Abstract Study is intended to emphasis significant impact of covid-19 a global pandemic situation in Indian economy. Indian economy consists various segments like, rail system, ecommerce industry, automobile sector, restaurants industry, information technology and software services, travels and tourism industry and lots of others industry having vital role in Indian economy. Economy was running as usual and suddenly at the end of third quarter of fiscal year 2019-20 a novel corona virus entered in Indian territory and start to infect the peoples silently. Gradually number of infected persons increased and a global pandemic situation been declared by the concerned authorities. Just within two months it’s been spread across the country and survival gone typical in normal course. Hence Indian government decided to complete lockdown nationwide to cope up with this global pandemic situation. Indian economy been sickening due to global pandemic situation. Every industry adversely affected by this covid-19 a global pandemic. Financial as well as convenience crises been arisen. To run and maintain economy every government required funds which is collected in form of taxes like, income tax, goods and service tax, etc. goods and services tax leviable only on supply of goods or services. Now in nationwide lockdown, supply of goods and services are completely affected adversely. Hence GST collection will also be affected adversely.

Abstract Key performance metrics and demand are under pressure during this pandemic situation, all automobile producing companies came to a near shut down during this lockdown period. The industry has to bear the standing charges as well as most of them have started participating in social work and contributing to the health care, funding the hungry population, etc. This paper tried to focus on a different angle to find out the buying behaviour of the automobile customers of India post lockdown. Personal survey as well as interview method is adopted with open and closed questions. This generated significant estimation of the future purchasing decision of the prospective buyers and others for cars post lockdown. It is a search for the different impacts of COVID-19 on the buying behaviour of automobiles and the hidden causes for such behaviours. Though the companies see a gloomy sky, but the resultant of this paper can give them a different view, which will help them to enhance their sales by meet in certain requirements as recommended in this paper.

Abstract Background: The Indian economy has witnessed a rapid financial transformation in the recent time period. And with this rapid financial transformation the economy has also witnessed shift in the planning for financial responsibilities like children education, retirement planning, planning of funds for financial emergencies etc. from employer to employee which ultimately led to the growing importance of financial literacy. The purpose of the study here is to ascertain financial literacy level of Households in the Central Region of Uttar Pradesh on the basis of basic and advance financial literacy questions and also highlights the significance of financial literacy in Post COVID-19 scenario. Method: The present study considers primary source of data. A total sample from 394 Households by way of non-probability sampling convenience sample method was selected from Central Region of Uttar Pradesh to determine the financial literacy level. Result: The findings of the study revealed that more than half of the household respondents were found low in financial literacy level and lack in financial numeracy concepts as well as to cope up with financial emergency situations. Conclusion: The results clearly showed that there is urgent need to educate individuals about managing personal finance for present as well as for future emergencies which help them to face the obstacles as prevalent

Abstract The main purpose of the study was to identify the various issues of the Indian Tourism sector faced by tourists of different age groups. This study was undertaken based on the primary method of data collection i.e. through an online questionnaire and various published secondary sources of data collection. In this study, convenient non-probability sampling technique was used to collect responses from 110 respondents. The hypothesis of the study was tested by using Kruskal Wallis Non-Parametric Test. The null hypothesis was not accepted by the researcher. The study concluded that there is a significant difference in the opinion of the tourists of different age groups regarding the persisting issues of the Indian tourism sector. Various age groups of tourists face different issues and are concerned with different challenges of the Indian tourism sector while travelling.

Abstract The objective of this paper is to provide additional evidence on the inter industry differences in the Capital Structure of leading Indian companies in terms of market capitalization. Comparisons in the capital structure of 15 industrial groups namely Pharmaceutical, Non-Metallic Mineral Products, Power, Electric Equipment, Automotive, Chemical, Construction, Information Technology, Food-Beverages-Tobacco-Alcohol, Consumer Goods, Textile, Service, Metal, Retail/Wholesale and Others identified from 333 companies are made using three gearing ratios i.e. Total Debt to Net Worth ratio (TDNW), Long Term Debt to Net Worth ratio (LTDNW), Short Term Debt to Net Worth ratio (STDNW). One way ANOVA and Post hoc tests are employed for statistical analysis. Construction and Textile industries have a higher level of debt in their capital structure. However, Information Technology and Service industries are identified as least levered ones. Overall, the finding indicates IT and Service industry to be significantly different from other industry groups in case of all the debt ratios.

Abstract The Government of Telangana launched ‘RythuBandhu’ scheme for farmers on 10th May 2018. The scheme was aimed at relieving farmers of debt burden and protects them from falling into the debt trap.It is a farmer’s welfare programme. Under the scheme, the state Government offered Rs. 4000 per acre per farmer per each crop for the purchase of inputs like seeds, fertilizers, pesticides, labour, etc. The total farming land is 1.42 crore acres and the number of farmers in the state is 58.33 lakhs. During 2018-19 budget, the Government has allocated Rs. 12000 cr. for the scheme. Further,Telangana Government decided to increase the amount under the scheme up to Rs. 5000 per acre during 2019-20 budget and allocated Rs. 12000 cr. Since, June 2nd 2019, the farmerswere being given Rs. 5,000 per each acrein both Kharif and Rabi season. Therefore, the present studyaims to evaluate the performance of RythuBandhu scheme.The study also focusesto evaluate the impact of RythuBandhu scheme on farmer’s with the help of three parameters. As a part of it, primary data collected from 193 respondents and tested with the help of SPSS version 20. Besides, results, discussions,policy implications and suggestions are also discussed.

Abstract Grape is one of the vital fruit crops in tropical Karnataka. Over 13400 hectares of grape plantation exist across the Vijayapur district, where no others districts in the Karnataka and it has unique taste and deliciousness. The Karnataka has high potential to produce varieties of grapes in Vijayapur district proved highest grapes production under continuous irrigation condition and the average yield also. Sustainable grape growing is the journey of continually improving one’s ability to reduce threats to environmental and social footprints. The farmers switched to sustainable grape production that doubled the production in terms income. Improved variety of grapes production adopted by new method of farming by farmers. This paper analyzes the farmers’ adoption of sustainable grape farming practices in Vijayapur District, Karnataka based on farm household survey conducted in 2020. The study has adopted Multiple Regression Analysis technique to identify sustainable grape farming practices in Vijayapur. Hence, the present study aims to understand the determinants of sustainable grape producers in research area. The present study stressed on sustainable grape manufacturing and its proper utilization.

Abstract To satisfy the investor’s desire to quick returns, companies had to often trade-off their sustainability and long term growth. The growth rate of a company has the quickest impact on true value of a stock. The paper tried to study how the growth sustainability (using ROE and retention ratio) affects the intrinsic value of a stock and its deviation from the market value. The paper is divided into two segments. The first part deals with financial relationship between Discounted Cash Flow, P/E Multiplier and Market Value. In the second part the paper uses econometric tools to study the short run association between the variables. The comprehensive empirical work aims at identifying the over-pricing or the under-pricing of the stocks at different phases of growth rates. Econometric tools like ADF, VAR, Grangers Causality and Dynamic OLS is used. Findings of the present work show the divergence between this estimated true and market value of stocks is not significant (at 5% significance level) for the banks that follow steady growth sustainability. Thus the paper concludes at testing the impact of growth sustainability on correct market mechanism of the stock pricing.