The 10 Best Institutes for Economics Studies in India, 2018

Education. Innovation. Success
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2018
INSTITUTESFOR
ECONOMICS STUDIES
IN INDIA
10BestTHE
EDUCATION THAT MATCHES LIFE AND EXPEDITES VOCATION
GOKHALE INSTITUTE OF
POLITICS & ECONOMICS
www.theknowledgereview.com
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NOVEMBER 2018 - INDIA

VISVESVARAYA NATIONAL
INSTITUTE OF TECHNOLOGY
The Centre of Technical Excellence
vnit.ac.in
South Ambazari Road, Nagpur, Maharashtra.

Editorial
esign in India is as important as Make in India- Narendra
DModi
It has been four years since our Prime Minister commenced a
crucial initiative called “Make in India”. Comprising the symbol of
a foot-front Lion, the campaign aimed to make India a global
manufacturing hub. After its successful four-year run, it has
brought together numerous stakeholders and partners.
The initiative represented the advancement of the Government’s
mindset i.e. transferences from issuing authority to a business
partner, in keeping the Government’s slogan of “Minimum
Government, Maximum Governance”. With the efforts to establish
India on the global map, the obsolete systems were revamped with
the user-friendly transparent systems, leading to the investment of
stimulated innovation, secured intellectual property, enhanced skill
development, and best-in-class manufacturing infrastructure.
Numerous overseas corporations are now forming their facilities in
India on the account of Make in India and Digital India initiatives.
These initiatives have further boosted demand, spur development,
and not to mention, the investor’s beneﬁts. These strategies are
going swiftly and aim to capture up to the twenty-ﬁve percent of
the GDP from the present seventeen percent. In addition, the
Government’s Digital India initiative is also boosting the economy
by concentrating on the three core components; digital
infrastructure; digital service delivery; increasing digital literacy.
According to a prominent group’s report, India is predicted to be
the third largest consumer economy as its consumption may triple
to around US$ 4 trillion by the year 2025, owing to the shift in the
expenditure pattern and consumer behavior. It is also estimated, in
terms of purchasing power party, the Indian economy will surpass
the USA to become the second largest economy by the year 2040.T R
Boosting the
Economy with
“Make in India”
Anmol Preet Singh

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November, 2018
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EDITOR-IN-CHIEF Pooja M. Bansal
CO-DESIGNER
VISUALISER David King
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C O N T
Gokhale Institute of Politics & Economics:
Education that Matches Life and Expedites Vocation
CoverStory
Articles
22 32
Economic Hourglass
Taking Account of Inﬂation in
Your Retirement Plan
Subconscious Call
Understanding the Nuances of
Economic Behavioral Biases
Tour with Symbiosis School of Economics
Symbiosis School of Economics Creating Equilibrium16
08

E N T S
DAV College
Jalandhar PUNJAB:
Empowering Students
with Exceptional Education
Besant Women’s College:
Formulating Better
Educated Generation
for a Superior Future
C. U. Shah University:
Enriching Life and
Fabricating the
Path of Success
Dnyanprassarak
Mandal’s College
and Research Centre:
Inspiring, Igniting and
Transforming to Excel
20 CXO
The Inﬂuence of Technology in the
Education Industry {Teaching Methods}
Astute Thoughts
The role and importance of
studying economics
Leader's Thoughts
Opportune Time to Act Swiftly
for the Persons with Disabilities
Expert’s Insights
40
34
26
30
38
42

Economics Institutes - Creating
Leaders of Tomorrow
conomics is a tricky subject to deal with considering the on-going momentum of transformations that
Ethe world has experienced. There are a number of key factors like growing awareness, easier access,
and changing scenarios which assists in boosting the acceleration of the economy. The Indian
Government has meticulously worked by bringing excellent initiatives to boost the urban and rural sector of
the country. The upliftment of the economy has taken place due to the equal contribution of the urban and
rural regions.
To spread the word-Economic Leaders- loud and clear, the various mediums of schools, colleges and
institutes play a vital role in building the upcoming leaders. There are different aspects when dealing with
economy. Education of economics is one of them. By educating the students to develop and empower an
economy, which is liberal and reliable will create a better and advanced tomorrow. Nurturing the
communities by providing a well-deﬁned future and juggling between the conventional and new-age
economic norms is the need of the hour.
The economic institutes are coming forward with distinctive approach and instilling enhanced moralities to
the education world. These economic institutes are leveraging knowledge with an aim to create leaders of
tomorrow.
To highlight such institutes which have come up with the innovative educative methods and solutions to
build extraordinary careers, we are introducing our special edition on “The 10 Best Institutes for
Economics Studies in India, 2018”.
On the cover, we have highlighted the Gokhale Institute of Politics and Economics; contributing its mite to
enhance economic betterment and social welfare in the country; carrying forward the legacy of Gopal
Krishna Gokhale, who founded the Servants of India Society in 1905.
Swooshing in as The Institute of the Month; we have highlighted, A Tour with Symbiosis School of
Economics; providing an excellent foundation for the future of the students.
Other than that, we have included Besant Women’s College; C. U. Shah University; DAV, Jalandhar; and
lastly we have Dnyanprassarak Mandal’s College and Research Centre.
While gaining the knowledge about these renowned institutes, grab your attention at the industry expert’s
articles in the issue; Inﬂuence of Technology on Education; Opportune Time to Act Swiftly for the Persons
with Disabilities; The Role and Importance of Studying Economics. Also, do checkout the articles, masterly
crafted by our in-house editors based on the today’s economy.
