Paper Title

A STUDY ON DEBT-RECOVERY-TRIBUNALS STRUCTURE AND PROCESSES WITH RESPECT TO LOANS

Abstract

Given its pivotal role in economic growth, India\'s lending landscape necessitates a close examination of debt recovery. The laws governing debt collection are covered in detail in this study, which is crucial for maintaining economic stability. Since loans are frequently secured by financial assets or collateral, close oversight is required to ensure that the conditions are met. The \"Recovery of Debt Due To Banks and Financial Institutions Act, 1993\" established the Debt Recovery Tribunal (DRT), which is one legal option used by financial institutions to reduce the risk of default. Another is the use of internal debt recovery teams. This study clarifies the levels that necessitate legal action by examining the reasons behind the extreme measures taken by lenders action and the complicated steps that are needed. It also looks at things from the point of view of borrowers, pointing out the consequences of not paying and possible ways to ease debt loads. This study shows how lending practices, regulatory frameworks, and debt recovery mechanisms all work together in a complex way by looking at legal safeguards and borrower protections. In the end, it aims to help people understand better how to handle debt in today\'s financial world.
KEYWORDS : DRT, Debt, Recovery, Tribunal, SARFAESI.

Paper Title

HISTORICAL TRENDS AND FUTURE PROJECTIONS OF THE INDIAN RUPEE AGAINST THE US DOLLAR

Abstract

The value of the Indian Rupee (INR) in comparison to the US Dollar (USD) is a crucial indicator of India\'s economic health and its position in the global market. This abstract explores the various factors that influence the INR-USD exchange rate, including economic indicators such as inflation, interest rates, and GDP growth. It also examines the role of India\'s trade balance, foreign exchange reserves, and global market sentiment in determining the Rupee\'s value. The Indian Rupee (INR) has long been a vital marker of India\'s economic strength, reflecting the country\'s trade balance, fiscal policies, and overall economic health. In comparison to the US Dollar (USD), the value of the INR has fluctuated significantly over the decades, influenced by a myriad of factors ranging from domestic economic policies to global financial trends.
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Paper Title

A STUDY ON PEER PRESSURE AND ACADEMIC STRESS OF DEGREE STUDENTS IN MUMBAI REGION

Abstract

This research looks at the connection between academic stress and peer pressure for degree candidates in the Mumbai area. Finding out how much peer pressure contributes to the academic stress that college-bound students experience is the aim of the study. To collect thorough data, a questionnaire method was used. The findings demonstrate a substantial correlation between academic stress levels and peer pressure, with the majority of respondents reporting that poor time management led to higher stress. The study pinpoints particular peer pressure factors that raise stress levels in students, including academic workload, peer expectations and family expectations. Additionally, the study examines coping mechanisms that students employ to manage academic stress and mitigate the consequences of peer pressure. It also makes clear how crucial support systems are for reducing the detrimental effects of pressure from peers on academic wellbeing, both within and outside of formal education. These realizations have consequences for educators, parents, and legislators as they devise plans to establish a nurturing learning environment that acknowledges and tackles the difficulties caused by peer pressure. In the end, the study contributes to the ongoing discussion in the Mumbai region\'s higher education system about academic success and student welfare.
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Paper Title

THE ROLE WOMEN IN TELANGANA ARMED STRUGGLE

Abstract

The Telangana Armed Struggle of the 1940s represents a significant chapter in India\'s history, characterized by active participation from women who defied societal norms. This period marked a transition for women from conventional welfare roles to pivotal involvement in political activism and armed resistance against the feudal regime of the Nizam. Organizations like the Navjivan Mandali played critical roles in mobilizing women and providing platforms for their participation. Women not only engaged in the struggle for land and labor rights but also took on brave roles in the face of brutal repression by the Razakars and police forces. Despite facing severe challenges, including violence and societal ostracism, women\'s involvement led to a redefinition of their roles in society and contributed to the broader movement for socio-economic transformation.
KEYWORDS : Telangana Armed Struggle, Women’s Participation, Feudalism, Political Activism, Navjivan Mandali, Land Rights, Socio-Economic Transformation, Nizam, Peasant Struggles, Indian History.

Paper Title

A STUDY ON FINANCIAL PERFORMANCE OF SELECT NON- BANKING FINANCIAL COMPANIES IN TELANGANA

Abstract

This study aims to evaluate the financial performance of select Non-Banking Financial Companies (NBFCs) in Telangana. In recent years, NBFCs have gained prominence in the Indian financial sector by providing a wide array of financial services to individuals, businesses, and sectors often underserved by traditional banks. This research investigates the key financial indicators such as profitability, liquidity, solvency, and operational efficiency of selected NBFCs operating in Telangana. Through an analysis of financial statements, ratios, and trends over a specific period, the study assesses their stability, growth, and sustainability. The findings contribute valuable insights into the performance metrics and challenges faced by these institutions in a rapidly evolving financial landscape.
KEYWORDS : Non-Banking Financial Companies (NBFCs), Financial Performance, Profitability, Liquidity, Solvency, Telangana, Financial Ratios, Operational Efficiency, Sustainability, Growth.