CUSTOMERAWAAZ VOL4-ISS4, 4th Anniversary special by CUSTOMERAWAAZ

Rs. 50/Rs. 50/-

RNI No. DELBIL/2016/67709

Volume-04-Issue-04

Complete Magazine for Indian consumers

Qtrly- Apr-Jun, 2020

WHEN

O FORD TURNED

ORTHOD

moment of Acting Responsibly Here was our moment of compliance with ‘Call of the Nation’ and acting responsibly Readers are aware that in order to propogate and spread the concept of World Consumer Right’s Day & to bring the consumer’s talent to the fore front we had planned for a Badminton tournament at Delhi- NCR and Bangalore. Sponsors were lined up and significant investments were made/expenditures incurred. The preparations for the event went ahead in full swing, the event was marketed aggressively on yogems.com, Facebook, hudle & other prominent sites. However by 8th-10th of March, as India we hit a severity spot with respect to COVID 19 spreading. Keeping in view the severity of the situation and answering the need of the hour, we have CALLED OFF the World Consumer Right’s Day Event on 15th Mar 2020.

Because At

CustomerAwaaz We Care for your safety.

Mediating with protesters

dksjksuk ls vFkZO;oLFkk y‚dMkmu Embedded Systems

Over draft facility in home loan

Smart Cities - A Perspective

National Book Trust

Junior Awaaz

One Book can Change your Life When Oxford turned orthodox

(How India led the way)

The Quarter Past Stock Recommendations By SMC Global Securities Ltd

Understanding learning disability

Astro Predictions

Customer care in hospitality

Green Environment

CustomerAwaaz Adviosry

NBT Press Release

Beware of “Become rich working online”

An effort by Love Care Foundation

Dear Readers, Making a policy and enforcing a law in country with diverse geographic and demographic spread as ours, is more than challenging in normal times. Needless to say, times have been anything but normal since last 3 months and the criticality levels have been just moving northwards. As such, under the prevailing situations while words and emotions fail us it is no ordinary task to envisage a Lockdown in itself in a country like India, leave alone enforcing it. Considering these epic proportions, the scale and the logistics involved it can be very safely said that the Government has achieved a very successful lockdown barring of course a few incidents. In a country where the hand of the law can never be enough to control the masses through sheer force and might, the Government has used the media and mass communication commendably well and appealed to the good sense of people to join the movement and lend the strength to their plan, and the people of the country responded obligingly. In this hour of crisis no words can be enough to thank the Good work and humanitarian service that has been rendered by our friends in the medical industry, Aviation or Public transport industry, the Government servants themselves, Media and all those sectors having a direct public contact but had to rise to the call of the duty. CustomerAwaaz salutes the spirit of all such people who have risen to the occasion, and have dedicated their services to support the humanity while at the same time risking their lives and those of their near and dear ones. While this edition was on the verge of going to the publication, we were in the midst of an unprecedented lockdown not only across the country but across the globe. How this lockdown is going to impact the economy, various sectors in various ways is something which will unfold as time goes by. Along with the Prime Minister himself, the Ministry of Health and Family Welfare has been continuously involved in issuing advisories to the citizens of India both domestic and those who are overseas, and a list of dos and don’ts have been constantly published and updated on their site www.mohfw.gov.in. The government and finance ministry have initiated a slew of actions including the lunch of PM Garib Kalyan Yojana 2020 has announced by Finance Minister Nirmala Sitharaman on Thursday on 26th March 2020 to help fight against Covid 19 outbreak. Enough said about the pandemic, there have been other silver linings in a sky otherwise clouded with the Corona virus, particularly those that endorsed women’s rights. On 17th March 2020, the Supreme Court has ruled in favour of Permanent Commission for Women in Navy and citing the basis of equal treatment for women and men in the defence services. The Apex court has directed the Government to enforce the same within 3 months. However the benefit of this decision could not be extended to those Short Service Commission women officers who have retired previously and in lieu of the same, the Apex court has awarded them pension benefits and monetary benefits to some for the loss of opportunity. After a 7 year long drawn legal battle finally justice was delivered to the departed soul of Nirbhaya as all the convicts’ last legal options were exhausted and they were hung to death on the 20th of March. Let us sincerely hope that, this hanging of Nirbhaya’s convicts and the killing of the dastardly Hyderabad rape convicts deters these perpetrators of crimes on women and brings down the crime rate. Readers are aware that in order to promote ‘World Consumer Rights Day’ on 15th March, we had planned to organise a badminton tournament both at Bangalore and New Delhi. However, amidst so much raging over Carona and on account of the events unfurling, we too had to call off the event to prevent any eventualities. I sign off urging all of you to follow the precautions and preventive measures against Corona prescribed to a T and stay home along with your near and dear ones and stay safe.

Alternative Dispute Resolution

MEDIATING PROTESTORS

WITH

WHAT IS THE DISPUTE WHO ARE THE PARTIES WHAT IS TO BE DONE

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‘Dispute’ is considered an essential component of resolution. Because what is resolved is a ‘dispute’ which is distinguishable from mere differences and disagreements. A dispute would have a more definite contour of its own. It comprises of factual positions of the disputing parties coupled with their expectations with the desire of an acceptable outcome. The parties would bring many differences on to the table where it will be needed to be worked upon to an accurate entitlement through ‘Naming’, ‘blaming’ and ‘claiming’. Recognizing disputes is essential in order to resolve it. Mutuality plays an important role because that is what mediation / negotiation is all about. So we have: a ‘set of facts’;‘identification of parties’; ‘acknowledged disputes’; ‘desires and expectations of the parties’ and above all ‘legal rights’ – this includes enjoying it or relinquishing it – involved in a typical mediation set up. Let’s expand this and we will get perhaps a larger picture of multiple parties with everything else remaining more or less the same. The techniques of ADR provides sufficient tools to mediate amongst persons pertaining to such ‘disputes’. A look out for a balanced bargain serves the desires & expectations of the persons involved and the mediator may provide avenues for a ‘win-win’ deal for all – almost. The parties part with a smile. The law takes care of the settlement in terms of its finality and legality. So far so good. The dispute gets resolved. Let’s expand the scenario more. We see protestors – stakeholders in the society –seeking a resolution of ‘legal rights’ through sit-in leading to a closure of a public road. This is a situation where a group of citizens protest against a particular law. What is the scope of ADR techniques like mediation in such a scenario where it is not clear whom to talk to? Can a ‘crowd’ be termed as a party? Can ‘law’ be treated as a ‘dispute’? The situation gets com-

plicated when there are other group of citizens i.e. commuters who may or may not agree with the view of the protestors and are apparent sufferers due to the road closure. The commuter’s ‘right to way’ is clearly infringed. Can the two sets of citizens – one (GROUP-I) blocking the road and the other (GROUP-II) ‘commuters’ suffering from the said road blockage– be treated as two distinct parties? The essentiality of presence of the necessary party cannot be undermined because one cannot ignore the government. Now we have three parties: GROUP-I, GROUP-II and THE GOVERNMENT. This identiﬁcation of the proper and the necessary parties is indispensable.The GROUP-II (commuters) petitions the court of law against the action of blockade by GROUP-I (protestors)but the claim is not against the protest per se. The GOVERNMENT is made a party to the ’dispute’ – if at all we can say that. The lines seems to have been drawn. Let us test this in a mediation model where mediations are recommended by the Court of Law. The process of mediation kick starts and a set of court-appointed mediators engage with the GROUP-I which is typically a gathering of individuals submerged in a crowd with a cloud of anonymity.The behaviour is collective but not the response. The GROUP-II (commuters) who may or may not agree with the view of the protestors are completely ignored by the mediators. The set of mediators also don’t meet the representative of the GOVERNMENT (a party before the court of law). This appears to be an unﬁnished task. None of the stake-holders should have been ignored. The GROUP-I and GROUP-II are both sides of the same coin – the society. So is the GOVERNMENT. Law is made for the society and listening to one group of citizens while ignoring the

other is no resolution and not a ‘democracy’ by any means.No doubt the protestors are valuable citizens of the state and must be heard but that must include the aggrieved from both the sides even if one side is not physically ‘protesting’ on the streets (silent commuters). The author-herein wants to convey that the voices from all sections of the society must be evaluated. If mediators are sent for consultations to one section of the society then the same mediators must also meet the other segment(s) of the society. The solution may not lie in opening up another rout X while keeping the impugned public road closed. In such a scenario the com-

muters who already stand ignored will lose and such a process will not qualify to be a ‘mediation’. Collective action of assertion – of the protestors-herein or the commuters-herein – must be backed by some reasoning otherwise engaging with them will be difﬁcult leading to dangerous deadlocks. A logjam for too long a time will breed maladies. Something more suitable than mediation should emerge in the hands of justice which can serve a model for the future. Ours is a dynamic society and we critically need a more deﬁnite model to resolve such disputes to the satisfaction of all.

About the author Adv. Sanjay Diwakar has been practicing law since 1998 covering the ﬁeld of Civil and Criminal Law, at Delhi courts as well as the regular faculty at Indian Law Institute along with being a guest faculty at Amity Law Institute, IP college and the Delhi Police Training Academy At Delhi. He is a practicing Arbitrator as well as representative before the Arbitrator. His Special area of Interest is International Commercial Arbitration. This is the 15th in the series of articles he has penned for CustomerAwaaz centred around Alternate Dispute Resolution, it is to be noted that the modern world particularly one which is loaded with digital commerce would immensely beneﬁt from Alternate Dispute Resolution particularly where there is a paucity of time to approach the formal judicial system for grievance redressal/dispute resolution. He is available on Diwakarsanjay447@gmail.com.

OVERDRAFT FACILITY IN HOME LOAN GRAB IT OR LEAVE IT ???

There is need to understand the facility of overdraft available with Home loan fully. The questions that rake our minds areIs it actually an overdraft? Is this overdraft available over and above the home loan amount? OR Is it our own funds which can be used as overdraft? To be able to understand this better, let us first understand the product itself.

To some it might sound familiar but to many it is a big Q mark (?). Firstly, very few banks like State Bank of India, ICICI Bank, HDFC Ltd, AXIS Bank, CITI Bank, Bank of Baroda etc are offering this feature of combining overdraft facility with home loan to their customers and even fewer are advertising the benefits of this product to the advantage of the customer. This is due to the fact that Banks do not gain much from this product by way of income. Banks have this product on offer to mainly provide a bouquet of features to the customers. Private Banks are selective in offering this product to customers and when they do, they prefer Salary account holders for the same. Public sector Banks have this facility open to all, subject to minimum and maximum loan amount and other terms and conditions.

Aradhna Tyagi Faculty, SBILD Sec-62, Noida

Some Banks allow you to keep additional funds in your savings account which is linked to your Home loan account. Here, banks do not pay interest on savings account and allow you to save interest in home loan account for the amount of balance in savings account at home loan rate. While others ask you to park your funds directly into Home loan account and save interest on the amount of credit (in excess of monthly installment- EMI) in loan account. To name a few- SBI- Maxgain, HDFC-Home overdraft salary, Citi-Home credit, Axis-Power saver etc. are few such products. But the question is, if the facility is, in true sense, beneficial for the customer to grab? If yes, then how can the customers maximize their benefits by taking overdraft facility on home loan? Now, don’t confuse with the word overdraft. Bank does not give you any fund in addition to the sanctioned home loan amount. So technically you are not drawing above your loan limit or drawing power (DP). It is termed as overdraft because it can be used as a running account, after full disbursement of the loan, with net banking, cheque book facility etc. Drawing power is reduced on monthly basis, to the extent of the principal component of the Equated monthly installment (EMI), so that the Overdraft is liquidated at the end of the loan tenure. Such home loan is categorized under current account (Deposit) hence, called overdraft facility on home loan. Before opting for home loan overdraft facility, a customer should first understand that he will be paying higher rate of interest. Any prepayment over and above regular EMI in this account will not qualify for rebate under section 80C of income tax act for the purpose of investment because these funds are available to the customer as liquid funds and are NOT considered as prepayment of loan. So, what are the benefits? The benefits are immense, provided you have that kind of additional funds that you can regularly park in the home loan overdraft account. It is NOT suitable for Individuals who are single earning members of the family without much savings and who are barely able to make their ends meet. For those who have some funds to spare or those who have low yielding risk free savings of regular nature (fix deposit, RD etc), but still

