Traditional financial education, as seen in textbook theories, falls short of providing people with the flexibility and practical skills needed to navigate the complex and interconnected financial ecosystem. The present study evaluates the drawbacks of the current framework and suggests a comprehensive strategy for investor education that promotes financial literacy, well-informed decision-making, and sustained prosperity. By integrating experiential learning, technology, and a systemic understanding of the financial landscape, educational programs can empower individuals to become self-assured and independent investors.

Well defined and futuristic education policy is essential for a country at school and college levels due to the reason that education leads to economic and social progress. Different countries adopt different education systems by considering the tradition and culture and adopt different stages during their life cycle at school and college education levels to make it effective. The National Education Policy 2020 (NEP 2020), which was approved by the Union Cabinet of India on 29 July 2020, outlines the vision of India's new education system.The new policy replaces the previous National Policy on Education, 1986. The policy is a comprehensive framework for elementary education to higher education as well as vocational training in both rural and urban India. The policy aims to transform India's education system by 2021. Shortly after the release of the policy, the government clarified that no one will be forced to study any particular language and that the medium of instruction will not be shifted from English to any regional language. The language policy in NEP is a broad guideline and advisory in nature; and it is up to the states, institutions, and schools to decide on the implementation. Education in India is a Concurrent List subject.

Capital acts as a buffer in times of crisis or poor performance by a bank. Sufficiency of capital also instils depositors' confidence. Attainment of regulatory capital standard contribute towards financial stability. Bank’s profitability as one of the important parameters has influence on financial health. This research paper will study the relationship between Capital Adequacy Ratio and Profitability of selected Public Sector Banks in India from 2018-19 to 2022-23. The purpose of the research paper to study the impact of Capital Adequacy Ratio on profitability of the banks and its significance with respect to achievement of capital adequacy norms.

A cloud kitchen business model is fully online, accepting orders via websites or mobile apps, in contrast to a regular restaurant, which normally serves patrons on-site. The study paper examines the current trends—such as heightened sustainability, intensifying rivalry, technological integration, increasing customization, market expansion, and expanded collaboration—that point to cloud kitchens as the food industry's future.

Purpose: This main aim of current paper is to examine how financial literacy affects individual investors' financial planning. Also, to understand how investors' financial confidence and satisfactions are affected by financial knowledge. Methodology: The study's primary data are gathered through a structured questionnaire with a sample size of 120 individual investors from Mumbai city through simple random sampling techniques. The study has adopted statistical tools like Cronbach’s alpha for reliability test, paired sample t test, correlation and regression analysis are testing the hypotheses of the study. Findings: The study evident that there is a significant relationship between financial literacy and financial planning of the investors. It was found that individual financial investment with better financial literacy will boost confidence which helps in proper balance of cost and savings of the individuals. Further, study revealed that better financial investment with good knowledge about various financial instrument will enhances satisfaction of investors. Research Implications: The study focuses on role of financial literacy on financial planning among investors and influence of financial literacy on building confidence and satisfaction. The study aids in the decision-making process for future financial health policies and courses of action, This study is crucial for policy makers and other regulatory bodies who hold such responsibility of creating financial awareness and education which helps an individual to gain financial stability and freedom. Originality: This research aims to provide a road map in understanding the role of financial literacy in shaping investors financial planning in converting saving in potential investment and to gain financial stability.

Having a fundamental grasp of financial instruments is necessary for making sound financial decisions. In today’s complex financial landscape, numerous factors influence individual’s decision making in Financial Market. Essentially, possessing financial knowledge empowers individuals to make well-informed decisions regarding their investments. This study aims to analyse how individuals with financial literacy influence the decision-making processes within the complex dynamics of the derivatives market. It also analyses the awareness of derivatives market and risks among the individuals. A well-structured questionnaire was constructed to collect primary data and the survey was conducted among 101 sample respondents in Mumbai.