So, without taking any more time, turn the pages and embark on the educational journey of Economics! T R
BEST
INSTITUTES FOR
EconomicsStudies
IN INDIA, 2018
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• Fully Residential
• Life Skill Training
• Flexible Timing
• Mentoring of Students by Specialists
• Industry Interaction
• Special Focus on Entrepreneurship
• Coaching For Foreign Languages
• Institutional Social Responsibility Project
• Faculty Development Programme
• Management Development Programme
Extracurricular Activities
• Jumaring
• Rappelling
• Valley crossing
• Bridges and rope based activities
• Management games
LEAD COLLEGE OF MANAGEMENT
CREATE YOUR OWN SUCCESS STORY AT LEAD

Gokhale Institute of
POLITICS
&ECONOMICS
Education that Matches Life and
Expedites Vocation
Cover Story
BEST
INSTITUTES FOR
EconomicsStudies
IN INDIA, 2018
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‘‘We strive to
undertake
research and
provide
education
in all ﬁelds
of economics
‘‘

ith a vision to conduct research, education, and
Wextension on the foremost social and economic
problems at national and international levels,
Gokhale Institute of Politics & Economics (GIPE) is a
pioneering research and training institute in all the branches
of the Economics. The university is located in Pune and was
established in the year 1930 by the Servants of India
Society.
The primary objective of the institute is to conduct research
in the socio-economic dimensions of Indian society, and
impart training to researchers in this domain. The thrust
areas of research at the institute are Agricultural
Economics, Rural Development & Cooperation, Population
Studies, Input-Output Studies for Planning & Development,
Monetary Economics & Finance, Public Economics,
International Economics, among others. The Ph. D.
programme of the institute is highly coveted and alumni of
the institute are leading academicians and experts with the
government/corporate sector and international
organizations.
Practical Courses
GIPE offers a research programme leading to the Ph. D
degree in Economics, Population Studies, Agricultural
Economics, and Law & Economics. The institute has a
well-maintained academic campus, Staff Quarters, girls’
and boys’ hostel. It also has a library as well as computer
labs for students.
The institute has successfully applied information
technology in its teaching-learning process. All the
classrooms of the institute are renovated and ﬁtted with
upgraded software which ensures smooth interaction of the
teacher with the students and vice versa. The teachers in the
institute also encourage active participation in the learning
process instead of having only one-way communication
from the teacher to the students. The teachers are evaluated
by the students and their feedback is recorded by the
institute.
The institute emphasizes qualitative collection for selecting
books and journals in the library. The library is also known
among the researchers in Economics and allied subjects for
its quality reference and documentation/bibliographic
The institute strives to undertake research and provides education in all the ﬁelds of economics with the
singular purpose of contributing its mite to enhance economic betterment and social welfare in the country
We carry forward
the legacy of Gopal
Krishna Gokhale
who founded the
Servants of India
Society in 1905
‘‘
‘‘

Dr. Rajiv Kumar serves as the
Chancellor of the institute. He holds a
D.Phil. in Economics from Oxford
University and Ph. D from Lucknow
University. He is a leading Indian
economist and Vice Chairperson of NITI
Aayog. He is the author of several books
on India’s economy and national security.
He is a widely recognized economic
columnist and a leading speaker on
issues in Indian political economy.
He concurrently serves as (i) Government
of India nominated Independent Director
on Central Board of the Reserve Bank of
India; (ii) Member of the International
Board of Management of King Abdullah
Petroleum Studies and Research Center,
Riyadh, chaired by the Saudi Arabia’s
Minister of Petroleum and Energy; (iii)
Director, Institute of Human
Development, Delhi; (iv) Director, Giri
Institute of Development Studies,
Lucknow; (v) Independent Director on
the Board of DHFL; and (vi) Member,
Advisory Board of CISCO, India.
Professor Rajas Parchure helms the chair of
Ofﬁciating Director of the institute. He is
also Reserve Bank of India Professor of
Finance. He has thirty years of experience in
research and teaching at the postgraduate
level. Prior to joining GIPE, Pune, as RBI
Chair Professor in 2007, he served as
Professor at National Insurance Academy,
Pune, where he was instrumental in the
formulation of weather insurance
programme in India.
Professor Parchure has successfully upheld
the legacy of GIPE, Pune by strengthening
research activities and by introducing new
academic programmes in specialized and
emerging areas –M. Sc. (Financial
Economics), M. Sc. (Agribusiness
Economics)and M. Sc. (International Business
Economics and Finance). He successfully
leads a team of dynamic faculty at the
institute in promoting teaching-learning
processes, which are at par with renowned
global universities. He is also credited with
initiating Academic Exchange Programmes
with Gottingen University, Germany and
Meiji University, Japan.
About the Management

services. The major decisions pertaining to library are taken
by the library committee of the institute. Library
management operations are automated and digitization of
books has made huge progress.
The institute offers four post-graduate programmes, viz.,
M.Sc. (Economics), M.Sc. (Financial Economics), M.Sc.
(Agribusiness Economics) and M.Sc. (International
Business Economics & Finance).
Ph.D. Programs
The institute offers a research programme leading to the
Ph.D. degree in Economics, Population Studies,
Agricultural Economics, and Law & Economics.
M.Sc. Programs
• M.Sc. Economics
• M.Sc. (Financial Economics)
• M.Sc. (Agribusiness Economics)
• M.Sc. (International Business &
Finance)
The two year Master’s degree in Economics is a
postgraduate academic program, offering training in
economic and development theory, econometrics, applied
finance, policy-making and quantitative techniques, which
together help to study the various critical segments of the
economy, thereby making a special value addition to the
students. The program stretches over four semesters.