wish to go for loan and not get into liquidity crunch by using their savings towards payment for purchase of house, Home loan overdraft facility is an excellent opportunity. It allows you to maintain liquidity and earn by virtue of saving upon interest. They say, “Interest saved is interest earned”. To give an example, you have taken a home loan for Rs.1 lac @ 9% and you credit Rs.100/- per month for 5 years in addition to your regular monthly installment into your home loan account. You end up saving Rs.1500/- approx. by way of interest alone, and Rs.6000/- (Rs.100*60) thus accumulated is available to you as liquid funds in addition to Rs.1500/- of interest saving. In contrast if you open a Recurring deposit of Rs.100/- @ 7% for 5 years you get Rs.1200/approx by way of interest on which there will be tax liability. Thus, the difference of your earning on recurring deposit and that of interest saving in home loan is Rs.300 on a loan of Rs one lac in ﬁve years by parking a small amount of Rs.100/- regularly into the loan account which is also available as liquid funds. You are entitled to withdraw any amount credited to your loan account over and above EMI along with the amount you saved, by way of less interest applied to your loan account, due to parking of extra funds. Think about the impact it has on the actual loan taken which is much higher in amount and period both. In addition you also save on income tax otherwise applicable on deposits. Another example is, suppose you have a ﬁx deposit of Rs.10 lac @ 7%. You end up paying tax on interest earned @ 20-30 %. Thus your effective income on that deposit is 5% approx (7%-tax). But you want to keep these funds as liquid funds and say you also have a home loan account @ 9%. Now, by virtue of parking these funds in your loan account you earn interest at the rate equivalent to the rate applicable to home loan, in this case 9% in comparison to the 5% you would have otherwise got on your deposit. So, you earn by saving on interest by paying less to the bank towards interest. In case of investing the same amount , you not only end up paying tax but also those funds are blocked till the maturity of your deposit and in case of emergency you pay penalty on pre-mature withdrawal thereby loosing on interest component whereas the funds parked in

loan account are available at all points of time. In case of withdrawal, from your loan account, you are required to pay interest only on that portion of amount withdrawn and utilized for those number of days. You can also manage your loan account according to your need. In case it is a second house or even in case of first house, if the interest component exceeds the amount on which tax rebate is applicable, you can manage the amount of interest on which you will get tax rebate under sec 24(b) by crediting your home loan account with excess funds available with you if any, and save on interest which is not going to give you any rebate by way of tax. This product is best suited for those who fall under the category of High Net worth Individuals. Just parking your salary which is substantial in case of high net worth Individuals allows the borrower to save on interest component regularly and also maintaining liquidity at the same time. Salary of any individual is not exhausted on the very first day. So if you have an overdraft facility linked to your loan account and you regularly park your entire salary to that account and use it judiciously, you end up saving a lot especially if you have opted for SBI-Maxgain as SBI is one Bank which calculates interest on daily reducing balance even in their loan accounts. To give an example, let us consider you earn Rs. 2 lac per month. You transfer this to your loan account on the first of every month. You then withdraw some cash, say Rs. 20k on the 5th of that month for your household expenditure. Then your EMI is deducted on the 10th and you make some more payments on that day towards investment and other expenditure. The entire outflow from your account is approximately Rs. 1.10 lac on the 10th, considering your EMI to be 75k per month. Out of the remaining amount you withdraw or make further payments to the tune of Rs. 30k by the 20th of that month. Now you are left with Rs. 40k approximately which appears to be your regular saving per month which you allow to be in your savings account for any future need of which you are currently not aware. You also do not want to invest this amount further as you want to be in the comfort of having liquid funds at your

disposal. So now you will be earning by virtue of saving as under• Bank will charge you interest on the amount which is Rs. 2 lac less than your loan outstanding for the ﬁrst 5 days as your salary of Rs. 2 lac was parked in your loan account over and above your regular EMI. • Interest will be charged on Rs. 1.80 lac less than loan outstanding for next 5 days as Rs. 20k was withdrawn on the 5th of that month. • Interest will be charged on Rs. 70k less than loan outstanding for next 10 days as Rs. 1.10 lac was withdrawn on the 10th of that month and Rs. 1.30 lac till the 10th of that month. • Interest will be charged on Rs. 40k less than loan outstanding for next 10 days as Rs. 30k was withdrawn on the 20th of that month and Rs. 1.60 lac till the 20th of that month Considering applicable rate of interest on your home loan to be 9%, you effectively earn at the rate applicable to your home loan by virtue of saving on interest component as under•Rs. 2,00,000/- / 365 * 5 * 9% •Rs. 1,80,000/- / 365 * 5 * 9% •Rs. 70,000/- / 365 * 10 * 9% •Rs. 40,000/- / 365 * 10 * 9%

= Rs. 247.00 = Rs. 222.00 = Rs. 173.00 = Rs. 99.00

Total Interest saving in one month - Rs. 741.00 Keeping these funds in your home loan account from where you can withdraw at any given point of time, subject to the fact that your EMI is being paid regularly and you simply park your salary in your loan account and also use it as and when you want you save Rs.741.00 per month without making any additional effort. So, to conclude, if you have extra savings or you earn well and are in a position to park some funds into your loan account then Home loan overdraft account is the very best for you to save on interest as well as maintain your liquidity. It is a Premium product with higher liquidity. Just by getting your salary credited directly to this account and by using it judiciously also, you save a lot of interest on your loan account. So GO Bindass!! for Overdraft facility on home loan even at a premium.

National Book Trust, India under the aegis of Ministry of Human Resource Development, Govt. of India has been carrying out a stellar role in terms of publishing books and promoting readership. CustomerAwaaz magazine and website promoted by Consumer Metrics Informatics Pvt Ltd, works in the area of promotion and imparting education of Consumer Rights for Indian customers across the globe.

Reading and gaining knowledge is one of the essential ingredients for people to educate themselves on their rights. CustomerAwaaz is thankful to Shri Yuvraj Malik, Director, National Book Trust, India for having spared valuable time for helping us disseminate this important facet of human skill development that NBT, India has undertaken.

ONE BOOK CAN CHANGE YOUR LIFE It is an often said statement that ‘Books are the best friends that a person has!’ Does this statement hold good today as well? What is the importance of book reading-particularly in today’s times? Learning is a never-ending process, and books are the best medium to increase our knowledge and awareness, to be a well-educated and well-aware society. Despite the so-called technological and digital impact, the printed word is still popular among the readers. And more so in today's times, when we are overwhelmed by the information overload. As for books, I do believe that ONE BOOK CAN CHANGE YOUR LIFE. You just need to find the right one.

Can we request you to share as to what is the mandate of NBT? While it appears to be self-explanatory, for the sake of better clarity to our readers we request you to provide more details regarding the overall organisation, the mission statement and the core objectives. The National Book Trust, India (NBT) is an apex body established by the Government of India (Department of Higher Education, Ministry of Human Resource Development) in the year 1957. The objectives of the NBT are to produce and encourage the production of good literature in English, Hindi and other Indian languages. NBT has been working for the promotion of books and reading in the country for the last more than sixty years. In its endeavour to make quality reading material available to all sections of the society, NBT publishes reasonably-priced books in all

genres to cater to all age-groups of the society. To promote reading, NBT organizes book fairs and exhibitions across the country, takes books to remote areas through its mobile exhibition vans, organises seminars, workshops & other literary events, and all such necessary steps to make the people book minded.

NBT organizes the annual New Delhi World Book Fair (NDWBF), which is one of the biggest book fairs in the world. As the nodal body for the promotion of Indian publishing industry, both in India and abroad, NBT participates in a number of international book fairs across the globe. What kind of books does the NBT publish? Can you throw some light on the range and different genres? In furtherance to its objectives, NBT publishes general books which include works of fiction, books on social sciences, medical science and cutting-edge technology for all segments of society and for all age-groups. The NBT also publishes a wide variety of books for children and post-literacy reading material for new-literates. Moderately priced, NBT publishes books under different series in English and in all Indian languages of India. NBT pays special attention to those genres which are not adequately covered by other publishers. We have published more than 300 books in Braille (in English and other Indian languages), and many silent, pictorial and tactile books to cater to all sections of the society. We also have e-book versions of our printed books to keep up with the technology and changing times to cater to younger generation and today's youth. In these difficult times of corona pandemic spread all over the world, what role is NBT

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playing to support the government's efforts to make people stay at home? In the wake of preventive measures of the Government of India to contain the spread of Covid-19, and to encourage people to #StayIn and #StayHome, the National Book Trust, India in its efforts to encourage people to read books while at home, has provided its select and best-selling titles for FREE Download as part of its initiative of #StayHomeIndiaWithBooks! The 150+ books, in PDF format, can be downloaded from the NBT's website. Available in Hindi, English, and other Indian languages, the books cover all genres of fiction, biography, popular science, teacher's handbook, and majorly books for children and young adults. Secondly, realising the extraordinary psychological, social, economic and cultural significance of Corona Pandemic for the human society in times to come, NBT has launched a publishing series titled ‘Corona Studies Series’ to document and to provide relevant reading materials for all age-groups for the post-Corona readership needs. The material is being readied by a Study Group comprising experienced psychologists/ counsellors. The first sub-series is on ‘Psycho-Social Impact of Corona Pandemic and the Ways to Cope’. The Group will develop methodologies and practical tips to deal with situations, helped by easy-to-assimilate reading materials on various segments through research, virtual interviews and case studies. This shall help in overall empowerment and awareness to deal with the lockdown and keep the optimum emotional strength and courage. We are working on bringing out both e-editions & printed editions of these books soon enough as support materials for the readers. In addition, we are preparing children’s books to let them know about Our Corona Warriors, and other story and picture books related to various aspects of Corona to create awareness. Also, books focused on art, literature, folklore, economic and sociological aspects, science/health awareness emerging out of the Corona pandemic, and the lockdown, are also in the pipeline.

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Book publishing can be an excellent medium through which a Nation’s heritage and culture can be both preserved for future generations and also promoted to the rest of the world! What are the steps taken by NBT in this direction?

for Neo-literates, Continuing Education Series, Aadan Pradan, Classics, Indian Literature, Hindi Navjagran Ke Agradoot, World Literature, Indian Diaspora Studies, Afro-Asian Countries, General Series, Braille Books, Golden Jubilee Anthologies, Popular Readers’ Series, North-East Study Series.

I completely agree with the statement. We at NBT understand the importance of documentation, and hence we have published books of national importance, on Indian culture and traditions, Indian folklore, biographies, revised editions of ancient texts, and even India's contemporary progress, and most written by experts in their fields. They are easily available to general public on reasonable costs.

NBT does not work with commercial motives, instead it endeavours to make good reading material, on affordable prices, available to the various strata of the society in order to promote reading and book culture, and in turn a well-read society. With this aim in mind, NBT is reaching out to Panchayats and Anganwadis as well in addition to schools across the length and breadth of the country.

As for promoting Indian culture to the other parts of the world, NBT is one of the few publishing houses to have books in all six UN languages - Arabic, Chinese, Russian, English, French and Spanish. Our books have been translated into these languages and are available across the globe.

Does NBT have a preference for publication in any particular language? Given that a language represents the culture of a region to a large extent, what is the work undertaken by NBT to promote regional languages and their publications?

