We Like Project

Presentation
for
VIVA
HPGD /OCT 17 /2438
VIMALKUMAR SUTHAR
WE TUBE
 1
Basic Deductions under Chapter VI
By
Mr. Suresh Pujari
Deduction Under Sections 80C
Maximum Deduction Allowed 150000

 Fixed Deposits (having Lock in period of 5 year),

 Public Provident Fund (having lock in period of 15 years, but can be
further extended by 5 year, Partial withdrawal is allowed after 7
year),
 Employee Provident Fund (Can be withdrawal 2 month after leaving
of job otherwise after continuous service of 5 year or after
retirement)
 National Pension System (Partial withdrawal is allowed after 15 year,
Employer Contribution is tax free),
 Life Insurance Policy (deduction is valid only if premium paid is less
than 10% of sum assured),
Deduction Under Sections 80CCC & 80CCD
Maximum Deduction Allowed 150000 in both
sections
Sections 80CCC
 Contribution to certain specified Pension Funds of LIC/other insurer
(Subject to certain conditions).
Sections 80CCC
 Deduction for assessee's contributions to pension scheme of Central
Government

Overall limit of ₹ 1,50,000 under Section 80C,

80CCC and 80CCD
 Deduction Under Sections 80D & 80DD
Sections 80D
 Deduction for Medical Insurance of self, spouse, children & parents.
 25000 FOR SELF ,SPOUSE, & CHILDREN
 ADDITIONAL 25000 FOR PARENTS IF THEY ARE LESS THAN 60 YEARS
AND 30000 IF THEY ARE MORE THAN 60 YEARS.
 Maximum deduction allowed is Rs. 100000
Sections 80DD
 Deduction is allowed for rehabilitation of Handicapped Dependent
Relative (Where Disability is 40% or more but less than 80% than fixed
deduction allowed is Rs 75000 & where disability is 80% or more than
deduction allowed is Rs. 125000.
Deduction Under Sections 80E

 Self, Spouse, Children

 Deduction is available for Interest on Education Loan for Higher
Studies.
 Deduction is available for maximum 8 years beginning from when
the interest start getting repaid or till the entire interest is repaid
whichever is earlier
Deduction Under Sections 80TTA &
80TTB
Sections 80TTA
 Saving Bank Interest (Deduction allowed is Bank Interest or 10,000
Whichever is less)
Sections 80TTB
 Deduction allowed to the senior citizens from the specified Income
 Interest on Bank Deposits & Interest on post office Deposits
 If Senior Citizen take the benefit of Deduction u/s 80TTA then, the
person is not allowed for the deduction allowed u/s 80TTB. A senior
citizen can opt only one deduction. Deduction allowed is 50000
 2.
Green Marketing
By
Mr. Ratheesh Nair
What is Green Marketing?
Green marketing refers to the process of promoting products or
services based on their environmental benefits. Such a product or
service may be environmentally friendly in itself or produced in an
environmentally friendly way.

Definition
Green marketing is the marketing of products that are presumed to be
environmentally safe. It incorporates a broad range of activities,
including product modification, changes to the production
process, sustainable packaging, as well as modifying advertising. Other
similar terms used are environmental marketing and ecological
marketing.
 Benefits Of Green Marketing

 It ensures sustained long term growth along with profitability.

 It saves money in the long run, though initially the cost is more.
 It helps the companies market their products and services keeping
the environment aspects in mind. It helps in accessing the new
markets and enjoying the competitive advantage.
 Most of the employees also feel proud and responsible to be
working for an environmentally responsible company.
 Rules of Green Marketing
 Know your customer. If you want to sell a greener product to
consumers, you first need to make sure that the consumer is aware of
and concerned about the issues that your product attempts to address.
 Empower consumers. Make sure that consumers feel, by themselves or
in concert with all the other users of your product, that they can make a
difference.
 Be transparent. Consumers must believe in the legitimacy of your
product and the specific claims you are making.
 Re-assure the buyer. Consumers need to believe that your product
performs the job it's supposed to perform—they won't forgo product
quality in the name of the environment
 Consider your pricing. If you're charging a premium for your product—
and many environmentally preferable products cost more due to
economies of scale and use of higher-quality ingredients—make sure
that consumers can afford the premium and feel it's worth it.
Green Marketing Examples in India

