RGCMS Journal of Business & Management Research (RJBMR)
type: channel
description: RGCMS journal is the proud owner of RGCMS journal and publisher of the RGCMS journal of Business and Research. RJBMR is annual, peer-reviewed,open-access journal. RJBMR aims to solicit original high-quality research work that can contribute to theory building. RGBR focuses on sharing results of academic research. It serves as a platform for researchers to communicate their findings, methodologies and conclusions to thea broader community. RJBMR is a multi-disciplinary journals. All manuscripts are having open-access and are available on the journal’s website. Journal Name RGCMS Journal of Business & Management Research (RJBMR) Frequency Annual E-ISSN: 2584-1858 Publisher: RGCMS Publishing House Copyright: RGCMS Publishing House Starting Year: 2023 Subject: Business Management & Research Language: English Publication Format: Online Phone No.: -9321754229 Email Id: publisher@rgcms.edu.in Mobile No.: 8976583396 Website: https://www.rgcms.edu.in Address: CIDCO, Plot No 01, Sector-8 Ghansoli, Navi Mumbai-400701 (India)
publisher: RGCMS Publishing House
language: en
publication name: RGCMS Journal of Business & Management Research (RJBMR)
issn: 2584-1858
items: Gold Price increasing and effect on GDP of India
items: AI-Driven Risk Assessment in Blockchain-Based Asset Tokenization
items: Financial performance analysis of Bharat Petroleum Corporation Limited (2020-2025)
items: Cost to Company (CTC): Breakdown, Costing, and Strategic Design
items: Analyzing Consumer Satisfaction with Tanishq Jewellery Products: A Study of Marketing Mix Strategies
items: The Effect of Product Packaging on Consumer Perception
items: Technology’s Role in Transforming Compensation Management System
items: Impact of Flood on Maharashtra Rural Economy
items: Impact of Digital Payment Systems (UPI & Google Pay) on Cashless Economic Growth
items: Impact of Online Business on Local Market
items: Impact of Income Tax Laws on Compensation Structuring in India: ACorporate Strategic Analysis
items: Determinants of Household Consumption Expenditure: A Case Study of India
items: TO STUDY THE IMPACT AND EFFECTIVENESS OF HRMS IN TEAMHR
items: A STUDY ON INVESTMENT PATTERNS OF INDIVIDUALS INVESTING IN VARIOUS SCHEMES OF RDCC BANK
items: A STUDY OF FACTORS AFFECTING INVESTMENT DECISIONS WITH REFERENCE TO MY SAMRUDDHI INVESTWISE PVT. LTD.
items: A STUDY OF INVESTOR ATTITUDE TOWARD INVESTMENT WITH REFERENCE TO MY SAMRUDDHI INVESTWISE PRIVATE LIMITED.
items: IMPACT ON UPI ON LOCAL VENDORS
items: A STUDY ON INVESTMENT AWARENESS AND KNOWLEDGE AMONG SALARIED EMPLOYEES IN NAVI MUMBAI
items: A STUDY ON EXIM PROCEDURES AND DOCUMENTATION WITH REFERENCE TO GALAXY CARGO SERVICES LLP
items: A Study on Client Acquisition process at NetWeaver Technovations Pvt. Ltd.
items: A STUDY OF RECRUITMENT PROCESS IN COSMOS INTEGRATED SOLUTION PVT. LTD.
items: A STUDY OF RECRUITMENT PROCESS AT SHUNYATATTVA MANAGEMENT CONSULTANT
items: CONSUMER PREFERENCE TOWARDS VARIOUS INVESTMENT AVENUES : A STUDY CONDUCTED IN MY SAMRUDDHI INVESTWISE PVT. LTD
items: Impact of Smart phones and its Impact
items: Children exposure to media do parental control work
items: Consumer Behavior in Online Purchasing
items: Artificial Intelligence in Business and Industry
items: Social Media and its impact on teenagers
items: Comprehensive Analysis: Impact of Attitude on Human Lifestyle
items: Study of work culture and its impact on employees productivity working underDifferentOrganization

Gold Price increasing and effect on GDP of India
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description: Gold holds a unique and deeply entrenched position within the economic, social, and cultural fabric of India. As one of the world's largest consumers and importers of gold, India's economy is profoundly susceptible to fluctuations in its price. This research paper undertakes a qualitative analysis to explore the multifaceted impacts of gold price movements on various sectors of the Indian economy. Employing a qualitative research design, the study synthesizes insights from extensive secondary data, including academic literature, government reports, central bank publications, and financial analyses. The analysis reveals significant qualitative impacts across households (savings, consumption, cultural practices), the external sector (current account deficit, foreign exchange reserves, smuggling), the financial system (gold-backed loans, financial instruments), government policy (revenue, regulatory challenges, monetization schemes), and the rural economy (store of value, credit access). The paper argues that understanding these intricate qualitative dimensions is crucial for effective policy formulation, as mere quantitative metrics often fail to capture the deep-seated cultural and behavioral drivers of gold demand and its economic repercussions. The findings underscore the need for a nuanced approach that acknowledges gold's dual role as both an economic commodity and a cultural phenomenon in India.
subject: Articles
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creator: Mohinish Kadam
creator: Mukulkumar Singh
rights: Copyright (c) 2025 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-01-01
publication date: 2025-01-01
starting page: 107
ending page: 118