In addition, NBT being the nodal agency for promotion of Indian publishing industry abroad, it is the coordinating agency for the INDIA Guest of Honour Presentations at various international book fairs. In these presentations, NBT not only brings together different Indian publishers to these international forums, but also presents the tradition and culture through its uniquely designed INDIA PAVILIONS, literary and cultural programmes, and specially brought out translations of books of that country. Recently, NBT coordinated the INDIA Guest of Honour Presentations at Abu Dhabi and Mexico; and is now preparing for France. Does NBT focus on themes based on India only? What kind of themes get a priority in consideration for being published? NBT publishes books under its well-defined series — India-The Land and the People, Young India Library, Popular Science, Popular Social Science, Folklore, National Biography, Women Pioneers, Autobiography, Nehru Bal Pustakalaya, Veergatha, Indian Fiction for Young Adults, Asian/Pacific Co-publication Programme, Creative Learning Series, Books

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NBT ensures that it publishes books in all Indian languages as well as in English. We emphasise on translations from one Indian language into other Indian languages. We organise various language workshops, seminars, and other literary programmes across various cities of India. In addition, we work harder on endangered and lesser popularised languages and dialects as well. You will be surprised to know that NBT has published books in more than 50 Indian languages, which includes dialects and tribal languages. We hope to publish books in more such languages and tribal languages, and lesser known dialects, so that every Indian is able to read and appreciate books and the promotion of books and reading can be made possible at every level On many occasions there are cases of good writers unable to afford publication of their works. While Internet blogs solve some of these issues, yet it can never be a well-structured content. What help can NBT provide in these cases to ensure that the knowledge and wisdom that was intended to be disseminated can actually be done? We commission authors for quality material books under our well-defined series, and in

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addition we also accept manuscripts from writers who wish to publish with us. However, since we are mandated to provide good, quality and reliable material to the readers, the manuscripts go through various checks before it is accepted for publication. To promote young and budding writers, we have in place the 'Navlekhan Mala' series of books, under which the original and unpublished writings of young authors below forty years across different languages of India are published. So far, books and anthologies in Asamiya, Bangla, Gujarati, Hindi, Kannada, Malayalam, Marathi, Odia, Tamil and Telugu have since been brought out. Moreover, a unique Shodh Yatri Programme to encourage students to do research on Indiaâ&#x20AC;&#x2122;s contributions and influences as well as areas of contacts between India and other countries in the neighbourhood was launched. In pursuing this programme the Ministry of Human Resource Development in association with Indian Council of Historical Research, Central Board of Secondary Education and National Book Trust, India organised an all India Online Contest across schools of India to select students who could be part of the Programme. A felicitation ceremony for the winners of the online Shodh Yatri contest was held at the New Delhi World Book Fair 2017. We have evolved from an era where sharing a book or borrowing from the libraries was the norm and grew to having personal book collections! Can you let us know if the pattern/habits of reading have been changing and if so how? The reading pattern has definitely changed over the generations, with children and parents gradually distancing from books and reading. However, this is where the role of institutions like NBT comes to the fore. We ensure that books and reading reaches every home, through our reasonably-priced books, book promotion activities, exhibitions, book fairs, children's activities, literary programmes, mobile exhibition vans, book clubs, readers' clubs, e-books, workshops, etc. which are interactive and involve the whole family. Our Pustak Parikramas (Mobile Exhibition Vans) reach books to all districts and small towns.

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Through Readers' Clubs, we help in setting-up of libraries and reading clubs in schools. How do you think that the advent of technology has affected book reading habits in people? Do published books and reading habits have a co-relation in these times? Although the technological revolution, the widespread use of smartphones and tablets and kindle, has had an impact on reading, the printed version is still sought by readers -whether it is the newspapers, the magazines or the good old books. In all our book fairs, especially the annual New Delhi World Book Fair, the footfall of book lovers is rising year per year. Published material and reading are inter-connected to some level, as the printed word is verification in itself. With rumours and false news being circulated through social media and other video apps, the printed word has an advantage of having the last word, so to say. What are some of the reading habits that a person should inculcate in this time and age? Given that reading habits start from an early age and parents have a big role to play, what is your advice and guidance to the parents of young children? I would say that the 'The Family that Reads together, Leads together'. It is very important that to inculcate the habit of reading in a child, the parents first should be an example for their children. The child will pick the habit of books and reading automatically. What are the steps taken by the NBT to encourage people to read more? Does NBT encourage formation of book clubs and associations etc? NBT

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books

provide

knowledge

beyond

textbooks to keep the students up-to-date with the fast changing world around them and also makes the children aware about the culture and diversity of India. On the other hand, NBT books also make reading interesting through lucid presentation of the textbook concepts. You can say that NBT books are perfect supplement for the textbooks. Through Readers’ Clubs, we hold a variety of interactive and interesting activities with students to encourage them to read books and aim to inculcate reading habit in them. In addition, we organise book-related events and interactive activities with children to encourage them to develop the habit of reading.

so as to reach the grassroots and popularise the need to read and be aware in these times.

Books of NBT translated into

Arabic

What kind of assistance can any organization expect from NBT if they have to work towards promotion of book reading, forming book clubs etc? We associate with NGOs and such organizations to promote book reading and support them through our GIA programme. What are NBT's future objectives and plans in the coming few years? We are looking forward to scale up the NDWBF to double its size. The fair will promote award-winning books and authors in a bigger way, and have children's writers and children's author's corners. In order to integrate the North-East into the mainstream, with its rich cultures and literatures, we are in the process to soon open another NBT Regional Office in Guwahati to bring a cultural synthesis with the North-East Region. As of now, as you may be aware, we have regional offices in Kolkata, Mumbai, Bengaluru (covering east, west and south); and the northern regional office being in Delhi itself, within the head office. In addition, we have 11 Book Promotion Centres/Bookshops across India.

Books of NBT translated into

Spanish

In addition, NBT plans to organise more book-related activities, as well as book fairs and exhibitions in the remotest of areas in India, so

“

"The family that reads together, leads together." It is very important that to inculcate the habit of reading in a child, the parents first should be an example for their children.

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”

X O

WHEN

O FORD TURNED

ORTHOD HOW INDIA LED THE WAY

Mar 05’ Business Today

Mar 13th The Economic Times

Prime Minister of Israel has encouraged Israeli citizens to greet people using the Namaste instead of a regular handshake at a presser. This presser took place after a review meeting held on containing the deadly virus.

“Amid the spread of coronavirus people are adapting India’s greeting system ‘Namaste’, so has the Royal family of United Kingdom. Prince Charles was seen greeting people with a ‘Namaste’ at the annual Prince's Trust Awards on March 11 at the London Palladium. The number of coronavirus cases in the United Kingdom has witnessed a sharp rise. UK junior health minister Nadine Dorries has been also diagnosed with coronavirus.

Netanyahu said that several precautionary measures will be adopted to mitigate the spread of coronavirus but simple measures such as greeting people the Indian way by using Namaste instead of the usual handshake can be adopted in day to day lives. He also showed how Indians do Namaste at the presser. Mar 12’ The Economic Times ‘Donald Trump greets Ireland PM Leo Varadkar with namaste, says India ahead of the curve’ when he met him at the White House on 12th March.

Meanwhile, World Health Organization (WHO) reported 1,18, 322 cases and 4,292 deaths due to deadly coronavirus globally. On the other side, China reported 80, 955 conﬁrmed cases and 3162 people lost their lives because of coronavirus. Outbreak of coronavirus disease (COVID-19) was ﬁrst reported from China’s Wuhan in late December 2019.”

Amidst the Corona Virus ravaging and savaging the Earth-these were some of the headlines that were attracting attention as they highlighted the Indian traditional way, of greeting with respect and throwing back the whole world’s memories into how India was a world leader by way of its practices since ancient times. Agreed, it was the horrendous disease Corona which has forced people to discover a non-touch based greeting that was one of the surest ways of stopping the spread of the pandemic, but is that all to it? In order to understand this in greater detail we need to observe our ancient traditions or conduct a literal in depth study of them. We are illustrating here some of the age old Indian practices which go in time prior to the pre westernisation or colonisation era. Namaste way of Greeting-eliminating touch: Ancient Indians did not practice a hand touch or hand shake type of greeting. Greetings were broadly classiﬁed into two or three categories. One when greeting who were socially (such as Kings, Chieftians) or intellectually superior (Spiritual or Knowledge Gurus). When the people meeting Kings, Emperors, land lords or warlords were spiritually and knowledge wise at a higher position, they would be greeted by the latter. The greeting often was in the form of a bowing of the head or touching of the feet as a mark of respect, by uttering few phrases of respect. The greeting from the other side usually was a blessing which would indicate either the wishes of the former coming true or hailing a victory and/or good things on them. However, if it was the normal and the common man who would greet the King or the ruler of the land, it was the former who would greet the latter ﬁrst and the greeting would be in the form of a bow or a salutation, followed by a haling of good things to befall upon the latter or glorifying their virtues.

In the normal social strata when one came across a peer it would be a verbal salutation and always it was initiated by the younger of the two which was either reciprocated equally or gain through uttering of a blessing and good wishes by the latter. Thus, if one were to note the case of a physical contact was almost negligible unless until someone touched a saintly person’s feet. But then the person whose feet was touched was fully deserving of it, would have been a Mahatma, a venerated one and it was often said that positive electromagnetic vibes or radiations passed through when the touch of the feet occurred. Washing feet/having a bath soon upon return from outside: In age old times, homes were are all on open grounds, albeit fenced. There was no concept of storied apartments and every home almost had a well or a water storage container. It was a hard wired practice that people who used to venture out of their homes for pretty much anything used to have a clean thorough wash if not a bath before entering their main rooms of the home. If it was after a hard day’s work etc or return from the markets or ﬁelds as it used to be sometimes, it always used to be a clean bath before one entered the home. Footwear ethic: While it was felt that foot wear as a mark of respect to the superiors was always left outside the homes or temples, the scientiﬁc reason has always been to avoid and control the spread of any bacteria or viruses associated with that. Even today in most Indian homes even those which are based out of modern urban cities, wearing footwear beyond the entrance of the home would be a strict no no. While in some of the ultra-modernised homes shoes/footwear is worn everywhere without distinction, many

homes practice ban of footwear beyond the entrance. Just in case if in some of the homes footwear is an acceptable in to the drawing hall, it is still a strict taboo in dining zone as well as of course in Kitchens and near places allocated for worship within homes. Agreed, most foreign countires are dust free in comparison to India but there would be a distinct level of cleanliness and hygiene inside a home and outdoors. Outside environment does have a certain degree of bacteria and germs associated with it which Indians try to stave off by leaving their footwear outside near the entrance of the house. Outdoors environment has a lot of bacteria alive and kicking and it can easily get carried indoors with soiled clothes, shoes with which one plays sports etc and has the propensity to infect the entire house. Washing hands and feet before meals: Raju, Munnie, go wash your hands and feet was mom’s standard callout to alert children to Hygienic ways before every meal. Obviously we did not have a spoon and fork or a Knife and fork culture those days and whatever we had was had with bare hands. Pure Indian traditional and native dishes were always good to be consumed and designed to be had with bare hands and so it was always ﬁngers at work.Till we had the pseudo culture of becoming upscale by using a spoon/knife and a fork we had a rich culture of cleaning and washing ourselves before sitting for a meal. In fact most of the country still practices as a norm that most of us have our ﬁrst meal of the day only after having a clean bath. This ensures that bacteria or any virus if it gets accumulated to us inadvertently is cleaned thoroughly during the bath. Needless to say this was hygiene practised to the hilt and has completely dissolved as the generations changed by.

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Cookware, Kitchenware and Dining ware: Brass ware was typically used for cooking the meals/food and more often than not Silverware was used for serving the food and for consuming the same. If one studied this fact deeply, it is well acknowledged that silver has a lot of anti-bacterial properties. Unfortunately in the name of high street fashion, a lot of Indian families since last 3-4 decades have gradually converted their dinner ware from Stainless steel to Melamine /or Food grade Plastic which has witnessed a slow deterioration of their immune system. However an important aspect for consideration is that citizens of India in the traditional era when they used silverware, brassware and copperware were much more immune to any kinds of bacteria or influenza etc. Process of cooking and dining: While we have transformed ourselves into a completely Microwave society and also online food ordering society, the process of cooking itself had a lot of discipline associated with it. The person who was entrusted with the kitchen or preparing food for the household used to have a clean bath and only then fetch, obtain or fill the water in clean and hitherto unused and fresh clothes that was then used for cooking. Kitchens were spaced slightly apart needless to say significantly distanced from Toilets and general access was denied to one and all. Washing feet and hands when we go for defecating (or even after Urinating): May be it sounds gross discussing this.But innumerous reports have revealed that one of the essentials that people nowadays carry continuously with them, their mobile phone; inadvertently turns out to be one of the most infected or dirty articles they carry around

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As much as our toilets are disinfected and we may be living in the most ultra modern hygienic conditions, from ages Indians have been programmed to wash their hands and feet soon after attending to nature calls. Going back in time, it was a practice to take a complete bath whenever people used to go for faeces. But again these were the times in India when Toilets attached to bedrooms were completely an alien concept in India. Starting from a phase where an entire locality/residential area used towalk out for almost half km from their living area and upon returning used to have a complete bath and clean up and have a complete changeover of their wardrobe before they stepped into their home. It is not in the least we are recommending that defecating in the open is a hygienic or healthy practice for we have had the entire country work ona Swacchh Bharat Abhyan where the government of the day has built record number of toilets and campaigned across the country against this practice. Here the attention is drawn to the practice after that. However what with modern toilets having intruded into our bedrooms, most of the times the practice of cleaning oneself thoroughly or having a changeover of dress post attending to the nature calls and hygiene is fast disappearing these days. Mobile phones having become our second nature many people practice carrying them into their intimate zones (the author is privy to people having business conversations while they are taking pot shots in public places), there are many reports of spread of Ecoli bacteria that happens through inadequate cleaning of hands post usage of toilets an/or through mobile phones that are carried into toilets etc. Thus if we took a peak into various practices of pre westernised or Pre British India,we had a slew of good social practices which were based on the corner stone of community Hygiene. While we have not included any formalresearch based reports in this article, most of them have been researched individually on one occasion or the other. Truly then, when the world through its leadership has not only endorsed but embraced the Indian tradition systems we can proudly say that “Oxford has turned Orthodox*” where the term Oxford is used to depict/represent a set of established occidental or western practices over the last couple of centuries across the globe. *Word Orthodox used to mean and representas shown in Google as: ‘following or conforming to the traditional or generally accepted rules or beliefs of a religion, philosophy, or practice.’

