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  • Podar Skills | Podar Eduspace

    PODAR SKILLS PROGRAMME Develop 13 key skills, and 12 Harvard certificates to boost your profile and rêsumé for the next step in your career. Programme Fee: Rs. 25,000/- Apply Now Home About Us Podar Eduspace Our People Our Board of Advisors Podar Enterprise Anandilal Podar Trust Online Programmes Podar Skills WorkEx Bootcamp EduSpace Internships EduREPORTS Skilling Initiatives Skill Centre Skill Development Knowledge Ecosystem EduSPACE: The Blog Podar Conversations Contact Us 13 CERTIFICATES ​ 14 SKILLS ADDED 2.5 HOURS per week 30 hours Self-paced, asynchronous 12 Harvard Business Publishing PLUS 1 PodarPRO certificate 3 months access Interactive platform Résumé boost Rolling admissions PROGRAMME STRUCTURE Develop 13 k ey skills, and 12 Har vard certificates to b oost your profile and rêsumé for the next step in your career. Download Brochure Hard Skills 4 certificates Industry skills relevant to any field or career. Understand the world and level up your knowledge.​ 8 hours | Online, Self-paced ​ Customer Focus Marketing Essentials Finance Essentials Strategy Planning Soft Skills 4 certificates Interact purposefully, lead meaningfully, communicate effectively. ​ 8 hours | Online, Self-paced ​ Persuading Others Leading People Presentation Skills Career Management Digital Skills 4 certificates Harness the constant in the change. Innovate and create your impact in the digital world. ​ 8 hours | Online, Self-paced ​ Digital Intelligence Decision Making Innovation & Creativity Change Management PodarPRO 1 certificate Essential skills to boost your résumé interview skills. Curated by professionals with 20+ years experience across industries. Practical, effective, easy to apply. ​ 2 hours | Online, Self-paced ​ Résumé Builder Interview Skills WHO IS IT FOR? Students College Students Working Professionals School Students Everything you need to know before university. From presentation skills to essential business skills. Learn how to unlock your creativity and digital intelligence – while boosting your profile! WHY PODAR SKILLS? ✓ Skills-based learning ​ ✓ Hard, soft, digital skills ✓ Holistic curriculum ✓ One-on-one mentoring ​ ✓ Applicable to all fields ✓ Guaranteed résumé boost Apply Now Application Form LET'S DISCUSS Book a session w ith our mentors to learn more and ask a ny questions you may have. Book a Consultation 15 min Request to Book GET IN TOUCH Email Call Mail Instagram APPLY NOW Name Email Phone (WhatsApp) Age City/Locality Organisation/School/College Name Name of Referrer (If Applicable) Enroll Now Thank you for registering, someone from the team will reach out to help you process the payment. Am I eligible for this course? All students and young professionals above the age of 15 and who command a level of fluency in English are eligible. What does the application process consist of? All applicants should fill out the form above and our team will reach out shortly with a short call. If all goes smoothly, you will be invited to join the cohort! How does this program benefit me as a student? This course provides a strong foundation of hard, soft, and digital skills from highly-trained professionals at Harvard Business Publishing and Podar Enterprises. It demystifies business skills and prepares you for the world ahead. It definitely is the perfect profile building opportunity for your college or university applications. Harvard Business Publishing is a recognised awarding body and will help you gain practical skills – especially presentation skills. How does this program benefit me as a professional? The course supports up-skilling of professionals as well as provides professionals with access to industry leaders, in-demand skills and important concepts such as AI, innovation etc. How does this program boost employability? Aside from the skills and resume support, participants get access to an optional virtual research internship experience with partner companies within the fields of finance, consulting, NGOs. How long does the course run for? Podar Skills The programme takes 30 hours to complete which can be taken as 2 hours per day for 2 weeks. Students have flexibility to do it at their own pace and they have 3 months to complete all the courses from Harvard Business Publishing, and they can complete the PodarPRO module at their convenience. Work Ex Bootcamp Our program runs for approximately 6 weeks with dates depending on the courses selected. The Startup Design 101 Workshop runs from 11-1:30pm IST for two days over one weekend, The MetCrynN Workshop runs from 11-1:30pm IST for two days over one weekend and the HBS Online courses are to be done in your own time. What happens if I miss a session? All sessions will be recorded and all materials & recordings will be shared with course participants for their review. It is encouraged that students attend all courses.

  • International Banking by Tarun Natarajan

    < Back International Banking by Tarun Natarajan International banking is a complicated system that comprises of multiple structural subgroups, each of which performs a specific role. This study will be on the unique characteristics of international banks and the wide range of duties they perform. INTRODUCTION In general, the world banking system is separated into two categories: domestic and international banks. International banking is a complicated system that comprises of multiple structural subgroups, each of which performs a specific role. The focus of this study will be on the unique characteristics of international banks and the wide range of duties they perform. To begin, the foreign banking system will now be contrasted to the domestic banking system in order to identify the major contrasts. In addition, the organisation of global financial markets, as well as the spectrum of instruments traded there, will be explored. Furthermore, the many types of exchange rate exposure that multinational firms confront will be examined in order to recognize and quantify the risks involved. CONTRASTS BETWEEN INTERNATIONAL AND DOMESTIC BANKS The main contrasts between international and domestic banks must be identified. They set themselves out from the competition in terms of customer service. To begin with, "international banks organise trade finance for their customers to permit imports and exports," but "local banks provide just for cross-border business." Second, international banks provide for foreign exchange, which is necessary for cross-border transactions and investments, but domestic banks do not offer this service. Another distinction is the types of deposits that banks accept, as well as the loans and assets that they make. While domestic banks conduct business in the local currency, the bulk of international banking institutions borrow money and lend money in the Eurocurrency market, which comprises of deposits held in banks located outside of the countries that issue the currency in which the deposits is held. Internal banks are also governed by laws of the state in that they are located, but global banks are governed by the laws of both their home country and the countries where their branches are located. UNITED STATES' USE OF INTERNATIONAL BANKS The grounds on which the USA uses international banks can easily be defined based on the aforementioned disparities. For starters, foreign banks facilitate global transactions and investments, which is critical for the majority of businesspeople. Second, people traveling to foreign countries frequently use the branches of multinational banks. Another important issue would be that the international banking program enables the United States government to invest in the world market and grow as a country. Furthermore, international banks meet the needs of multinational organisations by lending big sums of money while posing fewer risks. INTERNATIONAL FINANCIAL SYSTEM STRUCTURE As previously stated, the international financial system's structure is extremely complicated, as evidenced by the many different types of international markets. They include the previously mentioned Eurocurrency market (mainly Eurodollars), this same international bond market (which includes foreign securities, Eurobonds, global bonds, equity-related, and dual currency international bonds), and the international stock markets. The Eurocurrency market operates on an interbank level, and so it runs concurrently with the financial institutions of the countries that formed the currency. The foreign bond market offers bonds to foreign investors, with the primary distinction being the currency with which they have been denominated. The instruments are typically portrayed as debt or equity, with the other reflecting a share of the responsibility or ownership. International banks as well as international financing syndicates offer enormous sums of money to multinational firms, as previously stated. These funds are used for their own economic and social development, project funding, and investment. However, the foreign exchange process is frequently vulnerable to a number of negative impacts that might result in a variety of negative outcomes, including default. To put it another way, international exchange exposure occurs when the value of a company's future cash flows is determined by the value of foreign currencies. Multinational firms' performance is heavily reliant on transactions and investments conducted outside of the native financial system due to their nature. Multinational firms are exposed to several hazards due to the fluctuation of exchange rates. There are several ways for evaluating those odds, the most famous of which is the Moody's creditworthiness rating model. This concept allows multinational firms and international lending syndicates to foresee possible negative outcomes and avoid losses. CONCLUSION This paper provides a basic overview of the international financial system. First, the contrasts between domestic and international banks were examined, and the United States' the use of international banks was outlined based on the findings. The architecture of the world economy was also taken into account in order to represent the complex nature of its parts in a concise manner. It is also clear that the international financial network is influenced by a wide range of factors. Those elements, which indicate difficulties relating to foreign exchange exposure, were also described. Finally, it is critical to note that international banking is amongst the most often used economic vehicles. Previous Next

  • About Us | Podar Eduspace

    Here to educate India. Podar Eduspace Our mission We aspire to reduce unemployment by creating a knowledge ecosystem where students and young professionals can upskill to stay relevant in this dynamically changing job landscape. Podar Enterprise Podar Enterprise has relentlessly pursued its vision to make a difference by contributing to India’s interest at home and abroad. Established in 1909, the group today represents a 100-year legacy of trust, quality and reliability - in India and internationally. Read more Anandilal Podar Trust To contribute to education in a young India, great visionaries and philanthropists: Pandit Madan Mohan Malviyaji, Shri Jamnalal Bajaj and Shri Anandilal Podar came together to establish the Anandilal Podar Trust in 1921. It is of utmost pride to us that Mahatma Gandhiji himself was the Chairman Trustee. Read more Podar Eduspace Podar Eduspace is the educational pillar of Podar Enterprise focusing on student programs ranging from research, volunteering, skill development & advisory to educational institutes. Read more Our People Meet the people who made all of this possible. Read more Meet our Board of Advisors Our Board Meet our Board of Advisors. Read more