Typically, the curriculum is structured around core topics,
with much optional coursework complementary to the
program focus. The core modules are usually in
Microeconomic Theory, Macroeconomic Theory, and
Econometrics.
The two years Master’s Degree in Financial Economics
course is designed to meet the increasing demand by
combining solid training in economic theory with practical
exposure to the field of finance through a variety of
specialized options. The course is especially distinctive in
the three-way link it establishes between economic theory,
quantitative finance, and financial regulation. This course
has been designed following extensive consultation with
alumni currently employed in a variety of finance sector
occupations.
Exciting Career Opportunities and Exposures
The philosophy of institute’s curriculum design and
development of the teaching programmes is based on the
primary tenet that the curriculum should provide a balance
between the study of economic theory, tools, and techniques
of data analysis, economic institutions, economic policies,
and regulatory framework. Consequently, the curriculum is
designed to develop among the students a strong,
broad-based academic foundation in economic theory and
its application. It also accounts excellent transferable skills
that enhance their professional prospects for further
research in economics and placements in sectors. For
example, banking, finance and business analytics sectors,
corporate organizations, government and non-government
establishments and regulatory agencies, national and
international development agencies.
Major Achievements
Over the years, the institute has earned distinction as one of
the foremost research institutions in the country and has
been credited with pioneering contributions by way of
surveys, research, and analysis which has shaped public
discourse on major socio-economic initiatives in the State
of Maharashtra, as well at the national level. Some of the
major research contributions of the institute are:

“The best thing about GIPE,
apart from the serene and
green campus, is the amount of
exibility student receives in
their curriculum. This adds to an
overall welcoming experience
very conducive to studying”
-1st year Student M.Sc.
(Economics)
“GIPE is an established and
well-known institute. It gives us
an amazing atmosphere best of
harnessing and growing
intellectually. A wide range of
subjects gives us a lot of
exibility and choice”
-2nd year Student M.Sc.
(Economics)
Over the decades,
we have
established strong
credentials in
empirical and
analytical research
Word Of Trust• A study of the contributory factors to the reversing son
preference in India (UNFPA)
• Strengthening growth monitoring and promotion through
the integrated child development services in Maharashtra
(UNICEF)
• The revival of unfinished irrigation projects in
Maharashtra, PPCP model for pilot Nira-Devghar project (Maharashtra,
Krishna Valley Development Corporation, Govt. of Maharashtra)
• Inspection and evaluation of beneficiaries financed/trained under
schemes of national backward classes finance & development (Nationa
Backward Classes Finance & Development Corp (NBCFDC) Delhi)
A Few Major Conferences
Following are the Events organized during the institute’s four years’
period:
• Faculty development programme in Econometrics and ‘Game Theory’
from May 23, to June 8, 2017, by the Internal Quality Assurance Cell
(IQAC) of GIPE, Pune
• Seven days’ workshop on ‘Financial Econometrics and its
Applications’ from 29th August to 4th September 2016 by GIPE, Pune
in collaboration with The Indian Econometric Society, New Delhi.
• National Conference - 14th Annual Conference of Indian Association
for Social Sciences and Health (IASSH) Theme: health, gender, and
development: Emerging issues and challenges jointly organized by
Indian association for social sciences and health and GIPE, Pune
during 23-25 September 2016. T R
‘‘
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URLName of the Institution Location of the Institution
Besant Women’s College bwc.besant.edu.in
C. U. Shah University cushahuniversity.ac.in
DAV College, Jalandhar davjalandhar.com
Dnyanprassarak Mandal’s
College of Arts
dmscollege.ac.in
Symbiosis School
of Economics
sse.ac.in
V. G. Vaze College
of Arts, Science
and Commerce
vazecollege.net
Valia College of Arts,
Commerce And Science
valiacollege.co.in
Tata Institute
of Social Sciences
tiss.edu
Mahatma Gandhi Road Kodialbail,
Mangalore-575003
DAV College Jalandhar, Punjab
Assagao , Bardez- Goa - 403507
3rd Floor Schc Building Senapati Bapat Marg
Pune 411004
Maharashtra
TSIPARD Campus, Rajendranagar,
Hyderabad, Telangana
500 030
Mithagar Road, Mulund(East),Mumbai
D. N. Nagar, Cosmopolitian Education
Society Road,
Andheri(W), Mumbai 400053.
Zamorin’s
Guruvayurappan College
zgcollege.org
Guruvayurappan College.(P.O)
Kozhikode - 673014, Kerala
Surendranagar-Ahmedabad Highway,
Nr. Kothariya Village, University Road,
Wadhwan City-363030
Gokhale Institute of
Politics and Economics
gipe.ac.in BMCC Road, Shivaji Nagar, Pune 411004
BEST
INSTITUTES FOR
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IN INDIA, 2018
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Incepted in 2008, Symbiosis
School of Economics (SSE) is a
young and dynamic institution
which is contributing to the economy
and society, to reach new heights by
creating future leaders. At SSE,
students accomplish these goals in an
educational environment committed to
excellence and academic freedom.
With 2.5 trillion-dollar, the Indian
economy is poised to be the third
largest in the coming decade. To
achieve this milestone, India needs to
enhance its labour productivity, bring
about breakthrough innovations with
enhanced expenditure in research and
development, and create an eco-system
which will absorb the most significant
global labour force in the world. In this
environment, SSE aspires to be known
as one of the institutes of highest
repute that provides academic rigor
and offers excellence in research such
that, active learning, purposeful
employment, and meaningful local and
global collaborations falls in line with
the society.
