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The Delhi University has decided to implement the National Education Policy from the next academic year, prompting the varsity teachers body to call a strike on Tuesday. The Standing Committee on Academic Matters, in its meeting on Monday, approved the implementation of the policy from 2022-23, the four-year undergraduate programme and the multiple entries and exit options for students. The committee, however, deferred discussion on the implementation of the Massive Open Online Courses (MOOC). The Standing Committees recommendations will come up for discussion in the Academic Council meeting on Tuesday. The university had formed a 42-member high powered committee to look into the NEPs implementation. The 42-member committee had also recommended continuing with the universitys three-year undergraduate programme but to assimilate in its structure a four-year degree programme as well and implement both one-year and two-year postgraduate programmes. This was approved in the meeting. The Standing Committee also accepted retaining the three-year honours degree courses by assimilating it in the four-year honours degree and four-year honours degree with research courses. The committee also said the quality of the degree conferred by the university should not be compromised, therefore the existing structure and workload should continue along with the addition of various courses.
Delhis Deputy Chief Minister Manish Sisodia on Wednesday said that Union Health Minister Mansukh Mandaviya has told them that there is no need to form a panel to probe oxygen shortage-related deaths in the national capital as the Supreme Court-appointed task force is there to look into the matter. Sisodia said he had written to the Union Health Minister regarding the formation of the panel. Delhi LG Anil Baijal has twice rejected the city governments demand to form the panel, he said. The Health Minister has written to us saying that there is a Supreme Court-appointed task force to probe the matter and has said there is no need for a probe panel. But the task force has the mandate to probe the demand and supply issues for the pandemic, he said in an online briefing. Mandaviya has said that out of the 12 points for reference for the SC panel, five are related to oxygen, the deputy chief minister noted and pointed out that none of these five points pertain to oxygen shortage-related deaths. Such a big fraud has never happened in the country. If the SC-appointed panel is probing the deaths, why did the Centre ask states to give data on oxygen-related fatalities, Sisodia said. Centre does not want a probe into the deaths due to oxygen shortage because truth of their negligence will come out, he alleged.
By Gokul Krishnamoorthy The magic of film has been deployed with telling effect to capture the beauty of Kerala, saluting the festive spirit of Onam. But Facebook delivers a standout film for yet another festival, after wowing us for Diwali and Ramzan. Going regional for Onam, the brand manages to stay as the driver of the plot. Using longer form video Tata Tea | Kannan Devan | The Unique Spirit Of Malayalees (Malayalam) The film takes the region-specific Tata Tea juggernaut to Kerala, again. But this time, it The festival in itself is unique to the people of Kerala. The brand has added the layer of the Covid cloud and chosen to celebrate the irrepressible spirit with which Malayalis are celebrating the festival. In the end, the brand joins the celebrations, without seeming imposing or intrusive. Axis Bank | #PauseTheBargain | Saudebaazi Ko Time Please You don Chronicling the changes that have happened since independence and zeroing in on the one habit that hasn The execution and soundtrack elevate the film. The brand uses the idea to further its consistent messaging urging support for small traders. CaratLane | Give The Best Gifts Ever A spread of designs to choose from; ones that will wow your loved one. That The other is that the brand offers a free home trial. These are conveyed interestingly through the lighthearted struggle of a man choosing gifts for his wife, before his friend recommends CaratLane. Tata Health | #SochMatPoochLe The series of four simple spots take the humour route to get the message across. The insight rings true because self-assessment and second guessing doesn Cloaked in the humour, by mentioning tumour and stroke and their ilk, the campaign also tells us that it could be something serious. So when in doubt, seek professional consultation. Enter Tata Health. Cars24 | Onam Bumper (Malayalam) A very simple hijack of the Onam festival using the sights and sounds associated with it, pitching Cars24 as the The approach allows the brand to stand out amongst predictable Onam campaigns. The ambassador with the megaphones should make people think about Cars24 in the festive season. Very smartly played by Ola Electric. The lyrics take a dig at those rushing on mean machines and pushes the Ola S1 The soundtrack syncs perfectly. Star Sports | Vivo IPL 2021 | #AsliPictureAbhiBaakiHai So the IPL is coming back for the remaining 31 matches of the 2021 edition. Announcing its return in a filmy avatar is MS Dhoni, a far cry from the monk who featured in the promos at the start of the season. Perhaps this had its roots in #AsliPictureAbhiBaakiHai. Both the line and the picturisation fit the bill. But is this a real issue addressed earnestly? Absolutely. The idea is solid, the execution decent. The film with Boman Irani makes up in part for the lack of people on screen in the lead film. The facts tell the story and message is clearly articulated in #ReplyDontReject. (Curated by ClutterCutters.in. Exclusive to FE BrandWagon Online. To feature campaigns or add credits, kindly email: [email protected]) Follow us onTwitter,Instagram,LinkedIn,Facebook