Continuation from last quarter

Tips for parents Develop bond

Routine

• Set aside speciﬁc times during the day to work with your child. Let this time be for you and your child alone.

• Provide organization to your child’s life. Try to avoid confusion and clutter at home.

• Listen to your child . Be there when he or she needs your help. • Relax with your child. Enjoy your time together. • As the father , make sure you spend speciﬁc time with your child . Just going for a walk alone, playing some sports or just discussing the day with the child helps.

• Help your child plan what time to get up , when to do homework, when to take bath etc. Study method ( working on strengths) • If a task is too difficult for your child , move to something easier. Then come back to the first task after changing it so that your child can succeed. • When your child is capable of doing a task, gently insist he finish it.

• Be aware of your child’s abilities as well as his weaknesses. Don’t continue using tasks that are too easy for your child. There should be some challenge to hold your child’s attention. • Start with short work periods and gradually increase them. A good rule is to stop when your child is in peak of success. Don’t push him to the point of failure. Behaviour management • Be as objective and patient as you can. Speak to your child in a quiet ﬁrm voice. • Make commands and or directions short and simple • Praise your child even for the smallest success. Do not emphasize failures. • Do not reward misbehaviours. The reward is usually sought and is given attention. Therefore do not pay attention to your child when he misbehaves. • Be consistent in enforcing rules. Explain each rule to your child and discuss the consequences for breaking it. • When punishment is necessary, let it be a natural consequence of the behaviour. For example if your child writes on the wall a logical punishment is to have the child wash off the marks. You might ask your child to suggest what the punishment should be. Games • Physical activity like martial arts, lawn tennis or

any other game helps to release the tension and frustration in the child and hence should be encouraged. Music • Music helps. Play classical music while studying. Language processing goes on in the left hemisphere of the brain with some input from the right hemisphere. Music is processed in the right hemisphere. By occupying the right hemisphere with music, you allow the left hemisphere to process language without wandering. The music must be without lyrics. Lyrics interrupt processing in the left hemisphere. Working on weakness • Be honest with your child. Don’t say nothing is wrong. No one knows better than your child that there is something wrong with the way he learns. • Take a positive approach. There is help. You can learn. Learning might seem slow for a while. But I am in this with you. • Be easy on yourself. You didn’t create your child’s learning difﬁculties. You can’t handle everything at once. You are human. Sometimes you won’t have the patience to work with your child. Sometimes you feel like giving up. Please don’t . Feel free to ask for help when you need it . Talk regularly with other parents with children having behaviour challenges. Remember you are not alone in this either.

Guidelines for Teachers to be followed in the School • Teacher to ensure that the child is seated in the front row of the class and is able to view the blackboard clearly with the maximum attention of the teacher. Teacher to take special care that the child has understood the concept and is able to express independently ( orally & written). • The child should be seated with another sensitive and helpful classmate for peer guidance. • Positive reinforcement and encouragement should be given to the child’s efforts. • Encourage the child to participate in extra – curricular activities in the school to boost his/her self confidence. • While evaluating the examination answer sheets other than the language, content should be evaluated. No marks should be deducted for spelling mistakes. Oral evaluation can also be considered. • The Regular feedback about the child’s performance should be given to the parents.

• The invigilator should explain the questions in simple words and clear the doubts related to the question only. • Third language exemption, i.e. exemption from Sanskrit/German/French will also be granted to these children. The children will however attend these classes/periods. • To avoid Liberal use of red ink in the notebooks of such children. • The promotion committee to adopt a lenient view towards such children at the time of result discussions. • Teachers to maintain confidentiality of the child’s problem. • Any form of segregation of such children should be avoided. • To kindly appraise all the subject teachers about the concessions granted and all the above are for their compliance too.

Rights given by CBSE • Learning Disabled children have the option of studying one compulsory language as against two. This language should be in consonance with the overall spirit of the Three Language Formula prescribed by the Board. Besides one language, any four of the following subjects be offered:- Mathematics, Science, Social Science, another language, Music, Painting, Home Science and Introductory Information Technology. • Learning Disabled student appearing for the Secondary school Examination is permitted to use an amanuensis and shall be allowed an additional one hour (60 minutes) time for each paper

THE RIGHTS OF PERSONS WITH DISABILITIES ACT, 2016 Every appropriate Government shall appoint in every Government establishment, not less than four per cent. of the total number of vacancies in the cadre strength in each group of posts meant to be ﬁlled with persons with benchmark disabilities of which, one percent. each shall be reserved for persons with benchmark disabilities under clauses (a), (b) and (c) and one per cent. for persons with benchmark disabilities under clauses (d) and (e), namely:—

Categories (a) blindness and low vision; (b) deaf and hard of hearing; (c) locomotor disability including cerebral palsy, leprosy cured, dwarfism, acid attack victims and muscular dystrophy; (d) autism, intellectual disability, specific learning disability and mental illness; (e) multiple disabilities from amongst persons under clauses (a) to (d) including deaf-blindness in the posts identified for each disabilities: The appropriate Government by notification, make schemes in favour of persons with benchmark disabilities, to provide,— (a) five per cent. reservation in allotment of agricultural land and housing in all relevant schemes and

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development programmes, with appropriate priority to women with benchmark disabilities; (b) ﬁve per cent. reservation in all poverty alleviation and various developmental schemes with priority to women with benchmark disabilities; (c) ﬁve per cent. reservation in allotment of land on concessional rate, where such land is to be used for the purpose of promoting housing, shelter, setting up of occupation, business, enterprise, recreation centres and production centres.

Private sector reservation The appropriate Government and the local authorities shall, within the limit of their economic capacity and development, provide incentives to employer in private sector to ensure that at least five percent of their work force is composed of persons with benchmark disability. Children with dyslexia are found in every classroom and at every school. The CBSE/ ICSE/ some state boards/ NIOS accept certification of learning disability from government hospitals/ government approved institutions. The certification authority comprises of chief medical officer/ medical officer and registered psychologists and occupational therapists. Only then change of subjects in 10th and 12th boards and admission in reserved category in higher educational institutes are possible and allowed. Dr Rajiv Nandy is a Senior Consultant Child & Adolescent Psychologist and also a Pediatric Occupational therapist. He is also a doctorate in learning disability. He is the Founder & chairman of Shristi institute for child & adolescent mental health, a leading mental health institute in Delhi & Ghaziabad. He is a recognised faculty for Rehabilitation Council of India ( RCI) for its courses in Autism, learning disabilities and other developmental disabilities. He is also the Founder & Director of Sensorium learning centres established at various schools in Delhi & NCR. He is also the Founder Chairman of Sociolympics, an international movement for promotion of mental health through visual & performing arts. He can be reached at rajivnandy19@gmail.com or 9810021054.

CUSTOMER CARE IN

HOSPITALITY

When it comes to customer care, Hospitality is way ahead from other industries. The perception of good service or customer satisfaction is based on delivery and quality of goods or services on time and up to the expectation of the customer is considered as great deal. Hospitality is beyond that, it doesnâ&#x20AC;&#x2122;t only take care of the need of guest but also cater to the emotions of their guest. The thin line between need and emotion creates a great difference between in satisfaction level hospitality and other industry.

As promised in my last article I will share a story of the Taj Hotel where we saw the guest breaking down in tears of pleasure in their eyes for the gesture by the hotel authority, that made them feel so special and exceeded their highest expectations. I remember my days in Taj Hotels, we used to have many overseas guest staying with us for months and years together for their projects in India. Staying away from home, family and loved ones in a different country with people of different language and culture makes a person

feel out of their world. Though it’s not the business of other industries but as hotels are called a home away from home, many of hotel companies really mean it and try to make the guest feel as comfortable as home. One incident that I remember is from my Taj days,when we had along stayer guest from Australia staying with us and it was his marriage anniversary which the hotel decided to celebrate, but as a surprise to the guest. While he was out on work the entire arrangement was made a room service. Trolley was readied with anniversary cake with the name of the couple on it and a bottle of champagne, ﬂower bouquet, rose petals and music. His wife was contacted in a day advance and she was told about the celebration and requested for her Skype id and to keep it up to her as the hotel wanted to give a surprise, she was also asked about her comfort as there is a time gap between India and Australia and she was found happy, interested and excited too. As soon as the guest returned from work at around 4:30 p.m. the guest relation executive called the guest and seek an appointment in half an hour, she also suggested the guest as he has just come back from the work he can freshen up and the duty manager w i l l see him in his room once the guest c a l l s back.Meanwhile his wife was contacted and she was told that there will be Skype call made once we stand outside the room to greet him. At 5 o’clock the guest called the Front Desk and said that the Duty Manager can come now. A team of 8 people along with duty manager guest relation executive bell boys room service executive hostess and waiters stood out side the room, ﬁrst the Skype call was made to his wife and once his wife appeared on the screen, the door

was knocked, keeping the laptop facing towards the door so that the ﬁrst thing that the guest sees is his wife on a Skype call. The moment you open the door It was a pleasant surprise for him when he saw a team of 8 people standing outside and the laptop screen with his wife and kids live on Skype all wishing the couple loudly “a very happy anniversary to Mr and Mrs Collin. ”The couple literally broke down in pleasure & they had tears running down their cheeks even we too got emotional and the kids were happy and smiling.The most lovely part was the 2 tear old kid trying to grab cake from in the video call. The way the couple was thanking us and the gentleman hugging each of us and showing his gratitude could only be understood it can’t be expressed in words. He said who says I am away from family I am here as a member of Taj family. His wife also spoke to each one of us showed her gratitude and said that I am happy and relaxed to see that my husband is not alone there, he is there with his wonderful family. Though this story isfrom Taj Hotels, but I have experience similar gestures by hotels w h i l e working with ITC Hotel, Grand Hyatt, Sarovar Hotels and few more. No industry can match the care of customer that hotels practice.

BEWARE OF

EXTRA INCOME SPECIALLY DURING

During times like Stay Home and Lock Down you spend more time on the Net!!! IS YOUR NET TIME TARGETTED BY EXTRA INCOME & RETIRED RICH ADS? BEWARE-YOU MAY BE CHEATED?? *Agreed that on usual days you would not cast a second glance at them, but one cannot with loads of free time on hands you may be tempted to venture into a wee bit of moonlighting.

FRADULENT

ONLINE ADS LOCKDOWN.

BE SAFE THAN BE SORRY ABOUT A

PROMINENT TEMPTING OFFER APPEARING EVEN ON VERY POPULAR NEWS SITES • A frequent link you encounter that appears in your net browsing is

“Online Cash Program” • Advertised on prominent web sites. • Resolves to a site which has a near familiar name like country’s leading news site. (Careertimes.com resolving from timesofindia.com can make believe many that it is a Times of India website. We tried our best and could not establish if it was. ) • Enclosed visuals show the details-the site resolves to a non descript and facebook look alike site. (www.freshersvista.com.) • For a working from home opportunity-Why

a Starter kit?*

should you pay for

There are consumer cases filed on this company

-please see the visuals. As you click on the above link you get directed to another link which is most probably outside of the above news portal’s page and domain but appears very similar to such as the one shown below.