AI-Driven Risk Assessment in Blockchain-Based Asset Tokenization
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description: The banking industry's credit risk management is changing due to the quick uptake of blockchain technology and artificial intelligence (AI), which improves operational effectiveness, regulatory compliance, and prediction accuracy. While blockchain offers safe, transparent, and unchangeable transaction records, AI uses algorithmic learning, natural language processing, and statistical analysis, to evaluate counterparty risk, predict liquidity requirements, and identify early warning signs. This study compares conventional techniques with cutting-edge data-driven approaches to investigate the combined effects of artificial intelligence and digital currencies on credit risk assessment. Data was gathered from secondary sources and financial experts using a comprehensive analytical and descriptive methodology, and both machine learning and statistical methods were used for analysis. Results show that AI-powered counterparties valuation, policy as software surveillance, robotic corporate actions, and immediate updates greatly enhance investor experience, tokenized asset lifecycle management, and credit risk assessment. Accuracy, reliability, and operational resilience are guaranteed by alignment with legal structures like the NIST AI Risk handling Framework. The study comes to the conclusion that combining blockchain with AI offers a strong basis for safe, effective, and legal financial systems, particularly as symbolization and digital assets expand internationally.
subject: Articles
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subject: Array
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creator: Jyoti Karmiyani
rights: Copyright (c) 2025 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-01-01
publication date: 2025-01-01
starting page: 95
ending page: 106

Financial performance analysis of Bharat Petroleum Corporation Limited (2020-2025)
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description: This paper evaluates the financial performance of Bharat Petroleum Corporation Limited (BPCL), a prominent Indian oil and gas company, over the period from 2020 to 2025. It explores crucial financial metrics such as Earnings Per Share (EPS), Dividend Per Share (DPS), Market Price per Share (MPS), liquidity ratios, and solvency measures. The research investigates BPCL's profitability patterns, dividend policies, fluctuations in market valuation, and overall financial health. Furthermore, the study examines the company’s operational efficiency, capital structure, and investor confidence. The goal is to provide insights into BPCL’s growth path, focusing on how its strategic financial choices influence long-term performance and sustainability.
subject: Articles
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creator: Divya Mahadule
creator: Atul Pawar
rights: Copyright (c) 2025 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-01-01
publication date: 2025-01-01
starting page: 89
ending page: 94

Cost to Company (CTC): Breakdown, Costing, and Strategic Design
type: item
description: Cost to Company (CTC) represents the total financial commitment an organization makes toward employing an individual, encompassing direct remuneration, statutory contributions, benefits, and indirect employment costs. A comprehensive CTC breakdown typically includes fixed pay components (basic salary, allowances), variable pay (incentives, bonuses), statutory costs (provident fund, gratuity, insurance, payroll taxes), and non-cash or indirect benefits (health coverage, learning budgets, equipment, and administrative overheads). Accurate costing of CTC enables organizations to assess true labour expenses, ensure statutory compliance, and maintain internal equity across roles and grades. Strategic CTC design aligns compensation structures with organizational objectives, market competitiveness, and workforce motivation. This involves optimizing the mix of fixed versus variable pay, balancing short-term cash flow with long-term retention incentives, and tailoring benefits to employee demographics while managing tax efficiency and cost predictability. A well-designed CTC framework enhances transparency for employees, supports performance-driven culture, and enables sustainable talent acquisition and retention within budgetary constraints.
subject: Articles
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subject: Array
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creator: Soham Popat Sargar
creator: Sonali Prakash Kamble
rights: Copyright (c) 2025 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-01-01
publication date: 2025-01-01
starting page: 75
ending page: 88

Analyzing Consumer Satisfaction with Tanishq Jewellery Products: A Study of Marketing Mix Strategies
type: item
description: The present study examines consumer satisfaction towards the marketing strategies of Tanishq jewellery products, with a specific focus on key elements of the marketing mix, namely product, price, and promotion. The research is descriptive and analytical in nature and is based on primary data collected from 80 respondents using a structured questionnaire. Percentage analysis was employed to understand the demographic profile of consumers, while statistical tools such as the Friedman test and ANOVA were used to identify the specific reasons for consumer satisfaction and to examine the association between satisfaction and selected demographic variables. The study aims to provide empirical insights into how marketing strategies influence consumer satisfaction in the organised jewellery retail sector. The findings reveal that product-related factors such as quality, design, purity assurance, and craftsmanship are the most influential determinants of consumer satisfaction, followed by promotional strategies, whereas price plays a comparatively secondary role. The results further indicate that occupation has a significant association with consumer satisfaction, while age does not show a significant difference in sat isfaction levels. Overall, the study concludes that Tanishq’s marketing strategies are largely effective in addressing consumer expectations, with strong emphasis on product excellence and trust-based promotion. The study offers valuable implications for jewellery retailers and marketers in designing consumer-centric marketing strategies to enhance satisfaction and long-term brand loyalty.
subject: Articles
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creator: Dr. Chahat Hargunani
rights: Copyright (c) 2025 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-01-01
publication date: 2025-01-01
starting page: 65
ending page: 74

