Indian Banking Sector

This research investigates the online purchase behaviour of millennials and Gen Z residing in Ahmedabad and specifically focusing on non-branded apparel available on amazon. As e-commerce is continuously growing and reshaping the traditional approach of shopping, it is absolutely becoming necessary for retailers to know about consumer preferences. Ahmedabad, a heritage city full of culture and tradition, presents a unique approach to explore the fashion preference and buying habits of these generation. This study will become useful for retailers and marketers not only operating in Ahmedabad but anywhere. The research employs a quantitative method that is google form fill up for the research study among millennials and Gen Z. This quantitative approach will give answer to question like online apparel purchase, preferred product categories, prices and discount, product reviews, factors influencing purchase decision and overall satisfaction of using amazon platform. It will also shed light on some key areas such as primary factors influencing buying like price, affordability, convenience, variety and trend. Followed by preference like virtual try on tool, personalized recommendation and fast delivery being one of the most important factors. Social media influence is another key factor as this generation follows their lead in apparel shopping that to specifically for non-branded apparel. Sustainability is yet another key factor which needs to be taken into consideration. Finding of this research will give valuable insight on consumer behaviour, e-commerce, and online retailing with specific focus on millennials and Gen Z in Ahmedabad. By dissecting consumer purchase behaviour and preference for non-branded apparel option through amazon, the study will provide valuable guidance for retailers, marketers and policymakers to tailor their offering and marketing strategy to better serve the preference and expectation of these digitally savvy and influential market segment.
Keywords: Online Shopping, Non-Branded Apparel, Age

Non-performing Assets (NPAs) is considered as terrorism in banking sector. At present, Indian banking sector is facing difficult time due to increase in NPAs. Hence, there is a worry regarding continuous deterioration of asset quality in Indian banks. Hence, it is very vital for the banks to take efficient resolve techniques for recovering massive amount of NPAs in order to improve their financial performance. In view of the above, the present study made an attempt to understand the effectiveness of recovery channels for NPAs management. To study the same data is collected from secondary sources for 12 years. Based on simple descriptive statistics, the present study found that performance of IBC in recovering NPAs is commendable and most effective recovery channel as compared to DRTs, Lok Adalat, and SARFAEST Act. However, it is too early to draw conclusion on effectiveness of IBC in comparison with other above said recovery channels since it is functioning to recovery NPAs with effect from 2018.

Does Bank Rate, Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) affect the bank credit? This question always comes in the mind of researchers, economist, academicians, and policymakers and to get the answer to it, many research activities and projects are carried out by them. This study is also on the same line. The study intends to examine the impact of monetary policy on bank credit since reforms period. The study uses multiple regression models to test the selected banking variables by using the time series data collected from RBI. The study found that there is an inverse relationship between CRR and bank credit, SLR and bank credit but there is no association between bank rate by RBI and bank credit by the scheduled commercial banks in India since reforms period.