By Peeyush Dubey The global brand consulting and design firm, Landor Fitch, recently published an insightful research on importance of looking at brands as more than a just communications tool, but as a strategic asset to be nurtured, built, and protected. While the report primarily looked at brands in the Indian IT sector, the thought is relevant to all industries. The report compelled me to think about the significance of integrated brand strategy and key steps for any brand to build and sustain it. This becomes even more critical in the post-pandemic world. Be it B2B or B2C, marketers need to rethink how they position their brand and connect with their audience. In this article, I propose simple steps that can be applied in any sector or region. The primary objectives for all marketing teams should be: – Understanding the changing buyer – Navigating their journeys, and – Enriching their experience at every touchpoint With this simple charter, marketers can approach the new world easily. Let us look at each of them carefully: – Understanding the changing buyer Buying habits, consumption habits, viewing habits, social norms have all changed. Be it a paper napkin or an artificial intelligence solution, the buying process is not what it used to be. The first job of marketers, therefore, is to comprehend these changes and their impact on consumer behavior. How has their motivation changed, how are they shortlisting options now, how are they researching products, what factors are affecting their perceptions about your brand, who influences their decisions in the new social order, and is your customer service team prepared to answer their questions in a timely manner? These are some of the questions every brand must answer. – Navigating their journeys They knew their channels of communication and their audience followed a predictable pattern. Brands hopped on to all mediums of promotions across billboards, print, radio, and TV, reiterating the same scripts or similar concepts across these channels. The same is not true anymore. The channels are fragmented, new platforms are emerging regularly and the customer journey is unpredictable. The funnel does not work the same way either. Every journey could begin on a different platform and follow an irregular pattern. The pandemic has further added to this complexity. Brands need to be active on more channels and have a true omni-channel strategy, as opposed to just a multi-channel strategy where a brand may be present across platforms but not seamlessly connected. – Enriching their experience As customers access your brand on more platforms than ever According to the State of the Connected Customer research by Salesforce (Oct 2020) that surveyed more than 15,600 consumers and businesses globally, 66% of respondents expected companies to understand their needs and expectations. They also expected connected journeys, personalisation, innovation, and data protection. These are only possible when brands pivot their strategy around customer experience. To be successful in today Developing an integrated brand strategy: – Have an authentic purpose For an automotive company, it could be safety, for a tech company, it could be innovation. At LTI, we defined the central purpose of our brand to solve, and it is the same for all stakeholders It is the north star that guides all communications. – Augment each channel with other For B2B companies, conferences and webinars must be the initial stage for nurturing prospect through tele-marketing. Messages must be integrated across owned, earned, paid, and shared channels. – Importance of being data-driven While respecting the privacy and security of data, brand strategists must create a 360-degree view of customers to offer personalised experiences, predict their behavior, and leverage the power of 3As – Analytics, Automation, and AI. – Be real-time and proactive In the age of social commerce, the decisions are being made on impulse but brands must be ready with their groundwork to be on the right side of this trend. – Realise it Similarly, the role of a brand strategist is never accomplished. It is a journey that must continue. The author is chief marketing officer, LTI (LT Infotech) Read Also: Why it is important to protect consumer interest in a digital world Follow us on Twitter,Instagram,LinkedIn,Facebook