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dksjksuk ls vFkZO;oLFkk y‚dMkmu tSlk fd ge lc tkurs gSa dksjksuk us iwjh nqfu;k dks ladV esa Mky fn;k gSA nqfu;k ds djhc 200 ns'k bldh pisV esa vk pqds gSaA yk[kksa yksx dksfoM&19 ls laØfer gks pqds gSaA gtkjksa yksxksa dh ekSr gks pqdh gSA bldk laØe.k yxkrkj c<+rk gh tk jgk gSA ;g ok;jl yksxksa dks chekjh ls dgha vf/kd vkfFkZd :i ls ekj jgk gSA nqfu;k dh cM+h&cM+h vFkZO;LFkk,a dksfoM&19 ds lkeus ureLrd gSaA Hkkjr dh vFkZO;oLFkk rks igys ls gh ladV esa gSA bldh lcls T;knk ekj xjhcksa ij iM+ jgh gSA fo'o cSad us psrkouh nh gS fd iwohZ ,f'k;k ds reke ns'kksa dh CustomerAwaaz

vFkZO;LFkk,a rckg gks tk,axhA ,f'k;k esa yk[kksa yksx xjhch ds dqpØ esa Qal tk,axsA fo'o cSad us viuh rktk fjiksVZ esa dgk gS fd iwohZ ,f'k;k ç'kkar {ks= esa bl o"kZ fodkl nj 2-1 Qhlnh jg ldrh gS tks 2019 esa 5-8 Qhlnh FkhA fo'o cSad dk vuqeku gS fd ,d djksM+ 10 yk[k ls vf/kd yksx xjhch ds nk;js esa vk tk,axsA tcfd igys vuqeku Fkk fd bl o"kZ fodkl nj Bhd jgsxh vkSj 3-5 djksM+ yksx xjhch js[kk ls Åij vk tk,axsA Hkkjr ljdkj us bl fLFkfr ls fuiVus ds fy, ,d vkfFkZd

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ljdkj dh bu ?kks"k.kkvksa dh lHkh us rkjhQ dh gSA ysfdu fpark ;gha [kRe ugha gks tkrhA ljdkj us tks 1-70 yk[k djksM+ ds jkgr iSdst dh ?kks"k.kk dh gS] oks ns'k dh dqy thMhih ds ,d Qhlnh ls Hkh de gSA blls ns'k dh vFkZO;oLFkk dks laHkkyuk ukeqefdu gSA

iSdst

dh ?kks"k.kk dh gSA foÙk ea=h fueZyk lhrkje.k us vFkZO;oLFkk dks jkgr nsus ds fy, ftu vkfFkZd mik;ksa dh ?kks"k.kk dh gS] muesa rdjhcu lHkh oxksaZ dks 'kkfey fd;k x;k gSA ,d vuqeku ds eqrkfcd egt 21 fnu ds y‚dMkmu esa Hkkjr ds dqy mRiknu esa 37 Qhlnh dh deh vk tk,xhA tks fd ns'k dh dqy thMhih esa 4 Qhlnh dh deh dj ldrk gSA bl ckr dk egt vuqeku gh yxk;k tk ldrk gS fd ;fn ;s y‚dMkmu yEck pyk rks fQj ;s fdruk xaHkhj ladV gksxkA blds lkFk gh oSf'od fodkl nj esa fxjkoV Hkh Hkkjr dh vFkZO;oLFkk dks çHkkfor djsxhA ljdkj dh ?kks"k.kk,a yksxksa dh enn ds fy, ljdkj us reke ?kks"k.kk,a dh gSaA ljdkj djhc 80 djksM+ yksxksa dks rhu eghus ds fy, eq¶r vUu nsxhA ih,e fdlku ;kstuk esa 'kkfey djhc 7 djksM+ fdlkuksa dks foÙk o"kZ 2020&21 dh 2000 :i;s dh igyh fd'r vçSy esa ns nh tk,xhA ç/kkuea=h tu /ku ;kstuk dh efgyk [kkrk/kkjdksa dks vkxkeh rhu eghuksa ds nkSjku çfr ekg 500 #i, fn, tk,axsA vkxkeh 3 eghuksa esa 8 djksM+ xjhc ifjokjksa dks xSl flysaMj eq¶r esa fn;s tk,axsA ljdkj vxys 3 eghuksa ds nkSjku yxHkx 3 djksM+ o`)tuksa] fo/kokvksa vkSj fnO;kax yksxksa dks 1000 #i, nsxhA eujsxk etnwjh esa 20 : çfrfnu dh c<+ksrjh dh xbZ gSA blls djhc 62 djksM+ yksx ykHkkfUor gksaxsA efgyk Lo;a lgk;rk lewgksa ds fy;s dksysVjy Ýh yksu nsus dh lhek 10 yk[k ls c<+kdj 20 yk[k #i, dh tk,xhA blds vykok ljdkj us deZpkfj;ksa dks vius bZih,Q [kkrksa ls dqy tek jkf'k ds 75 Qhlnh ;k rhu eghus dk osru] tks Hkh de gks] rd ,Mokal ysus dh vuqefr nh gSA blds rgr pkj djksM+ deZpkfj;ksa dks ykHk feysxkA jkT; ljdkjksa ls Hkh dgk x;k gS fd oks Hkou ,oa vU; fuekZ.k Jfedksa dh lgk;rk ds fy, ^Hkou ,oa vU; fuekZ.k dks"k* dk mi;ksx djsaA blds rgr djhc 3-5 djksM+ etnwjksa dks ykHk feysxkA ns'k ds lkeus xaHkhj ladV

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ns'k esa djksM+ksa ,sls deZpkjh vkSj etnwj gSa tks u rks bZih,Q esa iath—r gSa vkSj u gh ^Hkou ,oa vU; fuekZ.k dks"k* ds rgrA tkfgj gS bu yksxksa dks ljdkj }kjk ?kksf"kr vkfFkZd enn dk ykHk ugha fey ik,xkA e/;e oxZ ds fy, Hkh ljdkj us dksbZ fo'ks"k ?kks"k.kk ugha dh gSA ,e,l,ebZ tks fd Hkkjr dh vFkZO;oLFkk dh jh<+ gS] ds fy, Hkh dksbZ jkgr ugha nh xbZ gSA ,sls esa vkus okys fnuksa esa ns'k xaHkhj vkfFkZd ladV dh vksj c<+ jgk gSA D;k djuk pkfg, deZpkjh Hkfo"; fuf/k ls iSls ,Mokal ysus dk vHkh mUgh Jfedksa dks ykHk feysxk] ftudh vk; 15000 ls de gSA reke vkfFkZd fo'ys"kdksa dks eqrkfcd bls 25000 rd c<+k fn;k tkuk pkfg,A ljdkj ds [kpsZ ij rks bldk dksbZ çHkko ugha iM+sxk ysfdu blls cM+h la[;k esa dpkZfj;ksa dks doj fd;k tk ldsxkA blh çdkj efgyk tu /ku [kkrk/kkjdksa dks çnku dh tk jgh jkf'k Hkh c<kbZ tkuh pkfg,A fQygky efgyk tu /ku [kkrk/kkjdksa ds [kkrs esa ljdkj vkxkeh rhu eghuksa ds fy, çfrekg 500 #i, MkysxhA y‚dMkmu ds dkj.k NksVs&cM+s lHkh fuxe çHkkfor gq, gSaA ljdkj dks bu fuxeksa ds fy;s Hkh fo'ks"k iSdst dh ?kks"k.kk djuh pkfg, rkfd ;s vFkZO;oLFkk dks vkus okyh vkfFkZd eanh ls mckjus esa ;ksxnku ns ldsaA ljdkj dks ek/;e oxZ dh enn Hkh djuh pkfg,A ,e,l,ebZ ds fy, fo'ks"k vkfFkZd iSdst dh ?kks"k.kk Hkh dk tkuh pkfg,A ,slk yxrk gS fd ljdkj vius fu/kkZfjr ctV ds vanj gh lHkh mik; djuk pkgrh gSA tcfd oSf'od egkekjh dh le;lhek fu/kkZfjr ugha gSA tkfgj gS ljdkj dks dHkh u dHkh vius jktdks"kh; ?kkVs dh lhek dks rksM+uk gh gksxkA

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SMAERT CITIES

A Perspective

Ravi Kumar Jagarlapudi Expert Embedded Systems

Smart City refers to a geographical area and life style of the people to make the life easy and automated. First of all, the project to make “Smart City” mainly aims at the utility sector such as Transportation, Oil & Gas, water and electricity. Smart metering for measurements and record, safety of the people in various areas of livelihood, smart banking etc. Smart city also aims at the automation of cleanliness and sanitation. Internet of Things (IoT) is implemented in all the areas of monitoring and control to make the life easy. Therefore, the ideology of Smart City may differ from region to region. This further depends on other factors such as the level of development, availability of resources, willingness to change and reform and the aspirations of the people of the city. For example, the idea of smart city in India is different than what is for Europe. There are some basic guidelines required to steer cities into this mission. Any citizen of India will have a list of desired infrastructure and services that ﬁt their idea of a smart city. It is these desired elements that the urban developers try to provide for by creating the smart eco-systems, which is deﬁned by the following characteristics:- institutional, physical, social, and economic infrastructure. Keeping this as the long term goal, we can add layers of “smartness” by creating similar infrastructure incrementally. Smart Cities Mission or Smart City Mission is a program initiated by the Indian Government aiming to establish at least a hundred viable smart cities throughout the country. The responsibility lies with the Union Ministry of Urban Development to ensure the implementation of the mission with the help of state governments of the respective cities.

Smart City Features Some typical features of comprehensive development in Smart Cities are described below: * Encouraging efﬁcient land use by planning for “unplanned areas” consisting of a wide range of suitable tasks and land uses close to one another. The states may build appropriate bye-laws to boost the development. * Housing and inclusiveness – opportunities for housing to everyone; * Creating walkable localities –reduce congestion, air pollution and resource depletion. road network not only for vehicles and public transport, but also for pedestrians, cyclists etc., and necessary administrative services are offered within walking distance; * Preserving and developing open spaces - parks, playgrounds, and recreational spaces, promote eco-balance; * Promoting a variety of transport options - Transit Oriented Development (TOD), public transport and last mile para-transport connectivity; * Making governance citizen-friendly and cost effective - rely on online services to bring about accountability and transparency. Creating e-groups to obtain feedback and use online monitoring of programs and activities with the aid of cyber tour of worksites; * Giving an identity to the city - based on its main economic activity, such as local cuisine, health, education, arts and craft, culture, sports goods, furniture, hosiery, textile, dairy, etc; * Applying Smart Solutions to infrastructure and services in area-based development in order to make them better. For example, making Areas less vulnerable to disasters, using fewer resources, and providing cheaper services.

Implementation by Special Purpose Vehicle (SPV) Special Purpose Vehicle (SPV), speciﬁcally designed for the purpose of implementing the Smart City Mission, will be used to plan, monitor and evaluate the advancement of the projects. Each city will be provided with a SPV which will be led by a CEO and also consist of the nominees from the Central and State Government and ULB on its board. Their functions will be: * Ensuring that a substantial and continuous ﬂow of funds is made available for the SPV, so that it becomes self supporting and could raise its more resources from the market. * Ensuring that the government contribution is used to develop infrastructure, the outcomes of which should be enjoyed by the public. Some examples which could help achieve the same are joint ventures, public-private-partnerships etc.

Challenges The key factors which will determine the success of the city are intelligent leadership skills, and the ability to act decisively. Understanding the concepts of retrofitting, redevelopment and Greenfield development by the policy makers, implementers and other stakeholders at different levels will require capacity assistance. Major investments in time and resources will have to be made during the planning phase prior to participation in the Challenge. This is different from the conventional DPR-driven approach. The Mission requires smart people who actively take part in governance and reforms for the city. Citizen involvement is much more than a ceremonial participation in governance. Smart people involve themselves in the definition of the Smart City, doing more with less and oversight during implementing and designing post-project structures in order to make the Smart City developments sustainable.

Conclusion: Smart cities are required for the urban people to ease their life styles. This will create employment generation and revenue to the government. People will be peaceful by using the present technologies such as IoT. Once it is successfully enforced, then it can be reproduced in other cities as well. About the author This article is the 13th in the series authored specially for CustomerAwaaz by Mr. Ravi Kumar Jagarlrapudi an expert in the ﬁeld of Embedded systems and internet of things. As India is rapidly embracing digital technology in all forms of life civilian’s personal as well as governed public life, embedded systems in the form of surveillance and IoT continues assuming larger signiﬁcance. This edition specially focuses on Internet and Smart enabled homes which are on the demand these days and are also being offered vividly by many real estate builders.

