Paper Title

STATISTICAL STUDY OF HUMAN RISK ASSESSMENT OF NATURAL HAZARDS IN INDIA

Abstract

India is one of the most disaster-prone countries in the world due to its vast geographical, climatic, and demographic diversity. Natural hazards such as floods, earthquakes, droughts, landslides, and cyclones pose significant threats to lives, livelihoods, and infrastructure. This study provides a statistical analysis of human risk associated with natural hazards in India, using demographic, geographic, and socio-economic data. A composite risk index was developed to identify vulnerable regions, assess the effectiveness of preparedness strategies, and suggest policy interventions for sustainable disaster risk reduction.
KEYWORDS : Natural Hazards, Risk Assessment, Vulnerability Index, Disaster Management, Floods, Earthquakes, Cyclones, Drought, Human Exposure, Socioeconomic Risk, GIS Mapping, India, Risk Zonation, Statistical Analysis

Paper Title

THE ROLE OF FINANCIAL LITERACY IN EMPOWERING FEMALE INVESTORS

Abstract

It is essential to educate women about financial literacy in India, as this helps them make wise financial choices and adds to their economic independence. Despite being well documented, a substantial gender gap in financial literacy remains, impeding women\'s engagement in investment activities. Solutions such as Mahila Money, established by Sairee Chahal, offer microloans and financial services tailored for women entrepreneurs, working to close this gap. Rang De is another such platform, where co-founders, Smita Ramakrishna and Ramakrishna NK, have enabled credit through peer-to-peer micro-lending platforms, impacting access to credit and ensuring that women are not left out of the financial inclusion narrative. For this reason, initiatives like the Mann Deshi Mahila Sahakari Bank founded by Chetna Sinha are geared towards improving the financial literacy of rural women and equipping them with the skills required to manage finances properly. Such initiatives reinforce the importance of financial literacy as a key driver for enabling female investors in India, emphasizing the need for tailored educational workshops and supportive financial offerings that can address the gender financial literacy and participation gap.
KEYWORDS : financial literacy, female investors, India, Mahila Money, Rang De, Mann Deshi Mahila Sahakari Bank, financial inclusion, women entrepreneurs

Paper Title

ANALYSING THE FACTORS AFFECTING CONSUMER PERCEPTION ABOUT ONLINE FOOD ORDERING AND DELIVERY SERVICES

Abstract

In recent years, online food ordering and delivery services have transformed the food service industry globally, including in India. The proliferation of smartphones, increasing internet penetration, and the convenience offered by food delivery apps have significantly changed consumer behavior. This study explores and analyzes the various factors influencing consumer perception regarding online food ordering and delivery services. Key factors identified include Comprehensive Customer Experience, Digital Dining Experience, Sustainable Delivery Ecosystem, Digital Interface Suite, Localized Engagement, Value-Driven Online Preference, Offline Recommendations, and Time Constraints. Using primary data collected through structured questionnaires and analyzed using statistical techniques such as regression analysis, this research highlights the most influential factors shaping consumer preferences. The findings suggest that service quality, ease of use, promotional offers, sustainability, and delivery time substantially affect consumer perception and satisfaction.
KEYWORDS : Online Food Delivery, Consumer Perception, Service Quality, Digital Experience, India, Sustainability

Paper Title

“FINANCIAL MANAGEMENT OF PRIVATE SCHOOL TEACHERS IN SUMMER VACATION: A STUDY OF SELECT SCHOOLS IN YADADRI BHUVANAGIRI DIST, TELANGANA STATE, INDIA.”

Abstract

Private school teachers, especially in low-income and developing countries, usually experience cash constraints during summer holidays since salary payments tend to be irregular or deferred. This research examines private teachers\' financial management patterns at this time of the year in terms of savings behaviour, secondary income streams, and degrees of financial pressure. A sample of 100 private school teachers of Bhongir Mandal, Yadadri Bhuvanagiri(d), Telangana, India., was surveyed through a structured questionnaire. The outcomes indicated that most of the teachers received no salaries during the summer holiday, which resulted in increased economic stress. Teachers who had regular savings and took up extra activities like tutoring or freelance work showed less stress and improved financial performance. The research emphasizes the need for economic literacy and help from institutions to enhance the economic resilience of private teachers. The research suggests policy measures focusing on ensuring continuity of income and financial literacy among private school teachers.
KEYWORDS : Private teachers, financial management, summer vacation, stress, work life balance.