The Effect of Product Packaging on Consumer Perception
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description: This study explores the impact of product packaging on consumer perception and purchasing behavior. Packaging serves as a critical element of marketing, influencing not only th e aestheticappeal but also the perceived quality and value of a product. Through a combination of qualitative interviews and quantitative surveys, the research examines how various packaging designs— such as color, shape, material, and labeling—affect consumer attitudes and decision-making processes. Findings indicate that attractive and innovative packaging enhances brand perception, increases consumer trust, and positively correlates with purchase intention. Additionally, the study reveals demographic variations in responses to packaging, suggesting that cultural factors and consumer preferences play significant roles. These insights highlight the importance of strategic packaging design in competitive markets, offering recommendatios for brands to optimize their packaging to align with consumer expectations and enhance market performance.
subject: Articles
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subject: Array
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creator: Dr. Puja Kaushik
rights: Copyright (c) 2025 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-01-01
publication date: 2025-01-01
starting page: 55
ending page: 64

Technology’s Role in Transforming Compensation Management System
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description: Technology has greatly changed compensation management by improving strategic decisionmaking, accuracy, and openness. Human Resource Information Systems (HRIS), artificial intelligence, data analytics, and cloud-based platforms are examples of modern digital systems that help businesses automate payroll processes, create fair and competitive pay structures, and stay in compliance with changing legal requiremnts. By enabling real-time data analysis, these tools enable managers to make well-informed choices about salary planning, performance-based incentives, and employee awards. Compensation procedures consequently become quicker, more reliable, and more in line with corporate goals. All things considered, technology makes compensation management a more intelligent, effective, and equitable system that minimizes administrative work, maximizes expenses, and guarantees that workers receive fair, competitive, and accurate compensation.
subject: Articles
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creator: Shravani Jena
creator: Shrishti Sharma
rights: Copyright (c) 2025 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-01-01
publication date: 2025-01-01
starting page: 48
ending page: 54

Impact of Flood on Maharashtra Rural Economy
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description: Floods in rural Maharashtra create many difficulties for farmers and villagers. When it rains very heavily, rivers and dams get too full and water spills out onto the land. This water covers farms and homes, damaging everything in its path. Crops get destroyed and animals may die, which makes it hard for families to earn money or find enough food. Many people have to leave their homes and stay in safe shelters. In these shelters, they receive food, clean water, and other help from the government and different organizations. Even after the floodwater goes away, villages need a long time to recover. Farmers must fix their fields and start planting again, and families have to repair their homes and try to get life back to normal.
subject: Articles
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creator: Sahil Ghare
creator: Sakshi Singh
rights: Copyright (c) 2025 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-01-01
publication date: 2025-01-01
starting page: 37
ending page: 47

Impact of Digital Payment Systems (UPI & Google Pay) on Cashless Economic Growth
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description: This research project examines the impact of digital payment systems particularly UPI and Google Pay on India’s movement toward a cashless economic ecosystem. With digital transactions growing exponentially in recent years, understanding how they influence financial behaviour, merchant operations, and economic growth has become increasingly important. The study identifies the existing organizational and economic problem: although digital payment usage is rising, many regions still depend heavily on cash due to limited awareness, digital illiteracy, mistrust, and infrastructural challenges. The research adopts a mixed-method approach combining primary data (household and merchant surveys) with secondary data from NPCI and RBI to evaluate changes in spending patterns, sales growth, transaction transparency, and levels of financial inclusion. The analysis highlights how UPI and Google Pay contribute to faster payments, reduced cash handling, improved business efficiency, and increased formalization of transactions.
subject: Articles
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subject: Array
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creator: Anushka Kadam
creator: Apurva Randhir
rights: Copyright (c) 2025 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-01-01
publication date: 2025-01-01
starting page: 25
ending page: 36