STUDENTS

â&#x20AC;&#x2122; V O IC E

E L B A W E N E R ENERGY

Energy resources are the elements utilized in production of electricity and power. Without such resources, it wouldnâ&#x20AC;&#x2122;t take long to render life extinct and any progress achieved till now would become completely obsolete. But with the extensive use of such resources, there comes the problem of depletion, exhaustion, environmental degradation and pollution. Usage of conventional energy resources such as coal and petroleum is increasing exponentially. As statisticians and scientists have evaluated, the reserves of fossil fuels would be completely exhausted by the next century. The fact that exhaustion of such resources would be disastrous to mankind is disturbing and worrying. This crisis can only be averted when we take steps to change our primary source of energy to renewable energy, which, by definition, is apparently abundant and non-exhaustive.

Sources such as hydropower, wind, solar, geothermal and tidal power are collectively termed as RENEWABLE SOURCES due to their non -damaging properties and the fact that they are… “re-newable”! The reason for their unpopularity and sparse usage is that they are not cost effective. But mankind seems to forget that cost should be the least of worries among the numerous problems that face our mother earth. A proud fact to be noted is that India has pledged to install 175 gigawatts of renewable energy capacity by 2022 as part of a commitment under the Paris climate agreement and currently it has already installed 80 gigawatts capacity. This action speaks for itself. The benefits of these changes will be immense economically, environmentally, and globally, leading to production of clean energy and prevention of using up the natural resources and saving them for important functions. In conclusion, the quote ‘’The spirit of growth represents change, but the spirit of development represents betterment ‘’ sums up the agreement and insistence upon establishing usage of renewable energy resources.

12 6

The

UARTER

Past

Under this section we have tried to capture those tidbits of news, and which can create an impact. Trump’s Visit to India

President Trump’s visit to India on the 24th of February was highly anticipated. On the ﬁrst day of his visit, he was welcomed with the “Namaste trump” slogan and there were cultural programs. After this program they went to Agra to visit the Taj Mahal. On the second day, he attended few bilateral meetings where they discussed about various topics pertaining to both nations’

interests which included trade and geostrategic issues, mainly over China's 'expansionist' policies in Indian Ocean. They signed a deal of India's purchase of $3bn-worth of US helicopters.India's Prime Minister Narendra Modi also promised to cooperate more on regional security.

The COVID-19, better known as Corona Virus, has taken the entire world by surprise and has been claiming casualties all over the world. The virus,believed to have originated from Wu-Han in China, has now spread almost all over the world, claiming high number of casualties. Italy and Iran seem to have taken the brunt of the spread of the disease after China of course, and it spreading into many other countries as well, including India.

Corona Virus

Though India managed to control the outbreak of the virus (declared pandemic by WHO) in the ﬁrst few weeks but due to lack of seriousness of public, the disease has been spreading exponentially.The government has also given permission to private labs to run tests for COVID-19 to increase the quantity of people being tested which would also help in controlling the virus more effectively. PM Modi had announced the observation of Janata Curfew on 22nd of March, which seemed to be going on exceptionally well until the clock hit 5 pm, and many people started pouring out in the streets as if they’re celebrating a festival. The govt. also undertook an extreme measure by to putting the whole country on lockdown for 3 weeks starting on 25th March to 14th April, prohibiting people to come out of their houses unless they want to buy essentials.The Home Ministry said that anyone who fails to follow the restrictions can face up to a year in jail.

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The government, understanding that in the current situation the people might be in economic distress, announced relief package of 1.7 lakh crore for pooralong with insurance cover for frontline medical personnel. also taken some measures for example easing minimum balance norms for savings accounts and postponing of tax deadlines etc..

Tanhaji: The Unsung Warrior

Based on the life of TanajiMalusare, a 17th-century Maharashtrian Marathi military leader, the large-scale action drama movie revolves around the circumstances in which Tanhaji freed the Kondhana fort from the Mughal rule and his demise. With amazing direction and attention grabbing visuals like the arrow headed in audience’s direction and the mountain climbing scenes, it took the theatres with

storm and became of the top earning movies in a very short amount of time. It’s also after a decade or so, that Ajay Devgn and Kajol return together to the big screen with this blockbuster, along with Saif Ali Khan who plays the ferocious villain remarkably well.

According to CBI Report, the scam had already taken shape somewhere in between April and June, 2018 when Yes Bank invested ₹3,700 crore in short-term debentures of the scam-hit DHFL.

Yes Bank Scam

The official statement said“The CBI had carried out searches at seven locations in connection with the Yes Bank scam pertaining to the ₹600 crore alleged bribe to the family of its co-founder Rana Kapoor by DHFL”. Teams of CBI officers were carrying out operations at the residence and official premises of the accused in Mumbai. The allegations state that Kapoor had entered into a criminal conspiracy with Kapil Wadhawan, DHFL promoter, for extending financial assistance to DHFL through Yes Bank and he may gain some substantial undue benefits for himself.

Maharashtra Elections

The Supreme Court heard the petition ﬁled by BJP national vice-president and former CM Shivraj Singh Chouhanalong with the other members seeking directions for a ﬂoor test to be held immediately in the Madhya Pradesh assembly. “The current government in Madhya Pradesh will certainly fall. Today, the Bharatiya Janata Party has the required numbers to form the

government," Chouhan said. The BJP had moved the Top court demanding an urgent trust vote in the assembly after Speaker had adjourned the session. Meanwhile, the 22 Congress MLAs from Madhya Pradesh said “We were in Bengaluru willingly and are still deciding on the next course of action”. The Congress party though, sought re-elections in Madhya Pradesh, before any ﬂoor-test that was to be conducted in the politically unstable state, in a hearing on the matter in the Supreme Court.

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The Union Cabinet in February approved the Surrogacy (Regulation) Bill, 2020, which allows any "willing" woman to be a surrogate mother and proposes that widows and divorced women can also beneﬁt from its provisions, besides infertile Indian couples.

Surrogacy Ammendment Bill

Union minister Prakash Javadekar said “The bill constitutes of all suggestions made by a Rajya Sabha select committee, which studied an earlier version of the draft legislation, and is aimed at banning commercial surrogacy and allowing altruistic surrogacy.” Union minister for women & child developmentSmriti Irani said the bill also proposes that only Indian couples can opt for surrogacy in the country. She also stated that PM Narendra Modi has led everyone with a liberal view on the issues of Assisted Reproductive Technology Regulation Bill also known as the surrogacy bill.

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The liquidity coverage ratio (LCR) of the bank has further increased to 140% end December 2019 from 133% end September 2019 with the continuous focus on deposits, which has impacted the net interest income growth of the bank. Net interest income growth moderated to 13% to Rs 14172.90 crore. The net interest margin of the bank was steady on sequential basis. Its interest income rose at 13% to Rs 29369.72 crore, while interest expenses also rose at 14% to Rs 15196.82 crore. The Bankâ&#x20AC;&#x2122;s total Capital Adequacy Ratio (CAR) as per Basel III guidelines was at 18.50% as on December 31, 2019 (17.50% as on September 30, 2018) as against a regulatory requirement of 11.075%. The bank has exhibited sharp decline in ratio of risk weighted assets to assets to 68.2% end December 2019 from 72.7% end September 2019 on account of better mix of assets, improved market risk, ratings improvements, incremental lending to public sector units etc.

Investing market

HDFC BANK LIMITED TARGET: 1385 The ďŹ nancial performance of the bank remained healthy during Q3FY20 as compared to its peers and management expects retail segment would play vital role to sustain its credit growth and core net interest margin. Advances grew by 20% end December 2019 over December 2018. The domestic retail loans grew at slower pace of 14%, while wholesale loans jumped 27%. Overseas advances constituted 2% of total advances compared with 3% end September 2019. CASA deposits of the bank increased at accelerated pace of 22% with savings account deposits rising 18% to Rs 277928 crore and current account deposits jumping 29% to Rs 143900 crore.

Provisions were quite high on the back of contingent provisions in various sectors, NBFC/HFC and change in accelerated provisioning on unsecured NPA book and business growth was slower than usual run rate but the NIM proďŹ le remained stable and in a broad range. The management sees NII growth remained strong on loan mix towards retail growth. The bank hopes to bring the cost-to-income down by 300- 400 basis points over the next few years mostly through digitizing processes and digital marketing initiatives. As of December 2019, the Bank's distribution network was at 5345 banking outlets and 14533 ATMs / Cash Deposit & Withdrawal Machines (CDMs) across 2787 cities / towns as against 4963 banking outlets and 13407 ATMs / CDMs across 2727 cities / towns as of December 2018. Of the total banking outlets, 52% are in semi-urban and rural areas. In addition, the bank has 3421 banking outlets managed by the Common Service Centres. Number of employees were at 113981 as of December 2019 (as against 96425 as of December 2018).

Operating performance of the bank remains strong and doing better than industry average during current quarter and management expects core operating performance continues to be strong. As per management, retail assets, insurance and better business mix strategy would be key drivers of fee. Moreover, it is looking to diversify funding towards increasing institutional funding as well. Overall, it has increased focus toward garnering deposits. Thus, it is expected that the stock will see a price target of Rs.1385 in 8 to 10 months time frame on current P/Bvx of 3.85x and FY20 BVPS of Rs.359.70.

bounce back in the coming quarters on account of pyramid rationalisation and control on subcontracting expenses. Further, margin of the retail and BFSI verticals would improve with the return of growth in the respective verticals. Total employees count as end of Dec 2019 was 446675 with net addition for 9mFY20 being 22390 associates. The LTM attrition in IT services is 12.2%. The hiring in Q3FY20 moderated after spiking in hiring in Q2FY20. Having on boarded over 30000 trainees in H1FY20, the company has worked on driving up utilisation in Q3FY20 and had good outcomes.

TATA CONSULTANCY SERVICES LIMITED TARGET: 2456

The company is well positioned to beneﬁt from the growing demand for digital technology. Further, the company is well placed from a competitive perspective, especially in newer technologies. A stable management along with the ability to structure large multi-service deals and resilient margin performance would help TCS maintain its growth trajectory in the long term. Thus, it is expected that the stock will see a price target of Rs.2456 in 8 to 10 months time frame on target PEx of 26x and FY21 EPS of Rs.94.45.

Tata Consultancy Services Limited (TCS) is engaged in providing information technology (IT) services, digital and business solutions. The Company's segments include banking, ﬁnance and insurance services (BFSI); manufacturing; retail and consumer packaged goods (CPG); telecom, media and entertainment, and others, such as energy, resources and utilities, hi-tech, life science and healthcare, s-Governance, travel, transportation and hospitality, and other products. The company reiterated its focus on investing heavily in up skilling mid-level employees. In addition, it was also indicated that attrition is not being looked at as a management tool.

BRITANNIA INDUSTRIES LIMITED TARGET: 3535

During Q3FY20, the company's order book for the quarter was at $6 billion. Pipeline of orders continue to be strong and well distributed in-terms of sub vertical and geography. The number of $100 million clients remained ﬂat on a sequential basis during the quarter, with total clients to 47. The number of $50 million clients increased by one on a q-o-q basis and by three on a y-o-y basis. The number of clients under the $20 million client bucket increased by seven on a sequential basis.

Britannia Industries (BIL) is one of India's leading food companies. Britannia's product portfolio includes biscuits, bread, cakes, rusk, and dairy products including cheese, beverages, milk and yoghurt. BIL has a presence in more than 60 countries across the globe. The company has strengthened its brand equity through focused campaigns and invested in building capabilities & structures for both its base business & strategic business units to drive future growth. With a focus on tightening belt in this phase of low growths, the management of the company has accelerated the cost efﬁciency initiatives to maintain the shape of business.

The management believes EBIT margin would

The company is ramping up its network and has

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21.3 lakh outlet and 20000 rural distributors. It would continue to expand its distribution reach with newer offerings like milk shakes, salty snacks, crossaints and cream wafers etc. by improving visibility and launching the same across various states country. It currently owns 10 manufacturing and has continuously upgraded capacities at its plants over the years incurring a cumulative capex of Rs. 1,440 crore over the four ﬁscals ending FY2019. The management of the company intends to in-house the entire dairy manufacturing (with focus on value-added dairy lines like cheese, milk shakes etc.) at its Ranjangaon plant over the next two years at a total cost of Rs. 500 crore and capex is expected to partially funded by debt. Meanwhile Ranjangaon Food Park has become fully operational with 12 Lines with the total capacity of 140,000 TPA. Presently it has 8 biscuits lines, 2 cake lines, 1 Croissant line and 1 salty snack line. In addition to that the greenﬁeld dairy capex it is also expected to incur capex of Rs. 400-500 crore per annum to maintain, upgrade and enhance capacities at its existing plants. During Q2FY20, domestic volume grew by 3% on the back of distribution expansion, gaining traction from new products and market share gain. The management of the company expects double digit growth in its overall business and in line with that planning to more investment in brands to wide its distribution network through focus on direct reach. It has made continued focus on its premiumisation & Innovation journey and revamp of its portfolios. Thus, it is expected that the stock will see a price target of Rs.3535 in 8 to 10 months time frame on a one year average P/Ex of 52x and FY21 EPS of Rs.67.99.