 Tata Consultancy service is well established eco-friendly company. it

has more than 80% green score. Now, it is creating technology for
agricultural and community benefits.
 Indusland Bank is the first bank which is started paperless ATM in
India. Which helps to reduce to the cutting of the trees.
 MRF has launched the ZSLK series and which is about creating eco-
friendly tubeless tires.
 Johnson and Johnson is also using green products. Which is
environment-friendly as well as body friendly too.
 3.
Experiential Marketing
By
Mr. Ratheesh Nair
What Is Experiential Marketing?

 In an age where the majority of customers crave personalized

experiences and desire meaningful interactions with a brand before
making a purchase, experiential marketing is now essential to any
modern marketing strategy.
 A Brand Relevant Two – way communication between Consumers
and brand Face to Face remotely
 A brand is able to create an impression in their audience’s mind
that will stay with them far longer than any advertisement world.
 Experiential marketing provides them with a chance to directly
interact and build a meaningful relationship with a brand.
 Why Experiential Marketing

 Engages all 5 Sense : sights, sounds, textures, tastes and smells all
add up to create an experience.
 Experiential marketing is a golden opportunity to increase customer
loyalty and direct sales.
 Yet, beyond direct marketing, experiential marketing often provides
a way to raise their brand awareness and exposure dramatically, eit
her by transforming their audience into brand ambassadors or by ins
piring participants to share their experiences on social media.
 Successful experiential marketing strategies not only introduce peop
le to their brand, but also serve as ways to trigger new customers an
d add them to their sales funnel, with 65 per cent of companies clai
ming their experiential marketing activities lead to direct sales.
 Experiential Marketing in Rural
Market
 Rural marketing is a serious affair for any company, marketer; needs
longterm strategic planning that holds all business goals on the table
including well-thought-out, comprehensive strategy execution plan.
 Rural planning can not be a copy
paste approach to urban planning and committed and organized,
exclusive rural mentality strategy without any urban environment dil
ution.
 Multiple media convergence such as field activation, internet, radio,
outdoor, advertising, retail, interactive, ambient, creative media et
c. is the right strategy to have high impact, target reach and covera
ge in a specified time to meet the ROI parameters.
 Mahindra and Mahindra are one of those brands that have gone to
the nation's roots. A' Manual to Mechanization ' campaign was
launched by the company to reach out to reserved farming
communities. The business heard about 6 lakh farmers with more
advanced and mechanized farming as part of the campaign that
would lead to' Farm Tech Prosperity.‘
Mahindra went to rural areas and conducted live farm applications
demonstrations with tractors, allowing farmers to experience the be
nefits of technology first hand.
 Hindustan Unilever is another big brand on rural activations. The co
mpany launched their ' Khushiyon ki Doli ' campaign in Uttar Pradesh
, Andhra Pradesh and Maharashtra's dark media villages. The main
aim of the campaign was to change the attitudes of the rural mass
to inculcate good personal hygiene and through that create a
greater preference for the company brands by association to daily
hygiene habits.Various personal care and home care products of
the brands of HUL including Wheel, Surf Excel, Sunsilk, Lifebuoy and
Closeup were marketed through the campaign.
 4.
Supply Chain Management
 Meaning of Supply Chain
Management
A supply chain is a network of
supplier, manufacturing,
assembly, distribution and
logistics facilities that perform
the functions of procurement
of materials, transformation of
these material into
intermediate and finished
products, and the distribution
of these products to
customers.
The Eight key supply chain management
processes are:

 Customer relationship management.

