This is constructed with the wireless communique. Given underneath is the block diagram of the mission. We are the usage of PIC16F877A that is Programmable IC microcontroller. To take a look at the tyre temperature, we have interfaced temperature sensor suggest the incidence of high temperature and alert the car driver via alarm. The coincidence records system will alert automobile owner relative or close by hospital thru IoT with the twist of fate vicinity the use of GPS. If the coincidence is a minor one, then driving force can press the reset transfer and pressure commonly. Brake failure sensor, will indicate if the brake twine is hooked up nicely or no longer, else alert the motive force. Accelerator, brake snatch and position sensor suggest the position of accelerator, brake seize respectively. We can reveal and manage all with the help of IoT module.

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IoT Module, GPS and Brake system

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Our research focuses on molten salts and their potential as a heat transfer fluid. Molten salts have been used in high temperature applications such as coal gasification medium, waste oxidation at high temperatures, thermal energy storage medium, and heat transfer fluid (HTF) in Concentrating Solar Power (CSP) systems. They are particularly useful as a heat transfer fluid in a CSP due to their main characteristics such as low vapour pressure, wide operating range, low viscosity, and high volumetric heat capacity. Molten salts are compared to conventionally used HTFs, as well as other low temperature fluids such as water and experimental fluids such as liquid metals and their eutectic mixtures. The molten salts chosen for this report are primarily binary, ternary, or quaternary mixtures containing alkali and alkaline earth metal nitrates such as sodium, potassium, lithium, caesium, calcium nitrate, and sodium nitrite. The thermophysical properties of the salts were compared. These are melting point, density, viscosity, heat capacity, and thermal conductivity. The effect of using molten salts as a heat transfer fluid on plant performance and economics has also been discussed. The fluids under consideration have great potential for current and future applications in renewable energy storage and transformation processes.

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Concentrating Solar power, Heat transfer fluid, molten salts, Thermophysical properties, viscosity, density, composition, solar, etc..

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Presented research paper study of effect of councilor culture on social behavior of college teachers and teachers of Jabalpur district Study of impact of post-culture on awareness, 15 teachers and teachers of college of Jabalpur district were taken in total 30 teachers teachers A questionnaire was prepared for the study of the impact of western culture on the social behavior of the college teachers of Jabalpur selected by recall method and the statistical analysis of the obtained data was determined through the means of standard distribution and critical ratio. There is no significant difference in the influence of social and culture of college teachers and teachers of Jabalpur...

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500

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Cancer is the foremost cause of death around the globe, almost 10 million deaths in 2020, or appropriately one in six demises. Besides Almost on third of deaths from cancer are due to tobacco use, high body mass index, alcohol consumption, lack of physical activity. Almost all types of cancers can be cured effectively by detecting in cradle stage. Moreover, In Recent days there are huge number of detection techniques are there in the medical field like computed tomography (CT), magnetic resonance imaging (MRI) etc. Nevertheless, advancement in the Raman spectroscopic techniques is also playing a pivotal role in the monitoring and diagnostic purpose. Fundamentally this Raman spectroscopic techniques are showing other auspicious advantages in other backgrounds like polymorphic screening and molecular signature along with the pharmaceutical product's compositional analysis also when compare to all other equipment's. Notably this Raman spectroscopic techniques are very much helpful in the predominant issues like cancer which is world renowned disease.

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Cancer, glioblastoma multiforme (GBM), Raman spectroscopic techniques, SORS, SERS, SOSERS, CLS, MRI, PET, CT, monitoring, detection, Nano particles,

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Drink and drive detection is in interest since it has potential to save accidents whose main cause is over drinking of alcohol. Much research is currently being undertaken to develop detection technique of alcohol limit which cause unconsciousness and the human will not in able to work, walk and understand things properly. The research is primarily achieved by utilizing the significant of electronics and automobile parts, components and concept. A variety of devices exists including: different MQ series sensors, face expression reading devices etc. Among these, the MQ-3 Sensor has shown potential within the field of Electronics, Which detect the concentration of alcohol in human beings. Aspects related to the long term environmental impact of drink and drive detection technology are taken carefully and are considered carefully. This study is aimed to promoting the understanding and commercial investigation of the detection technique effect in the field of safety precautions. This paper presents a device and system commonly known as alcohol sensor device which is used to detect the concentration of alcohol in human. This device detect the alcohol level concentration and if the alcohol concentration is above specific concentration level then the ignition system of automobile is stopped i.e. the automobile will not start.by the use of above device we can save the accidents which cause due to the drink and drive. As we know drunk driving is a very dangerous behavior. People will become slow In reacting and can't control their actions. Drunk drivers aren't able to deal with the emergency situations when they are driving. The investigation done by the World Health Organization in 2008 shows that about 50%-60% of traffic accidents are related to drunk driving. The drunk drving has been listed as the main for the fatal car accident.

