Created by Ashutosh Mishra

PROJECT TIMELINE
We Tube Newswire
1. Employee Engagement - Prof. Vinima Sharma 1. 5 Reasons Sustainability Drives Innovation
2. The Basics of Micro Finance - Sujata Iyer 2. 11 Daily Habits Of Exceptionally Successful People
3. Goods and Services Tax-Daulat Wadwa 3. Three Things You Need To Do To AchieveSuccess
4. Building A Winning Resume - RMSaravanan 4. Banks Are Thriving With SophisticatedDigital
5. Handling Criticism With Grace - Ms. Suruchi Signage
Yadav 5. In The Age Of BranchlessAnd Paperless Banking
We Lounge 6. Amazon India Gets RBI Nod For MobileWallet
1. Mr. Ranjeet Mudholkar (Chairman & CEO 7. RBL Bank Now Among India’s 10 MostValuable
FPSB– Financial Planning Standards Board of Banks
India) 8. 7 Traits Of Exceptional Leaders
2. Mr. Prasanth Nair - Global Head – HR – 9. Why There's A Huge Opportunity With India’s
Cipla Uninsured
3. Mr. Yogesh Naik, Director - Research & 10.India Ranks As Second-largest Market For LinkedIn
Innovation IGATE Patni
We Tube
We Tube - 1

Employee Engagement
Prof. Vinima Sharma
Learnings –
Employee Engagement :
• Passion Commitment and Efforts together put into the work by
the Employees.
• Business management Concept.
• William Kahn - 1980
• Involvement and Enthusiasm about work
• Employee engagement exists when the employee feels attached
to work in below areas :
• Physically
• Intellectually
• Emotionally
 The 3 main engagement drivers:
• Placing right employees in the right job.
• Exceptional leadership.
• Organizational systems & Strategies.
• Positive Impact.
• Loyalty.
• Initiated by top management.

Proposed Model: Engaged Workforce:

• Supportive Co-Workers.
• Right Approach. • Job and Career Satisfaction.
• Right Employee. • High Performing Standards.
• Recruitment.
• Commitment.
 Why does Success
Commitment
employee oriented Work Work Result
Innovation to customer
engagement Efforts for the Satisfaction Contribution Oriented
satisfaction.
matters : Company

Factors
Enhancing Health and Rewards Various
Timely
Employee performance safety Job and Communication indoor and
Satisfaction & Co-operation Motivation
Engagement appraisal measures Recognition outdoor
: for them . activities.
We Tube - 2

The Basics of Micro Finance

Sujata Iyer
The Basics of Micro Finance
• Revolution in the field of finance.
• Supply of loans and other basic financial services of the poor.
• The micro finance services differs from services provided by the formal banks.
• Loans in micro finance are provided without any security.
• The interest rates are higher than that provided by normal banks.
• Myths: Adds Debt Burden, Too Costly, etc.
• Challenges: Internal Control System, Supervision, MIS, etc.
• Micro Finance benefits investors:
low default rates, high standardisation, high diversification and low pre
payment risk.
 SKS Micro Finance
Arman Financial Services
Grameen Koota
Village Financial Services Pvt. Ltd.
Risks in Micro Finance:
• Entrepreneurial Risk – Business Issues, Health Issues, etc
• Field Partner Risk – Frauds, Poor Operations, etc.
• Country Risk – Economic, Political and Natural disaster.

Case Study on Grameen Bank and Muhammad Yunus…

Do Good…. Do Well…!!!
Careers: Micro Financer, NPO, Social Entrepreneurship, Community Investor.
 How do micro finance institutions set sustainable rates?
• Annual Expenses – All annual recurrent cost
• Loan Losses - Loans that have been defaulted.
• Cost of Funds - Funds its portfolio with savings and commercial debts
also help in determining interest rates. (Estimation Method)
• Investment Income.
• Estimation of assets is made and service fees is charged.
AE + CF + K+ II
1-LL
It makes poor people financially self sufficient and empowers to start
business or education for their family.
We Tube - 3

Goods and Services Tax

-Daulat Wadwa
Learning's:-
• GST is one indirect tax for the whole nation which will make India one unified common
market.
• GST is a single tax or narrow tax band, on supply of Goods and Services right from the
manufacturer to the consumer. It is a destination or consumption based tax, with credit
of taxes paid at previous stage available as set off.

