Mayank Jindal - Academia.edu (original) (raw)

Papers by Mayank Jindal

International Journal of Engineering and Management Research, 2021

Primary Agriculture Credit Society is a basic unit and smallest cooperative credit institution in... more Primary Agriculture Credit Society is a basic unit and smallest cooperative credit institution in India. It works on the grass-root level (gram panchayat and village level). Primary Agriculture Credit Society is formed at the village or town level. It is the old cooperative credit system of India. Primary Agriculture Credit Society was designed to be a village-level credit society into which the farmers brought in share capital, deposits, and provide loans to each other. This study aims to assess the Awareness of Farmers about the Primary Agricultural Credit Societies with Special Reference to Uttar Pradesh and Uttarakhand. 58% of farmers know about primary agriculture credit societies and this study will useful for the rural areas policymakers and this study will also useful for many other stakeholders.

International Journal of Engineering and Management Research, 2020

Demonetisation is an act of cancelling the legal tender status of a currency unit. It is a proces... more Demonetisation is an act of cancelling the legal tender status of a currency unit. It is a process when the government pulled out a unit of currency from the total circulation of the economy. The concept of demonetisation is not new, at first French used demonetisation then after most of the countries has adopted demonetisation to clean up the economy from corruption and inflation. India has adopted demonetisation three times: At first in January 1946 when RBI demonetised Rs. 1000 and Rs. 10000 currency notes. and again in 1978 by Moraji Desai of Rs. 1000, 5000, 10000 banknotes were demonetised and both demonetisation were held to eradicate black money. But the term Demonetisation became familiar on 8 November 2016 when P.M. Mr Narendra Damodar Das Modi announced Rs.500 and Rs.1000 currency notes will be no longer as legal tender status from the past midnight to unearth the corruption, black money and terror funding. Therefore this research paper is an attempt to throw the light on effect of demonetisation launched by NDA Government.

INTERNATIONAL RESEARCH JOURNAL OF COMMERCE, ARTS AND SCIENCE, 2020

Uttarakhand is a place of fulfilling the dreams for mountaineers, travelers, foodies and many loc... more Uttarakhand is a place of fulfilling the dreams for mountaineers, travelers, foodies and many local people who enjoy the beauty of its Himalayan region. Other local people must continue to stay here but presently Uttarakhand suffers from the outward Migration problem. A lot of scopes are there for them to earn money as there is a lot of varieties of flowers, food and the many types of natural beauty sites exist only in Uttarakhand. In this era of the digital world, nursery gardeners can make their YouTube pages and can advertise their different varieties of flowers and able to deliver and sell them online at a profitable price. Frank S. Smyth and R.L. Hold worth who incidentally reached Valley of flowers after a successful expedition of Mount Kamet in 1931 and fascinated by its beauty and grandeur Frank S. Smyth revisited this area in 1937 and published a book named "The Valley of Flowers" (1938). At present, the valley enjoys the privileges of a UNESCO world heritage site. This paper investigates about the human migration from rural areas of Uttarakhand to other suitable urban places and this paper also studies the digital market of flowers and vegetation found in Uttarakhand.

International Journal of Engineering and Management Research, 2020

Covid-19 is a virus developed in 2019 from the corona family virus. It is spreading across the wo... more Covid-19 is a virus developed in 2019 from the corona family virus. It is spreading across the world since Dec 2019 by the close contact of an infected person or fomites of Covid-19. It developed naturally in Wuhan (An State of China) or possibly develop by China research center "Wuhan Institute of Virology". It is spreading very fast across the world. World Health Organization and most countries including India it has declared a pandemic. People can protect themselves by this pandemic by maintaining social distance. But the basic need (Food and Medicine) is important for continuo their life and in it the transfer of money plays an important role. Online banking can make the transaction through an electronic basis without the exchange of any tangible commodity with maintaining social distance. Online banking is the modern concept of banking in which people can do some banking activities (like Transfer cash transfer and in the account, Check Bank Balance, Payment of Bills, Phone recharge and etc.) through using the Internet in their phone, computer. One of the most important features of online banking is that it can totally operate electronically basis without the exchange of any tangible commodity and it has made it an important tool to protect from the pandemic. The purpose of this study is to assess the contribution of online banking to stop the pandemic of Covid-19. A survey has been done to achieve the objectives of this paper. It is found that online banking playing an important role in the Covid 19 period to protect the people. People felt completely safe from the COVID 19 virus in the online payment of bills and recharge of prepaid mobiles and dish T.V.