 Customer service management.
 Demand management.
 Order fulfilment.
 Manufacturing flow management.
 Supplier relationship management.
 Product development and commercialization.
 Returns management.
 Example Of Supply Chain
Management
 Reliance Fresh makes its purchase of green vegetables and fruits from
the local farmers but never from the mandis. They have established the
rural business hubs in many parts of the country. The objective of
Reliance Fresh is to make the entire value chain more effective, robust
and responsive. By approaching farmers directly, it thereby reduces the
procurement wastage that further paves the way for better returns to
Indian farmers and wholesalers as well as it renders greater value for the
Indian consumers. In the first phase vegetables and fruits are procured
from the suppliers and wholesalers followed by processing, separating
rotten ones and finally packaging for sale.
 Reliance started its retail operations of Reliance Fresh store by following
the supply chain model comprising of procuring vegetables and fruits
directly from the farmers and operating with moderate margin. (Mass
selling was the key to Reliance Fresh operations for the first few months).
 5.
Internet Marketing
 What is Internet?

 A worldwide network of Computers.

 The fastest and the cheapest communication.
 More than 1 Billion users around the globe and growing every
minute.
 More than 350 million hosts & 3000 million pages of information and
growing by seconds.
 Great leveler.
 Marketing Channel.
 Distribution Channel.
 Increases Business efficiency.
Internet marketing:-
 Internet marketing, or online marketing, refers to advertising and
marketing efforts that use the Web and email to drive direct sales via
electronic commerce.
 In addition to sales leads from Web sites or e-mails.
 Internet marketing and online advertising efforts are typically used in
conjunction with traditional types of advertising such as radio, television,
newspapers and magazines.

The 5 Principles of Internet Marketing

 Make it easy to find what you are selling
 Deliver solid service
 Individual Customization is key
 Make Navigation Simple
 Business- to- Business focus - initially
 Why should you Adopt Internet Marketing
Now?

 Increased Client satisfaction/ service

 Improved efficiency &effectiveness
 Enormous business returns
 Good Business Sense
 First Mover advantage
 Even if YOU don’t, your competitors will.
WE LOUNGE
 1.
MR. MAINAK DHAR
MANAGING DIRECTOR,
GENERAL MILLS
Mr. Mainak Dhar is the Managing Director at General Mills by day and
a passionate writer by the night. He has close to two decades of
experience at blue chip organizations (Procter & Gamble and now
General Mills) with a solid track record of providing transformational
leadership and acceleration to complex business and organizations.
He began his career with Procter and Gamble in Mumbai and then
had a few global experiences in South East Asia, Asia PAC, Singapore
and General Mills in India for 2 years.He did MBA from Ahmedabad IIM.

Success mantra
 In order to manage a tough business situation, it is important to focu
s not only on the WHAT of the business outco.me but also WHY.
 If you are passionate about something you need to find time for it.
 It’s not work life balance it is life balance –balancing all the roles you
play in your life.
Mainak Dhar can speak 5 languages, with French and Thai included.
He's written books have become really famous and they've been
purchased to make movies in some cases. Commercially –
Alice and set of milestones (up to 8 books), personal favorite novel-
Mixology Foundation