Impact of Online Business on Local Market
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description: The rapid expansion of online business has profoundly transformed the dynamics of local markets, altering consumer behaviour, retail operations, and employment structures. This research paper critically examines the dual impact—both beneficial and adverse—of e-commerce platforms on traditional local businesses. Employing a mixed-method approach, the study integrates a comprehensive literature review with primary data collected through surveys of 25 respondents, comprising both consumers and local retailers. The findings underscore a complex interplay between digital convenience and traditional commerce. On the positive side, e-commerce platforms provide consumers with enhanced accessibility, competitive pricing, and a broader product range. For retailers, digital channels offer opportunities to expand market reach and streamline operations. However, these advantages are counterbalanced by significant challenges: local businesses face declining foot traffic, intensified price competition, and shifting consumer loyalty toward online alternatives. Despite these pressures, the study identifies emerging strategies that support local market sustainability. Hybrid selling models—where retailers maintain a physical presence while leveraging digital platforms—are gaining traction. Additionally, the adoption of digital tools for inventory management, customer engagement, and online marketing is helping traditional businesses remain competitive. The paper concludes by offering actionable recommendations to foster resilience in local markets. These include policy interventions to support digital literacy, collaborative e-commerce initiatives among local vendors, and consumer awareness campaigns that highlight the value of supporting neighbourhood businesses. Ultimately, the research advocates for a balanced approach to digital transformation—one that empowers local enterprises to adapt without eroding their unique community value.
subject: Articles
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creator: Vaishnavi Kadam
creator: Veena Rokade
rights: Copyright (c) 2025 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-01-01
publication date: 2025-01-01
starting page: 17
ending page: 24

Impact of Income Tax Laws on Compensation Structuring in India: ACorporate Strategic Analysis
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description: This research paper critically examines the impact of income tax laws on compensation structuring in India during the fiscal years 2024 to 2026. It explores how recent changes in income tax slabs, deductions, and surcharges influence corporate decisions in designing employee compensation packages. The study particularly focuses on the strategic adjustments companies make to balance tax efficiency for both the organization and its employees while complying with evolving tax regulations. Income tax laws in India have undergone significant reforms recently, such as the introduction of relaxed tax slabs under the new tax regime and changes in surcharge rates for high-income earners. These reforms affect how companies structure salaries, bonuses, and benefits like retirement contributions and tax-free allowances. Corporates strategically leverage these aspects to optimize tax liabilities, enhance employee satisfaction, and attract skilled talent through competitive compensation plans. The interplay between income tax laws and compensation structuring also influences workforce management and financial planning within corporations. Organizations adjust salary components—such as basic pay, allowances, and perks—to maximize tax exemptions and deductions under current regulations. This complex balance requires ongoing analysis to align compensation policies with legal compliance and fiscal efficiency, while supporting overall business goals and employee welfare. The paper concludes by offering actionable recommendations for corporate strategists. It suggests that companies should continuously monitor tax law changes to adapt compensation structures proactively. Emphasis is placed on adopting flexible salary models, increasing awareness of tax-saving provisions among employees, and integrating tax planning into broader human resource strategies. These recommendations aim to enhance corporate competitiveness and ensure sustainable financial management in a dynamic tax environme…
subject: Articles
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subject: Array
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creator: Vaishnavi Kadam
creator: Veena Rokade
rights: Copyright (c) 2025 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-01-01
publication date: 2025-01-01
starting page: 10
ending page: 16

Determinants of Household Consumption Expenditure: A Case Study of India
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description: Household spending constitutes a central driver of India’s economic activity, making it important to understand the factors that shape consumption choices across diverse population groups. This study investigates the major economic and socio-demographic influences on household consumption behavior in India, examining elements such as income, family composition, saving habits, education, employment conditions, inflationary pressures, and access to financial services. Using a combination of primary information and secondary data, the analysis compares patterns in rural and urban settings to identify how these determinants operate in different contexts. The results indicate that income levels and household size consistently exert strong effects on expenditure decisions, while education, job stability, and price changes also play significant roles. Insights from the study can assist policymakers in designing measures that strengthen household welfare and support sustainable, consumption-based economic growth.
subject: Articles
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creator: Jayesh Rajeev Bhagat
creator: Mansi Anant Jadhav
rights: Copyright (c) 2025 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-01-01
publication date: 2025-01-01
starting page: 1
ending page: 9

TO STUDY THE IMPACT AND EFFECTIVENESS OF HRMS IN TEAMHR
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description: In today's rapidly evolving business environment, organizations are increasingly recognizing the transformative power of technology in enhancing human resource management. The Human Resource Management System (HRMS) has emerged as a pivotal tool in this transformation, revolutionizing the way HR departments operate. For TeamHR, adopting an HRMS is not just about keeping pace with technological advancements but about strategically positioning the team to drive greater impact and effectiveness across all HR functions. The integration of an HRMS within TeamHR signifies a commitment to optimizing workflows, improving efficiency, and elevating the strategic role of HR. By automating routine tasks and streamlining complex processes, HRMS empowers TeamHR to focus on strategic initiatives that drive business success. This preface explores the profound impact and effectiveness of HRMS on TeamHR, highlighting how it facilitates enhanced productivity, fosters better decision-making, and contributes to a more agile and responsive HR function.
subject: Articles
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creator: Ms. Tejaswini Ahire
creator: Ms. Shravanti Hable
rights: Copyright (c) 2024 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2024-01-01
publication date: 2024-01-01
starting page: 86
ending page: 93