• Need for GST

• To simplify and replace the existing multiple tax structure.
• To remove the cascading effect.
• To get full credit for tax paid at previous stage.
• To increase the tax collection and stop leakages.
Technology for GST
• CG has formed a NPO i.e. Goods and Services Tax Network GSTN
for development of IT Infrastructure and Services. Infosys is currently
developing the platform for GST. The registration will be done through
uniform PAN-Linked business identification number. Establishment
of GST Council.
GST Rate
GST Council has finalized Revenue Neutral Rate for different Goods
and Services.
0%, 5%, 12%, 18% and 28% with the lower rates for essential items
& the highest for luxury.
Dual GST Model
• State GST
• Central GST
• Integrated GST
• Benefits to Consumers, Government and Business
• Simple and uniform tax rates,
• High Revenue Efficiency,
• Reduce Tax Evasion,
• Single and Transparent Tax,
• Relief in overall Tax Burden and
• Gain to Manufacturer and Exporters.
Summary:
• GST is clearly a long term strategy, it would lead to a higher output,
more employment opportunities and economic inclusions.
• In conclusion, we can say that GST is one tax that can be a major
break through in the Indian Taxation System.
We Tube – 4

Building A WinningResume
RM Saravanan
 Learnings –
Building A Winning Resume
• Resume is personal and professional profile of an individual which is
documented on paper.
• Purpose :
• To provide a summary of your skills, abilities and accomplishments.
• Quick advertisement of who you are.
• Snapshot of your career.
• How important resume is :
• Works as your visiting cards.
• Right Opportunities.
• Promotion.
• Makes you to be in team of potential candidates.
• Acts as Magnet.
 8
5
Common mistakes in resume :
9 39 • Resume needs to be original.
• No Cover letter & No Signature in the email.
10 • Grammatical error or spelling mistakes.
• Over exaggeration.
• Overload of information.
11
• People don’t invest time to update their resumes.
18
Few points to remember while making resume:
Information that's not job specific • State clear objective.
Inaccurate Information • State – Why you are best fit for the job.
Grammatical Errors • Make resume maximum of 2 pages.
Insufficient Information • Add cover letter along with resume.
Too much information • End with proper signature.
Ineffective resume layout
Don't know
Untold Story or Secret: Biasness or Leading the interview.

Creative ideas to make winning resume :

Customize resume.

Match your skills along with recruiters required skills.

Emphasis on how you are suitable to the position.

State your vision statement for the job.

Add testimonials in your resume.

Highlight your achievements and failure.

First few lines of resume act as a first impression towards you.

Honest resumes are always appreciated more than exciting resumes.

We Tube – 5

Handling Criticism With Grace

Ms. Suruchi Yadav
Learnings –
• An expression of disapproval.
Handling Criticism With Grace • Adverse Feedback.
• Being Judged.

If you’re going to do anything interesting in the world, criticism is an unavoidable fact

Acknowledge your mistake

If you believe the criticism is accurate, take full responsibility

Criticism highlights our area of improvement

See criticism as an opportunity to improve

Be proactive

Filter the people you respect and whose opinion you value

Analyze the criticism to find something you can learn from it

 Response: Violent Denial, Resentment, Allegation and Depression.
Use Criticism to give you an edge:
Active Communication and Counterparty Investment.

Handling Criticism In Two Ways

With Grace: With Negativity:

• They Listen to what a critic is saying.
• They don’t get defensive.
• They thank the commenter and
acknowledging their point.
• They don’t let criticism stop them from
doing anything.
• They correct action if criticism is valid.
• They let Criticism bring them down.
• They get discouraged.
• Respond with anger.
• Deny they made any mistake.
• They take it personally.
• This may affect the relationship with
others.
 Responding to criticism :
Listen to what a critic is saying.

Don’t take it personally.

Use Right Language.

Delay your reaction.

Admit your mistakes.

Even if you disagree, maintain a professional demeanor.

Be firm but graceful.

Enjoy the fun of failure.