General Mills working philosophies

 Understanding and meeting the consumer needs and delight them

over time
 Long-term confidence building with the partners
 Key drivers of growth is putting the consumer first getting to more
consumers & expand the portfolio as per consumer demand.
 When you really understand the needs of the consumer, that is whe
n you really engage with the consumer.
 Through the interview i observed that Mainak deems himself as a
balanced individual. He believes in a strong value set and his family
is the most important aspect of his life. He is fitness oriented and
Family Man.
 2.
MR.AMEYA KOLAMBEKAR
HEAD-MARKETING &
GROWTH, BILL BACHAO
 Alumni of We School from the 2006-2007 batch of marketing
 Right after the course, he joined Jumbo Electronics- Dubai
 He comes with 9+ years in product and digital marketing
 Over the years he has worked in start-ups, electronics and Rewards
& loyalty segments
 Today's he is the head-Marketing & growth at BillBachao.com
 At large level flexibility is most important.
 Marketing is about knowing “Business with numbers”
 You need creativity along with numbers
 Targets are very important part of any process. it gives us a goal to
work in much strength line than just randomly moving along.
 Most boring part of work is just sitting behind desk and doing what
other people tell us to do.
 Exposure which comes along sales is far higher than sitting behind
desk, you can learn so much more by interacting with different
people of different opinions.
 In sales you meet different people in your field work which gives us
confident in long run.
 For digital marketing read a lot, gather information, sign into lots of
Newsletter, E-mails and talk to people.
 He worked with Birds Eye Systems Private Limited, they had two
apps:-
 1. Traffline-A real-time traffic information system
2. Ridlr- A public transport application
 It is busy space were there is lot of competition for a single space e-
g a column in newspaper or billboard.
 You may always not love your job, but it help you to learn new
things everyday
 Travelling in Bombay traffic is the most hateful thing in his job.
 Strength is being creative in numbers and other things.
 His message is enjoy doing what you do.
 3.
MS. RITA VERMA
EXECUTIVE VP -
ORGANIZATION
DEVELOPMENT, DDB
MUDRA GROUP
 Ms. Rita Verma is the Alumni from Batch 2002-2005 of We School
who started off as an HR consultant at Watson Wyatt India Pvt. Ltd.
And today is the Executive VP – Organizational Development at
DDB Mudra Group.
 She has over 15 years of experience in the consulting and marketing
communications industry.
 She works as a strategic business partner to the CEO, CCO and the
president of each company within the group. She is recently been
inducted into the Group operating board of the DDB Mudra
Communications.
 She has also won various HR leadership awards.
 Qualities that a management trainee should bring to the table - come
in with an open mind and white canvas and learn and adapt to the
industry. Don’t come in with a set of expectations.
 HR’s role in building a sustainable business model – It is quite possible for
HR to have a key role in building a sustainable business model provided
that there is in-depth knowledge and be a complete partner with the
company – having knowledge of wage cost, revenue cost, etc.
 Media Industry in India : Media industries is a largest industries it cover all
mediums of communication platform like newspaper, outdoor
communication, print media. It is very important aspect of growing
industry

Success mantra
 Keep yourself updated to the changing times, increase your knowledge
about the world around you.
 Her message is to enjoy every moment of your life
NEWS WIRE
 1
IT RETURNS COULD SOON BE PAID VIA UPI,
WALLETS AND CREDIT CARDS: REPORT

 Taxpayers will soon be able to use digital payment forms such as

United Payments Interface (UPI), mobile wallets, and credit cards to
pay their tax returns.
 Revenue Secretary Ajay Bhushan Pandey said that, according to
the survey, "we would certainly like to use UPI" and this could be
allowed "as soon as possible"
 The Report also said that for small tax amounts, mobile wallets could
be used, and the government would define “electronic payments”
which could include a mobile wallet, a credit card or UPI.
 According to NPCI records the number of transactions reached 1.14
billion in October 2019.
 Plans are also set to take BHIM UPI international, with a launch
expected in Singapore in February 2020.
 Currently, income tax can be done be paid only through debit
cards (of 6 banks) or via net banking.
 2.
PATANJALI COMPLETES ACQUISITION OF
BANKRUPT RUCHI SOYA FOR RS 4,350 CRORE

 In December 2017 Ruchi Soya went into insolvency.

 On April 30th, 2019, creditors committee approved the Rs. 4,350
crore resolution plan of the Patanjali group to take over Ruchi Soya.
 Patanjali Ayurved said that it completed the transfer of the share
and debt portion for its acquisition of Ruchi Soya via insolvency and
bankruptcy resolution proceedings.
 Banks fund 75 per cent of the acquisition. Baba Ramdev-
led Patanjali infused Rs. 1,150 crore as equity and raised the
remaining Rs. 3,200 crore via bank debt.