This study explores the complex factors influencing consumer behavior in the ever-changing e-commerce environment, particularly in light of the changing digital marketing paradigm. In a time when technology is constantly changing the way that consumers shop online, it is critical for businesses to understand the complex aspects that influence customer choices in order to develop tactics that work. Our study takes a broad approach to deciphering the intricacies of the e-commerce industry by looking at social impact, product ratings, and user experience. Our goal is to find insights that help to improve e-commerce strategy through a thorough examination. We investigate the complex relationships that exist between users and digital platforms, illuminating the ways in which conventional consumer behavior and the results of digital marketing campaigns interact.

Higher education is one of the key drivers of growth performance, prosperity, and competitiveness in national and global economies. The Indian Education system is rigged with many challenges that have recently come to light when the Covid-19 virus crippled the industry. Amongst other things, the lack of practical Knowledge, training, and the option for students to choose from more versatile subjects are the biggest issues and challenges in education today. The present paper highlights the importance of Practical knowledge from the student’s career point of view. This research paper explore seven ways in which the higher education impacts society, workforces and graduates.

This study examines the significant effects of the continuous financial digitization on pension plans and their function in guaranteeing retirement security. The study explores the potential and difficulties that digital technologies bring to the administration, accessibility, and management of pension funds. It looks into how it affects risk management, investment methods, and retirees' overall financial health. Concerns regarding cybersecurity, privacy, and the necessity of digital literacy in relation to pension plan participants are also covered in the study. By means of an extensive examination, the study seeks to offer significant perspectives on maximizing the advantages of digital finance while preserving the long-term viability and efficiency of pension plans.

This study aims to investigate the impact of consumer reviews on the decision-making process of young people when choosing educational institutions. The research will use a mixed-methods approach, combining qualitative analysis of consumer reviews and quantitative surveys to gather data from a diverse sample of young people. The findings will provide valuable insights for both educational institutions and prospective students, contributing to a deeper understanding of how consumer reviews shape the choices of young people when selecting educational institutions

Mobile phones are veritably important and awful communicative tools used by all age group people especially youthful generation. Without smartphones, one feels deficient and it has come the need of hour. It has brought a plethora of information coffers within the win of bones hand and has bridged the communication gap via social networking spots. The impact of mobile phones is visible in all areas of life including business, education, health, marketing, social life etc. But it isn't out of place to mention then that every technology has its pros and cons within. It has also caused colourful health hazards and brought miseries to people especially children which include Eye strain, Neck and back pain, Hypertension, etc. The present study is an attempt to explore and examine the impact of Smartphones on the life of youthful generation. A web grounded literature check was carried out to find the objects of the study. colourful scholarly databases were penetrated to find the most authentic and qualitative information related to the study.

Since the beginning of human civilization, education has played the primary role in developing young minds into great ones, and we have witnessed evident changes in education standards across the globe. In the last few decades, technological advancements have become the driving force in making students well-equipped for the work fields of the future. This research delves into integrating technological innovations within educational frameworks, aiming to meet the evolving skills demands in the global economy. Through a comparative analysis, the study investigates various approaches adopted by educational institutions, examining the effectiveness of technological integration in preparing students for the dynamic challenges posed by the changing economic landscape. The research seeks to identify best practices, challenges, and potential strategies for optimizing the role of technology in fostering skill development and adaptability in the context of today's global economy.

In today’s era as Education constitutes an essential development standard for individuals and societies, researchers have been exploring the use of Artificial Intelligence (AI).In this paper we focus on how new trends of AI use in education fields. In order to provide a detailed overview of the efforts, this article pays particular attention to these developments by high-lighting key application areas of data-driven development. In addition to this we also in corporate data analysis for decision making, various learning processes in education where they make use of AI.AI in Education; it also analyses existing tools, research trends, as well as limitations of the role data-driven AI can play in Education. The article also provides detailed analysis to highlight the salient research trends in AI in Education and also provides detailed platforms developed as the outcome of research and development.