  • Emerging Technology Trends in Finance by Rian Sanghavi

    < Back Emerging Technology Trends in Finance by Rian Sanghavi This research paper explores the profound impact of emerging technology trends on the finance industry in the 21st century. It delves into key technological advancements such as big data, blockchain, machine learning (ML), and artificial intelligence (AI), examining their applications in finance and accounting. The paper investigates how these technologies are reshaping traditional methods in financial management and accounting, emphasizing the advantages and potential challenges. In conclusion, a comprehensive summary and analysis present a nuanced perspective on whether these new tech trends benefit the industry or require careful consideration. 1. Introduction In the 21st century, the financial industry has witnessed a transformative wave of emerging technologies. This paper aims to investigate and analyze the impact of these technologies, providing a comprehensive understanding of their applications in finance and accounting. The focus areas include big data, blockchain, machine learning, and artificial intelligence, exploring their evolution, adoption, and implications for the financial sector. 2. 21st-century Relevant Tech Trends Big Data: The advent of the digital age has led to an unprecedented generation of data. Big data, characterized by vast volumes of structured and unstructured information, has become a game-changer in various industries. In finance, big data analytics plays a crucial role in risk management, enabling real-time analysis of market data. It facilitates improved operational efficiency, personalized customer experiences, and strategic planning. The sources of big data are diverse, ranging from transaction processing systems to social networks, and its applications extend beyond finance to sectors like healthcare, manufacturing, and transportation. Blockchain: Blockchain, a decentralized and distributed ledger technology, ensures transparency, security, and immutability in digital transactions. While initially associated with cryptocurrencies, blockchain has transcended its origins. It finds applications in supply chain management, where it enhances traceability and reduces fraud. In healthcare, blockchain enables secure and interoperable sharing of patient data. Intellectual property protection, provenance tracking, and smart contracts are additional areas where blockchain is making a significant impact. Machine Learning (ML) and Artificial Intelligence (AI): Machine learning, a subset of artificial intelligence, focuses on training computer systems to learn and improve from data without explicit programming. ML algorithms analyze large datasets, identifying patterns and making predictions based on learned behaviors. The applications of ML are diverse, ranging from recommendation systems and fraud detection to natural language processing and autonomous vehicles. Artificial intelligence, encompassing a broader range of technologies like natural language processing and computer vision, has left an indelible mark on various industries, including healthcare, finance, manufacturing, customer service, and transportation. These technologies continue to evolve, contributing to the digital transformation of businesses and society at large. 3. Application in Finance Traditional Approach to Financial Management: The traditional approach to financial management, which emerged in the 1920s, was rooted in the objective of earning more funds to foster business growth. This approach, often synonymous with corporate finance, prioritized maintaining accounting and legal relationships, sourcing funds from diverse channels, and addressing episodic rather than day-to-day financial challenges. Cash management was a critical component of this traditional method, ensuring the company's ability to meet daily obligations. Advantages of Tech in Finance: The evolution of financial management approaches, globalization of commerce, and increased reliance on information technology have given rise to modern finance. Fintech, a portmanteau of financial technology, encompasses a spectrum of technologies aimed at improving and automating the delivery of financial services. The integration of technology into financial services has witnessed significant acceleration, particularly driven by factors like the COVID-19 pandemic, which expedited the shift to online financial transactions. One notable aspect of this technological evolution is the accessibility of the stock market. Companies like Robinhood have democratized stock trading, offering commission-free trades through mobile apps. While this accessibility has increased market participation, it has also raised debates about potential trading frenzies and the need for scrutiny to ensure balanced markets. Cryptocurrencies, with Bitcoin as a prime example, have continued their volatile journey. The digital currency has not only attracted investors but has also permeated popular culture, capturing the interest of high school students worldwide. The pandemic has accelerated the adoption of online financial transactions, pushing the boundaries of online banking, payment systems, and other digital financial services. The tech trends influencing the financial future include increased accessibility to stock markets, the rise of fintech companies, and the continued volatility of cryptocurrencies. In the realm of financial services, the adoption of software solutions has become widespread. Financial technology (FinTech) firms leverage these solutions to enhance efficiency, speed, and customer experience. The success stories of companies like Ant Financial in China underscore the pivotal role of technology in reshaping the financial landscape. Benefits of technology in financial services are multifaceted: Coverage: Mobile connectivity technology has expanded the reach of open banking services. Unlike the traditional banking system limited to big cities and towns, signing up for financial services today is as easy as a few clicks on smartphones or tablets. The geographical barriers have been broken down by technology, enabling broader coverage. Convenience: Technology brings unparalleled convenience to users. Almost everything, from signing up for services to making inquiries, payments, accessing loans, and transferring funds, can be done through mobile banking technology. User-friendly mobile applications, exemplified by companies like Square Inc, eliminate the need for physical visits to banking premises. Speed: Financial technology solutions operate swiftly. Transactions are completed in seconds, a crucial aspect in today's fast-paced world. This stands in contrast to the days it used to take for traditional banking systems to process transactions. The speed of financial technology is a vital asset, especially in a world where time is of the essence. Safety: Addressing safety and security concerns in the financial services sector, technology has developed fraud and breach detection methodologies. The risk inherent in the traditional banking system has prompted the implementation of robust security measures in the digital realm, ensuring the safety of funds and private data. Customer Experience: Overall, financial technologies have significantly enhanced the customer experience. Smart contracts, mobile payment systems like Venmo, credit card platforms such as PayPal, and chatbots have made clients' lives more straightforward. Artificial intelligence technologies, driven by big data, enable personalized experiences. Reduction in human error and the ability to handle most queries online contribute to an improved overall customer experience. The transformation brought about by technology is evident in the financial services sector. The integration of artificial intelligence, machine learning, and data analytics has revolutionized the industry, making financial services more accessible, convenient, and secure. 4. Application in Accounting Traditional Accounting Methods: Traditional accounting, often referred to as "accrual basis" accounting, calculates profits based on when invoices are sent or received, irrespective of the actual flow of money. The approach involves meticulous record-keeping, including business assets, stock valuation, and other financial transactions. Tech Advancements in Accounting: The accounting industry has undergone a significant transformation in the last few decades, primarily fueled by the introduction of computer-based accounting software. These tools automated the record-keeping process, eliminating the need for manual ledger systems. The 1990s saw the rise of desktop accounting software, which offered increased accuracy, reliability, and efficiency in managing financial data. The subsequent shift to web-based and cloud-based accounting solutions marked another leap in the evolution of accounting technology. Cloud-based platforms provide users with real-time access to financial data, enabling collaboration among team members, accountants, and clients. This shift to the cloud has been instrumental in breaking down geographical barriers and facilitating seamless communication in a globalized business landscape. Robotic Process Automation (RPA) has emerged as a powerful tool in automating repetitive and rule-based tasks in accounting. RPA technology employs software robots to perform routine tasks such as data entry, invoice processing, and reconciliation. This automation not only improves accuracy and efficiency but also allows human accountants to focus on more complex and value-added activities. Artificial Intelligence (AI) and Machine Learning (ML) are at the forefront of the latest advancements in accounting technology. AI-driven systems can analyze large datasets to identify patterns, anomalies, and trends. In accounting, this capability is harnessed for fraud detection, risk management, and predictive analytics. Machine learning algorithms continuously learn from data, enabling them to enhance their accuracy and predictive capabilities over time. The integration of AI and ML in accounting software also brings sophisticated data analysis capabilities to the forefront. These technologies can sift through vast amounts of financial data, providing valuable insights for strategic decision-making. For example, AI-powered analytics tools can analyze customer behavior, predict market trends, and offer recommendations for optimizing financial performance. 5. Accounting Trends to Watch in 2023 Automation and AI Integration: The trend of automation and AI integration in accounting is expected to continue gaining momentum in 2023. As technology advances, routine and time-consuming tasks will be increasingly automated, allowing accountants to focus on higher-value activities that require critical thinking, analysis, and strategic planning. This shift is poised to enhance the overall efficiency of accounting processes, reducing the risk of errors and improving decision-making. Cloud-Based Accounting: The popularity of cloud-based accounting solutions is projected to persist and grow in 2023. Cloud technology offers several advantages, including real-time access to financial data, collaboration among multiple users, and enhanced security measures. The flexibility and scalability of cloud-based accounting make it an attractive choice for businesses of all sizes, allowing them to adapt to changing business environments and regulatory requirements seamlessly. Focus on Sustainability and ESG: Environmental, Social, and Governance (ESG) considerations have become increasingly important in various industries, and accounting is no exception. In 2023, there is a growing emphasis on integrating sustainability and ESG factors into accounting practices. This involves not only reporting on financial performance but also assessing and disclosing the environmental and social impact of business activities. Accountants are expected to play a key role in developing frameworks for measuring and reporting on sustainability metrics. Advisory Services: The evolution of technology in accounting is reshaping the roles of accountants. With routine tasks becoming more automated, accountants are expected to shift towards providing advisory services. In 2023, the focus on advisory services is likely to intensify, emphasizing the importance of financial planning, risk management, and strategic advice. Accountants will be positioned as strategic partners, leveraging their expertise to guide businesses through complex financial decisions. 6. Conclusion In conclusion, the technological landscape has significantly transformed the finance and accounting sectors in the 21st century. The exploration of big data, blockchain, machine learning, and artificial intelligence has revealed their multifaceted applications and profound impacts on traditional approaches. While these advancements offer unparalleled benefits, careful consideration is essential to mitigate potential challenges. The financial industry's future lies in embracing these technological trends, adapting to change, and continuing to provide value to clients in this dynamic environment. The nuanced analysis presented throughout the paper suggests that the new tech trends are generally beneficial but require prudent usage for sustainable growth in the industry. As we move into 2023, the fusion of technology and finance is poised to shape a future where accessibility, efficiency, and innovation coalesce to redefine financial services and accounting practices. The industry's success will hinge on its ability to navigate the evolving technological landscape, leveraging advancements for positive transformation while addressing challenges responsibly and ethically. Previous Next

  • EduSpace Internships | Podar Eduspace

    EduSpace Internships Take the first step to your dream career. Work with our industry partners to gain experience and work on a research internship in the industry of your choice. Stand the chance to have your work published on our page: EduREPORTS as well! In collaboration with: Internship Opportunities Business Work in business fields of your choice. Be it marketing, finance, human resources, innovation, research, accounting department, legal or any business function you want to explore. Industry Explorations Research and analyze different industries, learn about industry trends and challenges, and gain insights. Pick a field and combine topics such as psychology and marketing, biology and business – curate to your interest! Technology Is AI a necessary evil? Explore the world of digital technologies like so and show your core competencies in the field of technologies such as AI, metaverse, EdTech and more. India-focus Uncover the hidden system of the non-government organisations and how they contribute to India. Study frameworks, governance, politics, economics and other areas that make the largest economy work – India. Sciences Discover how sciences intersect. Whether you're looking gain experience in biology, chemistry, physics, or engineering, pick a topic and we will match you to an expert. Humanities History, politics, economics, psychology, anthropology or more, we will match you to a field expert in help guide you research unique topics. Embark on an exploration of human-made systems and enrich your mind. Connect with experts Gain experience through personalized one-on-one mentorship with industry professionals. Explore your field Receive personalized guidance and curated research topics to deep dive into your chosen field. Gain work experience Enhance your résumé with skills and experience that enrich your profile for your dream university or career. The perfect first step Explore new industries, get published, and sample the professional world to discover your dream job. Apply Now Get in touch with us, and we can help you apply for internships with our industry partners. Tell us a little about yourself, successful applicants will receive a response within 24-48 hours. First Name Last Name Email Phone School/University Tell us about yourself Submit Thanks for submitting!

  • Podar Conversations | Podar Eduspace

    Podar Conversations A flagship series of mentoring talks by Podar Eduspace, bringing together industry CEOs and veterans with decades of leadership experience. Follow our events calendar to join the next scheduled talk. You can listen to the previously held conversations in the video links provided below. March 2022 - Podar Conversations with Rakesh Wahi, Co-Founder of Forbes Africa Magazine and CNBC Africa In this conversation, Wahi talks on "Lessons on Entrepreneurship and Leadership: From a Soldier who Dared to Dream" through his business experiences all around the globe April 2022 - Podar Conversations with PD Singh, Managing Director and Head of Corporate Banking, J.P. Morgan In this conversation, P D Singh talks on "Lessons on Leadership and Banking" through his 25 years of experience in the Finance Industry