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Alcohol Detector, Alcohol Sensor; LCD: MQ3

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The main objective of this research is to find out the impact of Artificial Intelligence (AI) on the performance appraisal and how the artificial intelligence is modified day by day. Based on some studies the research focuses on the detailed study of artificial intelligence as well as the history of artificial intelligence and the role of artificial intelligence. With the help of this study we found that artificial intelligence helps organizations to conduct intelligent surveys and gather feedback in real time. The study finds that artificial intelligence has both positive and negative impact on organization and we found that 91.5% of leading businesses invest in AI on a regular basis as well as customer satisfaction also grow by 25% by 2023 in the organization which uses artificial intelligence (according to tech jury article). In this article we also know about the impact of covid 19 on performance appraisal in any organization and the use of artificial intelligence to improve performance appraisal during pandemic. We come up with suggestions and recommendations to increase investment in artificial intelligence in organizations.

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Artificial Intelligence, Performance appraisal, Feedback, Customer satisfaction, Technology adoption.

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Urban areas exposed to pollution require tolerant plant species to thrive there and give natural benefits. The present study is an attempt to document the Air Pollution Tolerance Index (APTI) of selected trees from Vimala College Campus, to analyze their air pollution tolerance capacity. The assessment of the Ascorbic Acid, pH, Relative Water Content and Total Chlorophyll Content of the leaves of the selected tree species was done to determine the APTI. The APTI of the plant ranged from 7.445 to 9.711 with Bambusa vulgaris having the highest value which indicates it's high tolerance of air pollutants from the assessment and Acacia sinuata with the lowest value and least tolerant. The study also put forward the suggestion model for urban areas and urban campuses.

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APTI, pH, Ascorbic acid, Relative water content, Total chlorophyll, Tolerant trees

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: Isolation Methods for Flavonoids, Phytochemical Investigation, TLC, HPLC, UV, FTIR etc.

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In this text, we proposed a crowd-sensing concept to assemble the use of surroundings in order that the reason pressure must have a better know-how of his or her environment on the roadway. We assume that smart vehicles will embed a sensing tool. We count on that smart motors will embed a sensing gadget that consists of an accelerometer sensor, PIC 16F877A, switches, and an RFID reader. The customer scans their RFID card with the assist of an RFID reader, after which it suggests their respective Aadhar gambling playing cards. The key or transfer is used to start the automobile, and switches are pressed with the resource of the individual. The accelerometer sensor detects whether or no longer or no longer or not the character is following the suggestions (8 commands) efficiently. If the character eliminated their leg from the pedal or did not have a look at the hints of RTO, the purchaser may moreover furthermore mark this as rejected via way of manner of the tool. Our device shows the consumer's repute inside the route of license checking out on the LCD display, and a buzzer signs, and it is also up to date to the cloud with their respective Aadhar numbers the usage of an IoT module and RFID tag.

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Accelerometer sensor, Automated License and use of licenses.

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Speech and text is the primary medium for human communication. A character wishes vision to get admission to the information in a textual content. However, the ones who've terrible imaginative and prescient can accumulate statistics from voice. This challenge has been built through the usage of Node MCU microcontroller. It is controlling the peripherals like Camera and headset which act as an interface among the device and the person. Optical Character Recognitions (OCR) is carried out on this task to recognize characters which might be then read out through the device through a headset. The camera is set up on spectacles/head tool; it captures a full view of the paper into the device. Its miles ensured that there are correct lights conditions. The content on the paper ought to be written in English and be of accurate font size. When some of these conditions are met the gadget takes the picture, techniques it and if it acknowledges the content material written on the paper it will announce at the Bluetooth headset speaker that the content material at the paper has been correctly processed. After this it speaks out the content that was transformed in to textual content format inside the machine from processing the photograph of the paper. In this proposed device, PC Based Reader for Blind allows a blind man or woman to examine a paper without the assist of any human reader. It additionally achieves sound chew hearing machine for both blind and deaf peoples, we will pay attention the usage of vibrator while we bite it. It makes use of the Optical person recognition era for the identity of the broadcast characters the use of picture sensing devices and computer programming. It converts photos of typed or revealed textual content into system encoded textual content. In this studies these photos are converted into the audio output (Speech) via using OCR and Text-to-speech synthesis. The conversion of printed record into text files is performed the use of PC which again makes use of PyTesseract library and Python programming. The textual content documents are processed & convert into the audio output (Speech) the usage of GOOGLE Text-to-speech (gTTS) & python programming language and audio output is achieved. For visually and listening to impaired man or woman, they are able to hear sound by way of using soundbite hearing device the usage of vibrator.

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Node MCU, Hearing System and blind.