VARDHMAN TEXTILE LIMITED TARGET: 1151 Vardhman Textiles Limited, is the ﬂagship company of the Vardhman Group, is an integrated

textile manufacturer. The Company is engaged in manufacturing of cotton yarn, synthetic yarn, woven fabric, sewing thread, acrylic ﬁber, tow and garments. The Company's segments include Textiles and Fibre. It is one of the largest textile companies of India, manufacturing cotton yarns and fabrics with a capacity of over 1.1 million spindles, constituting about 2% of the country’s yarn production; 1,482 looms for weaving of fabrics; and 146 lakh metres per month of fabric processing capacity. It has in place a strong, capable and experienced management team delivering results that drive the company ahead. VTL is currently implementing a capex of Rs. 2,000 crores with a target of completing it by 2020. This capex involves, on the yarn front, setting up of about 100,000 spindles and on the fabric side, setting up of its third processing line at Budhni and 275+ looms. In spite of being in a capital intensive business, Vardhman has continuously maintained debt equity ratio below 1 and it has also a strong balance sheet that would enable it to pursue calibrated growth opportunities. Its Research and Development (R&D) units situated at all manufacturing centres work towards development of new products along with improvement in the existing production process and quality of products. It has also collaborated with some of the best technology players in the world and developed a strong in-house technical team that plays an instrumental role in helping the company emerge as a ‘technology forward’ entity. The company has constantly strived to improve operational efﬁciency, increase internal wellbeing and actively contribute to community while reducing environmental footprint to sustain business for the long term. The management of the company is planning to increase market share with larger clients by expanding product offerings over long term. Its investments in R&D enable to build a portfolio that takes into consideration the demand of the customers as well as cost advantage. The company has been formulating its strategic priorities

in tune with global market trends and future requirements. Thus, it is expected that the stock will see a price target of Rs.1151 in 8 to 10 months time frame on three year average P/Ex of 9.85x and FY21 earnings of Rs.116.89.

ALEMBIC PHARMACEUTICALS LIMITED TARGET: 756 Alembic Pharmaceuticals Limited is engaged developing formulations and active pharmaceutical ingredients (API). The Company focuses on anti-infective, analgesic and, cough and cold therapies. It also focuses on therapies, such as cardiology, diabetes, gynecology, gastrointestinal, orthopedic, dermatology and ophthalmology. The company has presence in key markets of Europe, Canada, Australia, Brazil and South Africa. The company’s business will focus on new launches across key markets. The plants have been successfully audited by key regulatory authorities across the globe. Recently, it has received final approval from the US Food & Drug Administration (USFDA) for its Abbreviated New Drug Application (ANDA) Azithromycin tablets USP, 600 mg. The approved ANDA is therapeutically equivalent to the reference listed drug product (RLD) Zithromax Tablets of Pfizer. The company has received eight ANDA approvals during the quarter. It has launched seven products in Q3FY20. The management has guided for more than five launches in the last quarter of the year. For the India business, the management has guided that once the comparable base is corrected from the next year, the domestic business is expected to grow at 10-12 percent. The Debt/Equity is at 0.42 which gives sufficient cushion to the company, thereby, generating a return on capital of 36%. The entity has a diverse portfolio with steady pipeline of speciality medicines wherein the International formulation business grew 48% to Rs. 664 Crores for the

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Q3FY20 vis-à-vis the same quarter last year. During the quarter ended December 2019, company's revenue for the quarter was up 19% yoy at Rs.1209 cr from Rs.1018 cr. Net Proﬁt for the quarter up 38% yoy to Rs.234 cr from Rs.170 cr. The management expects 10-12% domestic annual growth from FY21 on the back of ongoing restructuring of distribution patterns. For the US, with the aggressive R&D and capex, the management has signalled its long term strategy for the next ﬁve to six years. This includes a foray into niche areas like oncology, injectables, derma, etc. Thus, it is expected that the stock will see a price target of Rs.756 in 8 to 10 months time frame on a one year average P/BVx of 3.75x and FY21 BVPS of Rs.201.72.

RITES LIMITED TARGET: 351 RITES Limited is a Miniratna (Category – I) Schedule ‘A’ Public Sector Enterprise and a leading player in the transport consultancy and engineering sector in India, having diversiﬁed services and geographical reach. The Company has an experience spanning 45 years and has undertaken projects in over 55 countries including Asia, Africa, Latin America, South America and Middle East regions. It is the only export arm of Indian Railways for providing rolling stock overseas (other than Thailand, Malaysia and Indonesia). Gross order inﬂow in Q2FY20 was Rs 507 crore up from Rs 473 crore in Q1FY20. The order book as end of Sep 30, 2019 thus stood at Rs 5833 crore (Rs 6052 crore as end of Jun 30, 2019) and of which turnkey orders were Rs 2369 crore, consultancy was RS 2474 crore, exports Rs 860 crore and Leasing Rs 130 crore. Leasing and Turnkey have continued its growth & achieved new peaks during Q2FY20. To continue the growth momentum, the company is planning to acquire 10 more locomotives to take the total locomotives for leasing operations to 70 numbers very soon.

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The management of the company expects to close the current fiscal with an order book of Rs 8000 crore with the company expect fresh order inflow from Exports, turnkey projects and consultancy. Exports have shown substantial increase in Q2FY20 due to continued exports of DEMUs and Locomotives to Sri Lanka. The company is developing prototype for passenger coaches for exports for various gauges apart from meter/broad gauges markets. The company is debt free and continues to be a zero-debt company with a strong liquidity position and improved operating margins. During Q2FY20, Consolidated sales was up by 66% and the operating profit was up by 39% to Rs 330.26 crore with 500 bps contraction in OPM to 25.7%. Eventually the net profit was up by 67% to Rs 339.29 crore. The company has decided to develop a prototype cape gauge passenger coaches. The revenue from turnkey construction projects has also increased by 53.7% over Q2FY19 and stands at Rs.179 crore. Other income has increased from Rs.39 crore to Rs.148 crore showing a growth of 278% in Q2FY20 over Q2FY19. The Company has been constantly profitable and during the September quarter, it has reported robust growth driven by growth in exports, turnkey works and leasing, besides consultancy segment continue to be the key segment. Its focus on exports has been productive and the management is seeing steady upward momentum from clients. Thus, it is expected that the stock will see a price target of Rs.351 in 8 to 10 months time frame on a one year average P/Ex of 13.36x and FY21 earnings of Rs.26.30.

ASTRO PREDICTIONS 1st April 2020 To 30th June 2020 Almost all of us wistfully browse through the weekly star forecast etc in our favourite Sunday magazine and try to find predictions around our areas of interest such as finance, real estate, career, Love, marriage etc. Some of us believe and most of us don’t but still that ring/s with a precious/semi-precious stone still adorns our finger/s and we like making a social statement that fdlh us ikik ls dg fn;k rks igu jgk gw¡A CustomerAwaaz is pleased to present to you some of the most accurate predictions that will be pertaining to you and will be specific to your horoscope through renowned Astrologer Mr. Bhavani Sanker Ivaturi. Jupiter in the 10th and Saturn in the 10th are neutral. Sun will be favorablefrom 15th of June. Venus is favorable. Mars will be favourable from May 5th to June end. Occurrence of favourable events are indicated during this quarter. Auspicious events will take place, money matters will be encouraging.Health will be good. Unexpected income is possible.Domestic life will be favourable.Students will have favourable results. Employees will most likely get an increase in their income and businessmen may ﬁnd many opportunities to expand their sphere.Women of the house may conduct a delightful household event.

Jupiter in the 9th house will be very favourable. Sun will be unfavourable throughout although Mars will be unfavourable. Saturn will be neutral.Venus in the 1st will be favourable. Mercury will be favourable from May 25th. Occurrence of favourable events are indicated during this quarter. Some of you may be tempted to achieve some results by committing some evil deeds to overcome the many obstacles, but you must not get tempted. Success can be achieved only after hard work. Employees will most likely get a promotion and an increase in their income. Those who are trying to buy land or house may ﬁnally ﬁnd success. Unmarried may soon tie the knot. Businessmen will have increase in their income.

Jupiter and Saturn both are in the 8th and unfavourable house. Venus in the 12 is unfavourable. Sun will be favourable from April 14th to May 14th.Mars is favourable from May 5th. During this period your health and the health of relatives will need attention. Journeys will feel very tiresome. There is indication that you may be separated from beloved ones. Money matters will be encouraging. Be cautious against legal matters. Students will have to work extra hard toachieve normal results. Employees need to be wary in their ofﬁce surroundings. Businessmen will not have a smooth period.

Jupiter in the 7th house is favourable and Saturn is neutral. Sun will be favourable from May 15th

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to June 15th.Mars is unfavourable. Venus is favourable throughout. During this quarter unmarried will have a favourable time. Health of a relative will cause anxiety. Domestic life will be smooth. There will be pleasant journeys. Students will have to work extra hard for normal success.Businessmen will thrive but there will be some unrest. Employees will most likely get an increase in their income. The image of politicians will be favourable.

Saturn in the 6th is favourable, Jupiter in the 6th is unfavourable, Mars will be favourable up to May 5th.Venus in the 10th house is unfavourable. Mercury will be favourable from May 25th.During this quarter you should be cautious against diseases. Obstacles are indicated. Success in property matters, rise in authority and rise in income are indicated. Students will succeed easily. Employees can expect rise in status. Businessmen will have a good period from June. Speculation is good from June. Politicians will be successful in their attempts.

Jupiter in the 5th will be favourable and Saturn in the 5th is neutral. Mars will be favourable from May5th to June end. Sun will be favourable from June 15th.Venus is favourable in the 9th.During this quarter Children will witness favourable results. Superiors will bring favourable speculation. Visiting of holy places and showing interest in spiritual matters is indicated. Students will succeed in their attempts. Auspicious events occur, health will be good.

Saturn and Jupiter both are unfavourable Mars is neutral and Sun will be favourable up to April

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15t only. Venus will be favourable.During this quarter health of spouse will be affected.Relatives also because anxiety due their health matters. Be cautious in property matters as loss in possible. Animals will cause sorrow. Students will have to put more effort for normal success. Water also may be a problem. Employees will have a favourable time.

Saturn in the 3rd is a blessing.Jupiter is unhelpful Mars will be favourable in April only. Sun will be favourable from April 14th to May 15th.Adventures will fetch gains or benefits.Those who are trying for house or land will be successful.Students will have success. Employees will get promotion. People who need household helpers will find them. Buying of ornaments in indicated. Businessmen will expand their sphere. Unemployed may find employment.

Saturn in the 2nd is unfavourable but Jupiter in the 2nd is favourable. Mars will be favourable from May5th. Sun will be favourable from May 15th to June 15th.Venus is unfavourable. Happy events will have edge in this period. Money matters will encouraging, auspicious events are possible after May 5th.Health will be good. Students will be successful and employees will see rise in funds. Children may cause anxiety for some. Unexpected quarrel is possible.Those who are trying for property will have to wait.

and Mars is unfavourable but Sun will be favourable from June 15th, Venus in the 5th is favourable. During this quarter there will be some discomfort and you should take extra care of your health. There will be fear of change of place to an undesirable one. Loss of a relative is possible. You will be mentally disturbed. Recite Hanuman chalisa or perform Rudrabhisheka once in a month. Students will witness obstacles and results will not be as per expectations.

It is advised that you to develop spirituality. Jupiter and Saturn both in the 10th are unfavourable. Mars is unfavourable. Sun will be favourable from April 14th to May 15th. Venus in the 4th is favourable. Be cautious in the matters of money and property.Do not indulge in speculation. You may lose your pets, much expenditure and domestic quarrels are possible. Separation from beloved ones, ill health and misunderstandings with friends or relatives are

indicated. Students will have to work hard. Though Saturn is favourable in the 11th house Mars and Sun are adverse. Jupiter in the 11th is favourable. Financially this is a good period but health of a close relative will cause anxiety. There will be emotional situations and fear. You should be careful of what you speak in front of others. Domestic quarrel is possible. Some will get fame and recognition. Auspicious events are also indicated. Life will undergoing major changes. Recite Mrityunjaya mantra everyday 28times.