  • Navigating the New Marketing Frontier by Maya Dave

    < Back Navigating the New Marketing Frontier by Maya Dave The landscape of marketing and communication has evolved significantly in the digital age. In a world driven by technology and data, it is crucial to explore and evaluate these techniques to make informed decisions in marketing and communication strategies. Abstract The landscape of marketing and communication has evolved significantly in the digital age. This research paper delves into the realm of new marketing techniques, shedding light on their importance and impact on modern businesses. By exploring various facets of digital marketing, this study aims to provide valuable insights into the ever-changing marketing landscape. The key objective of this research is to gain a comprehensive understanding of the significance of digital age marketing techniques. In a world driven by technology and data, it is crucial to explore and evaluate these techniques to make informed decisions in marketing and communication strategies. This paper explores three core digital marketing techniques: Email Marketing, Social Media Marketing, and Webpage Advertisements. It discusses their key features, advantages, and disadvantages, emphasizing the importance of cost-effectiveness, reach, audience engagement, effectiveness metrics, and ease of deployment in choosing the right strategy. Furthermore, the role of AI and data analytics in modern marketing is examined. AI-driven personalization, automation, and data-driven decision-making are discussed, along with the ethical considerations surrounding these practices. The concept of big data and data mining is explored as a crucial aspect of understanding customer behavior and refining marketing strategies. Various tools and methods for data analytics are highlighted, with real-world examples showcasing their applications in marketing. The paper also delves into the metaverse as a promising frontier for marketing, offering immersive experiences and interactive opportunities. Other emerging concepts like voice search optimization, sustainability, neuromarketing, and blockchain in advertising are discussed, shedding light on their potential impact on the marketing landscape. In conclusion, the future of marketing is marked by dynamic shifts and emerging concepts. To thrive in this evolving landscape, businesses must embrace technology, prioritize ethical practices, adapt to emerging trends, explore the metaverse, and foster sustainability. By doing so, they can connect meaningfully with their audiences and shape a promising future of marketing in the digital age. I. Introduction The landscape of marketing and communication has evolved significantly in the digital age. This research paper delves into the realm of new marketing techniques, shedding light on their importance and impact on modern businesses. By exploring various facets of digital marketing, this study aims to provide valuable insights into the ever-changing marketing landscape. The key objective of this research is to gain a comprehensive understanding of the significance of digital age marketing techniques. In a world driven by technology and data, it is crucial to explore and evaluate these techniques to make informed decisions in marketing and communication strategies. II. New techniques A. Email Marketing Email marketing stands as a cornerstone of digital marketing strategies, renowned for its ability to foster direct and personalized communication with a target audience. The practice involves the strategic distribution of tailored emails to a pre-identified list of subscribers, serving various purposes such as disseminating newsletters, delivering promotional offers, providing product updates, and nurturing customer relationships. One of the key features of email marketing is the art of crafting compelling subject lines that capture recipients' interest. For instance, a subject line like "Exclusive 20% Off for Our VIP Subscribers" instantly communicates value, prompting recipients to open the email. Furthermore, personalization is a hallmark of effective email marketing. Addressing recipients by their first names adds a personalized touch, making the communication feel more intimate and relevant. Call-to-action buttons play a pivotal role in driving desired actions. A prominent "Shop Now" button, for example, directs readers to the latest collection, streamlining the path to purchase. Success in email marketing often hinges on segmentation, where recipients are categorized based on demographics, behaviors, and engagement history. This segmentation enables marketers to tailor content to different audience segments, optimizing engagement and conversion rates. A tangible illustration of email marketing's effectiveness can be seen in the practices of e-commerce giant Amazon. Amazon's email campaigns send personalized product recommendations based on users' browsing and purchase history, resulting in increased sales and customer loyalty. Similarly, Spotify employs email marketing by sending personalized playlists and music recommendations based on user listening habits, enhancing user engagement and retention. B. Social Media Marketing Social media marketing has redefined the way businesses connect with their audiences. It involves creating and sharing content across diverse social media platforms, such as Facebook, Twitter, Instagram, LinkedIn, and TikTok, to promote products, services, or brand awareness. Beyond brand promotion, it serves as a means to forge authentic connections, gauge audience sentiment, and gather valuable feedback. Different social media platforms offer unique features and cater to distinct demographics. For example, Facebook, with its vast user base, is suitable for a wide range of businesses. Coca-Cola adeptly uses Facebook for brand storytelling and interactive polls, fostering engagement and brand loyalty among its global audience. Instagram, on the other hand, leverages visual appeal to showcase products effectively. Nike, for instance, employs Instagram to display its latest sportswear collections through compelling imagery and stories. Such visual content resonates with users, encouraging them to explore further and make purchasing decisions. Real-world case studies underscore the potency of social media marketing. Oreo's "Dunk in the Dark" tweet during the 2013 Super Bowl blackout exemplifies the power of real-time marketing on social media. The tweet, featuring an image and the caption "You can still dunk in the dark," went viral and showcased how quick thinking and creativity on social media can yield remarkable results. Furthermore, Red Bull's live stream of Felix Baumgartner's record-breaking space jump generated widespread engagement, demonstrating how social media amplifies extraordinary events and fosters audience participation. C. Webpage Advertisements Webpage advertisements constitute a fundamental component of online advertising, encompassing an array of formats and strategies aimed at capturing users' attention while they browse websites. These formats include banner ads, pop-ups, interstitials, native ads, and more, each strategically positioned to generate brand awareness, prompt user engagement, and ultimately drive conversions. Banner ads, a common sight on news websites and online platforms, serve to promote products or services. For instance, you may encounter a "Samsung Galaxy S21" banner ad displayed at the top of a tech news site. These visually engaging ads entice users to click through to learn more or make a purchase. Interstitial ads, often seen between levels of mobile app games, offer an interactive and engaging experience. They encourage users to download a mobile app game or explore an advertiser's offering, capitalizing on a user's active engagement with the content. Effectiveness in digital advertising is multifaceted, involving metrics such as click-through rates, conversion rates, and user experience. Google Ads, a widely used advertising platform, allows advertisers to track these metrics for banner ads, providing insights into their effectiveness. However, the rise of ad-blocking, exemplified by browser extensions like AdBlock Plus, presents a challenge. This underscores the importance of creating non-intrusive, relevant ads that align with user preferences and the overall content ecosystem. In summary, these new marketing techniques represent the evolving landscape of marketing in the digital age. Email marketing leverages personalized communication, social media marketing fosters authentic connections, and webpage advertisements strategically engage users during their online journeys. Through real-world examples and insights into their key features, these techniques empower businesses to navigate the complexities of contemporary marketing and engage with audiences effectively. III. Advantages and Disadvantages of each This section critically assesses the advantages and disadvantages of the new marketing techniques discussed in the previous section, namely Email Marketing, Social Media Marketing, and Webpage Advertisements. Through an in-depth analysis, we will examine their cost-effectiveness, reach, audience engagement, effectiveness metrics, and ease of deployment. A. Cost Analysis Cost-effectiveness of Each Marketing Technique: Cost-effectiveness is a vital aspect of any marketing strategy. Email marketing is often considered cost-effective due to its low overhead. It primarily involves expenses related to email automation software, content creation, and list management. Social media marketing also offers cost advantages, as most social media platforms offer free account options, allowing businesses to build a presence without significant initial investment. Webpage advertisements can vary in cost, depending on factors such as ad placement, size, and duration. They offer flexibility in budget allocation, allowing businesses to tailor their spending to specific goals. Factors Influencing Costs (e.g., ad spend, design, management): The costs associated with these techniques can be influenced by various factors. For email marketing, factors such as the size of the email list, frequency of campaigns, and the use of premium email marketing tools can impact costs. Social media marketing costs can vary based on the platform chosen for advertising and the competitiveness of the industry. Webpage advertisements' costs depend on ad placement, design complexity, and whether they use pay-per-click or pay-per-impression models. B. Reach and Audience Engagement Examination of the Potential Reach of Each Technique: The potential reach of each technique varies. Email marketing has a relatively narrow reach limited to the subscribers on the email list. Social media marketing can have a broader reach, as it taps into the vast user bases of popular platforms. Webpage advertisements can reach a diverse audience, depending on the websites where they are displayed. The reach of each technique should align with the target audience's preferences and behavior. Evaluation of Audience Engagement Levels: Audience engagement is a key metric for success. Email marketing typically sees high engagement levels when messages are personalized and relevant. Social media marketing fosters engagement through likes, comments, shares, and direct interactions with the audience. Webpage advertisements aim for immediate engagement, such as clicks or conversions. Effective audience engagement contributes to brand loyalty and conversion rates, and measuring it is crucial to assess the impact of each technique. C. Effectiveness Metrics for Measuring the Effectiveness of Each Technique (e.g., click-through rate, conversion rate): Measuring effectiveness requires the use of specific metrics tailored to each technique. Email marketing's effectiveness can be gauged through metrics like open rates, click-through rates (CTR), and conversion rates. Social media marketing effectiveness relies on engagement metrics such as likes, shares, comments, and follower growth. Webpage advertisements' effectiveness can be tracked using CTR, conversion rates, and return on ad spend (ROAS). Comparative analysis of these metrics allows businesses to determine which technique delivers the best results. Comparative Analysis of Effectiveness: A comparative analysis is vital to understanding which technique performs best in specific contexts. Email marketing excels at driving conversions among engaged subscribers, but it may have limitations in terms of reach. Social media marketing is excellent for building brand awareness and engaging with a broad audience, but it may require continuous content creation. Webpage advertisements provide immediate visibility but may require substantial ad spend to maintain visibility in competitive markets. A comparative analysis helps businesses make data-driven decisions on where to allocate resources. D. Ease of Deployment Factors Affecting the Ease of Deploying Each Technique: The ease of deployment varies for each technique. Email marketing is relatively straightforward to set up, requiring email marketing software and a well-structured email list. Social media marketing demands content creation and platform-specific strategies. Webpage advertisements involve negotiation with website owners or ad networks, as well as the creation of ad creatives. Ease of deployment depends on available resources and expertise. Case Studies Highlighting Deployment Challenges and Successes: Real-world case studies offer insights into the deployment challenges and successes of each technique. For instance, a case study on email marketing may highlight challenges in list segmentation and successes in nurturing customer relationships. Social media marketing case studies might showcase challenges in handling negative comments and successes in viral campaigns. Webpage advertisements case studies can illustrate challenges in ad placement negotiation and successes in achieving high click-through rates. These case studies provide practical lessons for businesses considering these techniques. In conclusion, this section provides a comprehensive evaluation of the advantages and disadvantages of Email Marketing, Social Media Marketing, and Webpage Advertisements. It emphasizes the need for a nuanced approach, considering factors such as cost-effectiveness, reach, engagement, effectiveness metrics, and ease of deployment to make informed marketing decisions in the digital age. IV. Use of AI and Data Analytics A. Role of AI in New Age Marketing Application of AI in Marketing Campaigns: AI has revolutionized marketing campaigns by introducing automation, personalization, and predictive capabilities. For example, recommendation engines powered by AI algorithms, as employed by e-commerce giants like Amazon and Netflix, analyze user behavior to suggest products or content tailored to individual preferences. Chatbots, another AI application, facilitate real-time customer interactions, answering queries, and providing assistance. AI also plays a critical role in programmatic advertising. Automated bidding, ad placement, and targeting optimizations are made possible by AI algorithms. These algorithms analyze vast datasets in milliseconds to deliver ads to the most relevant audience segments at the optimal time, maximizing ad spend efficiency. Benefits and Limitations of AI Integration: The integration of AI in marketing offers numerous benefits, including enhanced customer experiences, increased efficiency, and data-driven decision-making. AI-driven analytics can uncover valuable insights from vast datasets, enabling marketers to refine their strategies continuously. However, AI integration also presents challenges. It requires substantial initial investment in technology and talent. Privacy concerns related to data collection and usage are heightened when AI is involved. Moreover, the "black-box" nature of AI algorithms can make it challenging to explain or interpret decision-making processes. B. Data Analytics in Marketing Importance of Data Analysis: Data analysis is the bedrock of effective modern marketing. It empowers businesses to gain actionable insights into consumer behavior, preferences, and market trends. Through data analysis, marketers can identify patterns, measure campaign performance, and make data-driven decisions that optimize their strategies. For instance, customer segmentation is a crucial data analysis technique that enables businesses to tailor marketing efforts to specific audience groups. By analyzing demographic, geographic, and behavioral data, marketers can create personalized campaigns that resonate with particular segments, thereby enhancing engagement and conversion rates. Tools and Methods for Data Analytics in Marketing: Data analytics in marketing relies on a myriad of tools and methods. Google Analytics is a widely used platform that provides in-depth insights into website traffic and user behavior. It tracks metrics like page views, bounce rates, and conversion rates, enabling marketers to optimize website content and design. Customer Relationship Management (CRM) systems, such as Salesforce and HubSpot, facilitate the collection and analysis of customer data, helping businesses manage relationships and tailor