WE LOUNGE
 01
Mr. Ranjeet Mudholkar
(Chairman & CEO FPSB– Financial Planning Standards Board of India)

About FPSB:
• FPSB is a public private enterprise & professional standard setting body that proactively
guides the essential to protect & benefit the country.
• It closely works with the media, public & private sector firms, government of qualified
& experienced professionals.
Education / Qualification:
• He is a (BSC) graduate in statistics & computer programming with post graduation in
management.
• Mr. Ranjeet is a certified Financial Planner, he is currently heading the Association of
Financial Planners the professional institute for Financial planners in India.
About Mr. Ranjeet Mudholkar
• Currently serving as the vice chairman & CEO of FPSB.
• He has lead the transformation of FPSB India, from its early inception as association
of Financial planners in 2002 till date.
• He has also served as the chairman of the Asia pacific forum comprising Financial
planning during this period.
• He has also served as the nominating committee for selecting the candidate for the
2013 FPSB Global Board of Directors.
• He is also the editor of the financial planning journal, a leading monthly periodical
for the financial planning community in India.
• Symbiosis Institute of Management Studies (1997-2001) - Served as the Director.

‘Mr. Turnaround’ by the Times Of India

Featured under ‘Smart people’ by Business Standard
‘Front runner’ by Business India.
Key Learnings :

• He has shared his views on many financial planning tool & their uses by a individual for personal
financial planning like buying a home, car, children marriage etc.
• He says Holistic approach is the key, a CFP focuses on comprehensive financial advisory services
to individuals.
• He says, one of the key differentiator between other qualification & the CFP is the fact that a CFP
certificant is committed to 4 Es of the CFP certification :
Education, Examination, Experience & ethics.
• He insists upon Expanding Horizons, Global Regulations and Constant Realization to change
• According to him, Use of Social Media gives Convenience.
• He has played a pivotal role in making FPSB the institution it is and taking it to higher levels.
 02
Mr. Prasanth Nair
Global Head – HR – Cipla

About Cipla : About Mr. Prasanth :

• Cipla Limited is Indian multinational
pharmaceutical and biotechnology
company, headquartered in Mumbai.
• Cipla sells active pharmaceutical
ingredients as well as pharmaceutical
& personal care products.
• Cipla believes medicines should reach
to the needful and works for it.
• Currently heading the Global HR function
of Cipla. Served as president & Head HR at
Thomas Cook.
• Founded the centre of learning – A business
initiative for creating talent for industry.
• Severed as the HR committee of Bombay
Chamber of Commerce and Industry.
• He started Leadership Development
Programme at the RPG Group.
• Prasanth is an IIM, Ahmedabad Alumni. He
has done his B. Tech mechanical from NSS
College.
Key Learnings :
• At IIM Ahmedabad, he enjoyed meeting different people apart from rigorous academics
which changed his perception.
• Selecting HR as a profession, he says take up HR as a profession if you are interested in
taking it.
• They should have basic interest in working with people for the people.
• He says, in his career he realized importance of people and getting along with them.
• He developed interest in HR when he understood how an HR professional can make
difference in the life of people.
• He mentioned HR role has evolved from administrative role to analytical role.
• According to him, it is important role of HR is to be medium between Business and
People.
• He adds that primary role of HR should be connecting with people addressing their
problems. As Finance people address Finance problems, Similarly HR should address
People’s Issues.
Key Learnings :
• He adds, that we should acknowledge thinking of others but do what we feel is right.
• HR should take responsibility for the people issues in the organisation.
• He explains that culture varies from place to place so if we are aware of the differences, we can manage
them.
• He insisted upon managing Critical people and Picking right people.
• Frequent job switches by young generation, he said that organisation should itself be more creative in
employee retention as the new generation is very career aspirant.
• He advises to an individual not to jump for salary hike but jump for value adds to you and organisation
He adds upon to jump only for real reasons.
• He likes meeting people and hates long meeting.
• Success mantra is God Almighty.
• According to him, Commitment is important and he considers everyone is a role model as you learn a lot
from them.
• He add upon taking off on weekends and maintain work life balance.
• As a final message in his discussion , everyone should be happy as it helps a lot to manage stress;
and have purpose in life, and most importantly passions in life to look forward.
 03
Mr. Yogesh Naik,
Director - Research & Innovation
IGATE Patni

About IGATE PATNI: About Mr. Yogesh Naik:

• Full spectrum consulting, technology
& business process outsourcing, and
product & engineering solutions.
• Multi-location global organization.
• A diversified, well – trained staff and
motivated talent pool of over 27000
employees.
• Birla institute of technology:
Research scholar, Technology management.
• Birla institution of technology and science:
MS software System.
• RBS, Institution of Management: MBA, HR
& Finance
• University of Mumbai: B.E electronics
• First class with honors
Key Learnings :
• He Spoke about how IT with HR and Finance are related, as IT are the Technology
Companies whereas Brain Behind Computer is the Human Resource.
• He adds that Technical Managers are not successful even being tech - savvy due to
lack of Leadership and Managerial Functions.
• He gave tips to IT Professionals to overcome burnouts, since there are no structure
man hours, work life balance is totally disturbed. In order to overcome the concept
of Burnout, Adapt to the change and keep yourself updated, Flexibility has to be in
your DNA. “ Except Change and Be Ready for Change.”
• He spoke on Creating Opportunities for IT Professionals who are wishing to work
abroad that there is phenomenal and tremendous scope, he also spoke on business
Solutions should drive technology through Innovative Solutions.
• He also differentiated E – Business and E – Commerce.
• He also said that IT changes Business Model based on consumer psychology like
Myntra. He said India is considering B2C but should look forward for B2B.
Key Learnings :
• He discussed about the Pre-requisites of getting into an IT Firm is through Reading as
it is crucial for having realistic approach.
• While speaking on Global Opportunities in E-Commerce, he stated that there is
tremendous opportunity.
• He also spoke on NASCOM and its role in Indian IT Industry that it represents Indian
IT Industry globally with an objective of advocacy, collaboration between members and
generating knowledge.
• He also said that Converting the Introvert IT Professional to Extrovert by enhancing
its personality traits through out bound programme is the need for future.
• As a final message in his discussion , he said, “You should never be satisfied with your
progress.” Spiritually you should be content and Professionally you should be active &
Keep yourself Enriched.”
News wire
 01
5 REASONS SUSTAINABILITY DRIVES INNOVATION
Learnings:
• Sustainability is one of the key emerging trends in recent years.
• Sustainability champions at organizations often face the same challenges
that innovation champions do:
• lack of senior level buy-in,
• lack of process,
• lack of resources.
• The benefits of sustainability and innovation are similar, as well:
• a competitive advantage,
• improved profit margins, and
• better brand sentiment from employees and customers.
 The report from Deloitte on causal relationship between sustainability
leadership and innovation leadership states that
“sustainability leaders are more than 400% more likely to be considered innov
ation leaders.”
The Harvard Business Review offers some clues as to why this might be as it
explores the five stages of sustainable thinking that influence innovation:

• Regulations Make Us More Creative

• Expanding the Conception of the Value Chain
• Creative Thinking Beyond Initial Requirements
• Considering Business Models
• The Ability to Question Everything
 02
11 DAILY HABITS OF EXCEPTIONALLY SUCCESSFUL
PEOPLE
Learning these fantastic habits is just half the equation. Actually doing them will get
you to the promised land.

Learnings:
• Succeeding in business and in life obviously requires mastering a set of skills that
will produce extraordinary results.
• The real success factor comes from the "doing" part--making the things you learn
habitual so you create new neural pathways in the brain.
 While the following is far from a comprehensive list,
learning and "doing" these daily habits may be crucial for leading
yourself and others at a higher level.
1. Make more decisions with your 4. Put yourself in someone else's shoes.
heart – 5. Listen to advice.
it's a heart thing, not a head thing. 6. Communicate clear expectations.
1. Do a five-minute favor for someone 7. Avoid drama.
- selfless giving acts .
8. Set three personal goals for the day.
2. Practice the skill of accepting
9. Overcome your fear by "hacking
feedback –
Openness, Responsiveness, your system.“
Thoughtfulness, Explicitness, Quiet, 8. Change your environment.
Being clear with your commitment 9. Speak in the positive.
and Clarifying.
 03
THREE THINGS YOU NEED TO DO TO ACHIEVESUCCESS
Effort always precedes success!
Learnings:
• Leaders would say we pay people for their effort; we reward them for the
success.
• But if you wait for people to be successful before you reward and
recognize them, then you can be waiting an awfully long time to reward
success.
• When it comes to driving success we need to change three things:
1. Behaviors,
2. Technique,
3. Attitude, and it all starts with behaviors.
 Behaviors influence what we do on a daily basis
Aristotle says "We are what we repeatedly do. Excellence, then, is not an act
but a habit".