International Journal of Engineering and Management Research, 2019

Finance is the energy of every business whether it is profit making or loss-making business and f... more Finance is the energy of every business whether it is profit making or loss-making business and finance are required. Economy grows with the developing people of his country. There is no way to grow the country economy without financial growing of his resident peoples and banking sector play a major role to provide financial services. Banks play a major role in the growth of the economy by providing their services. Customer satisfaction is essential for the future growth of both bank and country economy growth also. This study made to determine customer satisfaction level on banking services. This study based on primary data. Primary data collected through questionnaire. The questionnaire collected from 50 peoples in Kumoun region specially in Haldwani urban area. All types of people included in sample collection Students, Employees, Self Employees, and retired persons. To assess customer satisfaction used the pre-tested five points Likert's scale test. On the basis of the analysis, it is concluded that the customer service satisfaction level of banks is 73.80%.

Dogo Rangsang Research Journal, 2021

Demonetization is a process by which certain denominations of banknotes ceased by the government ... more Demonetization is a process by which certain denominations of banknotes ceased by the government as legal tender. It is the strongest policy that use against undeclared income and corruption to reform the financial system in which the banking sector performs as the backbone to execute these policies in the economy. Hence, the financial soundness of a bank is crucial not only to its depositors but is equally significant to the entire economy. The present study is an attempt evaluates the performance of the top three public sector banks (SBI, PNB, BOB) and top three private sector banks (HDFC, ICICI, Axis) using the CAMEL rating system. The entire study is based on secondary data extracted from the financial statements of respective banks for the period of (2014-2019) pre and post demonetization. Ultimately, this research paper indicates less difference in the performance of public and private sector banks for pre and post demonetization on the parameter of CAMEL ratios.

SHODH SANCHAR, 2021

Bank is a financial institution that plays such a vital role to channelize the smooth flow of fin... more Bank is a financial institution that plays such a vital role to channelize the smooth flow of finance in the economy for which their earning capability is the most important element to ensure about financial soundness and long-term survival of banks. Earning and profitability are the main source to increase the capital base of an institution that can be measured by Net Interest Margin, and return on assets (ROA). So, due to increased competition in the Indian banking snnario it becomes essential to evaluate their earning quality for which in the present study, total six banks, three public sector (SBI, PNB BOB) and three private sectors (HDFC, ICICI, Axis) have been selected for the five financial years from (2016-2020). The study reveals that among the selected banks, the earning quality of private sector banks is better than selected public sector banks.

SHODH MANTHAN, 2019

The bank is a financial service institution established with two basic objectives one accepting d... more The bank is a financial service institution established with two basic objectives one accepting deposits and the second provide loans. Bank provides services to its customers and customer satisfaction is essential for the future growth of banks. The customer is standing in line to for wait his number because all banks have a waiting lines on mostly counters. It is create workload on workers of bank and workload negatively change the behaviour of bank staff and waiting line also create negative behaviour of customers also create unsatisfaction of customer from services. On the basis of the analysis, it is concluded that the customer service satisfaction level of Public sector banks is 70.40% and customer service satisfaction level of private sector banks is 75.60%. There is a 5.2% difference in customer satisfaction of private and public sector banks. Private sector bank provides more satisfaction level of services to its customers in comparison of public sector banking.

SHODH SARITA, 2020

Purpose: State Bank of India and Punjab National Bank both are the top two biggest public banks f... more Purpose: State Bank of India and Punjab National Bank both are the top two biggest public banks facing the high workload in their branches. The purpose of this study is to assess the service quality of these banks through customer perception. Research Methodology: 94 well-filled questionnaires are collected from bank customers of Uttarakhand, Uttar Pradesh, Delhi and Haryana. Annual reports of these banks are also analyzed. ANOVA test has been used for testing of Hypotheses. Study is done during the June and July 2020. Research Implications: This research is useful for the RBI, bank policymakers, and bank managers to improve service quality. Customers can single out preferable services providing bank. Investors can make a view for the growth of the bank company. Findings: Results shows that the overall Service Quality of banks is good and more than the ¾ of overall service quality but some problems are exit. PNB Customers are more satisfied than SBI customers.

SHODHMANTHAN, 2019

Bank is a financial service institution established with two basic objectives ones accepting depo... more Bank is a financial service institution established with two basic objectives ones accepting deposits and second provide loans. Bank provides services to its customers and customer satisfaction is essential for future growth of bank. Customer is standing on line for wait his number because all banks have waiting line on mostly counter. It is create work load on workers of bank and work load negatively change the behavior of bank staff and waiting line also create negative behavior of customers also create unsatisfaction of customer from services. On the basis of the analysis, it is concluded that the customer service satisfaction level of Public sector banks is 70.40% and customer service satisfaction level of private sector banks is 75.60%. There is 5.2% difference of customer satisfaction of private and public sector bank. Private sector bank provides more satisfaction level of services to its customers in comparison of public sector banking.