marketing efforts. Advanced data analytics techniques, including predictive modeling and machine learning, are also used to forecast future trends, optimize marketing spend, and identify opportunities for growth. These methods leverage historical data to make accurate predictions and automate decision-making processes. In conclusion, AI and data analytics have become indispensable components of New Age Marketing. AI enhances marketing campaigns through automation and personalization but comes with implementation challenges. Data analytics is vital for gaining insights and making data-driven decisions. By leveraging the right tools and methods, businesses can harness the power of data to drive their marketing strategies and achieve better outcomes in the digital age. V. Role of Big Data and Data Mining This section explores the critical role of big data and data mining in the context of modern marketing. It delves into the definition and significance of big data, highlighting how it impacts marketing strategies. Additionally, it explains data mining techniques and provides real-world examples of their applications in marketing. A. Big Data in Marketing Definition and Significance of Big Data: Big data refers to vast volumes of structured and unstructured data that inundate organizations daily. These datasets are too large and complex to be processed and analyzed using traditional data management tools. Big data holds immense significance in marketing due to its potential to uncover valuable insights that inform decision-making processes. In marketing, big data encompasses diverse data sources, including social media interactions, online behavior, purchase history, customer feedback, and more. The significance lies in its ability to provide a comprehensive view of customer behavior, preferences, and trends, enabling marketers to craft highly targeted campaigns and refine strategies continually. How Big Data Impacts Marketing Strategies: Big data fundamentally transforms marketing strategies in several ways. It enables marketers to move beyond demographic targeting and delve into behavioral targeting. By analyzing customer behavior, such as online browsing patterns and purchase history, marketers can tailor messages and offers to specific segments, increasing the likelihood of conversion. Moreover, big data facilitates predictive analytics, allowing businesses to forecast trends and anticipate customer needs. For example, Netflix uses big data to analyze viewer behavior and make content recommendations. In real-time, marketers can also adjust their campaigns based on data-driven insights, ensuring that messages remain relevant and timely. Additionally, big data aids in measuring marketing ROI more accurately. It allows businesses to track the customer journey across multiple touchpoints, attributing conversions to specific marketing channels and campaigns. This insight is invaluable for optimizing budget allocation and marketing spend. B. Data Mining Techniques Explanation of Data Mining in Marketing: Data mining is a process that involves discovering patterns, trends, and insights from large datasets. In marketing, data mining is applied to extract valuable knowledge from customer data. It involves various techniques such as clustering, classification, association rule mining, and predictive modeling. For instance, clustering can be used to segment customers based on shared characteristics, allowing marketers to tailor campaigns to specific groups. Classification can help identify potential high-value customers by analyzing past behaviors and demographics. Association rule mining can reveal hidden relationships between products, enabling businesses to create effective cross-selling strategies. Predictive modeling can forecast customer behavior, allowing for proactive marketing campaigns. Real-World Examples of Data Mining Applications: Data mining finds extensive application in marketing. Amazon, for instance, employs data mining to provide personalized product recommendations to its customers. By analyzing purchase history and browsing behavior, Amazon's recommendation engine suggests products that align with a customer's interests, increasing the likelihood of additional purchases. Retailers like Walmart use data mining to optimize inventory management. By analyzing sales data and seasonal trends, they can forecast demand accurately, ensuring that products are in stock when customers need them. This not only improves customer satisfaction but also reduces carrying costs. Data mining also plays a crucial role in fraud detection for credit card companies. By analyzing transaction patterns, data mining algorithms can detect unusual behavior that may indicate fraudulent activity, protecting both customers and the company from financial losses. In summary, big data and data mining are indispensable tools in modern marketing. Big data's significance lies in its ability to provide comprehensive insights into customer behavior, while data mining techniques unlock hidden patterns and trends that inform marketing strategies. The applications of these technologies span various industries and have a profound impact on how businesses connect with their audiences and drive success. VI. Targeted Approach This section delves into the concept of a targeted approach in modern marketing, focusing on the utilization of technology for audience targeting and the role of data tools and social engineering. It also addresses the ethical considerations associated with these practices. A. Utilizing Technology for Targeting Tools and Technologies for Audience Targeting: Audience targeting is a cornerstone of effective marketing campaigns. Various tools and technologies empower businesses to identify and reach their ideal customers. One such tool is Customer Relationship Management (CRM) software, which centralizes customer data and enables personalized messaging. Additionally, marketing automation platforms, like HubSpot and Marketo, automate the delivery of tailored content based on customer behavior. Social media advertising platforms, such as Facebook Ads and LinkedIn Ads, offer advanced targeting options, allowing marketers to select audiences based on demographics, interests, and behaviors. Moreover, data analytics tools, like Google Analytics and Adobe Analytics, provide insights into website visitors, helping businesses refine targeting strategies. Case Studies on Successful Targeted Campaigns: Successful targeted campaigns serve as practical examples of how technology can be harnessed for precision marketing. One notable case is Spotify's "Discover Weekly" playlist. Using machine learning algorithms, Spotify curates personalized playlists for individual users based on their listening history. This approach significantly enhances user engagement and retention, showcasing the power of AI-driven audience targeting. Another case is Airbnb's dynamic pricing strategy. By analyzing demand patterns, Airbnb adjusts prices in real-time to target specific customer segments and maximize revenue. This targeted pricing approach has proven highly effective in the competitive hospitality industry. B. Data Tools and Social Engineering Role of Data Tools in Audience Manipulation: Data tools play a pivotal role in shaping audience behavior and preferences. Recommendation engines, commonly used by platforms like Netflix and Amazon, leverage user data to suggest products or content, thereby influencing consumer choices. These engines employ collaborative filtering and content-based filtering techniques to create a personalized user experience. Additionally, A/B testing tools, like Optimizely and Google Optimize, allow businesses to experiment with different messaging and user experiences, optimizing conversions. By analyzing the results of these tests, marketers can fine-tune their strategies to better resonate with specific audience segments. Ethical Considerations in Social Engineering: Ethical concerns arise in the context of social engineering, which involves the manipulation of individuals to divulge confidential information or perform actions against their interests. In marketing, it's essential to maintain ethical boundaries when collecting and using customer data. Transparency is a key ethical principle. Businesses must be transparent about data collection practices, inform customers how their data will be used, and provide opt-out options. Moreover, respecting customer privacy rights and adhering to data protection regulations, such as GDPR and CCPA, is imperative. While personalization and targeted marketing are valuable, they should not cross into invasive or manipulative territory. Marketers should be cautious about using psychological triggers that exploit vulnerabilities or pressure tactics that coerce consumers into making decisions they may later regret. In conclusion, a targeted approach in marketing leverages technology, data tools, and social engineering to engage with audiences effectively. Tools and technologies enable precise audience targeting, while case studies showcase the success of such strategies. However, ethical considerations are paramount in data-driven marketing to ensure transparency, privacy, and responsible use of consumer data. VII. Future Trends and Emerging Concepts This section explores the dynamic landscape of future trends and emerging concepts in marketing. It delves into the concept of the metaverse and its potential marketing opportunities. Additionally, it explores various other emerging marketing concepts and their potential impact on the marketing landscape. A. The Metaverse and Marketing Introduction to the Metaverse: The metaverse is a concept that envisions a collective virtual shared space, merging physical and digital realities. It encompasses interconnected virtual worlds where individuals can interact, create, and engage with digital environments. Emerging technologies like virtual reality (VR) and augmented reality (AR) play a pivotal role in shaping the metaverse. As the metaverse evolves, it promises to offer immersive experiences, allowing users to socialize, work, shop, and play within expansive digital realms. This concept is driven by the idea of a persistent, interconnected, and user-driven virtual universe. Potential Marketing Opportunities within the Metaverse: The metaverse presents an exciting frontier for marketing. Businesses can establish virtual storefronts, enabling consumers to explore products in a highly immersive and interactive manner. Brands can host virtual events, conferences, and product launches, fostering a sense of community and engagement. Virtual reality advertising can become a powerful tool, allowing consumers to experience products and services in 3D environments. Additionally, data generated within the metaverse can offer valuable insights into user behavior, preferences, and interactions, facilitating highly targeted marketing campaigns. Social media integration within the metaverse can amplify brand visibility and engagement. Influencer marketing may take on new dimensions as influencers navigate virtual spaces and interact with their audiences in innovative ways. B. Other Emerging Concepts Exploration of Other Emerging Marketing Concepts: Beyond the metaverse, numerous other emerging marketing concepts are reshaping the industry. These include: Voice Search Optimization: With the rise of voice-activated devices like smart speakers and voice assistants, optimizing content for voice search is becoming crucial. Marketers need to adapt their SEO strategies to cater to voice queries. Sustainability and Green Marketing: Sustainability has become a central concern for consumers. Brands that emphasize environmental responsibility and sustainable practices are gaining traction. Green marketing strategies focus on promoting eco-friendly products and reducing environmental impact. Neuromarketing: Neuromarketing leverages insights from neuroscience to understand consumer behavior at a deeper level. By analyzing brain responses and emotional triggers, marketers can refine their messaging and product design to elicit favorable reactions. Blockchain in Advertising: Blockchain technology is being explored to enhance transparency and combat ad fraud in digital advertising. It enables verifiable, tamper-proof records of ad transactions and user data privacy. Their Potential Impact on the Marketing Landscape: These emerging concepts have the potential to reshape the marketing landscape significantly. As voice search gains prominence, SEO strategies will need to adapt to accommodate natural language queries. Sustainability and green marketing are likely to influence consumer choices, favoring brands that prioritize environmental responsibility. Neuromarketing insights can lead to more persuasive advertising campaigns that resonate with consumers on an emotional level. Blockchain's adoption can enhance trust and transparency in digital advertising, potentially reducing ad fraud and improving the effectiveness of ad spend. As marketing embraces these emerging concepts, businesses will need to stay agile and innovative to remain competitive and meet evolving consumer expectations. In summary, the future of marketing is marked by dynamic shifts and emerging concepts. The metaverse presents new immersive marketing opportunities, while other trends like voice search optimization, sustainability, neuromarketing, and blockchain are poised to impact how businesses connect with their audiences in the evolving digital landscape. Marketers who adapt to these changes will be well-positioned for success in the future. VIII. Conclusion In the ever-evolving landscape of modern marketing, our exploration has uncovered a myriad of insights and trends that are shaping the industry. This conclusion serves as a synthesis of our key findings, explores the implications of these findings for the future of marketing, and concludes with closing thoughts and recommendations. A. Summary of Key Findings Throughout this research paper, we have delved into various facets of New Age Marketing. We began by exploring new marketing techniques, including Email Marketing, Social Media Marketing, and Webpage Advertisements, and deciphered their intricacies and applications. Our examination of the advantages and disadvantages of these techniques shed light on their cost-effectiveness, reach, audience engagement, effectiveness metrics, and ease of deployment. We then ventured into the realm of AI and Data Analytics, discovering their transformative role in marketing campaigns and decision-making processes. Big Data and Data Mining emerged as pivotal tools for uncovering insights, understanding customer behavior, and refining marketing strategies. Additionally, our exploration of targeted approaches underscored the significance of technology and data tools in audience targeting while highlighting the ethical considerations inherent in social engineering. Finally, we peered into the future, where the concept of the metaverse promises revolutionary marketing opportunities. Beyond the metaverse, emerging concepts like voice search optimization, sustainability, neuromarketing, and blockchain are poised to reshape the marketing landscape. B. Implications for the Future of Marketing The implications drawn from our research are profound. The future of marketing is one where personalization and data-driven decision-making reign supreme. Businesses that harness the power of AI, big data, and data analytics will gain a competitive edge by delivering tailored experiences to their audiences. The metaverse represents an exciting frontier, offering immersive marketing opportunities that can foster engagement and community-building. As consumers increasingly seek authenticity and sustainability, brands that align with these values will thrive. Furthermore, the ethical considerations in marketing cannot be overstated. Businesses must prioritize transparency, data privacy, and responsible practices to maintain consumer trust in an era of increasing data scrutiny. C. Closing Thoughts and Recommendations In closing, it is evident that the landscape of marketing is in a constant state of flux. To navigate this dynamic terrain successfully, businesses should: Embrace Technology: Invest in AI, data analytics tools, and emerging technologies to stay competitive and deliver personalized experiences. Prioritize Data Ethics: Uphold ethical standards in data collection, usage, and advertising practices to build and maintain trust with consumers. Adapt to Emerging Trends: Stay agile and proactive in adopting emerging marketing concepts such as voice search optimization, sustainability, and blockchain to remain relevant in a changing market. Explore the Metaverse: Consider how virtual reality and the metaverse can be integrated into marketing strategies to create immersive and engaging brand experiences. Foster Sustainability: Embrace sustainability as a central value, aligning with consumers who increasingly seek eco-conscious brands. In the dynamic world of New Age Marketing, businesses that combine innovation, ethics, and adaptability will be best poised to thrive and connect meaningfully with their audiences, paving the way for a promising future of marketing. Previous Next