• Changing habits is not easy. When you can do that, then you will be successful.
• The challenge here is that the first few time people do things, it doesn't always go as
well as you would hope. This is why you have to recognize the effort.
• As we started to improve techniques we could see results improving almost
immediately, this now gave us something else to reward and recognize.
• Everyone wants to play for a winning team, and as teams start to have success,
they want more which helps to create a winning attitude, a culture of improvement.
• We now had a winning attitude, and all of this started as we rewarded effort.
 04
BANKS ARE THRIVING WITH SOPHISTICATEDDIGITAL
SIGNAGE
Learnings:
• Bank branches are the forecourt of modern banking.
• Realizing that branches are the prime customer touch points, banks all
around the world are augmenting their use of digital signage for in-branch
branding, customer promotions, reducing perceived waiting times, and
uplifting ambiance.
• In this digitized era, banks must cash upon their potential target market,
and implement a digital signage network to effectively cater to increasingly
tech-savvy bank customers who expect the best products, and customer
service from their banks.
BANKSARE THRIVING WITH SOPHISTICATED DIGITAL SIGNAGE
Customers walking into a local branch expect their bank to be at least as technologically
sophisticated as they are.

The Need for Digital Signage in Banks

Enhanced Customer Engagement

Enriched corporate communication

Effective Control

Higher ROI and ROO

Grow with digital signage

 05
IN THE AGE OF BRANCHLESS AND PAPERLESS BANKING
Learnings:
As the global demography continues to shift toward a younger age group, the existing
infrastructure across industries demands to be digitally transformed with an increased
focus on mobility.
In spite of digital transformation initiatives, Bank’s keep missing the bull’s eye, where
a largely digital driven millennial age group is concerned.
Following is the a quick snapshot of the current scenario, mandating banks to be
cautious and stricter:
• Prospective customers switch to competitive brands.
• Web and Mobile forms continue to be the emulation of paper forms.
• Visit to branch continues to remain a significant element from a Bank’s
perspective, and a deterrent for customers’.
 Online Account Opening
– The Need of the Hour

Digital Account Opening is

a prerogative of larger
banks.
Taking Banking to
Customer’s Doorstep Web interface is a must to
offer great customer
Enhancement in Field experience.
Force Productivity
Mobile first = MobileApp.
Minding the security
gap
Digitization of paperwork is
equivalent to digital account
Wider reach to opening.
customers
 06
AMAZON INDIA GETS RBI NOD FOR MOBILE WALLET

Learnings:
• The approval will help the US-based giant to cash in on the booming digital
payments market in India.
• Online marketplace Amazon India has secured a licence to operate pre-paid
payment instrument (PPI) or mobile wallet in the country as it tries to compete
more aggressively against rivals Snapdeal (Freecharge) and Paytm.
• Amazon India said in a statement that they were pleased to receive PPI license
from the RBI. Their focus is providing customers a convenient and trusted
cashless payments experience,"
 AMAZON INDIA GETS RBI NOD FOR MOBILE WALLET

• Amazon had launched its Pay Balance service to cash in on the digital
payments boom. The payment mechanism, however, was restricted to
transactions made on Amazon's platform.
• It can now launch a prepaid wallet service will compete with mobile wallets of
Paytm and Freecharge that are accepted at other merchants also.
• The Amazon India also said that they are looking forward to seeing a
continuation of the low limit wallet dispensation with simplified KYC and
authentication. This will allow us to help customers adopt digital payments at
scale and thereby.
 07
RBL BANK NOWAMONG INDIA’S 10 MOST VALUABLE BANKS