A STUDY ON INVESTMENT PATTERNS OF INDIVIDUALS INVESTING IN VARIOUS SCHEMES OF RDCC BANK
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description: This research paper examines the investment patterns of individuals investing in various schemes offered by RDCC Bank. As a District Co-operative Central Bank, RDCC plays a vital role in promoting financial inclusion and supporting rural and agricultural communities through diverse investment schemes. This study aims to analyze the factors influencing investment choices, understand the demographic profiles of investors, and evaluate the popularity and performance of different schemes within the bank. By exploring the behavior of investors and their preferences, this research provides insights into how RDCC Bank can enhance its investment offerings and better cater to its clients' financial goals. This study highlights the importance of strategic investment planning within cooperative banks and contributes to a better understanding of rural investment behaviors and financial decisions.
subject: Articles
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subject: Array
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creator: Ms. Mansi Mhatre
creator: Ms. Divya Mahadule
rights: Copyright (c) 2024 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2024-01-01
publication date: 2024-01-01
starting page: 78
ending page: 85

A STUDY OF FACTORS AFFECTING INVESTMENT DECISIONS WITH REFERENCE TO MY SAMRUDDHI INVESTWISE PVT. LTD.
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description: This study investigates the key factors influencing investment decisions among clients of My Samruddhi Investwise Pvt. Ltd. in Navi Mumbai. By examining psychological, demographic, and economic factors, including the role of tax considerations, the research aims to provide insights into investor behavior and preferences. The study reveals that younger, well-educated individuals are more engaged in investment activities, with a preference for high-risk options such as equities. Risk tolerance and return expectations are primary drivers of these decisions, while tax efficiency remains a significant consideration, particularly among high-income respondents. The findings highlight the need for tailored investment strategies that cater to varying risk appetites and demographic profiles, as well as an emphasis on digital engagement for providing financial information.
subject: Articles
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subject: Array
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creator: Ms. Nisha Yadav
creator: Ms. Divya Mahadule
rights: Copyright (c) 2024 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2024-01-01
publication date: 2024-01-01
starting page: 71
ending page: 77

A STUDY OF INVESTOR ATTITUDE TOWARD INVESTMENT WITH REFERENCE TO MY SAMRUDDHI INVESTWISE PRIVATE LIMITED.
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description: This Study aims to explore and analyse investor attitudes toward investment opportunities with a specific focus on My Samruddhi Investwise Private Limited. The study investigates the factors that influence investor decisions, such as risk tolerance, financial literacy, and market conditions, and how these factors shape the perception of investment products offered by the company. Using a combination of qualitative and quantitative research methods, including surveys and interviews with existing investors, the study identifies key trend s, preferences, andchallenges faced by investors in their decision-making process. The findings are expected to provide valuable insights into the attitudes and behaviour’s of investors, helping My Samruddhi Investwise Private Limited refine its investment offerings and marketing strategies. Additionally, the research contributes to a deeper understanding of the broader investor psyche in the context of the Indian financial market, with implications for both financial institutions and policymakers.
subject: Articles
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subject: Array
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creator: Ms. Rajashree Chavan
creator: Ms. Chahat Hargunani
rights: Copyright (c) 2024 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2026-05-07
publication date: 2026-05-07
starting page: 64
ending page: 70

IMPACT ON UPI ON LOCAL VENDORS
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description: UPI and online payments have had a significant impact on local vendors: Increased Sales: UPI and online payments have expanded the customer base for local vendors by making it convenient for customers to make cashless transactions. This has led to an increase in sales. Improved Cash Flow: Local vendors no longer have to wait for customers to have enough cash on hand. With online payments, they receive payments directly, leading to better cash flow management. Reduced Cash Handling: UPI and online payments have reduced the need for handling physical cash, which can be costly and risky. This has enhanced security for local vendors. Access to a Wider Market: Online platforms and UPI enable local vendors to reach a broader audience, even beyond their immediate geographical location, helping them tap into new markets. Enhanced Record-Keeping: Online payments often come with digital receipts and transaction histories, making it easier for vendors to maintain records and track their financial transactions. Convenience for Customers: Local vendors offering UPI and online payment options are more attractive to tech-savvy customers who prefer the convenience of digital transactions. However, it's important to note that some local vendors, particularly those in remote areas or without access to necessary technology, may face challenges in adopting these payment methods. Overall, the impact of UPI and online payments on local vendors is largely positive, promoting financial inclusion and business growth.
subject: Articles
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subject: Array
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creator: Dr. Puja Kaushik
creator: Ms. Apeksha Panchal
creator: Ms. Shafiya Shaikh
rights: Copyright (c) 2024 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2024-01-01
publication date: 2024-01-01
starting page: 56
ending page: 63

A STUDY ON INVESTMENT AWARENESS AND KNOWLEDGE AMONG SALARIED EMPLOYEES IN NAVI MUMBAI
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description: Financial literacy and investment awareness are essential elements of economic wellbeing, especially for salaried workers who frequently rely on fixed revenue streams to ensure their financial security. Salaried workers make up a large percentage of the workforce in Navi Mumbai's constantly expanding urban landscape, and they have particular opportunities and challenges when it comes to handling their cash. In order to better understand the investing behaviors, preferences, and factors impacting financial decisions of salaried professionals in Navi Mumbai, this study aims to investigate the levels of investment awareness and knowledge among these workers.Navi Mumbai offers a distinctive background for analyzing these trends because of its diversified population and active economic climate. The Importance is highlighted by the changing economic environment and the growing complexity of financial products. Given the widespread
subject: Articles
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subject: Array
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creator: Mr. Eshwar Ege
creator: Dr. Puja Kaushik
rights: Copyright (c) 2024 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2024-01-01
publication date: 2024-01-01
starting page: 47
ending page: 55