Pradhan Mantri Jan Arogya Yojana (PM-JAY) scheme is a health insurance program. It is world’s largest government funded health care program launched in 2018. It provides free healthcare coverage to economically challenged section of the society. Public health care is a basic necessity which leads to public well-being. There is a need for development of integrated digital health infrastructure. The study aims to identify the factors influencing the behavioral intention towards availing of Pradhan Mantri Jan Arogya Yojana (PMJAY). The research is based on Innovation Resistance Theory Model. The research is based on COMMAP Model. The data is collected from Individuals above 18 years of age residing in Mumbai Western Suburban region having Yellow and Orange ration card (EWS). It was found that Usage Barrier, Value Barrier, Risk Barrier and Information Barrier are the most significant factors influencing the intention to avail PMJAY. It is recommended to organise Awareness campaigns to create awareness about the benefits under the scheme.

The evolving global economy presents challenges and opportunities for educational institutions seeking to prepare individuals for success in the dynamic and competitive job market. This paper explores contemporary trends and strategies in human resource management to align education with the demands of the rapidly changing economic landscape. Key trends include the integration of technology, globalization, and the need for lifelong learning. Strategies in human resource management involve skills mapping, collaboration with industry, and fostering flexibility in learning paths. Curriculum innovation, including interdisciplinary learning and entrepreneurship education, is crucial for equipping students with the skills required in the modern workforce. Assessment methods are evolving toward competency-based approaches, emphasizing continuous evaluation. Policy and regulatory reforms that promote agility and incentives for innovation are essential components of aligning education with the global economy. Additionally, fostering inclusion, diversity, and cultural competence ensures that educational opportunities are accessible to all, preparing individuals for success in diverse and collaborative work environments. This paper underscores the importance of a collaborative approach involving educational institutions, industries, policymakers, and other stakeholders to create an adaptable and responsive education system that meets the needs of the evolving global economy.

This study focuses on the importance of technology in the teaching learning process and provides an overview about the role of Technology in education, New Education Policy. It gives an Idea about how Technology is affecting education and explains briefly the changes that technology is going to bring in the field of education. In the ever-evolving landscape of education and technology, the National Education Policy (NEP) of 2020 stands as a pivotal document that charts the course for the future of learning in India. Envisioned to transform the country's education system, the NEP 2020 recognizes the integral role of technology in shaping a modern, inclusive, and globally competitive educational framework. The NEP 2020, aligned with the transformative potential of technology, seeks to harness its capabilities to revolutionize the teaching-learning process and bridge socio-economic gaps in education. The NEP has been warmly received by educators around the country, who believe it has been long overdue. In recent years, India has transformed itself into an information-focused nation, and it has become imperative to embrace technology within the field of schooling. According to the NEP 2020, one of the key drivers of the schooling system will be the broad use of technology in learning and teaching the removal of language barriers, increased access, and education planning and oversight. The NEP 2020 is unquestionably a significant move toward future education, with innovation playing a vital role in supporting teaching and learning..

Continuous pollen monitoring was undertaken from 2016-2023 near Ambajogai city by using individual pollen collector (Leuschner and Boehm 1977). Although more than 50 different pollen types were recorded, emphasis has been given to the most prevalent and most important pollen types from the point of view of allergy. The invasion of Ambajogai city and nearby village area by weeds and cultivated plants is reflected in the atmospheric pollen. This paper documents the details of the total count of pollen grains, the pollen counts of allergenically significant taxa.

CSR has become a popular word in today’s world. With the Companies Act 2013, the Indian government adopted a legislative approach to reconfigure the business-society nexus in form of mandatory CSR activities. Indian businesses have realized that they must look not only at the economic dimension of their companies, but also at its ecological and social impact to move towards sustainable development. The present research paper attempts to analyse several such aspects of the CSR law in India. Enactment of Companies Act, 2013 by the Ministry of Corporate Affairs and Government of India was one of the world's largest experiments of introducing the CSR as a mandatory provision by imposing statutory obligation on Companies to take up CSR projects towards social welfare activities. This CSR Initiative will push the nation towards achievement of sustainable development goals and public-private partnership in transforming India.