  • WorkEx Bootcamp | Podar Eduspace

    WorkEx Bootcamp A 4-module, 6-8 week advanced industry training programme in collaboration with Harvard Business School Online and Podar Enterprise for students and professionals. Apply Now! In collaboration with: WorkEx Bootcamp Modules The WorkEx Bootcamp integrates four modules HBS Online Get access to world-leading education to enhance your global business acumen and receive an HBS Online certificate upon successful course completion. ​ Courses available: Sustainable Business Strategy Leadership Principles Negotiation Mastery Disruptive Strategy Business Analytics Entrepreneurship ​ ​ Learn More MetCrynN Develop a complete understanding of 21st Century trends and receive a certificate from Podar Eduspace upon course completion. ​ Workshop Components: Crypto & NFTs Artificial Intelligence Blockchain & IoT Metaverse & New Trends Learn More Startup Design 101 Learn the foundational skills to build a business from start to finish and receive a certificate from Podar Eduspace upon course completion. ​ ​ Workshop Components: Design Thinking & Ideation UX Research & Prototyping Startup Pitch Learn More Industry Internship Participate in a 2-4 week optional research internship opportunity at one of our partner organisations to leverage your learnings from the courses in a real business setting. ​ Internships available: Podar Enterprise (Conglomerate) Anandilal Podar Trust (NGO) Oyster Capital Management (Consulting) Learn More WorkEx Bootcamp Modules Module 1: Harvard Business School Online Download the course catalogue and select one of the 15 tracks offered HBS Online Tracks Leadership Track Take your skills to the next level and unleash your potential as a future leade r Strategy Track Become a purpose driven and dynamic business leader to create chang e. Analytics Track Secure your future with data and a problem solving base approach! ​ Entrepreneurship Track Release your inner Entrepreneur with us through innovative solutions ​ Download Course Catalogue Module 2: MetCrynN Powered by Podar Eduspace for 21.5 Century thinking ​ Co-designed with industry professionals, the 4-day workshop combines an up-to-date curriculum with experienced technical professionals as instructors ​ Form a deep understanding with new themes and current technologies, ranging from crypto and NFTs, to the metaverse ​ Train your ability to communicate and converse on these topics, their use cases, risks, and technicalities. ​ ​ IRR Module 3: Startup Design 101 Powered by Podar Eduspace ​ Learn about industry best practices such as design thinking to minimize risk when launching your own enterprise ​ Conduct UX research to validate your business assumptions and learn how to prototype solutions with industry tool ​ Level up your ability to sell with pitching workshops to improve your slide design, financial modeling, and storytelling ​ Pitch to senior business leaders and industry experts to hone your confidence and business acumen. Podar Enterprise has been a prominent player in the education industry across the Indian subcontinent since 1921. The Podar family has established educational facilities in various cities across India. Podar Anandilal Podar Trust Podar Enterprises Oyster Capital Virtual Intern Module 4: Industry Internships Intern with one of our partner organisations in the concluding module of the Bootcamp Student Journey HBS Certification Business Hard Skills Recorded, Self-paced 4-8 Weeks Podar Certified Startup Design 101 Live Online 4 days, 11-1pm IST Enrolment 1 2 3 Graduation Podar Certified MetCrynN Live Online 4 days, TBD Virtual Internships Nandini Bansal, WorkEx Bootcamp September 2021 Batch Culinary Arts, Fashion Institute Mumbai ​ Testimonials Anshika Mittal, WorkEx Bootcamp September 2021 Batch Statistics, Delhi University ​ Nandini Bansal, WorkEx Bootcamp Cohort 2 Member Master's at XXX University ​ Abhishek Jain, WorkEx Bootcamp September 2021 Batch Law, OP Jindal Global University ​ Nischita Paderu, WorkEx Bootcamp September 2021 Batch, OP Jindal Global University "The student to faculty ratio was optimal, giving everyone in the cohort a perfect chance to participate in every session." Limited Places Available​ The programme is limited in places as the batch size is intended to be kept small (30-40 participants) to keep the experience personalized and enriching ​ Eligibility Criteria No age or qualifications requirements The only requirement is an aspiration to up-skill and be ahead of the curve There are no academic or professional prerequisites for this programme A typical batch would have participants ranging from early-year students to mid-career professionals There are also no discipline-specific learnings. The participants come from a diverse pool of backgrounds such as law, business, medicine, technology, finance, etc. How to Apply Provide the information below and you will hear back from the Podar Eduspace team to take your application forward. ​ ​ Application Form First Name Phone (WhatsApp) Occupation Name of Referrer (If Applicable) Last Name Age Organization/University Name Personal Email City CV / Resume Upload (Optional) Upload File Upload supported file (Max 15MB) Apply Thank you for submitting your application for the WorkEx Bootcamp! You will hear back on the status of the application in 48 hours from Team Podar Eduspace. Apply Now Am I eligible for this course? All students and young professionals above the age of 15 and who command a level of fluency in English are eligible. What does the application process consist of? All applicants should fill out the form above and our team will reach out shortly with a short call. If all goes smoothly, you will be invited to join the cohort! How does this program benefit me as a student? This course provides a strong foundation of hard, soft, and digital skills from highly-trained professionals at Harvard Business Publishing and Podar Enterprises. It demystifies business skills and prepares you for the world ahead. It definitely is the perfect profile building opportunity for your college or university applications. Harvard Business Publishing is a recognised awarding body and will help you gain practical skills – especially presentation skills. How does this program benefit me as a professional? The course supports up-skilling of professionals as well as provides professionals with access to industry leaders, in-demand skills and important concepts such as AI, innovation etc. How does this program boost employability? Aside from the skills and resume support, participants get access to an optional virtual research internship experience with partner companies within the fields of finance, consulting, NGOs. How long does the course run for? Podar Skills The programme takes 30 hours to complete which can be taken as 2 hours per day for 2 weeks. Students have flexibility to do it at their own pace and they have 3 months to complete all the courses from Harvard Business Publishing, and they can complete the PodarPRO module at their convenience. Work Ex Bootcamp Our program runs for approximately 6 weeks with dates depending on the courses selected. The Startup Design 101 Workshop runs from 11-1:30pm IST for two days over one weekend, The MetCrynN Workshop runs from 11-1:30pm IST for two days over one weekend and the HBS Online courses are to be done in your own time. What happens if I miss a session? All sessions will be recorded and all materials & recordings will be shared with course participants for their review. It is encouraged that students attend all courses. Contact Us Write to us with your queries, curiosities and ideas at contact@podareduspace.org or simply call us at +91 98202 27795.

  • Podar Eduspace

    Podar Skills Powered by Harvard Business Publishing 12 certificates from Harvard to add hard, soft and digital skills to your profile. Includes premier programme by Podar to build résumé and interview skills for students, universities and professionals. Upskill Now! Guest speaker as Education Champion at MSME Forum It was a great opportunity to share the future of education and EdTech with different people in the MSME Space. 21st century learners have to find their edge and creating long term value for clients is the key to succeed in EdTech. Participated in Skilling Based Forum Talk at Raj Bhavan It was my utmost honour to represent Podar Eduspace as a leading education and skilling startup in a talk hosted at the Raj Bhavan and having the privilege of meeting the Education Minister of Maharashtra, along with the Sector Skill Council for People with Disabilities Signed an MOU with PRESPL Punjab Renewable Energy Systems Pvt. Ltd. is a premier skilling body and its our honour to be partnering with them to focus on skilling activities in the bioenergy sector across India. Skilling discussions with Invest Punjab It was an honour to meet Invest Punjab and discuss possible synergies in upskilling across Punjab. Meeting with President of India It was our greatest honour to meet with the President of India, Mrs. Droupadi Murmu to discuss future policies regarding EdTech and skilling of India. [PODCAST]: A Candid Conversation with Pooja Sedani It was an honour to be a part of a discussion with Ms. Pooja Sedani and discuss the latest developments in EdTech and the future of skilling. [BLOG] Negotiating across your career When you’re in college and just starting out on your career, questions of self-doubt can plague your mind. When you’re on the cusp of entering the real world, a key skill that not many discuss is the art of negotiation. Read more on EduSPACE: The Blog Podar Eduspace partners with National Skills Development Council Podar Eduspace has partnered with NSDC to bridge the gap between industry & colleges, and increase employment opportunities through their upskilling programs, the WorkEx Bootcamp Program and the 21st Century Digital Skills Bootcamp Programs. The students will have access to courses such as Business Analytics, Business Strategy and Data Science, Cryptocurrency, and Metaverse which are in collaboration with Harvard Business School Online as well as Podar Enterprises and will learn industry ready hard skills, soft skills, and digital skills. After a successful completion of Bootcamp, participants will receive 4 certificates, co-branded by NSDC and Podar Eduspace. Podar Eduspace launches skilling initiatives Through our skilling initiatives we aim to work with the Government of India and MNCs to provide skilling to urban and rural communities across India. Through this vision, we seek to work with Anandilal Podar Trust to contribute and give back to our nation. Our objective is to impact the lives of underprivileged youth by providing them skill, employment and livelihood. We have been implementing partners for large scale government projects including: PMKVY and RSLDC. We engage with corporate sector and PSU's as their preferred partner for implementing CSR Projects across pan-India. We work with marginalized youth, women, specially-abled, school & college drop-outs in both rural and urban India. Our industry-connected skilling model will create a visible impact on the lives of over a million uneducated & unemployed youth who enter the workforce each year. ​ We also aspire to give back to society and contribute to India in becoming the Skill Capital of the World. We are working with the Sector Skill Council for People with Disabilities in states like Maharashtra and Rajasthan to train disabled candidates (hearing, sight and locomotive disabilities) and are employing them in various sectors like logistics, telecommunication, etc. CEO presents at the International Education Expo 2022 Vedant Podar, CEO, Podar Eduspace, was invited to speak at the International Education Expo 2022, A MSME DFO Mumbai Initiate under Ministry of MSME, Government of India Official. He spoke about the challenges faced by students under traditional education process and the gap between their knowledge/skill set and industry requirements and the need of upskilling and staying abreast with latest technologies and trends. He shared Podar Eduspace's vision of spreading 21st century skills with India and empower the students with new age skills, technologies and outlook for successful career. EduREPORT: NGOs in the Indian Landscape India as a country: Our eyes reach the stars, our feet are going down quicksand. With a robust state network system and a far-reaching executive, India is still not even close to even achieving universal access to basic services. This glaring gap is taken care of by the intricate NGO sector. Podar Eduspace launches EduREPORTS A programme where we publish the research reports created by the graduating cohorts of the WorkEx Bootcamp and independent research submitted from our community on diverse topics such as technology, social welfare, and more. Submit your today! EduSPACE: The Blog – Design Think(ing) to Innovate Design Thinking is about taking a human-centred approach to innovation that draws from a designers toolkit to integrate the needs of the consumer. Simply put, it is about thinking about a business problem with sensitivity, and not basing the innovation process solely on numbers, adding a touch of human intuition. Podar Eduspace launches EduSPACE: The Blog Explore the knowledge ecosystem and learn more: featuring articles on technology, business and more. Highlights & Latest Developments In collaboration with: Our Knowledge Ecosystem Our knowledge system Podar Skills Podar Skills is the newest addition to our list of courses. Pick up 13 certificates – 12 from Harvard Business Publishing and 1 Podar PRO certification to help you boost your profile with hard, soft and digital skills. Learn More Programmes and Initiatives Latest Launches in Podar Eduspace Skill Centre Collaborating with our sister organization, the Anandilal Podar Trust, to design programmes alongside the Government of India and MNCs to provide re-skilling and up-skilling services to urban and rural communities across India. Learn More Nandini Bansal, WorkEx Bootcamp Cohort 2 Member Master's at XXX University ​ EduSpace Internships EduSpace Internships is a latest addition to our offerings. Apply for research internships in any field of your choice. Connect with industry professionals and take the first step to your dream university or career. Learn More Programmes & initiatives Testimonials Nandini Bansal, WorkEx Bootcamp September 2021 Batch, Fashion Institute Mumbai Nandini Bansal, WorkEx Bootcamp Cohort 2 Member Master's at XXX University ​ Nischita Paderu, WorkEx Bootcamp September 2021 Batch, OP Jindal Global University "The student to faculty ratio was optimal, giving everyone in the cohort a perfect chance to participate in every session." Testimonial