A STUDY ON EXIM PROCEDURES AND DOCUMENTATION WITH REFERENCE TO GALAXY CARGO SERVICES LLP
type: item
description: The study focuses on Galaxy Cargo Services LLP, a key player in international logistics, and its EXIM policies and documentation procedures. With a focus on the importance of documentation, regulatory compliance, and adoption of technology, the study seeks to provide light on the effectiveness and efficiency of export and import procedures. Through a mix of primary and secondary data collection methods, such as surveys and questionnaires, the study sheds insight on the difficulties the business finds in handling documentation, including delays in customs clearance and regulatory changes. One major obstacle that affects both shipment delays and client happiness is regulatory concerns. According to the research, there is a high level of expectation for improved EXIM operations through greater digitization and tracking technological developments. All things considered, staying competitive and guaranteeing operational excellence in the changing global trade environment would require embracing a more sophisticated and integrated approach to EXIM paperwork and utilizing new technology.
subject: Articles
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subject: Array
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creator: Ms. Pranali Pawar
creator: Dr. Farheen Ahmad
rights: Copyright (c) 2024 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2024-01-01
publication date: 2024-01-01
starting page: 39
ending page: 46

A Study on Client Acquisition process at NetWeaver Technovations Pvt. Ltd.
type: item
description: This research investigates the client acquisition process at NetWeaver Technovations Pvt. Ltd., a prominent company in the technology solutions sector. The objective is to analyze the methods and strategies used by the firm to attract and retain new clients. Employing both qualitative and quantitative methods—such as interviews with key staff, review of internal documents, and client feedback analysis—this study uncovers the fundamental elements of Netweaver’s client acquisition approach. Key insights reveal the significance of a customized strategy, with a focus on personalized interactions and targeted marketing. Additionally, the study assesses the effectiveness of various acquisition channels and the role of technological tools in optimizing the process. The research offers recommendations for improving client acquisition strategies by emphasizing data-driven decision-making and efficient resource management. These findings provide valuable guidance on best practices for client acquisition within the technology industry and propose a framework for other organizations seeking to enhance their processes.
subject: Articles
  topic: section
subject: Array
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creator: Ms. Aditi Sunilkumar
creator: Dr. Farheen Ahmad
rights: Copyright (c) 2024 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2024-01-01
publication date: 2024-01-01
starting page: 28
ending page: 38

A STUDY OF RECRUITMENT PROCESS IN COSMOS INTEGRATED SOLUTION PVT. LTD.
type: item
description: The recruitment process at Cosmos Integrated Solution Ltd. Pvt. Is a structured approach to attract and hire qualified candidates. It starts with assessing hiring needs, creating job descriptions, and sourcing through various channels like job portals and referrals. After resume screenings and interviews (both technical and behavioral), shortlisted candidates undergo background checks before final offers are made. The process concludes with onboarding and training to ensure smooth integration into the company. Cosmos Ltd focuses on a fair, efficient recruitment process that aligns with its long-term goals.
subject: Articles
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subject: Array
  topic: keywords
creator: Ms. Ekata Pandey
rights: Copyright (c) 2024 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2024-01-01
publication date: 2024-01-01
starting page: 21
ending page: 27

A STUDY OF RECRUITMENT PROCESS AT SHUNYATATTVA MANAGEMENT CONSULTANT
type: item
description: This research project explores the recruitment process at Shunyatattva Management Consultant, assessing its effectiveness, efficiency, and alignment with the organization's goals. The study integrates quantitative analysis of recruitment data with the feedback from interviews and surveys with employees. It investigates various aspects, including candidate attraction and selection methods, the incorporation of diversity and inclusion practices, and the overall candidate experience. The goal is to pinpoint strengths and areas needing improvement in Shunyatattva’s recruitment strategy, offering actionable recommendations to enhance talent acquisition and streamline the hiring process. The results are intended to provide valuable insights for human resource management and practical solutions for optimizing recruitment practices in consulting firms.
subject: Articles
  topic: section
subject: Array
  topic: keywords
creator: Ms. Aakanksha Sunil Kumar
rights: Copyright (c) 2024 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2024-01-01
publication date: 2024-01-01
starting page: 8
ending page: 20