International Journal of Engineering and Management Research, 2021

Primary Agriculture Credit Society is a basic unit and smallest cooperative credit institution in... more Primary Agriculture Credit Society is a basic unit and smallest cooperative credit institution in India. It works on the grass-root level (gram panchayat and village level). Primary Agriculture Credit Society is formed at the village or town level. It is the old cooperative credit system of India. Primary Agriculture Credit Society was designed to be a village-level credit society into which the farmers brought in share capital, deposits, and provide loans to each other. This study aims to assess the Awareness of Farmers about the Primary Agricultural Credit Societies with Special Reference to Uttar Pradesh and Uttarakhand. 58% of farmers know about primary agriculture credit societies and this study will useful for the rural areas policymakers and this study will also useful for many other stakeholders.

International Journal of Engineering and Management Research, 2020

Demonetisation is an act of cancelling the legal tender status of a currency unit. It is a proces... more Demonetisation is an act of cancelling the legal tender status of a currency unit. It is a process when the government pulled out a unit of currency from the total circulation of the economy. The concept of demonetisation is not new, at first French used demonetisation then after most of the countries has adopted demonetisation to clean up the economy from corruption and inflation. India has adopted demonetisation three times: At first in January 1946 when RBI demonetised Rs. 1000 and Rs. 10000 currency notes. and again in 1978 by Moraji Desai of Rs. 1000, 5000, 10000 banknotes were demonetised and both demonetisation were held to eradicate black money. But the term Demonetisation became familiar on 8 November 2016 when P.M. Mr Narendra Damodar Das Modi announced Rs.500 and Rs.1000 currency notes will be no longer as legal tender status from the past midnight to unearth the corruption, black money and terror funding. Therefore this research paper is an attempt to throw the light on effect of demonetisation launched by NDA Government.

INTERNATIONAL RESEARCH JOURNAL OF COMMERCE, ARTS AND SCIENCE, 2020

Uttarakhand is a place of fulfilling the dreams for mountaineers, travelers, foodies and many loc... more Uttarakhand is a place of fulfilling the dreams for mountaineers, travelers, foodies and many local people who enjoy the beauty of its Himalayan region. Other local people must continue to stay here but presently Uttarakhand suffers from the outward Migration problem. A lot of scopes are there for them to earn money as there is a lot of varieties of flowers, food and the many types of natural beauty sites exist only in Uttarakhand. In this era of the digital world, nursery gardeners can make their YouTube pages and can advertise their different varieties of flowers and able to deliver and sell them online at a profitable price. Frank S. Smyth and R.L. Hold worth who incidentally reached Valley of flowers after a successful expedition of Mount Kamet in 1931 and fascinated by its beauty and grandeur Frank S. Smyth revisited this area in 1937 and published a book named "The Valley of Flowers" (1938). At present, the valley enjoys the privileges of a UNESCO world heritage site. This paper investigates about the human migration from rural areas of Uttarakhand to other suitable urban places and this paper also studies the digital market of flowers and vegetation found in Uttarakhand.

International Journal of Engineering and Management Research, 2020

Covid-19 is a virus developed in 2019 from the corona family virus. It is spreading across the wo... more Covid-19 is a virus developed in 2019 from the corona family virus. It is spreading across the world since Dec 2019 by the close contact of an infected person or fomites of Covid-19. It developed naturally in Wuhan (An State of China) or possibly develop by China research center "Wuhan Institute of Virology". It is spreading very fast across the world. World Health Organization and most countries including India it has declared a pandemic. People can protect themselves by this pandemic by maintaining social distance. But the basic need (Food and Medicine) is important for continuo their life and in it the transfer of money plays an important role. Online banking can make the transaction through an electronic basis without the exchange of any tangible commodity with maintaining social distance. Online banking is the modern concept of banking in which people can do some banking activities (like Transfer cash transfer and in the account, Check Bank Balance, Payment of Bills, Phone recharge and etc.) through using the Internet in their phone, computer. One of the most important features of online banking is that it can totally operate electronically basis without the exchange of any tangible commodity and it has made it an important tool to protect from the pandemic. The purpose of this study is to assess the contribution of online banking to stop the pandemic of Covid-19. A survey has been done to achieve the objectives of this paper. It is found that online banking playing an important role in the Covid 19 period to protect the people. People felt completely safe from the COVID 19 virus in the online payment of bills and recharge of prepaid mobiles and dish T.V.