Located in the heart of Pune city, SSE
provides students an opportunity to
experience the city life and explore
education beyond boundaries. Its
infrastructure includes air-conditioned
classrooms furnished with projectors
and Wi-Fi facility, an ever-expanding
library, computer lab, intelligent
Smart-Boards, faculty rooms, admin
blocks, canteen, gym, reprographic
centre, conference rooms, and an
auditorium with a seating capacity of
five hundred people.
The academics and environment at
SSE have been meticulously
crafted – the sound curriculum, the
value framework, and the overall
climate prepare the students for a
future in academics, corporate,
government, and civil society. It
enhances an overall development
among students and prepares them to
fight challenges of life with ease.
About the Academic Program
The academic program of SSE is
interdisciplinary in nature, covering a
range of courses that introduce
students to different career
opportunities. The courses include
Business Accounting, Public
Administration, Law and Economics,
Financial Management, Portfolio
Management, International Financial
Management, International Relations,
Operations Research, Research
Methodology, Behavioral Economics,
Environmental Economics, Urban
Development, International Trade, and
Development Economics. The
engaging pedagogy, along with a focus
on experiential learning and evaluation
system, provides and prepares the
students with a platform to understand
the practical aspects of the subjects
taught.
SSE offers world-class academics
through its various programs:
• B.Sc. (Economics) since 2008; the
nomenclature of the programme
changed to B.Sc. (Economic) Honors
from 2014
• M.Sc. (Economics) since 2011,
(offered two specializations initially;
a third and fourth one were
introduced later)
• International Trade (since 2011)
• Development Studies (since 2011)
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• Urban Development (since 2016)
• Finance (will be offered from the
academic year 2019-20)
Differentiating Factors
SSE offers a unique academic structure
which is ever evolving. The faculty
members are known for their effective
use of innovative and engaging
pedagogy. The scholarly output is
supported by two leading centers – the
Centre for Academic Writing (CAW)
and Centre for Quantitative Learning
and Applications (CQLA). An
advanced Information, Communication
and Technology (ICT) platform
supports the academic and
administrative processes. The
curriculum is designed and taught in a
manner to nurture socially sensitive
graduates. Additionally, the educational
activities are supported by the
co-curricular and extra-curricular
activities, which help the students to
gain perspectives beyond academics.
Unlocking the Door of Opportunities
The students at SSE intern in diverse
organizations including corporates,
NGOs, national level research
institutions, government ministries,
and academic institutions. This
exposure, along with regular guest
lectures and workshops by eminent
economists and business leaders, train
them for real world challenges faced
by practicing economists in the private
and public sectors. The experiences
help the students develop insights into
linkages between policy and practice.
The software training for simulation,
and predictive modelling, qualify them
further for a sound career and
enhanced employability.
Students from SSE have made
significant progress in different walks
of life. They have secured admissions
in leading universities, and are working
for institutions, organizations and
prominent think tanks. Some have even
become business or social
entrepreneurs. Some of our alumni
have pursued higher degrees at the
Delhi School of Economics, Jawaharlal
Nehru University, Indira Gandhi
Institute of Development and
Research, Gokhale Institute of
Economics and Politics, London
School of Economics, St Andrews’,
Vrije University – Amsterdam,
Warwick University, National
University Singapore, Boston
University, Rochester University, Johns
Hopkins University, and Columbia
University.
Major Achievements
Some of the achievements of
Symbiosis School of Economics
include:
• Crafting out an active and well
evolved academic programme
THE LEADER OF
THE INSTITUTION
Dr. Jyoti Chandiramani, the Director of Symbiosis School of Economics, is
alsotheDeanoftheFacultyofHumanitiesandSocialSciences,attheSymbiosis
International (Deemed University) since 2010. As a social change maker, she
believes in leading by example and being inclusive. Her career began with K.C
College, Mumbai in 1982 and later with the Symbiosis College of Arts &
Commerce(1985-2013),wheresheservedastheHeadoftheDepartment(1991-
2013).Shehasbeenamemberofthecoreteam,responsibleforthesettingupof
thefirstSymbiosisCentreforLiberalArtsinIndia(2006).
Herjourneyintothefieldofhighereducationspansoverthirtyyearssince1982,
playing the role as a teacher, administrator, researcher and involved at every
stage with institution building. She has played an essential role in establishing
one of India’s leading schools of Economics and is committed to providing
students with an educational course of academic excellence and lifelong
learning.
Her research interest areas range from her dissertation work on foreign direct
investments to international economic cooperation and governance to urban
economic development. She has authored textbooks, edited a book titled
“Perspectives in Urban Development: Issues in Infrastructure, Planning, and
Governance”, published numerous research papers and worked on many
researchprojects.
Tour with Symbiosis School of Economics
Jyoti Chandiramani
Director
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• Attracting students across India and
abroad
• Attracting well qualified and
competent faculty members from
across India
• Shaping a thousand alumni with a
close monitoring of their career
progression
• Delivering a sound academic
curriculum and environment and
preparing students for a career
while equipping them to negotiate
the dynamic and volatile nature of
the real world.
• Excellent student progression.
To mention a few accomplishments,
the students have:
1. Qualified as IES Officer
2. Worked with organizations such as
Bloomberg and the International
Finance Corporation
3. Been awarded the best research
paper at the international
convention of South Asian
Economic Students Meet
(SAESM)
• The research focus of the school is
directed towards urban and rural
development, microeconomic and
international trade-related issues,
Sustainable Development Goals,
Small and Medium Enterprises
(MSMEs) and future of employment.