Fixed deposit (FD) is the most popular investment instrument in India. People usually invest in FDs to fulfil financial goals like house construction, motor vehicle purchase, wedding, higher education, etc. A FD can also help you plan your retirement efficiently. However, before opening a FD account, investors must evaluate a few factors to maximise the returns. FD duration The duration of an FD is directly linked to its interest rate. For example, 10-year fixed deposit returns are always higher than that of a one-year FD. You can choose FDs for all types of financial goals Rating Credit rating agencies like CRISIL and CARE evaluate multiple parameters to assign ratings to financial institutions. Any financial institution with CRISIL FAA+ or CARE AA rating is treated as the best. Hence, check the financial institution Interest rate Currently, the best FD interest rates are hovering around 6.70%, and senior citizens can expect a 0.25% higher interest rate. Interest rates are of two types In the cumulative mode, the invested amount remains locked until maturity, and the accumulated interest and the principal gets credited at the term-end. But, in the non-cumulative mode, you can earn a fixed interest amount every month, quarter, half-yearly, or annually. Hence, when opening a FD, choose the right type to get the best returns. Loan facility Generally, people apply for loans when they need money urgently. But, when you open a FD, you automatically become eligible to avail a loan against it. These loans allow you to withdraw up to 75% of your invested amount at a 2% higher interest rate than the prevailing best (highest) FD interest rates. In this case, the loan term equals the FD term. Hence, if you have invested in a 10-years FD and apply for a loan in the second year, you can get eight years for loan repayment. Financial institution While all FDs are good, all financial institutions are not. Analyse the financial institution If you want to get the best returns from your investment, evaluate these parameters. In the world of investment, time is money. And, by investing in an FD instrument that delivers less than 6.7% today, you risk losing the opportunity to grow your capital wisely. Source: Tax Guru
By Sumanta Kar Philanthropy goes by many names. Call it charity or corporate social responsibility, but the underlying idea is about making a financial or in-kind contribution to a humanitarian cause without self-interest. This concept is not new to Indian society. In fact, there is no culture or religion that has failed to emphasize people However, it is never about simply setting aside a portion of one Philanthropy becomes effective only when the benefactor channels the resources to the right cause, and effective means. More so, in times of crisis, when everything about philanthropy – priorities, pace, and quantum of contributions – can change. For, a crisis situation adds a sense of urgency – as it involves immediate relief and long-term rehabilitation. Philanthropists and charitable organizations therefore must align the flow of their resources with the pressing needs of ground realities. Creating an equitable society is a collective responsibility of each one of us – business organizations, NGOs, educational institutions, households, and individuals, all must chip in. India and crisis Today the entire world is reeling from the devastating effects of the COVID-19 pandemic. Regions of the world may get temporary respites every now and then in the gap between two successive waves of the infection. But the pandemic is far from over. Still, when the United Nations chose the theme for the Humanitarian Day 2021 with a foresight, it chose climate change, a comprehensive and multifactorial crisis facing humanity. The UN estimates that in 2021 alone, about 235 million people will need humanitarian assistance and protection, especially from natural disasters triggered by climate change. It aims to reach out to 160 million people across 56 countries and for which it will require about $35 billion. It urges people around the world to organize activities such as running, swimming, walking or any other activity to press the developed countries to deliver on their decade-old pledge of $100 billion every year for climate mitigation and adaptation in developing countries. Thus, the UN has set the direction for global philanthropic efforts in favor of The need for Indian philanthropists to respond is profound, as we are one of the countries that are more prone to natural disasters, owing to our unique socio-economic, and geo-climatic conditions. According to the Climate Risk Index 2021, India is the seventh most vulnerable country in the world to the climate change-induced extreme weather events such as storms, floods, heat waves and cyclones. In over a century, we had our first pre-monsoon cyclone with the Amphan cyclone in 2020, the year that witnessed about 5 cyclonic storms. Amid the second wave of the COVID-19 pandemic, during 2021, India has already witnessed two cyclones: Tauktae and Yaas. India has taken a giant leap forward in the last few decades and has witnessed widespread economic growth. Its trillion-dollar economy the sixth largest in the world by nominal GDP. However, on a per capita income basis, India ranks 145th (source: IMF). Millions of its citizens are below poverty line. It has the world The disparity is stark. For equitable, just and sustainable growth, this disparity must be reduced. Philanthropy is one of the direct and participatory measures to achieve this. It must a civic responsibility. The funds and resources generated through philanthropy must be invested for breaking the vicious cycle of poverty, not only for improving living conditions, but for investing in children and youth, their education and skilling, and making them employable for bringing a sustainable and lasting change. Children are vulnerable It is vital to understand that in any crisis, especially the natural disasters, it is children and women of vulnerable families who bear the maximum