1. Neha Vij
Add- Garden View Sanjauli Shimla-6
(9872168932)
Email-nehavj28@gmail.com
Educational Qualifications
Course/Stream/Examination Institute/University Year Score
Master of Business
Administration (M.B.A.)
Finance
Chitkara Business
School
2012-2014 7.38
Bachelor of Commerce
(B.com)
Himachal Pradesh
University
2011 63%
C.B.S.E.XII (Commerce) St. Bede’s College 2008 76%
ICSE X (Convent Of Jesus
And Mary)
2006 79%
Banking And Economics(2014-2016)
Acquired Knowledge for Bank Exams And Covered the Following Areas
Banking
1) Banking Regulation Act 1949, R.B.I.Act 1934- legal acts framed with an objective to
help in development and governance of banks
2) Securitization And Reconstruction of Financial Assets and Enforcement of Security
interest- (S.A.R.F.ES.I.)Act- 2002 – used in recovery of secured loans and helps in
reducing N.P.A
3) Payment Banks And Small Banks – have restricted services as compared to other
banks but majorly helps in creating Financial Inclusion In the Economy
4) Major types of Loans In Banking
a) Term Loans- long and short which are available on the basis of business and
income
b) Development loans- Soft loans and Microfinace- helps in upliftment of those
sections which are denied to financial services
5) Basel Norms 3 regulation- of Capital To Risk Weighted Asset Ratio at 8%
2. 6) Determination Of Base Rate In Banks- By bucket system which categorizes
securitiesinto high and low risk andhelps earning best possible return which helps
todetermine base rate as prescribed by R.B.I.
7) Working Of Instruments covered under Negotiable Instruments Act 1881-
a) These instruments are Cheque, Bills Of Excahange, Promisory Note, Demand
Draft
Economics
1) Working of Money Market Instruments
a) Commercial Paper, Certificate Of Deposit- issued by Companies and Banks for
Short term liabilities
b) Treasuary Bills - issued by Central government and have high liquidity as
Maturity Period is less than one year
c) Bonds, Options (Call And Put), Forwards and Futures- Instruments and Contracts
which provide safety against fluctuations in money market and helps to raise
money
2) Impact of deflation and Inflation On Economy
Measures like Consumer Price Index And Index of Industrial Production helps in
calculating growth and right amount of inflation in Economy and also helps in
recognizing Demand Pull and Cost pull Inflation
Deflation is used in certain extreme conditions to revive economy
3) Depreciation and Devaluation Of Currency
Depreciation occurs by market forces of Demand And Supply which affects
country’s Current Account Deficit
Devaluation is done by the government as happened In India In 1961,1980- to
revive Indian Economy and In 1991 to revive and liberalize Economy and also
reduce to major deficits Fiscal And Current
4) Monetary policy –used by R.B.I. to maintain balance of liquidty in the Economy
Skills
1) MS Office – Word, Excel, Power Point
2) Handling Operations By Maintaing Management Information System
Work Experience
1. LAMBA VIJ &CO. CHARTERED ACCOUNTANTS(March 2012-June2012)
Relevant Course of Work- Assessment of Income Tax under Various heads Of Income
by Auditing Basic Financial Statements.and understanding deductions u/s 80c
3. 2. Industry Internship-During M.B.A. Course
Company- UCOBank (February2013- MAY 2013)
Assessing Services of Bank And Covered Following Banks. Axis Bank, HDFC ,UCO
Bank. Learnt the process of Credit Appraisal In UCO Bank
3. Internship At KPMG(Business Consultancy Firm) March 2016- May 2016
Worked in Department of Governance Risk And Compliance Services and covered
following areas
a) H.R. Audit- MSFL MAX(Punjab)-Review of Standard Operating Procedures and their
applicability in Hiring and Training Manpower And Maintenance Of Budget
b) Finance Audit-Trident Review of Standard Operating Procedures and their
applicability in Recording Financial Transactions, Also applicability Of Tax laws
c) Stock Audit-PVR BLUE MALL(Punjab) Review Of Standard Operating procedures and
their applicability in Maintaining G.R.N., M.R.N. ,LIFO AND FIFO and proper
maintenance of accounts
Accquired knowledge in following Areas
a) Sarbanes–Oxley Act 2002 and its implementation in India with respect to
Clause 49 of Listing Agreements
b) Double Taxation Avoidance Agreements(D.T.A.A.) – Basics, Need ,
Effects of Agreements On India (Singapore, Mauritius) with respect to Capital
Gains
c) Panama Papers Leak- Reason, Consequences, Effects On World
d) Income Computation And Disclosure Standards- Basics ,Advent In India
Aim- to Synchronize IAS and Income Tax Act 1961 and help in adoption Of
International Financial Reporting Standards (I.F.R.S.)
e) Companies Act 2013- Major Changes , Calculation Of Depreciation
f) Impact of GST on Indian Economy
4. Max Insurance –(July2016 to Present)
Relevant Course Of Work- Working in Operations and Maintaing MIS on Daily basis
and also working as a Teller
Projects Undertaken
Working Capital Management
Assessing Working Capital And Profitability Analysis Of Pharmaceutical Companies
By using ratios – Liquidity, Solvency, Stock Turnover
Business Plan- prepared a business plan on development of hotel in Shimla
keeping in Mind the tourist factor.