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A major global health issue with a high morbidity and mortality rate, chronic kidney disease (CKD) also causes other diseases. Patients frequently overlook the disease in the early stages of CKD since there are no evident symptoms. Early diagnosis of CKD enables patients to receive effective treatment in time to slow the disease's progression. Due of their rapid and precise recognition performance, machine learning models can help physicians attain this goal in an efficient manner. In this paper, we suggest a machine learning approach for CKD diagnosis. The Irvine(UCI) machine learning repository provided the CKD data set, which contains a significant amount of missing values.. Although patients may overlook particular measurements for a variety of reasons, missing data are frequently observed in real-world medical settings. Six machine learning algorithms (logistic regression, random forest, support vector machine, k-nearest neighbour naive bayes classifier, and feed forward neural network) were used to create models after the incomplete data set was successfully filled in. Of these machine learning models, random forest had the highest accuracy. We created an integrated model that combines logistic regression and random forest by employing perceptron, which has the best accuracy; as a result, we hypothesised that this methodology may be used to more complex clinical data for disease diagnosis.

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Logistic Regression, Random Forest Classifier, Decision Tree Classifier, Chronic Kidney Disease.

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Human lungs use the reverse pressure generated by means of contraction motion of the diaphragm to suck in air for breathing. A contradictory motion is used by a ventilator to inflate the lungs by way of pumping type movement. A ventilator mechanism has to be able to supply inside the variety of 10 - 30 breaths consistent with minute, with the ability to adjust growing increments in units of 2. Along with this the ventilator need to have the capacity to regulate the air volume driven into lungs in each breath. The final however now the least is the placing to alter the time period for inhalation to exhalation ratio. Apart from this the ventilator need to be capable of display the patient's blood oxygen stage and exhaled lung stress to avoid over/beneath air pressure concurrently. The ventilator we here layout and increase using arduino encompasses most of these necessities to increase a dependable but low-priced ventilator to help in times of pandemic. We here use a silicon ventilator bag coupled pushed by servo motor with one side push mechanism to push the ventilator bag. Our machine uses blood oxygen sensor along side touchy heart Beat sensor to display the important vitals of the patient and show on a webpage the usage of IoT. To alter the time duration for inhalation the choice command given in the IoT application to set. The complete machine is driven by way of arduino controller to gain desired results and to assist patients in COVID pandemic and other emergency situations.

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Lungs, COVID pandemic and ventilator mechanism.

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Agriculture serves as the primary and most essential source of food products worldwide, while also being the backbone of a country's economic system. It not only provides food but also furnishes raw materials for various industries such as Textiles, Jute, Oil, Tobacco, etc. However, as the world population continues to grow, ensuring food security by supplying diverse varieties of food products has become increasingly crucial. In this regard, Smart Farming emerges as a promising concept that employs modern information and communication technologies to enhance the quantity and quality of agricultural products. Smart Agriculture incorporates the application of Internet of Things (IoT) technology, such as sensors, autonomous vehicles, hardware, and control systems like robots, to enhance livestock and farm monitoring. In this paper, we review various approaches to IoT-based Smart Farming to identify new opportunities for future research.

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Agriculture, Food Security, IoT, Smart Farming.

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Coma is a nation of unconsciousness where the patient fails to respond. These sufferers need utmost care and 24*7 observations. We introduce a gadget which have non-stop monitoring and recording of patient facts without human intervention. If there are any unexpected changes arise within the everyday range of body parameters such as body temp falls or upward push, coronary heart beat boom or lower, monitors blink motion of eye continuously the use of eye blink sensor. Then it has facility to mechanically alert the clinical character, if there exist any variations inside the above parameter. As comatose losses their sensation for urination, clinical character wishes to constantly screen urine output, as a consequence we are using urine level sensor to test the urine stage. Medical character can preserve the tune of patient the usage of login to the IOT cayenne app inside the machine.

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Medical person, Coma Patients and cayenne app

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Vatarakta is a variety of Vataroga , as the name suggests it occurs due to the vitiation of Vata Dosha and Rakta Dhatu . It is an illness where both Vata and Rakta are afflicted by distinct etiological factors.1 In this condition the normal flow of Vata is obstructed by Rakta leading to symptoms starting from Paada (foot) and Hasta (hands) mula . Panchakarma is a unique module of management which can eliminate the causative pathogen from the system for complete eradication of disease process. Various Panchakarma procedures and Ayurvedic drugs have been proved useful for this disease. Basti is one of them, which is also called as Ardha chikitsa by Acharya Charaka. Here is a case of Vatarakta, which was treated with a combination of Ksheera Basti and Shamana chikitsa. The condition was treated with 8 days schedule of Yashtyahvadi Niruha Basti along with Sarvanga abhyanga and Nadi sweda. Patient's condition was assessed for symptoms of Vatarakta and marked improvement in signs and symptoms were seen. After observation and discussion we concluded that Yashtyahvadi Niruha Basti is effective in management of Vatarakta.

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Yashtyahvadi Niruha Basti , Vatarakta .

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