Indian Overseas Research Articles

Determination of Profitability And Liquidity Analysis of Banking Industry In India

The banking industry has a key function in the public sector, and the majority of people profit from it. It also plays a significant role in global commerce. This study focuses on the financial performance of selected commercial banks, including Bank of Baroda, Bank of India, Bank of Maharashtra, Canara Bank, Central Bank of India, Indian Bank, Indian Overseas Bank, Punjab & Sind Bank, Punjab National Bank, and State Bank of India. Secondary data is acquired from the bank's balance sheets and websites. The following financial ratios were employed in this study: net profit margin, return on assets, return on net worth, and return on long-term funds, current ratio, and quick ratio. To investigate the financial performance of selected banks and organisations that demonstrate strong profitability and liquidity maintenance.

An Analysis of Indian Overseas Bank's Case Study on the Conceptual Framework of Lending Technologies for Financing Small and Medium-sized Businesses

This to examine the Indian Overseas Bank’s credit facilities MSMEs with various financing options available and also examine the constraints in credit facilities. The sample respondents was 90, which comprised of seventy-one manufacturing enterprises and nineteen service enterprise respondents. Statistical tools such as Percentage analysis, Chi-square Test, factor analysis was used to analyse the data. The study revealed that, among manufacturing enterprise and service enterprise respondents, majority (67.60 per cent and 57.89 per cent) were small entrepreneurs. in middle age group (37.78 per cent). About 40 per cent were graduates and 78.89 per cent were sole proprietors. There was a significant association between type of business and age group, form of organization and business experience. 98 per cent of respondents were aware about term loan of which 65.90 per cent availed loan. 91 per cent of the respondents were aware of working capital finance of which 70.73 per cent availed loan. Bank officers (67.77 per cent) were main source of information. The source of finance (64.44 per cent) was IOB loan. They were willing to avail loan amount of Rs. 1-10 lakhs for two years. Maximum respondents repaid 25-50 per cent of loan. Difficulties faced by the customers in availing credit facilities were grouped under seven factors. Top five ranks were given to the statements such as; network of bank branches is not good, no wide range of services, non-availability of timely rehabilitation finance, lack of dissemination of information and lack of MSME loan processing centres at key locations. Majority of the respondents suggested for specialized branches of MSMEs (40 per cent).

What drives Indian MNCs overseas investments-developing economy perspective

The research reviews the host nation’s governance quality (GQ) and locational determinants' roles in attracting Indian overseas investments. Findings reveal that strategic asset-seeking and market-seeking motivations primarily influence Indian investors' overseas investment decisions. When seeking investments in developed nations, Indian MNCs prefer weak governance similar to that in their home country. On the other hand, Indian MNCs prefer developing nations with strong GQ (except for weak voice and accountability) for both market-seeking and strategic asset-seeking investments.

Global intellectual history in International Relations: Hierarchy, empire, and the case of late colonial Indian international thought

AbstractThe Eurocentric critique of the International Relations discipline has brought welcome attention to non-European international thinkers, and anti-colonial or anti-imperial thinkers in particular. Frequently these thinkers and associated movements are rightly described in thematic terms of emancipation, equality, and justice, in opposition to the hierarchical worldview of empires and their acolytes. Notwithstanding the broad validity of this depiction, a purely oppositional picture risks obscuring those aspects of ‘non-European’ international thought that evade simple categorisation. Drawing upon archival material and historical works, this article applies approaches offered by global intellectual history to the works of late colonial Indian international thinkers, exploring the mixed registers of equality and hierarchy, internationalism and imperialism present in their writings. Concentrating on three ‘sites’ connected by the common themes of diaspora and mobility: the plight of Indians overseas in East Africa; the concept of ‘greater India’; and the international political thought of Benoy Kumar Sarkar, the article complicates the internationalism/imperialism divide of the early twentieth century, showing how ostensibly opposed scholarly communities sometimes competed over similar forms of knowledge and ways of ordering the world. This offers a framework by which the contributions of global intellectual history can be applied to the study of international political thought.

Increased Gray Matter Volume Induced by Chinese Language Acquisition in Adult Alphabetic Language Speakers.