• The school undertook its first major
research project for the National
Bank for Agriculture and Rural
Development (NABARD), titled
“Rural Development Infrastructure
Index Including Physical, Social and
Institutional Dimensions”, in October
2018.
• In addition to the above, within the
span of a decade, the school has
instituted:
1. The annual college fest – ‘Laissez
Faire’, since 2011-12, later
renamed to ‘Equilibria’ in 2017-18
2. The Late Prof Suresh Tendulkar
Memorial Lecture (STML)
since 2014.
3. The student’s competition
which will soon be a pan India
event, titled “Economist of the
Year” (EOTY), since 2017-18;
4. Future of Employment:
Challenges and Opportunities
(FECO) – a biennial event to
address the challenges of this
crucial socio and
macroeconomic issue.
Some Major Conferences
• 2011 February: National Conference
on Urban Policy and Planning: A
Case Perspective of Pune
• 2013 – March: ICSSR Sponsored
Workshop “Setting the Urban
Research Agenda”
• 2015 – August: A two-week summer
university programme was
conducted by the Asia Europe
Foundation (ASEF) on Sustainable
Urbanization in Heritage Cites,
hosted by SSE under the Symbiosis
International (Deemed University).
• 2017 – February: Transforming India
2030: Strategies for Sustainable
Development Goals
• 2017 – December: GST Conclave
• SSE is planning to organize FECO in
a conference format in February of
2019. T R
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“I can positively say that Symbiosis School of
Economics has laid an excellent foundation for my
future. The B.Sc. Economics at SSE is an extremely
well-structured programme and provides in-depth
learning of Economics and Mathematics. It is well
supported by dedicated teachers who are always
available for guidance. The college also provides
wonderful prospects for International Student-
Exchange Programmes which provide excellent
opportunity to interact with international students.”
–Shruti Aran B.Sc. (Economics)
Honors (2012-15)
“Discipline, hard-work, and perseverance are the only
way to success. SSE has taught me to go for everything
(in the good sense). Nothing was served on the plate. I
had to work hard for everything. Also, the fond
memories would be a huge takeaway from SSE. SSE
made me more efﬁcient. It brought the best out of me.
The overall learning at this institute has shaped me as a
person. It was not just monotonous learning
(academics). The education was good enough to take
me ahead in my life.”
–Omkar Raut M.Sc. (Economics)
(2013-2015)
TESTIMONIALS
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Following the rich legacy and
the educational values of the
legendary Dr. Annie Besant,
Besant Women’s College was
established in June 1977. Being
affiliated with the Mangalore
University it has been re-accredited
with Grade ‘A’ by the NAAC for the
third cycle. Incepted by a great
philanthropist and visionary late Manel
Srinivas Nayak, the then President of
the Women’s National Education
Society (W.N.E.S), the sponsors of
Besant Institutions,
the college strives
hard to bring higher
education within
the reach of all
women who seek it.
It especially
adheres the female
students who are
economically and
socially backward
so that the ideals of
Annie Besant are realized and
cherished by many. It is one of the very
few colleges, which is available in the
district exclusively for women.
Taking Students to Heights of Glory
The college believes that the higher
education provided to the students
must fetch them proper employment
and build a good career for them. The
college conducts many career-oriented
courses after college hours to
supplement the regular university
syllabus. Some of these are:
• UGC sponsored courses in computer
networking and functional English
• Preparatory certificate course for
Chartered Accountants exam
• Entrepreneurship development
programme to encourage
self-employment avenues
• Certificate courses in embroidery,
beauty therapy, computer skills,
presentation skills, consumer
awareness etc.
• Exposing students to use the internet
to get more information on related
subjects of their course.
• The college has an “innovation club”
to encourage innovative activities
among the students
The courses are accompanied with
several extra-curricular activities,
which help the students to build a
strong career for themselves.
Furthermore, the college has several
tailored “Career Programmes” to
supplement the university syllabus.
Fabricating Students’ Careers
The college hosts campus interviews or
Formulating Better Educated
Generation for a Superior Future
Besant Women’s
College
The institute aims to instill and sustain in the
students a lasting desire to seek knowledge and
to impart to them the skills to acquire it
“The great use of life is to
spend it for something that
will outlast it”
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• Research and Development Cell has
organized a one day workshop on
“Research methodology for the
students”
• Several programmes on “Cleanliness
Awareness” being conducted at
regular intervals in accordance with
“Swacch Bharath, Swastha Bharath”
• The Department of Commerce &
Management of Besant Women’s
College in association with IIM
Indore organized a two-day workshop
on “Business Analytics”
• T-shirt painting workshop- jointly
organized by the career guidance
association of the college along with
Dream Zone, School of creative
studies, Mangaluru.
Education for Tomorrow
In terms of its age, Besant Women’s
College as the educational institute is
at quite a young growing age with only
forty-one years of establishment. The
leaders of the college have framed a
2027 futuristic vision for the growth
and prosperity of the college when the
college will be at the youth of fifty
years.
The college plans to:
Introduce higher benchmarks in all the
quality initiatives taken up; Introduce
more new PG and Inter-Disciplinary
Courses; Student learning through
virtual teaching; Establish
collaborations and linkages with
reputed research institutes,
business - houses and employers;
Study center for online courses;
Improve linkages and convert them to
MoUs for extension and outreach
activities; Procure more ranks at the
university level.
Job Mela every year either at the
premises or at the surrounding colleges
where the students participate. The
college prepares students for this by
providing certificate courses, entrance
exams training, and several activities
such as skills development
programmes, mock interviews,
self-confidence building programmes
to supplement the university syllabus.