 Patanjali has borrowed 1,200 crore Rs from SBI, 700 crore Rs from
Punjab National Bank, 600 crore Rs from Union Bank of India, 400
crore Rs from Syndicate Bank and 300 crore Rs from Allahabad
Bank.
 3.
GST REVENUE MOP-UP RISES TO RS 1.03 LAKH
CRORE IN DECEMBER
 GST revenue collection remained above Rs 1 lakh crore mark for the
second month in a row with December mop-up rising to Rs 1.03 lakh
crore as compared to the year-ago period.
 The GST revenue was Rs 97,276 crore in December 2018.
In November 2019 the GST revenue stood at Rs 1.03.492 crore.
 Of last month's gross Rs 1.03.184 crore, CGST is Rs 19.962 crore, SGST i
s Rs 26.792 crore, IGST is Rs 48.099 crore (including Rs 21.295 crore im
ported) and Cess is Rs 8.331 crore (including Rs 847 crore imported).
 Over the course of the month, GST revenue from domestic transacti
ons increased by 16% compared to the previous year.
 4.
POST-MERGER, TURNOVER OF SYNDICATE BANK
AND CANARA BANK WILL BE RS 15 TRN

 The Canara Bank and the Syndicate Bank, set to be merged as part
of the Center's mega bank consolidation plan, would become one
entity from April 2020 , with Rs 15 trillion being their combined turnov
er.
 Canara Bank Chairman T N Manoharan said his bank had a Rs 10 trill
ion business and the Rs.5 trillion Syndicate Bank. The Canara Bank wil
l have a total turnover of 15 trillion Rs after the merger.
 Although corporate loans declined, banks shifted their focus to retail
loans as well as other sectors such as automotive, housing and pers
onal loans.
 On the impact of economic slow down, he said credit growth was
slow and steady.
 The government has announced merger of ten public sector banks
into four as part of plans to create fewer and stronger global-sized
lenders as it looks to boost economic growth.
 5.
INDIA'S FOREX RESERVES ROSE 5% IN H2FY20: RBI
REPORT
 The Reserve Bank kept 618,17 tons of gold at the end of September
2019, with 325,87 tons held overseas · As of September 2019, the
reserves soared to $433,70 billion compared to $412,87 in March
2019. India's forex reserves rose by 5 per cent in the second half of
September 2019.
 In dollar terms, the share of gold in the total foreign exchange
reserve increased to 6.1% at the end of September from 5.6% as of
March 30 2019.
 As at end-September, 2019, the Reserve Bank held 618.17 tonnes of
gold, with 325.87 tonnes being held overseas in safe custody with
the Bank of England and the Bank for International Settlements,
while the remaining gold is held domestically.
 India's forex reserves for the week ended 13 December stood at
$454.492 billion on account of increase in foreign currency assets.
 6.
BROOKFIELD INFRA BUYS INDIAN TELECOM
TOWERS; DEAL EQUITY VALUE IS $3.7 BN
 Brookfield Infrastructure is acquiring a portfolio of around 130,000
communication towers that form the backbone of Reliance Jio's
telecommunications business infrastructure.
 Brookfield Infrastructure Partners is a leading global infrastructure
company that owns and operates high quality, long-life assets in the
utilities, transport, energy and data infrastructure sectors across
North and South America, Asia Pacific and Europe.
 These are recently constructed assets that are strategically located
for pan-India 4G coverage. These towers are well-positioned from a
competitive perspective as they are largely connected by fiber
backhaul, which provides a unique platform to capitalize on the
rollout of 5G and future technologies.
 Brookfield Infrastructure is the flagship listed infrastructure company
of Brookfield Asset Management, a leading global alternative asset
manager with over $500 billion of assets under management.
 Brookfield Infrastructure Partners is a leading global infrastructure
company that owns and operates high quality, long-life assets in the
utilities, transport, energy and data infrastructure sectors across
North and South America, Asia Pacific and Europe.
 7.
MUTHOOT FINANCE TO ACQUIRE IDBI'S ASSET
MANAGEMENT, MUTUAL FUND BUSINESSES FOR
RS 215 CRORE
 Muthoot Finance Ltd signed a final agreement to purchase IDBI
Asset Management Ltd and IDBI Mutual Fund Trustee Company Ltd.
 Muthoot will shell out Rs 215 crore to buy 100 percent equity shares
of IDBI Asset Management and IDBI MF Trustee, according to an
official statement from the company.
 The deal, which is scheduled to close by the end of February 2020,
is subject to approval by regulators including India's Securities and
Exchange Board (SEBI).
 When the transaction is completed, both IDBI Asset Management a
nd IDBI MF Trustee will become Muthoot Finance's wholly-
owned subsidiary.
 IDBI Mutual Fund is one of the mutual fund space companies with as
sets valued at Rs 5,300 crore under management.
 8.
THREE UP REGIONAL RURAL BANKS
TO BE AMALGAMATED