brunt. Globally at least 175 million children are affected by natural disasters every year. With over 40% of its population below 18 years of age, India ends up becoming one among the countries with the highest number of affected children. Rebuilding families In this context, philanthropic initiatives at the times of crisis should focus on rescuing children. Distributing food and hygiene kits for vulnerable families and their children must be given priority during the relief phase. But it should be quickly followed by rehabilitation efforts to take care of the emotional well-being of the children. This could be done by setting up necessary physical infrastructure and securing the services of professional caregivers. The next important area is rebuilding the livelihoods of parents and caregivers, and capacity building of vulnerable families so that they continue to have the means to take care of their children. When vulnerable families, especially those of daily wagers and immigrant laborers who form the lower most strata of the society, lose their lives and livelihoods, their children lose quality care, and are often abandoned. Love, care and a sense of belongingness, besides development essentials In any society, families are the ones that provide children with a loving home. A caring family results in children being more likely to enjoy all cherishable facets of life: health, education, relations, identity, initiative and self-actualization. Families are key to the holistic development of children. Hence ensuring that no child loses his or her family, and no family loses its ability to take care of its children assumes significance. A collective and concerted response is the need of the hour to avert large scale humanitarian disasters in India. If philanthropists commit to fund initiatives towards the protection and rehabilitation of children in vulnerable circumstances, it will go a long way in ensuring that the children stand a better chance of building a better future for the country and the world. Philanthropy should be the way of life of everyone. An equitable society is everyone (The author is Secretary General, SOS Children Views expressed are personal.)
Prosus, a global consumer internet group and one of the largest technology investors in the world, is acquiring local digital payments provider BillDesk in a $4.7-billion deal, one of the largest in the digital payments space. Through this acquisition, Prosus plans to scale up it payments and fintech business PayU, which operates in more than 20 markets globally, as one of the leading online payment providers globally by total payment volume (TPV), aggregating $147 billion. The deal, subject to the approval of the Competition Commission of India (CCI), will bring Prosus The development comes amid rapid adoption of fintech services by Indian consumers. The Reserve Bank of India (RBI) expects more than 200 million new users to adopt digital payments over the next three years with the average annual transactions per capita rising tenfold from 22 to 220. In fact, India and China accounted for the highest fintech adoption rate in the worlds emerging markets, according to a joint report published by EY and IVCA earlier this year. India stood at an 87% adoption rate compared with the 64% global average as of March 2020. Founded in 2000, BillDesk PayU India and BillDesk that run complementary businesses within India The combination will allow us to gain scale, build market leadership across all payment verticals and establish a strong presence in the payment value chain serving merchants across all segments, The deal marks PayU Bob van Dijk, group CEO at Prosus, said the regulatory clearances for the deal should be in place by February 2022. The Indian fintech market is expected to grow at a CAGR of 22.7% during 2020-25, analysts said. Local fintech firms attracted some $2 billion in funding in the first half of the calendar year alone, almost nearing the total investments the space garnered in the whole of 2020, analysts at KPMG said in a recent study. One of the largest technology investors in the world, Prosus has backed a slew of Indian internet firms, including Swiggy, Byju
The cumulative number of COVID-19 vaccine doses administered in the country surpassed the 60-crore mark on Wednesday, Union Health Minister Mansukh Mandaviya said. Under PM @NarendraModi jis #SabkoVaccineMuftVaccine initiative, India crossed the 60 crore vaccination mark. Congratulations everyone! he said in a tweet. India took 85 days to touch the figure of 10 crore. It then took 45 days to cross the 20-crore mark and 29 more days to reach 30 crore, the minister informed. The country took 24 days to reach 40 crore from 30 crore and then 20 more days to cross 50 crore vaccinations on August 6. It took 19 more days to go past the 60-crore mark, Mandaviya said. The countrywide vaccination drive was rolled out on January 16 with healthcare workers (HCWs) getting inoculated in the first phase. The vaccination of frontline workers (FLWs) started from February 2. The next phase of COVID-19 vaccination commenced from March 1 for people over 60 years of age and those aged 45 and above with specified co-morbid conditions. The country launched vaccination for all people aged more than 45 years from April 1. The government then decided to expand its vaccination drive by allowing everyone above 18 to be vaccinated from May 1.