CONSUMER PREFERENCE TOWARDS VARIOUS INVESTMENT AVENUES : A STUDY CONDUCTED IN MY SAMRUDDHI INVESTWISE PVT. LTD
type: item
description: This study explores consumer preferences for various investment avenues in Navi Mumbai, examining how factors like risk tolerance, income, and demographics influence investment decisions. By analyzing data from 541 respondents, the research highlights that younger, well- educated individuals tend to favor higher-risk investments such as mutual funds and equities, while older investors prioritize safer options like fixed deposits. Key motivations include safety, return potential, and tax benefits, all of which shape individual investment behaviors.The findings reveal that tax-efficient instruments, financial literacy, and customized advice play critical roles in guiding investment choices. These insights underscore the need for financial institutions to tailor their offerings based on client demographics and preferences, enhancing client satisfaction and supporting more informed investment decisions in Navi Mumbai’s growing market.
subject: Articles
  topic: section
subject: Array
  topic: keywords
creator: Mr. Pavan Kori
rights: Copyright (c) 2024 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2024-01-01
publication date: 2024-01-01
starting page: 1
ending page: 7

Impact of Smart phones and its Impact
type: item
description: The rapid proliferation of smartphones has revolutionized communication, work, and entertainment, making these devices indispensable in modern life. However, the pervasive use of smartphones has also raised concerns about their potential negative impacts on physical and mental health. This abstract examines the multifaceted effects of smartphone usage on health, highlighting both the benefits and the risks. On the one hand, smartphones offer numerous advantages, such as improved access to health information, enhanced communication, and the convenience of health-related apps that promote fitness and well-being. On the other hand, excessive smartphone use has been linked to a range of health issues. Physically, prolonged smartphone use can lead to problems such as eye strain, poor posture, neck and back pain, and sleep disturbances due to blue light exposure. Mentally, smartphones can contribute to increased stress, anxiety, depression, and social isolation, particularly through the overuse of social media and the constant need for connectivity. Moreover, smartphone addiction, characterized by compulsive checking and usage, exacerbates these health concerns, leading to reduced productivity, impaired relationships, and decreased overall quality of life. The abstract concludes by emphasizing the importance of balanced smartphone use, promoting awareness of its health impacts, and adopting strategies to mitigate potential risks. By understanding and addressing the health implications of smartphones, individuals can enjoy the benefits of these devices while minimizing their negative effects on well-being. The mobile phone is stimulating one of the most important technological revolutions in human history. This article first presents impacts, challenges, and predictions of mobile phone use. It first indicates that the impact of the mobile phone on society has been predominantly positive while the mobile phone has certain negative attributes. It then discusses multiple ways…
subject: Articles
  topic: section
creator: Dr. Puja U.Kaushik
creator: Dhanashri Shejwal
rights: Copyright (c) 2023 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2023-01-01
publication date: 2023-01-01
starting page: 91
ending page: 98

Children exposure to media do parental control work
type: item
description: As in this paper few important points are to be calculated which are aroused in this paper are Children exposure to media do parental controls work In recent years, young children (aged 0-5) are increasingly engaged in screen-based activities on various devices such as television, smartphone or tablet, which are now part of their daily life. Despite lacking essential perceptual and symbolic understanding and fine motor skills, even infants already pay attention to media content that matches their social ideas, expectations and ability to interpret media few basic questions are asked.
subject: Articles
  topic: section
subject: Array
  topic: keywords
creator: Ms. Niyati Joshi
creator: Aakanksha Sunilkumar
creator: Aditi Sunilkumar
creator: Pranali Pawar
creator: Shraddha Tate
creator: Shaikh Nawaz Raza
rights: Copyright (c) 2023 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2023-01-01
publication date: 2023-01-01
starting page: 84
ending page: 90

Consumer Behavior in Online Purchasing
type: item
description: Consumer behavior in online purchasing has become a crucial area of study in the digital age. With the proliferation of e-commerce platforms and the increasing availability of products and services online, understanding how consumers make choices in the digital marketplace is essential for both businesses and researchers. This study explores the various factors that influence consumer behavior in online purchasing, including product information, website design, trust, security, and social influence. Consumers often engage in extensive information search before making an online purchase, and their decisions are influenced by factors such as product reviews, recommendations, and the credibility of the e- commerce platform. Moreover, the impact of psychological and emotional factors, such as trust in online retailers and the perception of security, plays a significant role in shaping consumer behavior. Understanding the role of these factors is critical for businesses aimingto establish and maintain a positive online shopping experience for their customers. Social influence through social media and online communities also plays a notable role in online purchasing decisions, as consumers are often influenced by the experiences and recommendations of their peers.. In conclusion, consumer behavior in online purchasing is a multifaceted area that requires a holistic understanding of various factors that drive decision- making. This research provides valuable insights for businesses looking to optimize their online strategies and improve customer experiences in the dynamic world of e- commerce.
subject: Articles
  topic: section
subject: Array
  topic: keywords
creator: Ms. Sameen Shaikh
creator: Nisha Yadav
creator: Ashwini Shinde
creator: Vishakha Patil
creator: Swati Kamble
creator: Anita Kumari
rights: Copyright (c) 2023 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2023-01-01
publication date: 2023-01-01
starting page: 73
ending page: 83