  • The Relationship between Finance and Economies by Veer Sharma

    < Back The Relationship between Finance and Economies by Veer Sharma Studying the system interactions and linkages between banking, finance and governance. Macroeconomics Macroeconomics is a branch of economics that focuses on the study of the economy as a whole, rather than on individual markets or specific economic agents. It deals with the behavior, performance, structure, and decision-making of an entire economy, encompassing factors such as aggregate output, employment, inflation, economic growth, and the interactions between different sectors. Key areas of focus in macroeconomics include: A) Gross Domestic Product (GDP): Macroeconomists analyze the total value of goods and services produced within a country over a specific period. GDP is a fundamental measure of economic activity and is used to gauge the overall health and size of an economy. B) Unemployment: Macroeconomics examines the level of unemployment in an economy and seeks to understand its causes and consequences. It addresses questions about how changes in economic conditions impact the job market and labor force participation. C) Inflation: Macroeconomists study changes in the general price level of goods and services, known as inflation. They explore its causes, effects, and potential policy measures to control inflation and ensure price stability. D) Economic Growth: Understanding the factors that contribute to sustained economic growth is a central concern in macroeconomics. This involves analyzing productivity, technological advancements, investment, and other factors that influence an economy's capacity to expand over time. E) Fiscal and Monetary Policy: Macroeconomists assess the impact of government policies on the economy, such as fiscal policies (government spending and taxation) and monetary policies (central bank actions like interest rate adjustments and money supply management). They study how these policies can be used to influence economic performance and stability. F) International Trade and Finance: Macroeconomics also explores the interactions between economies on a global scale. It delves into topics like exchange rates, trade imbalances, and the impact of international economic events on a country's domestic economy. G) Business Cycles: Macroeconomists analyze the cyclical fluctuations in economic activity known as business cycles. These cycles consist of periods of economic expansion (boom) and contraction (recession), and understanding their causes and dynamics is a key focus of macroeconomic research. In essence, macroeconomics provides insights into how economic systems function as a whole, how they respond to external shocks and policy changes, and how government actions can impact overall economic well-being. It helps policymakers, economists, and businesses make informed decisions to manage and improve economic conditions at the national and international levels. Microeconomics Microeconomics is a branch of economics that focuses on the study of individual economic units and their behavior within markets. It examines the interactions between households, firms, consumers, and producers at a smaller, more localized level, as opposed to the broader perspective of macroeconomics, which looks at the economy as a whole. Key areas of focus in microeconomics include: A) Supply and Demand: Microeconomics analyzes how individual buyers and sellers interact in various markets. The concept of supply and demand is central to this analysis, as it explains how prices are determined based on the interaction between consumer demand and producer supply. B) Consumer Behavior: Microeconomists study how consumers make choices about purchasing goods and services. They examine factors such as individual preferences, utility, and budget constraints to understand how consumers maximize their satisfaction (utility) given their limited resources. C) Producer Behavior: Microeconomics also looks at how firms make decisions about production and pricing. It explores concepts like production costs, profit maximization, and market structure (e.g., perfect competition, monopoly, oligopoly) to understand how firms operate in different competitive environments. D) Market Structures: Microeconomics categorizes markets based on the number of sellers and buyers, their influence over price, and the nature of the goods being traded. Different market structures have distinct implications for pricing, competition, and efficiency. E) Resource Allocation: Microeconomics examines how scarce resources are allocated among competing uses. It delves into topics like opportunity cost, production efficiency, and factors of production (land, labor, capital, entrepreneurship) to understand how resources are utilized to produce goods and services. F) Welfare Economics: Microeconomists assess the overall welfare or well-being of society by analyzing the efficiency and equity implications of market outcomes. Concepts like consumer surplus, producer surplus, and market equilibrium are used to evaluate the desirability of various economic situations. G) Externalities and Market Failures: Microeconomics addresses situations where markets do not achieve efficient outcomes due to factors like external costs or benefits (externalities), public goods, and imperfect information. It explores how government intervention or policy measures might be necessary to address these market failures. In summary, microeconomics provides insights into the behavior of individual economic agents and their interactions within markets. It helps to understand how prices are determined, how consumers and producers make choices, and how resources are allocated in various economic settings. Microeconomic analysis is essential for making informed decisions about resource allocation, market regulation, and understanding the intricacies of specific economic activities. Financial Systems A financial system is a set of institutions, such as banks, insurance companies, and stock exchanges, that permit the exchange of funds. Financial systems exist on firm, regional, and global levels. Borrowers, lenders, and investors exchange current funds to finance projects, either for consumption or productive investments, and to pursue a return on their financial assets. The financial system also includes sets of rules and practices that borrowers and lenders use to decide which projects get financed, who finances projects, and terms of financial deals. There are four components of Financial Systems – A) Financial institutions - Financial institutions play a significant role in bringing together lenders and borrowers. This is done by using various financial instruments and services, all of which contribute to an efficient financial system. The financial institution is one of the main components which ensure liquidity in the financial system through the development of credit and other liquid assets. B) Financial services - Financial services include credit rating agencies, mutual funds, pension funds, venture capital, and other institutions that are part of the financial system. Financial services are an important component of the financial system due to their specific tasks. C) Financial markets - A financial market is where both the creation of new financial assets and the trading of existing ones occur. Financial markets move funds from savers to borrowers much more efficiently and ensure that there is always liquidity. D) Financial instruments - Financial instruments are another main component of the financial system. Financial instruments are papers that entitle the buyer to future income from the seller. That's because there are different needs between investors and those looking for credit. Risk Management What is Risk Management? Risk management involves identifying, analyzing, and accepting or mitigating uncertainty in investment decisions. Put simply, it is the process of monitoring and dealing with the financial risks associated with investing. Risk management essentially occurs when an investor or fund manager analyzes and attempts to quantify the potential for losses in an investment, such as a moral hazard, and then takes the appropriate action (or inaction) to meet their objectives and risk tolerance. Importance of Risk Management? If an unforeseen event catches your organization unaware, the impact could be minor, such as a small impact on your overhead costs. In a worst-case scenario, though, it could be catastrophic and have serious ramifications, such as a significant financial burden or even the closure of your business. To reduce risk, an organization needs to apply resources to minimize, monitor and control the impact of negative events while maximizing positive events. A consistent, systemic and integrated approach to risk management can help determine how best to identify, manage and mitigate significant risks. Process of Risk Management: A) Identifying risks - Risk identification is the process of identifying and assessing threats to an organization, its operations and its workforce. For example, risk identification may include assessing IT security threats such as malware and ransomware, accidents, natural disasters and other potentially harmful events that could disrupt business operations. B) Risk analysis and assessment - Risk analysis involves establishing the probability that a risk event might occur and the potential outcome of each event. Risk evaluation compares the magnitude of each risk and ranks them according to prominence and consequence. C) Risk mitigation and monitoring - Risk mitigation refers to the process of planning and developing methods and options to reduce threats to project objectives. A project team might implement risk mitigation strategies to identify, monitor and evaluate risks and consequences inherent to completing a specific project, such as new product creation. Risk mitigation also includes the actions put into place to deal with issues and effects of those issues regarding a project. International Banking International banking refers to the financial services and activities that involve transactions and operations across national borders. It involves the movement of funds, assets, and capital between individuals, businesses, and institutions in different countries. International banking plays a crucial role in facilitating global trade, investment, and economic activities. Features of International Banking – A) Flexibility: This banking facility provides flexibility to multinational companies to deal in multiple currencies. The major currencies that multinational companies or individuals can deal with include the euro, dollar, pounds, sterling, and rupee. The companies with headquarters in other countries can manage their bank accounts and avail of financial services in other countries through this banking without any hassle. B) Accessibility: International banking provides accessibility and ease of doing business to companies from different countries. An individual or MNC can use their money anywhere around the world. This gives them the freedom to transact and use their money to meet any funds requirement in any part of the world. C) International Bank Transfers/Transaction: International banking allows the business to make international bill payments. The currency conversion facility allows the companies to pay and receive money easily. Also, benefits like overdraft facilities, loans, deposits, etc., are available every time for overseas transactions. Correspondent banking is very useful in such transactions. D) Accounts Maintenance: A multinational company can maintain the records of global accounts in a fair manner with the help of international banking. All the company’s transactions are recorded in the books of banks across the globe. By compiling the data and figures, the company’s accounts can be maintained. Investment Finance Investment finance refers to the allocation of funds or capital with the goal of generating returns or profits over a certain period of time. It involves the strategic deployment of financial resources into various assets, such as stocks, bonds, real estate, mutual funds, and other financial instruments, with the expectation of earning income or achieving capital appreciation. Objectives of Investment Finance – A) Wealth Accumulation: Individuals, businesses, and institutions invest their funds to grow their wealth over time. This can be achieved through capital gains (increase in the value of the invested assets) and/or income generated from dividends, interest, or rental payments. B) Capital Preservation: Some investments focus on preserving the initial capital while generating modest returns. These are often considered lower-risk investments, such as government bonds or certain types of savings accounts. C) Risk and Return Trade-Off: Investment finance involves assessing and managing the trade-off between risk and potential return. Generally, investments with higher potential returns are associated with higher levels of risk. D) Diversification: A key principle of investment finance is diversifying the investment portfolio across different asset classes and geographic regions to reduce risk. Diversification helps mitigate the impact of poor performance in any one investment. Corporate Finance Corporate finance refers to the financial activities and decisions made by corporations or businesses to manage their financial resources, optimize their capital structure, and make strategic financial decisions that maximize shareholder value. It involves a wide range of activities that revolve around obtaining and using funds effectively to achieve the company's goals and objectives. Objectives of Corporate Finance – A) Maximizing Shareholder Value: One of the primary objectives of corporate finance is to enhance the wealth of the company's shareholders. This involves making financial decisions that result in increasing the stock price, dividends, and overall returns for shareholders. B) Profitability: Corporate finance aims to generate sustainable profits by effectively managing the company's investments, operations, and expenses. Profitability ensures the company's ability to cover costs, fund growth, and provide returns to shareholders. C) Long-Term Growth: Companies strive for continuous growth and expansion to increase their market share, revenue, and profits. Corporate finance supports this objective by allocating resources to strategic investments and projects that contribute to the company's long-term success. D) Efficient Allocation of Resources: Effective corporate finance involves allocating financial resources, such as capital and investments, to projects and initiatives that offer the highest potential return. This ensures that resources are used efficiently and generate maximum value. Difference Between Investment and Corporate Finance – History of Money What is Money? Money doesn't always have value whether it's represented by a seashell, a metal coin, a piece of paper, or a string of code mined electronically by a computer. Money allows people to trade goods and services indirectly. It helps communicate the price of goods and provides individuals with a way to store their wealth. It is valuable as a unit of account—a socially accepted standard by which things are priced and with which payment is accepted. Throughout history, the concept of money has evolved from barter systems to complex financial instruments. Early societies traded goods directly, but as trade expanded, various commodities, such as shells, grain, and metals, were used as mediums of exchange. Metal objects eventually emerged as standardized forms of money, with ancient civilizations like the Greeks and Romans using coins. As economies grew, paper money emerged, initially representing promises to redeem precious metals. In the modern era, governments and central banks took control of money issuance. The gold standard linked currency values to a specific amount of gold, fostering global trade. The 20th century saw the transition to fiat money, backed by governments' legal tender and trust. The rise of electronic banking led to digital money, revolutionizing transactions. Today, cryptocurrencies, like Bitcoin, introduce decentralized and digital forms of money, challenging traditional financial systems. The history of money reflects humanity's quest for efficient and trusted mediums of exchange to facilitate trade and economic progress. Corporate Governance Corporate governance is the system of rules, practices, and processes by which a firm is directed and controlled. Corporate governance essentially involves balancing the interests of a company's many stakeholders, such as shareholders, senior management executives, customers, suppliers, financiers, the government, and the community. Since corporate governance provides the framework for attaining a company's objectives, it encompasses practically every sphere of management, from action plans and internal controls to performance measurement and corporate disclosure. Benefits of Corporate Governance – A) Good corporate governance creates transparent rules and controls, provides guidance to leadership, and aligns the interests of shareholders, directors, management, and employees. B) It helps build trust with investors, the community, and public officials. C) Corporate governance can provide investors and stakeholders with a clear idea of a company's direction and business integrity. D) It promotes long-term financial viability, opportunity, and returns. Principles of Corporate Governance – Fairness: The board of directors must treat shareholders, employees, vendors, and communities fairly and with equal consideration. Transparency: The board should provide timely, accurate, and clear information about such things as financial performance, conflicts of interest, and risks to shareholders and other stakeholders. Responsibility: The board is responsible for the oversight of corporate matters and management activities. It must be aware of and support the successful, ongoing performance of the company. Part of its responsibility is to recruit and hire a CEO. It must act in the best interests of a company and its investors. Accountability : The board must explain the purpose of a company's activities and the results of its conduct. It and company leadership are accountable for the assessment of a company's capacity, potential, and performance. It must communicate issues of importance to shareholders. Entrepreneurial Finance Entrepreneurial finance refers to the specific area of finance that deals with the financial decisions, strategies, and challenges faced by entrepreneurs, startups, and small business owners. It focuses on the unique financial needs and opportunities that arise when individuals or groups launch new ventures or seek to grow and scale their businesses. The key aspects of Entrepreneurial Finance are – A) Startup Funding: Entrepreneurs often need capital to turn their innovative ideas into viable businesses. Entrepreneurial finance involves identifying and securing funding from various sources, including personal savings, family and friends, angel investors, venture capital, and crowdfunding. B) Business Valuation: Determining the value of a startup or small business is crucial for attracting investors, negotiating equity stakes, and making informed financial decisions. Valuation methods specific to startups and early-stage companies are used. C) Capital Structure: Deciding on the mix of equity and debt financing is important for entrepreneurs. Balancing financial risk and ownership control is a key consideration in determining the optimal capital structure. D) Bootstrapping: Many startups begin with limited resources and use creative strategies to operate and grow without external funding. Entrepreneurial finance includes effective bootstrapping techniques to stretch resources and minimize cash burn. E) Risk Management: Entrepreneurs face various financial risks, including market risks, technological risks, and regulatory risks. Managing and mitigating these risks is an integral part of entrepreneurial finance. F) Financial Planning: Developing a comprehensive financial plan that outlines revenue projections, expenses, and growth strategies is essential for startup success. Entrepreneurs use financial planning to guide their operations and secure funding. BIBLIOGRAPHY 1. Investopedia.com 2. Ibm.com 3. Studysmarter.co.uk 4. Efinancemanagement.com 5. Wikipedia.org 6. Frank ISC Economics standard 12 Previous Next