Paper Title

EVALUATION OF ADMINISTRATIVE POLICIES AND THEIR IMPACT ON OPERATIONAL EFFICIENCY IN THE MANUFACTURING UNIT OF AUTOLINE INDUSTRIES

Abstract

This study examines how administrative policies affect operational efficiency in the manufacturing unit of Autoline Industries, a key player in India\'s auto components sector. The research focuses on policies related to shift management, resource planning, employee supervision, documentation flow, and decision-making protocols. A mixed-methods approach—comprising employee surveys, workflow analysis, and KPI data review—was adopted. Findings show that streamlined administrative practices directly contribute to improved resource utilization, reduced production delays, and enhanced coordination. Conversely, unclear communication and outdated documentation protocols were found to hinder performance. The paper concludes with recommendations for policy restructuring to support greater efficiency and productivity.
KEYWORDS : Administrative Policies, Operational Efficiency, Manufacturing Management, Autoline Industries, Workflow Optimization

Paper Title

EFFECTIVENESS OF TRAINING AND DEVELOPMENT PROGRAMS ON SKILL ENHANCEMENT AND EMPLOYEE RETENTION AT AUTOLINE INDUSTRIES

Abstract

This research explores the effectiveness of training and development (T&D) programs on skill enhancement and employee retention within the manufacturing unit of Autoline Industries. In a highly competitive automotive sector, continuous learning and skill upgrading are vital for operational efficiency and workforce stability. This study uses a mixed-methods approach, incorporating employee surveys, HR records, and training feedback forms. Results indicate a strong positive relationship between training participation and perceived skill development, along with a moderate impact on retention. Employees who underwent regular training reported higher job satisfaction and intention to stay. The study recommends periodic skill audits, personalized training modules, and long-term learning incentives to strengthen employee engagement and reduce attrition
KEYWORDS : Training and Development, Skill Enhancement, Employee Retention, HR Practices, Autoline Industries ________________________________________

Paper Title

SUSTAINABLE CHANGES AND CHALLENGES FOR LAND USE PATTERN & IMPACT OF PERI URBAN

Abstract

The rise of peri-urban areas is challenging traditional planning that relies on the urban-rural divide. The social and physical environment in peri-urban areas is altered by the interactions of dynamic processes. In the global south, peri-urban dynamics and the corresponding social and environmental change have created significant obstacles for the development of sustainable transportation. Rapid motorization in peri-urban areas, migration, low-density urban expansion, and economic growth all contribute to a change in travel habits that are less environmentally friendly. To achieve a sustainable transportation infrastructure, it is advised to implement an integrated land-use and transportation planning strategy. A deeper comprehension of peri-urban dynamics and how they relate to travel behavior is necessary for the successful execution of such a plan in peri-urban locations. However, comparatively little research has been done on the morphology of cities in peri-urban areas and the relevant changes in travel habits in the global south. Using Hyderabad, India as a case study, this study investigates how travel habits have changed in a peri-urban environment. The studied area has rapidly undergone peri-urban transition in recent years. Furthermore, migration and wealth growth have altered the region\'s demographic and socioeconomic makeup. In order to collect data regarding past and present travel habits, a questionnaire survey was conducted in this region. The findings demonstrate that the respondents\' commute to work has considerably decreased. The percentage of walks and two-wheeler rides has gone up. The majority of responders, however, take shared autorickshaws.
KEYWORDS : Peri-urban, urban-rural, migration, urban morphology, socio-economic compositions.

Paper Title

ASSESSING THE IMPACT OF VIRTUAL COURTS ON JUDICIAL EFFICIENCY AND ACCESS TO JUSTICE: A POST-COVID STUDY IN DELHI & NCR

Abstract

This paper investigates the long-term implications of the digitization of courts in Delhi and NCR following the COVID-19 pandemic. While much of the existing discourse highlights the temporary shift to virtual courtrooms, this research evaluates the structural, functional, and societal impacts of such a transformation. The study explores how virtual courts have influenced judicial efficiency, transparency, legal aid, and equity in access to justice. By analyzing post-COVID legal data, court outputs, and stakeholder responses, the paper offers insights into whether this transition has led to systemic reform or temporary adaptation.
KEYWORDS : Judicial Efficiency, Virtual Courts, Legal Aid, Post-COVID Judiciary, Delhi, NCR, Access to Justice, E-Courts

Paper Title

FROM UNITED ANDHRA TO DIVIDED STATES: THE ROLE OF REGIONAL PARTIES IN THE FORMATION OF TELANGANA

Abstract

The Andhra Pradesh bifurcation in 2014 to form the new territory of Telangana is a turning point in the political history of India that is based on historical grudges and regional desires. In this paper, the study will state how regional political parties, especially the Telangana Rashtra Samithi (TRS), played a critical role in influencing the emotions of the people and fuelling the demand to become a separate state. By operating through grassroots movements and dynamic use of social media, the TRS will bring form to the economic neglect and cultural marginalization of the Telangana region that it faced, turning the local discontent into a powerful political phenomenon. Andhra Pradesh Reorganization Act: Legislative actions that took place after a long period of agitation by the people concluded with this act, which solved the contentious issues involving resource distribution and governance. Although economic boom and regional prosperity have been significant in Telangana after bifurcation, other issues on how resources should be shared remain, in particular, in residual Andhra Pradesh. This paper presents research on the relationship existing between the regional aspirations and the national governance, using the interpretation of the socio-economic pointers and the policy implications on this relationship. The Telangana movement is an important case study in the way federalism and regionalism are functioning in India in the present context, as it may be seen how the local grievances can provide fodder for the greater political project.
KEYWORDS : Telangana, Andhra Pradesh, Regional Parties, Telangana Rashtra Samithi, Statehood Movement, Federalism, Public Sentiment, Socio-economic, Implications, Political dynamics