It is interesting to explore the effects of second language (L2) acquisition on anatomical change in brain at different stages for the neural structural adaptations are dynamic. Short-term Chinese training effects on brain anatomical structures in alphabetic language speakers have been already studied. However, little is known about the adaptations of the gray matter induced by acquiring Chinese language for a relatively long learning period in adult alphabetic language speakers. To explore this issue, we recruited 38 Indian overseas students in China as our subjects. The learned group included 17 participants who had learned Mandarin Chinese for an average of 3.24 years and achieved intermediate Chinese language proficiency. The control group included 21 subjects who had no knowledge about Chinese. None of the participants had any experience in learning logographic and tonal language before Chinese learning. We found that (1) the learned group had significantly greater gray matter volume (GMV) in the left lingual gyrus (LG) compared with the control group; (2) the Chinese characters’ reading accuracy was significantly and positively correlated to the GMV in the left LG and fusiform gyrus (FG) across the two groups; and (3) in the learned group, the duration of Chinese learning was significantly and positively correlated with the GMV in the left inferior frontal gyrus (IFG) after correction for multiple comparisons with small volume corrections. Our structural imaging findings are in line with the functional imaging studies reporting increased brain activation induced by Chinese acquisition in alphabetic language speakers. The regional gray matter changes reflected the additional requirements imposed by the more difficult processing of Chinese characters and tones. The present study also show that the biological bases of the adaptations induced by a relatively long period of Chinese learning were limited in the common areas for first and foreign language processing.

Satisfaction Level of Customers in Demographic Variables in Public Sector Banks

The aim of our study is to look at the impact of various demographic parameters on Internet banking service excellence, client value, fulfillment, and trust. Increased competition and the emergence of financial liberalization-driven technology are pushing significant changes in the way Indian banks operate and provide services to their consumers. Banks are rapidly going into a new era of fantastic technological banking in order to ensure functional excellence and improved consumer loyalty. Because using technology to provide banking services costs money and time, it's vital to assess whether technological advancements genuinely improve client satisfaction. The aim of our study is to look at the effect of demographic factors on several determinants of consumer satisfaction in the Indian banking industry, as well as their relationship to service quality, value, and overall performance in electronic banking. In Thiruvananthapuram district, Kerala, India, a customer survey (N=290) of Indian public sector banks such as UDC Bank, Indian Bank, and Indian Overseas Bank gathered the required data. According to the data, consumers with a higher level of education and revenue who utilize Internet banking for a large portion of their financial requirements and have done so for a longer period appear to have a higher level of satisfaction. Customers' evaluations of the efficiency, value, satisfaction, and loyalty component of internet banking service were used to determine gender and age.

A study on privatization of banks in india

The Banking Regulation Act, 1949 defines “Banking “;as “the means of accepting, for the purpose of lending or investment of deposits of money from the public repayable on demand or otherwise. It also defines “Banking Company” as any company which transaction business. Banking is entirely different and distinctive from any other business institution. It is made up of common man's deposits. The decision to privatize banks is taken after 51 years of independence. The first time the nationalization of banks happened in 1969. The responsibility to select Public Sector Banks to be privatized in the FY2021–22 was given to NITI Aayog. Central Bank and the Indian Overseas Bank are the foremost choices for privatization. The two departments: Department of Financial Services (DFS) and the Department of Investment and Public Asset Management (DIPAM) will scrutinize and decide which bank will be privatized. Finance Minister Mrs. Nirmala Sitharaman said in her 2021–22 Budget Speech that in 2021-22-year the government will privatize two banks. The paper tries to find the reason for the Privatization of banks, why only few banks are going to be privatized, the effect of post-Privatization, challenges in the way of its implementation.

Evolving Policy Framework of Outward FDI from India

The present paper seeks to study the evolving policy paradigm of Indian outward foreign Investment, especially from the year 2000 till the present. Indian overseas investment has gone through a multitude of overhauls since the liberalization and globalization era of the 1990s.. The study, while highlighting the changing sectoral and geographical composition of Indian OFDI from 2000-2021, underpins the pivotal role played by the Indian Government in fostering gradual but steady policy reforms for calibrating the suitable ecosystem for overseas investment by Indian MNCs. The paper’s findings suggest that developed nations are preferred over developing ones owing to the desire of acquiring strategic assets while the service sector grabs the larger share over the manufacturing sector with respect to cross-border OFDI deals from India. The research suggests further liberalization of services like communication, education and personal services to augment the contribution of the service sector in India's OFDI

Comparative Study: Mental Health of Indian Citizens and Indians Overseas

India is becoming the leading nation of immigrant origin in. Every year many people emigrate from India to other countries. Immigration is not easy and comes with its own troubles and has a profound impact on mental health. The aim of the study was to compare the mental health of Indian citizens and Indians overseas (NRIs and POIs). Samples (N=100) were collected from people living in India, Canada and USA falling in the age group of 21-75years. Two self-rated scales Beck depression inventory and Zung self-rated anxiety scale was used to collect the data. The results show that a total of 23% of the samples were suffering from depression. 16% were dealing with mild mood disturbances, 2% with borderline clinical depression, 3% moderate depression, 1% severe depression and 1% extreme depression as self-rated depression and for anxiety the results show that 27% of the sample population were suffering from anxiety issues. 25% had minimal to moderate anxiety levels and 2% had marked to severe anxiety levels as self-rated anxiety. ANOVA analysis was used to compare the two groups it showed that over all there was no significant difference between the two groups. Although while comparing the population in age groups it was found 21-30year old Indian citizen mental health was better than Indians overseas. No significant difference was found in the age groups 330-50years and 50and above.