Scholarly Reputation
Besant Women’s College has been
instrumental in developing eminent
alumnus. According to the college, its
major achievement is to admit students
who have secured passing marks in
their PU exams. It even encourages
students passing the supplementary
exams and converting them to first
class students, securing more than sixty
percent in the annual exams in the final
year.
The college is even more proud in
securing a Rank at the university
rd
examination, since the 3 year of its
inception, and has been attaining the
same continuously. Additionally, the
college has shown no discrimination
against the admissions and students
from the non-creamy layer are brought
out as responsible citizens with
excellence.
Few Major Conferences held by the
College
The college has conducted various
annual conferences, seminars,
workshops etc. To name a few:
• Innovarious – a National Conference
on Youth Entrepreneurship in Current
Competitive Arena, “Innovarious –
2018” organized by the Department
of Post Graduate Studies in
Commerce
The college attributes its success
to the visionary Founder President
late Shri Manel Shrinivas Nayak.
Many leaders of the college
follow his vision and path to
contribute equally to the growth
of the college. Current President
Sri Kudpi Jagadish Shenoy, who is
committed to preserving the
priceless legacy of the Besant
Institutions, and is constantly
enlarging its reach to touch
society in new ways, leads the
present management team.
Being a hotel management
graduate from Chennai
University, Kudpi loves to involve
himself in his work. He quotes
“personal service with a smile” is
the key secret of success of their
group.
He is a versatile personality in the
hotel industry of Karnataka state
and manages over two-hundred
subordinates. Under his
tremendous leadership, the hotel
owners association of the district
has recently won the coveted
award for excellence from
Karnataka Pradesh hotel and
restaurants association,
Bangalore. Furthermore, he is a
recipient of Udyogh Ratan-1995,
Rajiv Gandhi Excellence-1996,
and has the been honored with
the rst north American Konkani
convention held at new jersey,
USA.
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IN YOUR
RETIREMENT he simplest explanation for
Tmost people to understand
inflation is the average increase
in the good’s price and services or in a
more simple way- things get expensive
over time. The one point to observe
here is that the good and services being
employed or consumed by the elderly
are more influenced by the inflation
when contrasted to the ones consumed
by the young generation. Surveys
illustrate that the most surprising
information that seniors discovered
once in retirement is how much
everything costs without a continuous
source of income. They even say that
when planned for the retirement, even
when they calculated the difference,
they didn’t know the difference would
be so enormous and never imagined
how much they have to pay off for
everything they need.
Impact on the Retirement Saving
Inflation affects every living being, but
it affects mostly the ones who are not
ACCOUNT
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OF
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working full-time and can’t adjust the savings to
accommodate the rising costs. The fact is that it reduces the
acquisition power. When the cost of goods and services
increases faster than the money saved, the saving accounts
buy fewer and fewer goods and services over the course of
the time. Also, it is well-known fact that the requirement of
these services will never go away. Thus, there is a need to
be sure that the citizens have different income sources to
meet the required expenses.
The second difference that inflation draws along with it is
that it consumes the savings faster. Citizens can determine
the annual retirement budget and can include the cost of
living adjustments and must ensure that they have sufficient
capital to purchase the same amount of good and services
they call for.
Some special awareness of the following entities may help
citizens in proper planning their retirement plan:
Medical Costs: The medical cost will constantly be on the
rise and has significantly outpacing CPI inflation averages.
Seniors are more prone to call for more preventive care
when measured to the young, so they must be careful while
considering inflation in their retirement plans.
Food Costs: The costs can be volatile. The food products
have experienced pricing spikes in recent years due to
factors such as drought, livestock illness and advancing
farming practices. Citizens can expect the same from the
future.
Travelling Costs: The price of petrol, affect most goods
since shipping prices increase with fuel prices. As shipping
costs rise, so do the costs of goods that are being shipped.
Consequently, citizens’ traveling, daily commute, and fuel
prices should also be accommodated in the retirement
savings.
Impact on Retirement Investments
There is barely any other variable than inflation that
influences the retirement investments. This is an extremely
important factor and must be taken seriously to understand
the influence of inflation on investment. This is the planning
of unknown, a certain unknown which is hard to predict. So
to protect the wellness of the family, citizens plans must’
maximize the investment power to stay ahead of the
inflation. In doing the same, they also wonder if they should
be more conservative with the investments as they approach
the retirement age. However, they can approach this
differently. The blending of the benefits can maintain the
pace with the inflation. Bonds, money-making funds, saving
bank accounts are acceptable but not enough. Citizens can
also involve stocks and other investments to add an
economical level of growth potential to the investments
solutions. Taming down the investments can slow down the
retirements fund growth and weakens the financial
investment skeleton for those who are unfamiliar with the
inflation that lies ahead. Therefore, it is mandatory for
retirees to have a mix of investments that can keep pace
with the inflation.
The Solution
Citizens can dodge the harsh lessons resulting in the loss of
early retirement funds by keeping the following elements in
mind:
Assets needs: Strengthening the value of investments
beyond the inflation levels, so that retirees have significant
savings to afford the updated pricey but much-needed
products and services.
Long-Term Plan: Nowadays, it is simple to set a retirement
for twenty years, therefore a plan that can last through 20 or
more years can be beneficial.
Social Security: With built in cost-of-living adjustments,
social security is a unique life-long source of income that
can help retirees to get more out of it. Studies shows that
around one-third of retirees rely on Social Security in order
to provide ninety per cent of their retirement income and
more than half rely on Social Security for more than their
fifty per cent of their retirement income.
