In the current era the nature of doing business has changed drastically. Several challenges have been posed before businesses. After COVID-19, distribution of products and services has been unprecedentedly changed. Many online and direct channels have come up. Insurance is also such a business where distribution has an important role to play. This particular study focuses on performance of individual agents and the bancassurance channel of the private sector life insurance industry. Every company explores those distribution channels which will give maximum sales with minimum cost. Study will help to understand which channel is growing and which one is facing challenges.

Human Resource Management discipline extracted its roots from organizational psychology discipline and proved to be an important practice for managing organizations. The role of this practice has emerged to be strategic with due course of time. In an organization, HR has become an important strategic partner and the management of the same has become a challenging task for HR managers. Now a day, the role of human resource management departments has become indispensable for 21st century modern businesses. This paper particularly focuses on changing role of human resource management practices in 21st century. The aim of this paper is to highlight the importance of human resource managers, HR practices and its influencing factors. In addition to that, this paper also elaborates the upcoming challenges which are being faced by 21st century HR managers. The literature analysis has been conducted to present emerging issues, challenges and practices of human resource management discipline in context of 21st century.

The covid pandemic impacted the nation drastically and caused things to stir up in the economy. According to some, the economy was paralyzed, while certain areas of varied sectors reached their peaks. This paper aims to draw focus specifically towards the service sector on a global level post the unforeseeable covid pandemic. There were various factors that affected the service sector and the economy as a whole, both at national and global level which resulted it to become what it is today. The major factors to be examined are the changes in technology, the human resource aspect and the productivity of the sector. This study hopes to provide the scholars, economists, companies, as well as all the people associated with the service sector a way to analyse, understand and introspect the working of service sector and forecast how the future events might lead to further changes in the specified areas of the service sector as well as the service sector as a whole.

India is known as one of the tech-savvy nations in today’s business world. A common man in India had successfully inculcated the digital revolution and could cope up with the ever-changing technology even in their day-to-day lives. Nowadays, just from the level of a tea stall or a vegetable vendor to the level of a corporate business house, almost everyone is not only familiar with the term ‘E - Business’ but also are using this system as a part of our day-to-day lives. The transformation of business into an ‘E-Business’ has played a vital role in speeding up the business transactions by locational convenience, saving time and energy and money to visit the stores, easy and quick payments by using online payment systems, easy return facilities, discounts, EMI facilities, availability of a wide variety of products at your fingertip, etc. The distance between the business and a consumer has narrowed down upto one click. In this research paper, an attempt has been made to study the different aspects of the gradual changes in Indian society due to E-Business practices, with special reference to Navi Mumbai region.

India has adopted parliamentary democracy. In our democracy the people are sovereign. Common man is at the center of the overall decision-making process. Taking care of the interests of the common people is an important duty of the government. In India corruption, black money, inefficiency, Centralization of wealth and Centralization of capital are the main obstacles of common man. The common man is trapped in depression due to these problems. As a solution to all this, Prime Minister of India Shri Narendra Modi decided on demonetization on 8 November 2016. He advocated demonetization, predicting that it would lead to overall transparency in the Indian economy, and encouraged the introduction of a cashless economy and E-Banking is preferred. The research paper emphasis on the importance of cashless transactions trend also some of its advantages and disadvantages, to raise the awareness of digital payment system. This research is based on the accessible literature, and the relevant important databases.

This research paper identified several theoretical perspectives that are relevant and important in examining the research questions in the study. It is the responsibility of the Institutions offering higher education to produce skilled human resource. However during the last two decades, with modern large scale production of innumerable products for a wide market, the importance of human resources and their development has come to the forth. The importance of human resources to any organization need not be over-emphasized. Human resource is the wealth of a nation and an organization. In addition, understanding the role of a bundle of HRM practices in these relationships is critical as the system of HRM practices is the primary ways to influence the level of human capital that organizations possess and aggregate employee attitudes and behaviors that are exhibited for the organizations.

Presently the farmers of Nanded district have been become a victim of crop loss due to crop failure because heavy rain in monsoon season of 2022, so economic condition of farmers has been weaker, so farmers are facing different challenging situation and leading to extremely hopeless and committing suicide. The present research article showing an overview of the impact of Pradhan Mantri Fasal Bima Yojana in development of socio-economic status of farmers in Nanded district. The Pradhan Mantri Fasal Bima Yojana (PMFBY) was launched in Kharif 2016 Supporting agriculture by providing affordable crops Insurance production ensures comprehensive risk protection for farmers' crops All natural hazards that can be prevented from pre-sowing to post-harvest stage and process of crop loss assessment coverage of crops etc.