  • EduREPORTS

    EduREPORTS EduREPORTS is a programme where we publish the research reports created by the graduating cohorts of the WorkEx Bootcamp and independent research submitted from our community on diverse topics such as technology, social welfare, and more. AI – A Necessary Evil? by Krisha Makharia Artificial Intelligence (AI) is rapidly transforming the way we all live, our personal life, our occupation, our education, our relationship with other human beings and non-living beings, how we get to fulfil our aspirations etc. AI (and generative AI) is the next biggest transformation we are all witnessing and luckiest to be part of this historical journey. Read More Consumer Pricing Behavior: An In-depth Analysis of Price Perception and Decision-Making by Samaarra Agarwal Consumer pricing behavior is a key and complex component of the contemporary market. Here, we analyze how people make decisions in their quest of value, which sits at the nexus of psychology, economics, and marketing. Read More Economics' Perspectives on Modern Finance by Dweej Desai ​ Read More Emerging Technology Trends in Finance by Rian Sanghavi This research paper explores the profound impact of emerging technology trends on the finance industry in the 21st century. It delves into key technological advancements such as big data, blockchain, machine learning (ML), and artificial intelligence (AI), examining their applications in finance and accounting. Read More Evolving Marketing Tools and Techniques by Nikita Khaitan Understanding the Switch from traditional to digital marketing. Nike as a case study and the role of AI, big data, and metaverse. Read More Indian Asset Management by Rishabh Keshiv Sehgal This report will cover various types of asset classes present in India, and deep dive into India's Asset Management industry with a comparison against global markets. 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  • Indian Asset Management by Rishabh Keshiv Sehgal