Jupiter and Saturn in the lagna are unhelpful

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ACTION, CONSISTENT, TOUGH FOR GREEN ENVIRONMENT

Our environment is a sole factor for the existence of life on earth. There is a drastic environmental change due to global warming, excessive pollution, industrialization, etc. Environment is a gift of nature and we need to conserve it for the beneﬁt of life in the future. Love Care Foundation believes that environmental pollution is one of the key problems faced in our modern world. The massive technological advancement that has contributed to the development has also invited negative effects to the environment. The need of the hour is to create awareness and to prevent the misuse of resources and use them judiciously as Mother Earth cannot sustain with this rapid utilization of resources. Love Care Foundation,in association with IMS Ghaziabad, conducted Green Summit 2020 on 14th February 2020 for which people from all age group came together with much vigour and enthusiasm to accomplish one common goal. The aim of the project A( action) C(consistent) T( tough)is tomake environment cleaner and greener’ by doing a simple thing like planting a tree, we shall be making the world a better place and for sure we shall always live to be proud of our achievement.GeetikaGanjoo, Sudhanshu Pandey an Actor and Digvijay Singh (Professional Golfer) also supported Love Care Foundation’s project. The Green Army which has been constituted by Love Care Foundation worked together relentlessly with corporates, schools, colleges, residential colonies and apartments to carry out activities to generate and promote sustainable activities. Students of Sophiya Junior public school students took out a rally

to spread the message to avoid littering roads and highways. LCF volunteers visited green influencers Ms. Bindu, makes chemical free soaps and Mr. Vidur Mayur at his zero waste café.and had firsthand experience to learn from them that as an individual wecan also play our role in saving the environment. The green army completed two months-long collection drive of 'recyclable items' and has taught children to make paper bags which were distributed to shopkeepers. The last day of the event at IMS College Ghaziabad started on an auspicious note with Ganesh Vandana which was followed by speeches by renowned environmentalists like Dr. Pradeep Chadha, Dr. Rakhi Sameer and Dr. Arun Srivastava who enlightened the summit with their competent knowledge on environment protection. Mr Pradeep Chadha emphasized on proper handling of waste materials, such as reusing or disposing of them properly. He showed how organic waste from each home can be converted into manure and helps to grow organic vegetables. Dr. Arun srivastava explained the harmful effects of chemical characteristic and source apportionment of polycyclice aromatic hydrocarbons (PAHs) in coarse and fine size aerosols over Delhi. An act on Chipko movement kept the audience captivating and emphasised on the need to protect the lungs of our earth – trees. The summit proved to be insightful and everyone pledged to “lend their hand in saving the land”. To increase the reach and aiming to reach their goal, LCF intends to celebrate Earth day with Green defenders on 22nd April 2020. Ms. Simran Kaur Malhotra who graced the occasion insisted that each one of us to have play our role to save the environment.

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Vol4-Iss4

PRESS RELEASE 29 March 2020, New Delhi

NBT, INDIA of MHRD TO LAUNCH

‘CORONA STUDIES SERIES’ BOOKS STUDY GROUP OF PSYCHOLOGISTS SET-UP FOR FIRST SUB-SERIES Realising the extraordinary psychological, social, economic and cultural significance of Corona Pandemic for the human society in times to come, National Book Trust, India, the national body for book publishing and book promotion under the Ministry of Human Resource Development, Government of India, is launching a publishing series titled ‘Corona Studies Series’ to document and to provide relevant reading materials for all age-groups for the post-Corona readership needs. “In response to the national crisis of this proportion, we believe that as a national institution it is our duty to take initiatives within our domain area to provide support in the form of new reading materials. The ‘Corona Studies Series’seeks to be our long-term contribution to prepare and engage readers with the various aspects of the Corona times by bringing out affordable books in various Indian languages in the identified subject areas. It will also provide suitable platform to authors and researchers willing to contribute in this genre,” saidProf.Govind Prasad Sharma, Chairman, National Book Trust, India. “We have been closely following the Corona-related developments and taking cues from themulti-dimensional initiatives of our parent Ministry of HRD’s(Government of India) initiatives to meet the challenges of the Corona Pandemic. As a body for reading promotion, we find that we have a significant role to play.

Accordingly, we started #StayHomeIndiaWithBooks initiatives by uploading pdfs of some of our select and bestselling titles for free downloads, and we have been receiving tremendous response. Taking a comprehensive view, we are launching this publishing series. As the ﬁrst step, we have set-up a Study Group comprising of someexperienced and young psychologists/counsellors to prepare books on the sub-series on ‘Psycho-Social Impact of Corona Pandemic and the Ways to Cope’. We hope to bring out both e-editions and printed editions of these books soon enough as support materials for the readers”, said Shri Yuvraj Malik, Director, National Book Trust, India. “We have identiﬁed various areas for preparing suitable reading materials under the ‘Corona

Studies Series’. Besides, the sub-series on the Psycho-Social Impact on various segment of population due to Corona crisis, we are preparing children’s books to let them know about Our Corona Warriors, and other story and picture books related to various aspects of Corona to create awareness. Also, books focused on art, literature, folklore, economic and sociological aspects, science/health awareness

emerging out of the Corona pandemic, and the lockdown, are also in the pipeline”, said Shri Kumar Vikram, Senior Editor of National Book Trust, India, who is leading the Project. The NBT Study Group comprises of Dr.JitenderNagpal, Dr.Harsheeta, Sq. Ldr (Rtd.) Meena Arora, Lt. Col. Tarun Uppal, Mrs. Rekha Chauhan, Mrs. Sonie Sidhu and Ms. Aparajita

Dixit. STATEMENT OF THE NBT STUDY GROUP: ‘This Study Group is deeply conscious of the challenging task assigned to it in the tough times of COVID-19 Global pandemic crisis. The Group heartily welcomes this visionary initiative of National Book Trust, India. The Group will develop methodologies and practical tips to deal with situations, helped by easy-to-assimilate reading materials on various segments through research, virtual interviews and case studies. This shall help in overall empowerment and awareness to deal with the lockdown and keep the optimum emotional strength and courage.’ Books for the following segments will be prepared by the Study Group: 1. Corona Virus (Covid 19) Affected Families :Lead Researchers-- Sq. Leader (Rtd.) Meena Arora and Dr.Harsheeta, 2. Elderly People : Lead Researcher--Dr.JitenderNagpal and Ms. Aparajita Dixit, 3. Parents with Special Focus on Mothers/Women :Lead Researchers -- Lt. Col. Tarun Uppal and Mrs. Sonie Sidhu, 4. Children and Adolescents : Lead Researchers --Ms. Aparajita Dixit and Mrs. Rekha Chauhan, 5. Professionals and Workers : Lead Researchers --Dr.JitenderNagpal and Lt. Col. Tarun Uppal, 6. Corona Warriors: Medical and Essential Services Providers- Lead Researchers --Sq.Leader (Rtd.) Meena Arora and Mrs. Soni Sidhu, 7. Differently-abled, Special Needs and Mentally Challenged Population :Lead Researchers --Dr.Harsheeta and Mrs. Rekha Chauhan ---------------------------------Profiles of the Experts of the Study Group Dr JitendraNagpal, MD, DNB, Senior Consultant Psychiatrist &Incharge ,Instt.of Mental Health & Life Skills Promotion, MoolchandMedcity, New Delhi. Program Director, Expressions India - The National Life Skills , Community & School Wellness Program . Dr Nagpal has been in the Services planning , Training Groups and on board with many committees under the MHRD , MoHFW, Min of WCD , Social Justice , CBSE ,NCERT & UGC.He has developed various programs and training manuals under the MHRD for school based implementation of Health, Safety & Well Being Programs. He has been instrumental in developing the Health & Physical Education Guidelines under the National Curriculum Framework of NCERT. Dr Harsheeta, working as Scientist 'C' at Defence Institute of Psychological Research, DRDO, Ministry of Defence. Working as a Psychologist for selection of Commissioned Ofﬁcers for Army, Navy and Air Force. Also involved in various Psychology based research projects for Indian Armed Forces. Areas of specialisation are clinical psychology, positive Psychology, personnel selection, personality assessment and Learning Disability. PhD in Psychology from University of Delhi.

SqnLdr (Ex.) Meena Arora A highly skilled ICF Certified Behavioural Coach, she has more than 15 years of work experience including 11 years with Indian Air Force. Creator of ‘Ridhima and Me’ comic series on Parenting, she is a motivational speaker and psychological counsellor with clients from the corporates, schools, and other institutions and individuals. Mrs. Rekha Chauhan Mrs Rekha Chauhan is a renowned Psychologist &Counselor with 15 years of experience in guiding & training adolescents, teachers, principals, parents and corporate employees across India. She has been part of various projects in context to Mental Health and developing guidelines for Counseling Services for Schools & Resource Faculty for college students across the country. She is also the President of the Association of Indian School Counselors& Allied Professionals, and a Certified Life skills TrainerConsultant Psychologist. Lt. Col. Tarun Uppal A Cyber Security Trainer, Organisational Psychologist & Neuro-Lingustic Programme Trainer, and an expert in Stress Management, Lt. Col. Tarun Uppal served with Indian Army for more than 25 years. He also taught at Military College of Electronics & Mechanical Engineers, Secunderabad, and trained and mentored 8 batches consisting of more than 150 engineering student officers in Cyber Security and Leadership traits.He holds an M.Tech (Nuclear Technology) from BARC, Mumbai and a B.Tech in Electronics. He has rich experience in conducting workshops as well as sessions in Personal Counselling, Emotional Management, Psychological Issues, Career Planning and Soft Skills. Mrs. Sonie Sidhu Counsellor, Psychotherapist, Hypnotherapist & Life-Skills Coach, Sonie Sidhu is working with Indian Army as Counsellor & Psychotherapist at Headquarters Western Command Chandimandir. She holds a Bachelor and Masters Degree in Psychology from Punjabi University, Patiala. She also holds Certifications in TAT Projective Testing, Emotional Focus Therapy, Cognitive Drill Therapy, Diploma in Counselling and Psychotherapy, Advanced Level Certification in Clinical Hypotherapy etc. Her major areas of work include Mental Health Awareness & Treatment, Reprogramming of Subconscious Mind, Relationship Management, Psychometric Testing, Parent-Child Counselling etc. Ms. Aprajita Dixit A Child and Adolescent Psychologist, Family Counselor and Academic Coordinator, Expressions India, Ms Aparajiya Dixit was involved as a Holistic Health, Wellness counselor in the SMARTGRAM Project Based on the RashtrapatiBhavan Smart Township Experience. With an MPhil in Clinical Psychology from Postgraduate Institute of Behavioural and Medical Sciences, Raipur and an Advance Diploma in Child Guidance and Counselling from National Institute of Public Cooperation and Child Development (NIPCCD) under MWCD, Ms Dixit is a Member in developing the mental health & safety manual content for CBSE and has developed the Peer Educators Manual for Life Skills Promotion and School Mental Health Promotion in India and has conducted workshops for the stakeholders and allied members of District Child Protection Unit-III (South & South East) & Department of Women & Child Development, Govt. of NCT of Delhi. She is also an Editor of Indian Journal of School Health and Wellbeing. She has conducted a series of trainings for empowerment of Teachers , Parents &Counselors about POCSO Act & Allied Safety Curriculum.

CUSTOMER AWAAZ SAFETY ADVISORY IN THE INTEREST OF

INDIAN CITIZENS.

In these tough times prays for you and your loved ones to be safe. Please follow the safety instructions as per the Government norms and protect yourselves.

Do not shake hands nor touch any surfaces.

Wash your hands with Soap for 20 seconds thoroughly

Use an Alcohol based Sanitiser

Practise and Maintain Social Distancing

Please take special care of Diabetics and elderly people at home.

STAY HOME STAY SAFE ISSUED IN PUBLIC INTEREST But most importantly, be safe and be healthy. Donâ&#x20AC;&#x2122;t go out for unneccessary things.

Stay home & do not step out for non critical requirements.

CUSTOMERAWAAZ VOL4-ISS4, 4th Anniversary special

Articles inside

WHAT IS THE DISPUTE WHO ARE THE PARTIES