Money circulation forms the widespread market of the world today. Where financial institutions are certainly the spine of present economic system, there still is a gap between the loan seekers and the loan providers. Sometimes banks are unable to reach each corner of the country and the other times, the extensively lengthy process of loan application becomes lethargic. Evidences of financial illiteracy and financial inclusion are visible, where a large portion of India’s population are unbanked or underbanked. Molding into the vacant space, Peer to Peer (P2P) lending concept emerged. P2P Websites or platforms were constructed offering public an open space to negotiate and lend their money to fellow Indians. These websites act as mediators in the loan process. In a way P2P lending could also be named as ‘public to public’ because it originates as a replica of banking system among the people. In this paper, the researcher aspires to acknowledge the need and role of P2P lending and narrate this current concept in greater detail. The study is exploratory in nature and based on secondary data. The study derives the good creditability of P2P lending system as it has received green signal from the regulating authorities. It’s success ladder is constructing exponentially as we see that P2P lending has struck it’s claws in Mumbai and is rapidly spreading it wings in India.

E-Banking, also known as online banking or virtual banking, is an electronic payment system that enables customers to conduct transactions such as transfer of funds, payment of loans and EMIs, deposit, and withdrawal of cash electronically via the internet. It plays a vital role in the present banking functionality. It is a secure and convenient banking facility that allows its customers to undertake online banking services anytime during the day and at any place. A security issue is an unmitigated risk that hackers can use to do damage to data. Online bankers are always concerned about hackers while making online payments or transferring money from one account to another. Most of the banks try to make their sites secure by accepting the latest network security software. Researcher want to focus on the present status of e-banking in India and various security related issues to EBanking services. It also discusses the effect of security issues on customers' convenience.

Stress management has become part and parcel of every organization. No employee in any organization is stressfree. Many work and non-work-related stressors increase the stress level of employees and affect their efficiency at the workplace. An efficient workforce is imperative for the growth of any organization in today’s competitive world. This creates a requirement to develop stress management techniques to reduce the mental strain which employees face on regular intervals. It is the responsibility of the employees as well as the organizations to find solutions to tackle stress-related issues and create a better and productive working environment. Therefore, this study was undertaken to recognize the causes and impact of stress among the employees, identifying stress management techniques followed by employees, and initiative taken by the organization to help employees manage their stress. The study is important to make effective human resource management policies to help employees to manage their stress at the workplace. The simple random sampling method was used for collection of data. A total of 100 online survey responses were received. 50 each from Private sector and Public sector were collected.

The term E-Commerce means the process of buying or selling products on the internet. In simplest language, ECommerce refers to the meeting of buyers and sellers over the internet. E-Commerce involves many technologies such as online banking, mobile banking, electronic fund transfer, online transaction processing, online marketing etc. E- Commerce has become an integral part of everyone’s life. Though it is not famous in rural areas because of internet issues, it has been growing slowly in many parts of the country. The main objective of the study is based on analyzing different challenges faced by E-Commerce and their solutions

Share market is the place where all financial securities are bought or sold by the investor’s or traders in the stock exchange. By buying the shares you’re making an investment within the company. Because the company grows, the value of your share can also increase. The first organized stock exchange in India was started by Premchand Roychand in 1875 at Bombay. Registers were maintained for recording the transactions. So there was a time lag between the trading and the time when the actual transaction took place. To overcome this hassle a very innovative process of having Demat Account System was generated in 1996. Today, there is no paperwork involved and physical transfers of certificates are no longer cumbersome and tedious issues. The main objectives of this paper is to understand the growth of share market after dematerialization and understand the benefits accrued due to dematerialization. For this research, the researcher has used both methods of data collection i.e. Primary data and Secondary data. Questionnaire method used for the collection of primary data and secondary data collected with the help of various articles on website. This constitutes a disruptive innovation in the share market - the share market before dematerialization and the share market post dematerialization. The paper concluded that due to dematerialization the number of investors have increased and the reason for it being, it is very much easy for them to handle the transactions with the help of demat account. Even small investors can do regular investment in shares as well as trading to earn good monetary gain.

Social media in the present times has become a powerful tool for communication. This paper discusses the use of social media by IGNOU, the largest Open University in the World. The paper focuses on the use of Facebook and Twitter extensively during the COVID-19 pandemic times (2020-2021) as an outreach to its 3 million plus learners across India by Indira Gandhi National Open University (IGNOU), New Delhi, India. The paper highlights the utility of social media to reach unreached learners during the COVID-19 pandemic lockdown. The paper highlights the use of different media by IGNOU. The paper ends with suggestions on how to use social media for the benefit of the university.