What are NCDs: Non Convertible Debenture NCDs have a fixed maturity date and investors receive a fixed interest rate. Some debentures can be converted into However, this is not possible in the case of NCDs. That There are two types of NCDs: Secured NCDs that are backed by the company On the other hand, Unsecured NCDs are not backed by the company Investment in a debt instrument like an NCD offers high inflation adjusted returns compared to traditional debt investments and hence are a good addition to an investors portfolio based on their risk appetite. Are NCDs a good bet? With a coupon rate of close to 10% per annum, an NCD issue stacks up higher in comparison to other debt products. In the present landscape, the interest rate on a term deposit with a nationalized bank like SBI fetches around 5.4% while liquid funds offer anywhere between 2.8% and 3%. Also, the NCD coupon rate is much higher than 10-year government securities which currently offer 6%. With interest rates trending low in a post-Covid scenario with abundant liquidity, it may be worthwhile to lock in the high yield of nearly 10%, available with NCDs. What are the NCDs on offer currently? There are two NCD issues open currently – one by Muthoottu Mini and another by Edelweiss Financial Services. Heree. Interest rate offered by the issuer.22% per annum on redemption for Secured NCDs and 10.41% pa for Unsecured NCDs. It has a Base Issue Size of Rs 125 crore, with an option to retain over-subscription up to Rs 125 crore, aggregating up to a total of Rs 250 crore. The Edelweiss Financial Services (EFSL) NCD is also offering an effective yield of up to 9.7% which is highly lucrative given the low interest rate structure of the economy currently. The NCD issue is secured in nature, meaning if the company faces any financial crisis, then investors interest will be put on priority and they will be paid back their principal amount together with the applicable interest rate, if any. This de-risks the investment compared to unsecured NCDs. While the coupon rate is attractive, an existing investor of EFSL or group company NCD will be entitled to an additional pay out of 0.2 per cent per annum. Tenure: NCDs usually have a maturity period of 30, 60 or 120 months. In an uncertain environment, investors can benefit from the monthly cashflow by opting for the monthly interest option. Edelweiss offers a monthly interest option that helps you get monthly cashflows. Credit Risk (Security, nature of business): It is the company Invest in an NCD which is secure, having a higher credit rating. Muthoottu Minis 15th NCD issue is rated as CRISIL has reaffirmed the EFSL rating of AA- Also, the NCDs have been rated While the ratings by the rating agencies signify the associated risks, it can largely be attributed to the weak external credit environment, on account of which agencies have remained conservative. Repayment track record: One should check the repayment track record of the issuer on both the interest and principal. With the Covid-19 second wave nearing the end, we are beginning to see a swift economic recovery. This may work for a few well-managed NBFCs. Investors looking for regular income and high interest rates may find these offers an attractive bet. However, you should invest only after completing your research work or after talking to your financial advisor because NCDs are riskier than bank fixed deposits and many other safe investment options.
The Indian bureaucracy is unperturbed by the recent selection of nine private sector professionals as joint secretaries as they feel outsiders with no exposure to Indian reality cannot succeed in policy making at the highest level of government. When an officer joins the Indian Administrative Services (IAS), he gets wide exposure and remains rooted to the ground reality unlike private sector professionals who are not familiar with the problems of the common people, a senior IAS officer told Financial Express Online on condition of anonymity. The government set up is completely different from the private sector, said another IAS officer. The UPSC has cleared the names of these nine professionals as joint secretaries in the department of revenue, financial services, economic affairs, agriculture and farmers welfare, road transport and highways, shipping, environment, forest and climate change, new and renewable energy, civil aviation and commerce. He added that while a civil servant gets exposure in various departments, the private sector professional has a domain expertise and is more well-versed with a particular subject. When asked whether they feel any threat to their positions because of the lateral entry, most of the officials said there is no threat because of the diverse experience in the administrative services and the stringent training one goes through initially. We were the chosen ones. It Why should we feel threatened when we have a solid exposure and relevant experience. The private sector professional Many bureaucrats even suggested that the movement of top officials should be vice-versa and the IAS officers should be deputed in some top private institutions to prove their competence. All top positions in the government as well as private sector should be advertised in the newspapers and job portals and IAS officers should also be given an equal chance to compete for that position so that they can prove their mettle. We should have been given the opportunity to take the reins of those companies. It should be open for everybody and the process of hiring then become more competitive and transparent, Meanwhile, in a separate interview with the Financial Express Online, the Economist Santosh Mehrotra, who also worked with the Planning Commission at secretary level during the UPA regime, said the IAS officers will not allow the professionals coming through lateral entry to work efficiently within the system.