CSR (Corporate Social Responsibility) is the process by which an organization thinks about and evolves its relationships with stakeholders for the betterment of the society. Society and Business go hand in hand. It demonstrates its commitment in this regard by adoption of the appropriate business processes and strategies. Socially responsible companies use CSR to integrate economic, environmental and social objectives with the company’s operations and growth. In the recent decade CSR activities have taken a great upsurge. Many Indian companies have shown remarkable initiative in carrying out these activities in various areas like environment, health care, child education and many more. The study reflects about how top companies in India have led to emerge several CSR initiatives which show a different image of today’s corporate as a contributor to the society. They have come a long way from earning profits from the society to becoming generous and giving towards the underprivileged and deprived. The aim is to reduce inequalities in the Indian society.

Financial literacy, is referred to as Personal Financial Management which includes budgeting and investing. Capacity to comprehend and apply abilities efficiently in personal finance is a lifetime learning path which leads to a strong foundation of person’s relationships. Being financially literate is knowing how to handle your finances. Learning how and why to invest, how to allocate funds wisely, as well as how to get ready for retirement. A person's intellectual understanding of financial notions and skills, such as spending, investing, financing, taxing, and handling one's own money, is known as financial literacy. One of the causes of Financial Crisis is identified as lack of Financial Literacy. Integration of our economy with world economy will increase further and so the risk of world crisis impacting Indian economy. In India there is large unorganized sector. It is widely recognized in both academic and professional circles that financial literacy plays a pivotal role in driving the nation's financial inclusion strategy. This Study takes a literature review of the concept and assessment of financial literacy. It aims to define and quantify financial literacy in the Indian context by highlighting the several elements that are involved. It also reviews the steps being taken nationwide to promote financial literacy. It also aims to evaluate in the financial literacy index of university students

Blockchain is the foundational technology that allows cryptocurrencies like bitcoin to exist. Blockchain technology has been used in numerous domains such as banking, justice, and commerce as part of the fourth industrial revolution since the invention of the steam engine, electricity, and computer technology. People’s willingness to adopt technology has been influenced by rapid technological improvement. The traditional education system in developing nations has lately been improved through the implementation of distributed ledger technology.

The objective of this study is to compare online and offline modes of learning. During Covid-19 almost everyone has shifted from offline to online mode. Students are facing many problems to cop up with an online mode but now both options are available in the market. The objective of the study is to study the effectiveness of online and offline learning.

Sustainable finance in India has gained significant momentum as the country grapples with environmental and social challenges while striving for economic growth. The integration of environmental, social, and governance (ESG) factors into financial decision-making processes is a key aspect of sustainable finance. India has taken noteworthy steps to promote sustainable finance, aligning with global trends. In 2019, the Securities and Exchange Board of India (SEBI) mandated the top 1,000 listed companies to disclose their ESG-related activities, encouraging transparency and accountability. This move has prompted businesses to evaluate and enhance their sustainability practices. Socially responsible investing (SRI) has gained traction in India, with investors showing interest in companies that prioritize ethical practices and social impact. This trend has led to the development of green bonds and other sustainable investment instruments in the Indian financial market. Challenges persist, including the need for standardized ESG reporting frameworks and increased awareness among investors. However, the momentum towards sustainable finance in India is evident, driven by regulatory initiatives, investor preferences, and the recognition of the long-term benefits of integrating sustainability into financial strategies

India's first Education Policy was launched in 1968 and then revised in 1992.This policies only mentions about regular schools, qualitative education, special learning aids and equipment's etc. Since then, India needed a deep change in its entire Education Policy. The NEP 2020 is expected to impart depth knowledge and barrier free access to education where both abled and unable Children will learn with equal access and opportunities in alignment with the Rights of Persons with Disabilities Act-2016.The research presents a systematic and comprehensive framework concerning the state of research in the field of education of children with disability/disabilities (CwD/CwDs) from the year 1968 to NEP 2020, and find out whether NEP 2020 will impact these individuals or not as they are not a distinct society, but rather a member of general population of our country. Purpose: To compare the drafts of old policies with NEP 2020 and find out new changes for special children.. Methodology: Data for the study was collected using primary data through a structured questionnaire through google form. Findings: It was found that there was a strong positive reply by teachers of special schools about NEP 2020 for special children.