The best way of dealing with inflation is to communicate
thoroughly with the financial professional and establishing
an investment portfolio with keen eyes towards the inflation
and providing retirees the finest chance to invest well now
for compound benefits later.
Economic Hourglass
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Introduction
Higher education is enduring a
thoughtful transition across the
world. This transition leads to the
introduction of technology into the
education system and provides
opportunity to pursue degree through
online. Thus education system gets
transformation from legacy classroom
model to new online model.
Globalization has a great impact in the
transformation of system. The
technological revolution and internet
has helped to overcome the boundaries
of time, place, space, languages, etc.
and has enabled the user to share
access and transform information
across the globe economically. Internet
and technology fulfil the student’s
expectations by providing them
flexible and unlimited opportunities
across the globe. More than 370
million of Indians, which is close to
72% of their population, are connected
to internet (Internet world statistics,
2015; pyramid research; McKinsey
Digital Consumer Survey). In past 25
years, the life of college students has
improved drastically due to social
changes and technological innovations.
In addition to that, commencement of
new technology in the education
system/territory has helped many to
pursue their higher education through
online education program to pupil who
was initially unable to study due to
various reasons like location
accessibility, job and family
responsibility.
According to Bramble and Panda
(2008), globalization plays a vital role
in recognizing the necessity of
providing online learning opportunities
in higher education. An open source
online learning has been developed by
IIT Kanpur and named it as
“Brihaspati”. It was funded by
Ministry of Communication and
Information Technology. This online
platform has been deployed in more
than 80 universities across India and
used to post notes, reference materials
and hand out by faculties in electronic
mode.
A similar project was funded by
Ministry of Human Resources
named – National Programme on
Technology Enhanced Learning
(NPTEL) in 1999. This is the first
project that delivers course materials
through multimedia and web-based
technology to enhance the quality of
education/learning. Tamil Nadu
government established Tamil Virtual
University in order to endorse Tamil
language, culture and literature all over
the world with the help of internet in
1999. “Vartalaap” is the virtual
classroom environment created with
the help of computer based solution
and networks. It is very effective and
useful in improving the learning
experience of learners who choose
distance education.
In 2000, Doordarshan introduced an
exclusive TV channel for higher
education known as “GyanDarshan”.
Similarly, All India Radio (AIR)
introduced “Gyanvani” a network of
17 FM stations. Chukki-Chinna is the
one of the program broadcasted
through Gyanvani. It is an interactive
radio programme which has won
“Manthan – AIF” award for teaching
science, mathematics and social
science. Aim of Gyandarshan and
Gyanvani is to provide quality distance
education to all the citizens of India.
A virtual classroom was introduced by
former president Dr. A.P.J. Abdul
Kalam in “Rashtrapati Bhavan” in
order to reach out scientists, students
The Influence of
Technology in
the Education
Industry
The Influence of
Technology in
the Education
Industry
{Teaching Methods}
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and teachers all over the nation. In
addition to that a one stop educational
portal was launched as pilot project
called Sakhat which aims to serve 50
Crore users. The content of Sakshat
was developed by AICTE, IGNOU,
UGC, CBSE, KVS, etc. It associates
vast material resources and the links
are related to students, faculties,
scholars and users who are passionate
towards learning. A Telugu regional
portal called “esikshak” provides free computer courses to
rural area and it was launched by Ministry of
Communication and Information Technology. Recently,
private institutions have also introduced online education.
Initially NIIT provided online distance education -
“Netvarsity”. More than 500,000 students have been
benefited through this online learning system. This is the
network of 3500 centres in 33 countries all over the world.
Student Learning and Program Outcomes Obtained
Through Online Instruction
Lots of studies were conducted on the comparison of
student’s achievements in online education and traditional
educational environment. The studies conducted by few
researchers have no significant difference (Toyama et al.,
2010; Tallent-Runnels et al., 2006) and few found relative
difference in the performance of students (Bryan et al.,
2003; Schmidt, 2012; Sitzmann et al., 2006 and Whitewater
et al., 2005).The findings of above studies are summarized
below.
Outcomes of the Study
The meta-analyses on learning outcomes are based on
online delivery mode and traditional delivery mode.
Results of the analyses are similar and there was no
significant difference in achievement and performance of
the students. The study conducted by
Tallent-Runnels et al., (2006) states that, the
method of delivery was adequate for both
online and conventional. In certain cases,
online learners performed well than the
face-to-face traditional learners and
vise-versa. In recent times, online learning is
more effective than the traditional learning
Dr. B Naresh is a
faculty of Marketing
Department at Pune
Institute of Business
Management.
Dr. Rajalakshmi M is a
faculty of Human
Resource Department
at Pune Institute of
Business
Management
About The
Authors
Dr. B Naresh
Dr. Rajalakshmi M
Astute Thoughts
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with the help of technology (Means et
al., 2010 and
Tallent-Runnels et al., 2006). Anyhow,
these meta-analyses serve as important
evidence and say there is no significant
difference prevailing in student
outcome with respect to the mode of
educational delivery.
Few studies have found difference in
the performance and outcome of the
students in online and traditional based
learning. A sample study has been
conducted among post-graduation
students in order to learn the difference
between online and traditional learning
(Anstine and Skidmore, 2012) and
found that traditional learning is
superior to online learning.
Quasi–experimental study was
conducted among people who pursue
accounting through online and through
face-to-face learning which resulted in
no significant learning between them
(Schmidt, 2012). Similarly, study
conducted by Bryan, Campbell and
Kerr concluded that there is a better
outcome from online learning than the
traditional learning.