Indian child migration in the British Empire

AbstractHistorical scholarship on the colonial child and of child emigration in the British Empire has flourished in recent years, but the South Asian child migrant has not figured in these studies. Meanwhile, studies on global Indian migration in the British Empire are part of an exciting, growing field, but young people are rarely considered. This article discusses the rich and growing historiography on Indian overseas migration in the 19th and early 20th century and tries to locate the Indian child within it. It surveys work on indentured servitude, labour migration and elite travel and considers how the Indian child migrant can be located in historical works and archives. It argues that the historiography would benefit from an explicit thematisation and historicisation of the Indian child in topics such as ship voyages, child labour and education. In surveying this literature, this article argues that there is huge scope for historians of migration, childhood and empire to examine the experience of children who migrated out from the Indian subcontinent to offer deeper insight into social, economic and political change on a global scale and the Indian child migrant's relationship to shifting ideas of race, class, citizenship and nation in this period.

Indian overseas direct investment in services sector: a study on emerging trends and patterns

Indian overseas direct investment in services sector: a study on emerging trends and patterns

Indian overseas direct investment in services sector: a study on emerging trends and patterns

Indian overseas direct investment in services sector: a study on emerging trends and patterns

Overseas Direct Investment from India: Setting Up of Step-Down Subsidiaries

The Indian legal framework regulating overseas direct investment from India is evolving to adapt to the challenges put forth by the increase in outward investment. In this context, the Foreign Exchange Management (Transfer or Issue of Any Foreign Security) Regulations, 2004 govern the setting up of step-down subsidiaries by an overseas Joint Venture (JV) or Wholly Owned Subsidiary (WOS) of Indian residents. The Regulations, while prohibiting the setting up of step-down subsidiaries by an overseas JV/WOS of an individual, allow the same in the case of overseas JV/WOS of other entities. This article argues that the reasons for this differential treatment include the historically restrictive approach of the Reserve Bank of India towards individuals and its concerns against the roundtripping of funds. The article lays down the context in which the Regulations operate by looking at the reasons that influence outward direct investment in India. It then analyses the regulatory approach governing the setting up of overseas step-down subsidiaries vis-à-vis individuals and other entities, highlighting the underlying concerns of curbing the menace of round-tripping of funds. The article concludes with critiquing the differential treatment between individuals and entities, and the restrictive approach taken in curbing the problem of round-tripping of funds. Indian overseas direct investment, step-down subsidiary, outward Indian investment, multi-layered corporate structure, round-tripping, Reserve Bank of India, Foreign Exchange Management Act.

Composition of Outward Foreign Direct Investment from India

After the liberalization regime of 1991, the major policy changes undertaken regarding overseas investment, such as, industrial deregulation and trade liberalization, led to major changes in the Indian economy. This leads to increase competence in Indian investors to compete on a global level on a sustained basis. The paper intends to drag attention towards the composition of outward foreign direct investment (OFDI) from India. It also examines the competition for Indian overseas investment among different sectors. Indian overseas investment in manufacturing sectors is getting the utmost importance, followed by service sectors in different country groupings from 2008 to 2019, using the rank dominance index.

British colonial expansion with Indian diaspora: the pattern of Indian overseas migration

Historically, India played a crucial role in the establishment and maintenance of the British Empire overseas. Through the conquest of India, the British not only acquired great material wealth and secured the accumulation of industrial capital, but also obtained a sizeable pool of skilled human resources to facilitate its colonial expansion. At present, the total number of overseas Indians has exceeded 30 million, making up the second largest Diaspora after that of China. This massive immigrant group and its overseas distribution were inseparable from the British conquest of India and its borrowing and export of human resources to India. Through conscription, the recruitment of service personnel, the exile of criminals and the utilization of indentured labor, the British colonial rulers transferred Indian manpower to other colonies to serve their colonialist interests. This expansion was also accompanied by the movement of a large number of Indian businessmen, and all these Indian immigrants would lay the basic foundation and structure of today's global Indian Diaspora.

Contested and Cemented Borders: Understanding the Implications of Overseas Indian Citizenship

Abstract Although the Person of Indian Origin (PIO) and Overseas Citizen of India (OCI) schemes have existed for some time, they began to serve a political and economic purpose for the Republic of India with the arrival of the twenty-first century. The OCI status asserts “Indianness” as a legible quality in diasporic memory. It does the work of cementing political Indo-Pakistani and Indo-Bangladeshi borders, while coopting the language of transnationalism to bolster the fundamentally nationalist regime of capitalism at work in the Republic of India. The goal of this regime is to promote a functionally nationalist, and thus, anti-transnational reality. As more generations of South Asians live and grow up abroad, creating a legible “Indianness” functions as a service to the capitalist Indian economy. These individuals abroad are encouraged to identify as diasporic “Indians” who must engage with their “motherland.” Thus, the transnationalist discourse of decreasing territoriality is exploited by the Indian state to serve goals that function in ideological opposition to transnationalism. As this discourse of legible “Indianness” becomes more successful, there will be increasing incentives for the ruling party in India to further privilege OCIs. In the end, the language and capital of the OCIs affirms the powers of capitalism contemporary Indian nation-state.