    < Back Indian Asset Management by Rishabh Keshiv Sehgal This report will cover various types of asset classes present in India, and deep dive into India's Asset Management industry with a comparison against global markets. ASSET CLASSES Investment belongs to one or other asset classes there are various types of asset classes present in India. There seem to be a variety of characteristics that can be used to categorize asset classes. You can categories them based on their intended use, including whether they are consumption assets like oil and natural gas or investment assets like securities. You can also group them by geography or industry, such as domestic assets, overseas or global assets, or emerging and advanced markets. Few asset classes are: Fixed income Equity Real estate Commodities Cash and cash equivalents Derivatives Alternative investments Fixed Income Fixed income asset class is the common asset class in our country as people have a lot of trust in this asset class. It is amongst the most ancient and respected asset classes. This asset class for instance includes Fixed deposits (FD) and Public provident funds (PPF). In this way the investor is allowing the bank to borrow money from the investor in exchange of capital protection and the bank agreed returns on the investment to the investor during a certain period of time. This is the most popular and common asset class as it includes zero percent risk though has less return. The investor gets steady returns on their investment in the due course of time. It also includes corporate and government bonds. Unlike equity market there are no cash flows involved in this asset class the amount of maturity is pre decided therefore having variation is profit or loss. Equity This asset class in India has recently gained its importance and popularity but still growing. This asset class is the mostly buying equities which means buying into a running business based on the number shares bought. This asset class is not as secure as the fixed income asset class rather lies on riskier side of the asset classes. When an investor buys a share of company the investor becomes the owner the respective percentage of the shares bought. Equity can be further categorized as small cap, mid cap, and large cap funds there are also multi cap funds and dividend yielding funds. Real Estate Real estate market is also a very old and popular asset class in India. Investor in India love to invest their savings in the real estate market. This asset class mainly focuses on plots, apartments, villas, commercial projects etc. However, the real estate market is not as risk free as the fixed income market it is somewhat unpredictable as it depends upon various factors around the country though it is the perfect way to park your savings with a long-term perspective. Commodities In this type of asset market, it ranges from goods that can be traded for instance Gold, silver, bronze, food crops, petroleum etc. This asset class is not meant for long term investment. The prices here vary with the law of supply and demand. Cash and cash equivalents This kind of asset class is also known as money market instruments. It is basically the idle money that is lying in the investors savings account. In this asset class the investor has transactional freedom as cash is lying idle in the savings account. This is mainly for investors who are scared to invest in the other asset classes. However, in the current scenario it cannot beat the inflation rate. Derivatives This type of financial asset has no value of its own. In this finance asset the price of the asset depends upon the underlying asset and there is high fluctuation. The underlying assets are usually equity shares, bonds etc. Alternative Investments This type of financial asset is not considered to be a part of the typical asset classes of stocks, bonds, debts etc. This type has a complex structure and various restricted rules. This kind of an asset is usually held by high net individuals as this asset class yields high profits. Hedge funds cryptocurrencies are a few examples of this asset class. MARKET SIZE The Indian consumer durables market is divided into urban and rural segments, and it is drawing international marketers. A big middle class, a relatively large affluent class, and a tiny poor class make up the sector. India is seen by multinational organizations as one of the primary markets from which future development would likely arise. A favorable population composition and rising disposable income would be the primary drivers of India's consumer market expansion. There are a few markets such as : Labor market Money market Commodity market Capital market Labor market: In India the labor market known for it being very cheap, the country also has English speaking highly qualified workers. These highly qualified workers in the country makes it the most attractive location for multi nationals to set up their offices .There are three segments in the labor market primary, secondary, territory. Money market: India as country deals more with borrowing and lending of its funds. The money market of this country depends upon several factors Commodity market: This market consists of exchange of goods comprising from wheat to silver and gold etc. Capital market: In this market, it deals with the assets of the country. In this market all companies whether private or government can raise funds it is upon them the funds can be short term or long term. This market consists of the bond market and the capital market. INDIAN MARKET GROWTH India s current GDP at current is expected to be around 232.15 trillion. Currently, while worldwide financial uncertainty clouds the picture, the World Bank predicts that India's GDP will rise by 7.4% in 2016–17, making it the world's fastest-growing big economy. In terms of growth potential, India also outperforms other rising markets. The country has a bright long-term future, thanks to a consuming class that is predicted to more than triple in size by 2025, to 89 million families. Liberalization has opened up new possibilities. The issue for policymakers is to manage growth in such a way that it establishes a foundation for long-term economic performance. Despite significant progress, India's transition into a worldwide economic powerhouse has yet to properly benefit all of its residents. There is a huge unmet need for essential amenities like water and sanitation, energy, and health care, for example, and red tape makes doing business difficult. Many of these issues have been addressed by the government, and the rate of change could go up in the future years if some efforts gain traction. Despite the fact that India's manufacturing sector lags behind China's, there will be significant chances to invest in value-adding enterprises and generate jobs. India's allure to potential investors will go beyond its low-cost labour: local manufacturers are creating competitive firms in order to tap into the enormous and rising domestic market. Further reforms and improvements in public infrastructure could make it simpler for all types of manufacturing enterprises, both foreign and Indian, to scale up and become more efficient. India will gain from twelve powerful technologies that will assist to increase production, improve efficiency across major areas of the economy, and drastically alter the delivery of services such as education and healthcare. According to our analysis, these technologies could add $550 billion to $1 trillion in economic value per year by 2025, potentially creating millions of well-paying, productive jobs (including positions for people with a moderate level of formal education) and allowing millions of Indians to live comfortably. Efforts by the public sector to address the five areas are now underway. India's ranking on the World Economic Forum's Global Competitiveness Report improved to 55 in 2015–16, up from 71 the year before. Officials are working to make the government more efficient by implementing technologies that can bypass typical infrastructural constraints. Aadhaar, the world's largest digital-identity programmed and a powerful platform for providing benefits directly to the needy, has now been registered by one billion Indian people. INDIAN REGULATORY CONSIDERATIONS According to the SEBI Act of 1992, SEBI is the primary regulator for all funds, asset management, and advising operations in India (SEBI Act). However, it is important to note that foreign investment and exchange control are regulated by the central government and the Reserve Bank of India (RBI), India's central bank established under the RBI Act, 1934. While the SEBI, RBI, and central government realms are generally defined, if there is a cross-border element, a regulated entity's activities may be reviewed by numerous regulators. An AIF, according to the AIF Regulations, is a privately pooled investment vehicle established in India that raises funds from investors and invests according to a defined investment philosophy for the benefit of its investors. The AIF Legislation do not apply to funds governed by the CIS Regulations, the MF Regulations, or any other Indian regulator-issued regulations. AIFs do not apply to the following items, among others: Employee welfare/gratuity trusts, holding businesses, and family trusts While domestic or foreign investors can invest in an AIF, each must commit a minimum of 10 million rupees, and an AIF must raise a minimum of 200 million rupees (with angel funds authorized to have a minimum corpus of 50 million rupees) in commitments from its investors before it can begin operations. AIFs have been divided into three categories with the goal of separating investment criteria while also providing a framework for regulatory concessions, if any, that are or may be granted by the authorities: Venture capital funds (including angel funds), 'SME' funds, social venture funds, and infrastructure funds are among the sub-categories of Category I AIF. Category II AIF: This category contains funds that do not fall into either Category I or Category III and do not use leverage or borrowing for anything other than their day-to-day operations. This category usually includes private equity and debt funds. Funds that use a variety of or complex trading methods and may use leverage, as well as listed focused funds, fall into this group. In India, mutual funds must be incorporated as trusts. The MF Regulations outline the qualifying requirements as well as the rights and responsibilities of the sponsor, trustee, manager, and custodian, as well as the wording of the trust deed and management agreement. The MF Regulations also govern economics, such as dividend payment, redemptions, and valuation, and mandate fees, expenditures, and commissions payable to intermediaries, as well as mandate norms and caps. Mutual funds primarily cater to retail investors by obtaining money from the public through the sale of units in their schemes (with a few exceptions for private placement for specific types of schemes). Because mutual funds are retail goods, they are heavily regulated, and the offer document must be detailed and include substantial disclosures. The MF Regulations impose constraints on the manager's operation and governance, requiring at least 50% of its directors to be independent of the sponsor or trustee. In addition to the general standards, specialized mutual fund strategies such as real estate and infrastructure debt have specific needs that must be met. REITs and INVITs (iii) REITs and INVITs both went into effect on the same day, with the same goals, and the rules have remained largely the same. The units of the REIT or INVIT must be offered to the public via an offer document, which is scrutinized by SEBI. This paper usually contains a lot of information. REITs and INVITs are not allowed to invest in other REITs or INVITs. Any scheme or arrangement in which investor contributions are pooled with the goal of making returns and the assets are managed on behalf of the investors is referred to as a CIS. In the 1990s, the CIS Regulations were enacted to prevent the rise of several unregulated private schemes. It is worth noting that the CIS regime has not been popular due to the associated constraints; there has only been one registration since 1999. The IA Regulations aim to regulate organizations that provide clients with investment advice and safeguard investors from mis-selling. In addition to the exemption for those only advising foreign customers, the IA Regulations exempt other regulated entities or those who provide advice incidental to their main activity from the necessity to get registration. The IA Regulations provide capital adequacy guidelines and other eligibility criteria to protect retail investors, including qualification and certification requirements that require designated personnel to complete NISM (National Institute of Securities Market) examinations. The Foreign Exchange Management Act of 1999, its subordinate regulations (the FEMA Regulations), and government and RBI circulars govern all foreign investment in India. Various aspects of foreign investment, such as entry methods, sectoral limits, and price rules, are governed by these regulations. The Foreign Exchange Management (Non-Debt Instruments) Rules, 2019 (the NDI Rules) were notified by the government on October 17, 2019, and they replaced the Foreign Exchange Management (Transfer of Issue of Security by a Person Resident Outside India) Regulations, 2017. Foreign investment in Indian AIFs is similarly governed by the NDI Rules. Offshore funds seeking to invest primarily in the unlisted space may choose to register as an FVCI under the FVCI Regulations because FVCIs receive certain benefits not available to FDI investors, such as free entry and exit pricing, exemptions from certain lock-in and public offer requirements, and a wide range of permissible instruments, including debt. However, this is limited to ten sectors, and investments outside of these must be made through FDI or one of the other avenues mentioned above. FVCIs, on the other hand, must meet specific investment criteria, including allocating at least 66.67 percent of their assets to unlisted equities or equity-linked securities. FVCIs are allowed to invest in both start-ups and established businesses. INDIAN ASSET DISTRIBUTION SYSTEM Indian asset distribution is varied into a lot of parts such as real estate , equities ,mutual funds etc. In the Indian market most of the people prefer to invest in the real estate market considering it to be a safe and a long term investment. The investors are moving towards the equities but at a very slow pace. INDIAN ASSET MANAGEMENT CURRENT TRENDS During the forecast period, the India Asset Management Market is anticipated to expand at a CAGR of roughly 14%. Out of the total assets in the business, the top 10 asset management companies (AMCs) in India own (AUM) worth INR24.46 trillion, or almost 80%. From INR23.59 trillion in November 2018 to INR26.94 trillion in November 2019, the assets handled by the Indian mutual fund industry have increased (based upon the average assets per month). The assets have increased by 14.21% since November 2018. The industry's yield (Total Expense Ratio) on AUM is expected to decline over time because of rising AUM and regulatory efforts to reduce costs for customers. The argument for sustained rise in profitability is made, however, by AUM growth with a favorable mix and continuing attention to enhancing operational effectiveness. The asset management sector in India has seen tremendous change in recent years. Individual investors have increased significantly and now account for roughly 58 percent of the AUM. With approximately 45 percent of the AUM now compared to 23 percent five years ago, equity has become a more prominent asset class. Increased penetration across the B15 cities, which now account for a significant portion of this shift. The India Asset Management Market is anticipated to expand at a CAGR of roughly 14% over the anticipated time frame. Out of the total assets in the sector, the top 10 asset management firms (AMCs) in India own (AUM) worth INR24.46 trillion, or over 80% of the market. From INR23.59 trillion in November 2018 to INR26.94 trillion in November 2019, the assets handled by the Indian mutual fund industry have increased (based upon the average assets per month). The assets have increased by 14.21% since November 2018. The industry's yield (Total Expense Ratio) on AUM is expected to decline over time as a result of rising AUM and regulatory efforts to reduce costs for customers. The argument for sustained rise in profitability is made, however, by AUM growth with a favourable mix and continuing attention to enhancing operational effectiveness. The asset management sector in India has seen tremendous change in recent years. Individual investors have increased significantly and now account for roughly 58 percent of the AUM. With approximately 45 percent of the AUM now compared to 23 percent five years ago, equity has become a more prominent asset class. This move has been significantly influenced by growing B15 city penetration, which now makes up about 25% of the AUM. The year 2021 was challenging for fixed-income investors as excessive central bank liquidity pushed real rates even farther into negative territory. As global central banks normalise their monetary policies and rates and credit spreads tighten, we anticipate a recovery in the fixed-income market in 2022. In order to get ready for a change in the credit market cycle, forward-thinking investors are using Acuity Knowledge Partners' (Acuity) global fixed-income research capabilities. In 2021, developed-market equities have done better than emerging-market equities. The underperformance in developing markets was principally brought on by the underwhelming performance of Chinese equities as a result of the government's crackdown on internet businesses and the country's struggling real estate market. As Chinese equities provide a tempting opportunity in terms of valuation, we anticipate this tendency to change in the future. The limited research coverage and quality, high cost of a trained talent pool, and language barriers to coverage of these markets from international financial centres make investing in Chinese shares difficult for foreign investors. Acuity's on-the-ground research capabilities (more than 150 analysts in China) are used by international asset managers and investment banks to foster innovation and efficiency in their investment research operations and maintain a sustainable business model. ASSET MARKET IN OTHER COUNTRIES Remittances under the Reserve Bank of India's Liberated Remittance Scheme (LRS), which was launched in 2004, have risen steadily in India because of rising income and wealth. The amount being transferred has suddenly increased at an astonishing growth rate of about 80% year over year. As opposed to capital account transactions, such as remittance for investments, which are the categories that predominate the composition of funds remitted, travel, education, and maintenance of close family. With the unrestricted flow of information about international markets in the modern era, investors have seen the potential for growth in other areas. Diversifying one's holdings geographically is now seen as a crucial component of creating a strong portfolio. While investing in international markets may be a novel financial strategy for most, one shouldn't stray from the fundamentals. A portfolio needs to be planned out while keeping in mind the standard factors like the industry. When it comes to international investing, the majority of Indian investors tend to favour equities. Over the past two decades, we have witnessed the domestic mutual fund market change as it developed into the favoured method for equities investors, particularly for retail and wealthy investors. We think passively managed exchange traded funds (ETFs) are a more effective strategy to invest in stocks when it comes to global investments. This route is very well-liked, especially when it comes to. When it comes to international investing, the majority of Indian investors tend to favour equities. Over the past two decades, we have witnessed the domestic mutual fund market change as it developed into the favoured method for equities investors, particularly for retail and wealthy investors. We think passively managed exchange traded funds (ETFs) are a more effective strategy to invest in stocks when it comes to global investments. This route is very well-liked, especially when it comes to. COMPARISON WITH GLOBAL MARKETS As the Sensex hit 59,000 for the first time on Thursday, India surpassed France to take over as the sixth largest stock market in the world. The equity market capitalization of the nation increased to $3.44 trillion, surpassing France's $3.39 trillion, which represents the total market value of all listed firms. India's market capitalization first surpassed $3 trillion in May. Indian shares have soared as retail money has poured in, especially given the lack of other high-yielding investment opportunities, while many markets have been hammered by the Delta variant's spread and worries about the US Fed slowing down asset purchases. In terms of performance among the top 15 largest markets in 2021, India is the best. Since January 1, FPIs have invested approximately Rs 59,000 cr in Indian shares, while DIIs have invested Rs 22,600. The fascinating thing about US stocks is that since so many businesses have operations across the world but are listed there, you have exposure to both the US and the rest of the world. The many benefits offered by investment prospects in the US market are highlighted by Viram Shah, co-founder and CEO of Vested Finance, in this statement. Equities plummeted together globally as a result of the current coronavirus pandemic, with declines of between 20 and 30 percent. Investment diversification would have been advantageous and effective at this time. The S&P 500 had already made up all of its losses brought on by the coronavirus by June 8th, 2020. Meanwhile, the Sensex was still down 17%. The currency you use for trading and investing can have a big impact on your portfolio, both positively and negatively. When it comes to investing in US markets, they are crucial. Consider the Indian Rupee, which has consistently lost value in comparison to the US Dollar. This is a significant disadvantage because all investments made in Indian markets are made in INR, which causes their value to decrease over time. The dollar has gained 6 percent against the rupee only this year. The American Dollar is one of the main benefits of investing in US markets. Your investments grow in value along with it, even if your portfolio as a whole does not. The US markets continue to be home to all major firms that are leading their fields with new services while the Indian startup environment has been thriving. Since Indian law requires three years of continuous profits before a firm can go public, investors in India are unable to participate in growth stories at home. Most Indian investors are effectively barred from taking advantage of the chance to demonstrate their belief in novel business models because the story of many companies is one of postponed earnings for growth and market share. The US, however, has relatively flexible restrictions, making it possible for investors from throughout the world to follow the development of numerous creative models. Uber, Amazon, Tesla, and Facebook are just a few It is true that participating in two markets would necessitate consideration of two economic systems as well as numerous other external factors that affect these markets. This task may seem overwhelming and time-consuming to the ordinary investor. Some people might perceive declining returns in this endeavour and be willing to forsake the chance of greater riches in favour of putting forth less effort. By using ETFs to invest in US markets, which reduce risk through diversification, this issue may be allayed. However, for the typical investor, Indian markets still hold a little advantage in this area. Yes, the US and Indian markets each have advantages. But it's simple to understand how US markets show more promise in a contemporary investing environment with access to the global market. This is partly a result of their personality and love for other countries, as well as the fact that some of the most promising businesses in the world are based there. There is no doubt that the Indian market should continue to make up a sizeable portion of an investor's portfolio, but the US also makes a compelling case for inclusion in the portfolio of Indian investors. There has been a huge interest in investing in US equities due to the increase in retail investors wishing to participate in the stock market. The numerous stock markets around the world are examined in this article. Additionally, we look at a few crucial aspects to take into account before making an investment on the global stock market. But sadly for investors, they had to deal with a number of restrictions that are built into the stock market. The Indian stock markets have developed to become not only one of the largest but also one of the most sophisticated markets in the world as a result of numerous scams. The National Stock Exchange (NSE) and the Bombay Stock Exchange are the two principal stock exchanges in India (BSE). But these stock exchanges have started operating internationally. The Indian stock market is regarded as an emerging market and is popular among investors due to its potential to present promising growth possibilities. For a variety of factors, including maturity, low volatility, and returns, other stock markets around the world can be favoured. Most inexperienced investors diversify their stock portfolios among asset classes, market capitalizations, and industries. However, fortunately, in 2021, investors can diversify between nations, providing them access to various stock markets. The main motivation for diversifying one's investments across markets and nations has been to safeguard one's portfolio from hazards unique to one's own country as well as other regional calamities. Markets in India might be negatively impacted by changes to the political and economic landscape. Investors are shielded from these dangers by spreading their money across other markets. The currency and its corresponding exchange rates are another aspect to consider while investing in global markets. It is no secret that the value of the Indian rupee relative to the US dollar has been steadily declining for many years. To benefit from the profits earned as the Indian rupee declines, it would make sense to invest in American money. But by stepping it up a notch and purchasing US stocks, investors can gain even more from this approach. As a result, you can benefit from dividends, the growth of your assets through American enterprises, and the strengthening of the US dollar. Today, we have access to a wide range of goods and services because to globalisation. When it comes to equities, this is also obvious. One can go ahead and purchase stock in the company from India instead of just drinking Coke and Pepsi. Investors have access to global juggernauts on the US market, which makes certain Indian market leaders resemble midcap equities. However, this is not just applicable to blue-chip stocks. Before being permitted to list on the stock market in India, entrepreneurs must first demonstrate proof of three years of profitability due to the regulatory climate there. Comparatively speaking to their international counterparts, Indian marketplaces are recognised to have stricter laws and restrictions. In the US, these rules are more permissive, enabling investors to follow the development of an inventive firm. A lot of research must be done before making the decision to invest or not. Indian investors have access to a wealth of research and are familiar with the market's operations and trends. Investing in international markets increases the amount of study necessary, and investors must adjust to other markets. Investors now need to study several economies. On the other hand, traders must also adjust to the timings. As a result, investing in the global stock market requires much more research and work. Every stock market in the world has its own advantages and disadvantages, as well as investors, when it comes to investing. Before making an investment in a foreign market, investors must take these factors into account. You can invest in US equities using a variety of apps, like Groww, Vested, etc. Before entering the global stock market, we hope this essay has given you a better understanding. Previous Next

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