Emotional intelligence (EI) or Emotional Quotient (EQ) is very important skill for all individuals working in an organization on any level or more specifically, at responsible position. Banking staff working in private sector works under constant stress. The level of their efficiency and accuracy is directly related with their phycological state. Nonharmonious relation with collogues and peers disturb their mentality and instant reaction made by them intensify the situation. This in turn disturb them in drastic way and inculcate the seeds of negative feeling as well as lower their efficiency. This indicates the importance of Emotional Intelligence which is an ability to perceive, interpret, demonstrate, control, evaluate, and use emotions to communicate with and relate to others effectively and constructively. Present research paper tries to study the influence of emotional intelligence on the performance of private sector bank employees. It also tries to highlight the factors responsible for weak emotional intelligent and suggest possible remedial measures.

The integration of sustainability education in curriculum design is a topic of growing importance. Integrating sustainability education into curriculum design helps students develop critical thinking, problem-solving, and creativity skills, as well as a sense of responsibility and empathy for the environment and society. The ideal approach to design and provide curriculum related to sustainability is to embed the values and principles of sustainability through a whole school approach that reorients existing curriculum rather than an “add-on” approach. Technology can be used to make sustainability education more interactive and engaging for students, such as through multimedia, gamification, simulations, virtual reality, etc.

Personal Financial Planning Education is in its nascent stage in India. It broadly covers all the areas of individual financial planning. Like Investment Planning, Tax Planning, Risk Planning (Insurance Planning), Retirement Planning, Estate Planning and Goal based financial planning. Today due to the advent of Financial Technology (Fin Tech), online education of financial planning has become easy, understandable and do it yourself for the with the guidance of AI. Financial Technology played a crucial role by simplifying the education of financial planning and made it verifiable.

E-commerce is not only a way to support existing business operations, but is has bought a paradigm shift in the world for trading. E-commerce involves an online transaction. E-commerce provides multiple benefits to the consumers in form of availability of goods at lower cost, wider choice and saves time. Online shopping is a part of ecommerce Ecommerce stands for electronic commerce. E-commerce is the exertion electronically buying or dealing of products on online services or over the internet. The E-Commerce market is thriving and poised for robust growth in India which is done mostly by the users due to e-commerce websites in India which allows us to buy and sell the products according to our choice at affordable price. The basic services like competitive pricing, wide range of product availability and deliveries in time coupled with trust and loyalty factors are the main purpose which not only changes the perception of retailers but it also changes their buying behaviour. E-commerce companies should understand the psychology and buying behaviour of retailers before launching any new products, new campaign and schemes etc.

Considering the complex challenges posed by climate change, resource depletion, and ecological degradation, sustainability and environmental studies play a critical role. Using the United Arab Emirates (UAE) and India as examples, the article explores the dynamic relationship between sustainability and environmental studies. By comparing these nations' approaches to sustainable development, this study will shed light on the diverse strategies they adopt. In order to provide a nuanced understanding of how sustainability and environment studies are interconnected, case studies and examples from both countries will be presented.

The goal of the study on Andheri's unorganized labor force is to comprehend the employment patterns, working conditions, and difficulties that workers involved in unofficial and unregulated economic activity in this region face. The majority of workers in Andheri are employed in the unorganized sector, which includes people in home-based businesses, small businesses, street vending, domestic work, and other unorganized jobs. The unorganized sector plays a vital role in the socio-economic fabric of any region, employing a significant portion of the workforce. This study aims to explore the dynamics of the labor force in the unorganized sector, with a special focus on the Andheri region. By understanding the unique challenges and opportunities in this sector, we seek to contribute valuable insights for policymakers, researchers, and stakeholders working towards enhancing the well-being of the unorganized sector. Keywords: Unorganized Sector, Home-Based Businesses, Small Businesses, Street Vending, Domestic Work, SocioEconomic Fabric