A Study on Effects of Job Stress of Employees in Indian Overseas Bank, Villupuram District

This article “A study on effects of job stress of employees in Indian Overseas Bank, Villupuram District” focused mainly on employee’s welfare and their main objective is to bring out the mental burden of employees during their work and all my following objectives are given from the original study area. To study the profile of Indian Overseas Bank in Villupuram branch. To analyze the staff stress in Indian Overseas bank in study area. To find out the finding related suggestions and conclusion. Sampling Technique The study was mainly carried out by empirical investigation through the collection of primary data from the employee at Indian overseas bank, Villupuram. There were only 50 employees at Indian overseas bank, Villupuram. Hence, the entire populations were selected as the samples for the study. A limitation of the Study The present study has a few limitations. The following are some of them. Since the study is confined to bank managers and bank staff members onlyit may not apply to other types bank staff members and managers. The findings of the study are based only on the views of the bank managers, other Staff in IOB bank in Villupuram branch at the particular period of study. The findings may not hold good forever. The questions involving the family set up and other personal details, which may have an impact on the stress level of individuals, were omitted in order to limit the size of the study.

A Study On Effectiveness Of Recovery Mechanism Of Npa With Special Reference To Indian Overseas Bank

Banking sector has a major role in determining the economy of the country. Thus by having a high rate of Non Performing Asset the banks fails to raise their profitability which has a direct relation with the countries economic growth. In this study we deal with the different recovery mechanism which is being preferred by the employees of Indian Overseas Bank. The recovering of NPA from the customers which will increase the profitability and also the bank’s credibility. Even though the NPA is high in the commercial bank, bankers are forced to lend to people by RBI. Proper awareness has to be incorporated to customers as well as the managers so that it will help them in recovering the loans at ease of time.

Modi’s Cultural Diplomacy and Role of Indian Diaspora

Ever since Prime Minister Narendra Modi came into the helm of affairs, he has stressed the role of the Indian Diaspora in Indian foreign policy making because he had realized the importance of the Diaspora in his development strategy. More than 25 million members of the Indian Diaspora are scattered around the world, which includes more than 3 million Indian origin Diaspora in the United States (US). According to the Ministry of Indian Overseas Affairs [This Ministry has been scrapped during National Democratic Alliance (NDA) government], the Indian Diaspora is the second largest in the world after China. Thus, it is imperative to give importance to Indian foreign policy framing. This trend is new in Indian policy making as India had hardly focused on its Diaspora to tap their resources, potential and assets that they have. In 2015, former Indian Foreign Ministry’s spokesperson Syed Akbaruddin said that ‘India’s soft power diplomacy now goes beyond books, culture and cinema’. Mr Modi made a total of 49 foreign trips by May 2017 to woo the Indian Diaspora. In almost every meeting during his foreign visit, he urged the Indian Diaspora to be a part of Indian development by investing in the Indian economy, by donating to the clean river Ganges program, and participating in Indian rural development programmes as well. In this context, this article expounds the role of the NDA government’s cultural diplomacy in Indian foreign policy making. This article also seeks to answer what the Indian government’s strategy to tap the ‘resources’ of the Indian Diaspora is. Finally, the article examines the role of the Indian Diaspora in the development strategy of India.

Estimating probabilities of default of different firms and the statistical tests

The probability of default (PD) is the essential credit risks in the finance world. It provides an estimate of the likelihood that a borrower will be unable to meet its debt obligations.PurposeThis paper computes the probability of default (PD) of utilizing market-based data which outlines their convenience for monetary reconnaissance. There are numerous models that provide assistance to analyze credit risks, for example, the probability of default, migration risk, and loss gain default. Every one of these models is vital for estimating credit risk, however, the most imperative model is PD, i.e., employed in this paper.Design/methodology/approachIn this paper, the Black-Scholes Model for European Call Option (BSM-CO) is utilized to gauge the PD of the Jammu and Kashmir Bank, Bank of Baroda, Indian Overseas Bank, and Canara Bank. The information has been taken from a term of 5 years on a yearly premise from 2012 to 2016. This paper demonstrates how d2 in Black Scholes displayed help in assessing the PD of the various firms.FindingsThe fundamental findings of this paper are whether there are any mean contrasts between the mean differences of PD between the organizations utilizing ANOVA and the Tukey strategy.