Learnings:
• RBL Bank Ltd, formerly known as Ratnakar Bank, on Monday, i.e., May 02, 2017
entered the list of India’s 10 most valuable banks.
• Among the analysts covering RBL Bank’s stock, 11 have a “buy” rating and two have
a “hold” rating and no one has a “sell” rating, according to Bloomberg data.
• The stock closed at a fresh record high of Rs587.50 on the BSE, up 5.52% from its
previous close. The bank listed on 31 August at a premium of 33% to issue price.
Since then, it has surged over 161.1% and so far this year it has gained 75.22%.
– IDFC Bank Ltd closed at Rs60.40 on the BSE, unchanged from its previous close, wh
ile India’s benchmark Sensex index fell 0.44% to closed at 29,575.74 points.
 • “Given the robust loan growth trajectory and well
maintained asset quality coupled with healthy
margins, improving cost-income ratio gives a
positive outlook for the bank,” said Praveen I.,
research analyst with Cholamandalam Securities.

• HDFC Bank Ltd, India’s most profitable bank, is

the most valuable bank in India, followed by state-
run State Bank of India and ICICI Bank Ltd. Kotak
Mahindra Bank is No.4, followed by other banks.

• With a market capitalisation of Rs. 22,043.18 cr.,

Most Valuable RBL Bank has replaced IDFC Bank to enter the
Banks most valuable banks’list.
 08
7 TRAITS OF EXCEPTIONALLEADERS

Learnings:
• To lead successfully requires earning the confidence of those who are to
be led.
• Emotions are the universal language.
• What triggers our emotion is individual, but if we can feel our own pain,
we can know what it is like for another to feel their pain.
• Because of this projective identification, it allows us to empathize and lead
others with greater awareness and increased bonding.
• To be an exceptional leader we must be able to place ourselves in the shoes
of another, and feel what they are feeling.
 7 TRAITS OF EXCEPTIONALLEADERS

Communication
Kindness

Self- Boundaries
control
Self-awareness

Other-centered
Unselfish
 09
WHY THERE'S A HUGE OPPORTUNITY WITH INDIA’SUNINSURED
Shivakumar Shankar
The gap between consumers and insurance companies is the result of the
low levels of trust that consumers have in the insurance provider.

Learnings:
• Insurance continues to be a difficult proposition for a layman to comprehend, in terms of
assessing his or her individual needs or even the different types of products available.
• The benefit of an insurance policy lies in vital safety net against financial disaster or
financial hardship or other major risks.
• A consumer research study by LexisNexis Risk Solutions in India revealed insights into
how the Indian consumer views insurance and the attitude towards insurance products,
the sales channels and the purchase and claims process.
• Around one in five people said they don’t have trust in the way insurance is sold, or the
information they’re given, contributing to the large insurance awareness gap.
• The research study revealed that insurance agents, friends and relatives often influence
a person’s purchase decision for insurance – life, motor or health.
• Filing a claim and having trust in the payout is the "critical moment” in the insurance
relationship.
• Insurance is a financial product that cannot be experienced immediately; and as it is a
promise by the insurance company, consumers believe the insurer must fulfill it in the
future on the occurrence of a risk event.
• An apt solution for consumers in light of these varied information resources would be
to compare experiences of friends and relatives in order to arrive at an approved subset
of insurance providers.
• One could also then use the counsel of insurance agents to further determine the right
policy that can fulfill one’s needs.
• These measures will assist people in narrowing down their decision parameters as it
involves information on positive experiences and claims.
 10
INDIA RANKS AS SECOND-LARGEST MARKET FORLINKEDIN
India has the largest member base after the U.S.

Learnings:
• The professional social network, LinkedIn, owned by Microsoft, said India ranked
as the second largest market for the company in terms of the active users after the
U.S.
• The company which achieved a milestone of 500 million member mark across 200
countries has about 42 million active users in India.
• LinkedIn has grown more than 40% in India over the past two years. The country
contributes over 35.5% to the APAC community which has more than 118 million
members.
• As per Akshay Kothari, Country Manager, LinkedIn India that India isthe
largest member base outside the United States and continues to be among
the fastest growing communities.
• With an aim to expand the reach in the country in September last LinkedIn
had announced three products like LinkedIn lite — the lite version of its
mobile website and LinkedIn placement — and LinkedIn Starter Pack for
students and targeting start-ups and SMBs respectively.
• The company, which was acquired by Microsoft for $26 billion in
December, also feels it can grow much faster in India with the roll-out of
LinkedIn Lite.
Thank
You