Paper Title

ANALYSIS OF FINANCIAL HEALTH OF SELECT PRIVATE SECTOR BANKS

Abstract

The present study explores the financial health of selected private sector banks in India, focusing on their performance during a critical period of banking sector reforms and economic changes. The research emphasizes key financial indicators to evaluate the stability and profitability of these institutions over a defined period. The main objective of the study is to assess the financial soundness of selected private sector banks using various financial ratios such as Capital Adequacy Ratio, Net Profit Margin, Return on Assets, and Non-Performing Assets (NPA) ratios. The study aims to compare and interpret the financial performance of these banks to highlight their strengths and weaknesses. The purpose of the study is to provide meaningful insights to policymakers, investors, and stakeholders regarding the financial position and sustainability of private sector banks. The analysis is based on secondary data extracted from annual reports and RBI privateations. The findings indicate that while some banks demonstrate sound capital adequacy and profitability, others struggle with high NPAs and inconsistent performance. The financial health across banks is not uniform, showing the need for targeted reforms. In conclusion, the study suggests that continuous monitoring and policy support are essential for enhancing the financial robustness of private sector banks in India.
KEYWORDS : Private Sector Banks, Financial Health, Financial Performance, Profitability

Paper Title

A COMPREHENSIVE ANALYSIS OF NON-PERFORMING ASSETS UNDER PRIORITY SECTOR ADVANCES IN INDIA

Abstract

The causes that affect non-performing assets (NPAs), hinder its effective observance, and recommends appropriate measures to ensure their effective monitoring and control. The banks selected for this research work are having higher NPAs and are top banks in their sector. As per the Global Financial Stability Report of International Monetary Fund, identifying and dealing with distressed assets, and recapitalizing weak but viable institutions and resolving failed institutions are stated as the two of the three important priorities which directly relate to NPAs. This research work finds the reasons for non-performing loans by considering a set of 50 variables and provides the necessary measures. Statistical tool SPSS was used to run the factor analysis test. Sectoral disparities in the NPA ratio to advances in public and private sector banks were the main source of motivation to analyze and compare factors affecting non-performing assets (NPAs) of public and private sector banks in India. Some of the reasons for NPA are lack of frequent interaction or follow-up with borrowers, manipulation of income or financial statement by borrowers, industrial problem and death of earning member of the family.
KEYWORDS : Non-Performing Assets, Profitability, Banks, Public Sector, Private Sector, Bank Credit

Paper Title

ORGANIC AGRICULTURE IN TELANGANA: SCOPE, CONSTRAINTS, AND THE ROAD AHEAD

Abstract

Organic agriculture has emerged as a sustainable alternative to conventional farming, offering benefits such as soil health preservation, biodiversity conservation, and reduced environmental impact. Telangana, with its diverse agro-climatic zones and strong agricultural base, presents significant potential for organic farming. This study explores the current landscape of organic agriculture in Telangana, assessing its scope, key constraints, and future prospects. The research draws from primary data collected through surveys and interviews with farmers, agricultural officers, and market stakeholders across multiple districts. It also integrates secondary data from government reports, NGOs, and published literature. The findings highlight a growing interest in organic farming practices, particularly among small and marginal farmers, due to increased consumer awareness and demand for chemical-free produce. However, the transition to organic farming in Telangana faces critical challenges, including limited access to certified organic inputs, inadequate training, lack of market linkages, and insufficient institutional support. Additionally, issues related to certification processes, fluctuating prices, and absence of a streamlined organic value chain hinder widespread adoption. This paper concludes by outlining policy recommendations and strategic interventions needed to enhance the viability of organic farming in Telangana. These include promoting farmer education, strengthening certification mechanisms, developing infrastructure for organic produce marketing, and fostering public-private partnerships. By addressing these constraints, organic agriculture in Telangana can evolve into a resilient and economically viable model for sustainable rural development.
KEYWORDS :

Paper Title

THE IMPACT OF POPULATION GROWTH ON LAND USE PATTERNS AND SOCIO-ECONOMIC DEVELOPMENT IN SOUTH HARYANA

Abstract

This paper explores the dynamic relationship between increasing population density and its effects on land utilization, including agricultural land conversion, urban expansion, and infrastructure development. With the rising population, there has been an accelerated shift from rural, agrarian-based land uses to urban and industrial landscapes, driven by economic opportunities and migration trends. This transformation has led to increased pressure on natural resources, changes in agricultural productivity, and urban sprawl. Furthermore, the socio-economic development of South Haryana has been characterized by improved access to education, employment, and services, particularly in urban areas, albeit with widening disparities between rural and urban populations. The paper highlights challenges such as land degradation, reduced per capita land availability, and social inequities resulting from uneven development. It emphasizes the need for sustainable land management policies and balanced development strategies to address the adverse effects of population growth while fostering equitable socio-economic progress in South Haryana.
KEYWORDS : Impact, Population Growth, Land Use, Patterns, Socio-Economic, Development, South Haryana.