Artificial Intelligence in Business and Industry
type: item
description: In 21st Century Artificial intelligence (AI) has the potential to enhance every component of information system at the individual, organizational and societal level. However, AI technology is being developed and commercialized at an unprecedented speed because of that business and industries are trying to adopt this new technology. From the last few years, we can see around large number of AI products are services are becoming a very essential part of day-to-day activities. The paper investigates on what is Artificial intelligence, trying to get an understanding on both positive as well as negative impact of AI on business and industries. The paper addresses the innovation in the AI, it impacts on business and future scope for business. The inference obtained from the research will provide a better understanding of how AI can help to transform the business operation and what is future scope of Artificial intelligence in business.
subject: Articles
  topic: section
subject: Array
  topic: keywords
creator: Dr. Farheen Ahmad
creator: Sonali Yadav
creator: Ashwini Shinde
creator: Vishakha Patil
rights: Copyright (c) 2023 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2023-01-01
publication date: 2023-01-01
starting page: 56
ending page: 72

Social Media and its impact on teenagers
type: item
description: Considering the current trend of usage of social media the main objective is to check the cause andeffects of increase use of social media. To explore the impact of social media on peoples relationships, especially among teenagers. As its about social media it had to be researched frominternet suffering data placed in the below research report was undertaken by observing current scenario and collecting data from surveys and online platforms.
subject: Articles
  topic: section
subject: Array
  topic: keywords
creator: Dr. Radhika Wadhera
creator: Pooja Vijayshankar Maurya
creator: Pooja Mahesh Malik
creator: Nithya Rajendrakumar Nadar
creator: Nikita Rajaram Lokhande
rights: Copyright (c) 2023 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2023-01-01
publication date: 2023-01-01
starting page: 51
ending page: 55

Comprehensive Analysis: Impact of Attitude on Human Lifestyle
type: item
description: This research paper explores the profound influence of attitudes on human lifestyle choices and behaviors. Attitudes, as cognitive, emotional, and behavioral predispositions, play a pivotal role in shaping how individuals perceive, interact with, and adapt to theirsurroundings. This study employs a multidisciplinary approach to investigate the intricate connections between attitudes and lifestyle across various domains, including health, education, career, and social relationships. The social environment can include various factors such as friends, family, culture, education, religion, media, and community. Family is often considered the primary source of socialization and plays a crucial role in shaping people's behavior. The family is where people learn social norms and values, typically passed down from generation to generation. Family members serve as role models for each other, and they influence each other's behavior through direct and indirect means. The research draws from a diverse body of literature, encompassing psychology, sociology, economics, and health sciences, to analyze the intricate interplay between attitude formation, maintenance, and the resulting lifestyle outcomes. We investigate how individual attitudes, whether positive or negative, impact decision-making processes and the adoption of healthy or unhealthy behaviors. Additionally, this paper explores the role of social and cultural factors in shaping attitudes and, subsequently, lifestyle choices. The research findings highlight that attitudes significantly influence lifestyle choices, including diet and exercise, substance use, educational pursuits, career decisions, and interpersonal relationships. Attitude change interventions, such as cognitive-behavioral therapy and motivational interviewing, are examined for their effectiveness in promoting positive lifestyle changes. Furthermore, the study delves into the broader societal implications of attitudes, shedding light on the potential for …
subject: Articles
  topic: section
subject: Array
  topic: keywords
creator: Dr. Dinesh Gabhane
creator: Prathmesh Deshpande
rights: Copyright (c) 2025 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2023-01-01
publication date: 2023-01-01
starting page: 37
ending page: 50

Study of work culture and its impact on employees productivity working underDifferentOrganization
type: item
description: This study explores the relationship between work culture and employee productivity across different organizations. Work culture, defined by the shared values, beliefs, practices, and behaviors within an organization, significantly influences how employees perform and engage with their work. The research examines various types of work cultures such as clan, adhocracy, market, and hierarchy and analyzes their impact on key productivity indicators like motivation, job satisfaction, collaboration, innovation, and work-life balance. Using a mixed-method approach that includes surveys, case studies, and productivity metrics, the study investigates how work culture varies across industries, organizational sizes, and geographical regions. The findings suggest that a positive and supportive work culture can,enhance employee motivation, reduce stress, and foster a collaborative environment, ultimately leading to higher productivity levels. Conversely, cultures that prioritize rigid structures or high competition may lead to increased stress and burnout, negatively affecting productivity. This study provides valuable insights for organizational leaders and HR professionals seeking to cultivate a work culture that maximizes employee productivity while ensuring job satisfaction and well-being. The results highlight the importance of aligning organizational culture with employee needs and the strategic goals of the organization.
subject: Articles
  topic: section
subject: Array
  topic: keywords
creator: Atul Mumbarkar
creator: Vaishnavi Pawar
creator: Saima Magdoom
creator: Prince Yadav
creator: Mayuresh Jadhav
creator: Pratham Vishwakarma
rights: Copyright (c) 2025 RGCMS Journal of Business & Management Research (RJBMR) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2023-01-01
publication date: 2023-01-01
starting page: 27
ending page: 36