International Journal of Engineering and Management Research, 2019

Finance is the energy of every business whether it is profit making or loss-making business and f... more Finance is the energy of every business whether it is profit making or loss-making business and finance are required. Economy grows with the developing people of his country. There is no way to grow the country economy without financial growing of his resident peoples and banking sector play a major role to provide financial services. Banks play a major role in the growth of the economy by providing their services. Customer satisfaction is essential for the future growth of both bank and country economy growth also. This study made to determine customer satisfaction level on banking services. This study based on primary data. Primary data collected through questionnaire. The questionnaire collected from 50 peoples in Kumoun region specially in Haldwani urban area. All types of people included in sample collection Students, Employees, Self Employees, and retired persons. To assess customer satisfaction used the pre-tested five points Likert's scale test. On the basis of the analysis, it is concluded that the customer service satisfaction level of banks is 73.80%.

Dogo Rangsang Research Journal, 2021

Demonetization is a process by which certain denominations of banknotes ceased by the government ... more Demonetization is a process by which certain denominations of banknotes ceased by the government as legal tender. It is the strongest policy that use against undeclared income and corruption to reform the financial system in which the banking sector performs as the backbone to execute these policies in the economy. Hence, the financial soundness of a bank is crucial not only to its depositors but is equally significant to the entire economy. The present study is an attempt evaluates the performance of the top three public sector banks (SBI, PNB, BOB) and top three private sector banks (HDFC, ICICI, Axis) using the CAMEL rating system. The entire study is based on secondary data extracted from the financial statements of respective banks for the period of (2014-2019) pre and post demonetization. Ultimately, this research paper indicates less difference in the performance of public and private sector banks for pre and post demonetization on the parameter of CAMEL ratios.

SHODH SANCHAR, 2021

Bank is a financial institution that plays such a vital role to channelize the smooth flow of fin... more Bank is a financial institution that plays such a vital role to channelize the smooth flow of finance in the economy for which their earning capability is the most important element to ensure about financial soundness and long-term survival of banks. Earning and profitability are the main source to increase the capital base of an institution that can be measured by Net Interest Margin, and return on assets (ROA). So, due to increased competition in the Indian banking snnario it becomes essential to evaluate their earning quality for which in the present study, total six banks, three public sector (SBI, PNB BOB) and three private sectors (HDFC, ICICI, Axis) have been selected for the five financial years from (2016-2020). The study reveals that among the selected banks, the earning quality of private sector banks is better than selected public sector banks.

SHODH MANTHAN, 2019

The bank is a financial service institution established with two basic objectives one accepting d... more The bank is a financial service institution established with two basic objectives one accepting deposits and the second provide loans. Bank provides services to its customers and customer satisfaction is essential for the future growth of banks. The customer is standing in line to for wait his number because all banks have a waiting lines on mostly counters. It is create workload on workers of bank and workload negatively change the behaviour of bank staff and waiting line also create negative behaviour of customers also create unsatisfaction of customer from services. On the basis of the analysis, it is concluded that the customer service satisfaction level of Public sector banks is 70.40% and customer service satisfaction level of private sector banks is 75.60%. There is a 5.2% difference in customer satisfaction of private and public sector banks. Private sector bank provides more satisfaction level of services to its customers in comparison of public sector banking.

SHODH SARITA, 2020

Purpose: State Bank of India and Punjab National Bank both are the top two biggest public banks f... more Purpose: State Bank of India and Punjab National Bank both are the top two biggest public banks facing the high workload in their branches. The purpose of this study is to assess the service quality of these banks through customer perception. Research Methodology: 94 well-filled questionnaires are collected from bank customers of Uttarakhand, Uttar Pradesh, Delhi and Haryana. Annual reports of these banks are also analyzed. ANOVA test has been used for testing of Hypotheses. Study is done during the June and July 2020. Research Implications: This research is useful for the RBI, bank policymakers, and bank managers to improve service quality. Customers can single out preferable services providing bank. Investors can make a view for the growth of the bank company. Findings: Results shows that the overall Service Quality of banks is good and more than the ¾ of overall service quality but some problems are exit. PNB Customers are more satisfied than SBI customers.

SHODHMANTHAN, 2019

Bank is a financial service institution established with two basic objectives ones accepting depo... more Bank is a financial service institution established with two basic objectives ones accepting deposits and second provide loans. Bank provides services to its customers and customer satisfaction is essential for future growth of bank. Customer is standing on line for wait his number because all banks have waiting line on mostly counter. It is create work load on workers of bank and work load negatively change the behavior of bank staff and waiting line also create negative behavior of customers also create unsatisfaction of customer from services. On the basis of the analysis, it is concluded that the customer service satisfaction level of Public sector banks is 70.40% and customer service satisfaction level of private sector banks is 75.60%. There is 5.2% difference of customer satisfaction of private and public sector bank. Private sector bank provides more satisfaction level of services to its customers in comparison of public sector banking.