 After consultations with the National Bank for Agriculture and Rural
Development (NABARD) and the supporting banks of the regional
rural banks concerned, the Ministry of Finance announced that
three rural public sector banks had decided to form a single rural
bank.
 On 1 April 2020, Baroda Uttar Pradesh Grameen Bank, Kashi Gomti S
amyut Gramin Bank and Purvanchal Bank will be merged into a sing
le regional rural bank called Baroda UP Bank
 According to the notification, the headquarters of the Baroda UP Ba
nk will be in Gorakhpur under the sponsorship of Bank of Baroda.
 Bank of Baroda is the sponsor of Baroda Uttar Pradesh Grameen
Bank, Union Bank of India is the sponsor of Kashi Gomti Samyut
Gramin Bank while the State Bank of India is the sponsor of
Purvanchal Bank.
 It is necessary in the public interest and in the interest of the
development of the area served by the aforesaid Regional Rural
Banks and also in the interest of the said Regional Rural Banks
themselves, that the said regional rural banks should be
amalgamated into a single regional rural bank.
 9.
TATA HOUSING FINANCE TO RAISE RS 2,000
CRORE VIA NON-CONVERTIBLE DEBENTURES
 Tata Housing Finance has said it will raise Rs 2,000 crore with coupon
rates ranging from 7.92 per cent to 8.70 per cent through public pla
cement of non-convertible debentures (NCDs).
 The base size of the issue is Rs 500 crore with an option to retain
oversubscription up to Rs 1,500 crore.
 At least 75 per cent of the net proceeds of the NCDs will be used for
the purpose of onward lending, financing, and for repayment /
prepayment of interest and principal of existing borrowings of the
company.
 10.
RELIANCE JIO LIKELY TO ENTER MUTUAL FUND
SPACE, SELL OTHER FINANCIAL PRODUCTS
THROUGH JIOMONEY
 Mukesh Ambani’s Reliance Jio Infocomm is likely to enter the market
through its digital payment app JioMoney to sell mutual funds and
other financial products in the new year.
 The assets under management (AUM) of the MF Industry have grown
nearly 3.5 times in ten years. AUMs which stood at Rs 8.22 lakh crore as
on November, 30 2009 rose to Rs 27.05 lakh crore as on November 30,
2019.
 The Business Times also cited a Reliance Jio official saying the company
has been beta-
testing its employee bid for a few quarters, enabling the telco to test its
network and facilities, in addition to plugging gaps before a formal
launch.
 JioMoney is an app that enables users to make secure digital
payments such as mobile and DTH recharges, everyday payments,
send/receive money, pay insurance and other premiums and
managing finances.
 Jio Payments Bank has already been launched by Reliance Industries
in April 2018. Jio Payments Bank, a joint venture between Reliance
Industries and the State Bank of India, formed competitors such as Air
tel Payments Bank and Paytm Payments Bank
THANK YOU