Knowledge Domains
The level of achievement of students
found is similar in some studies and
better in online learning and vice versa
in other studies (Sitzmann et al., 2006;
Dell et al., 2010; Heale et al., 2010 and
Yoshimura, 2010). A study conducted
through these modes on various
academic disciples and their final
grades have been taken into
consideration. The three modes of
education are traditional learning,
satellite broadcasting and via live
video streaming. Engineering,
computer science, mathematics,
education, communication, English,
economics, geography, marketing,
nursing, management, psychology are
included, where same instructor
handles the same course in all the
modes (Yoshimura, 2010). 364
members participated in management
studies. After providing course through
online and traditional learning, the
results of students were compared.
There is no difference in the outcome
of students between online learning
and face-to-face learning in all kind of
course like technical course, nursing,
criminal justice, human development,
psychology (Lam, 2009 and Beck,
2010). A Relative difference has been
found between online learning and
classroom instructions depending on
the knowledge domain. 96 Studies
have been taken into consideration that
includes 168 courses with 19,331
students. Out of which 67% of them
were undergraduate, 18%
postgraduates and 15% employees. On
the basis of teaching declarative, online
learning is 6% more effective than
classroom learning. There is no
difference found between modes of
delivery on the basis of teaching
procedural knowledge. When students
are provided with independence of
time and they practice the materials
provided by online learning, then the
online learning will be 19% better than
classroom teaching (Sitzmann et al.,
2006).
Teaching Science
Teaching of natural science through
online is bit challenging since it has
laboratory and practical work. The
factual content in course can be
converted to online format but
fieldwork courses are very hard to
mend with online model. To avoid this
complaint, hybrid approach is
introduced in the institutions where,
they can use lab facilities through
campus learning and other course
materials through online (Hallyburton
and Lunsford, 2013). Even though
there is no significant difference among
online and traditional learning, it
would be much better to follow hybrid
approach for the science course.
Quality Guidelines of Online
Learning: Employer’s Viewpoint
The quality of online learning cannot
be decided only based on accreditation
and content of course. In spite of
efforts and initiatives taken by
institutions, tutors, accrediting
agencies and students, the important
factor that drives all is the effort of
“Employer”. If an employer feels that
the quality of an online course is not up
to the standards then, them won’t hire
the candidates who pursued that course
and down the lane that course will lose
its significance and will not sustain in
the market. Thus, it is very important
for each educational institution to join
hands with employer while
legitimizing the standards and policies
of the course. The perception,
awareness, readiness and reputation of
the employers on online education are
also considered as the major important
factor in the research. The qualities that
are expected by the employer from
online education and online graduate
are
1. Integrity
2. Communication skills
3. Self–motivation
4. Interpersonal skills
5. Teamwork
6. Innovative and Initiative
They are also expected to be strong
enough in hard skills like critical
thinking, mathematics, etc. (Branch,
2007). There are only very few
research conducted on employer’s
perception even though it plays an
important role in online education. In
the near future, perception of employer
will play major role in prototype of an
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Established in 2013, C.U. Shah
University (managed-
sponsored by Wardhman
Bharti Trust established in 1969) is a
State Private University, wide-spread
across land. It startedseventy-five-acre
its journey with well-known C. U.
Shah College of Engineering & Tech
in the year . It is recognized and1997
approved by all regulatory and
statutory bodies such as UGC, AICTE,
PCI, NCTE, BCI, MHRD INC, and
Govt. of Gujarat. The institute strives
to be a global center of excellence in
higher education. Its main area of
concern is to cater to the requirement
of society by offering programmes in
disciplines such as technology,
pharmacy, science,
computer sciences,
management,
commerce, law,
education, social
works arts, and
humanities,
through a
sustained of
innovation and
quality
enhancement.
A Comprehensive Platform
C. U. Shah University runs many
courses in various disciplines, which
include Engineering, Arts &
Humanities, Commerce, Science &
Life Science, Education, Management,
Nursing, Pharmacy, Computer Science,
Law and Social Works from
diploma-UG-PG-Ph.D. Many courses
and colleges are NAAC accredited.
The institute has excellent
infrastructure facilities like ICT
enabled classrooms, well-equipped
state-of-the-art laboratories, 24X7
Wi-Fi enabled campus, central AC
library with a well-stocked collection
of books and international journals. It
has a recreation center with canteen,
sports, yoga and gymnasium facilities,
lush green campus with plenty of open
spaces supporting cultural and sports
activities, world-class central
auditorium, and centralized computing
facility.
In order to promote the development
of the faculty members and students in
overall, various technical,
non-technical, cultural, sports,
symposium, TechExpo-Project
Exhibition has been organized every
year to boost the student’s confidence
and nurture them to their maximum
potential. These series of events are
named as innovation, prasthan, pragay,
nexus, MECH Darpan, spurgeon,
uddan, advita, sparkle, and sports
week. National and International
Conferences, Vice Chancellor Lecture
Series conducted by more than fifty
faculty members of C. U. Shah
University with a PhD Degree, a
recent national-level symposium on
“future perspectives of Indian Higher
Education” sponsored by GUJCOST
are few key initiatives to keep pace
with the recent trends.
Successive Major Accomplishments
C.U Shah University has successfully
Enriching Life and Fabricating
the Path of Success
C. U. Shah
University
C. U. Shah University endeavors to work towards a
leading position amongst the Indian Universities
through excellence in teaching and research, and value
addition to human life and its pleasing environment.
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The Industry Institute Interface Cell
and Training & Placement Cell
extensively focus on bridging the gap
between industry and academia. In
order to make the students
industry-ready, industry expert
personnel talks, industry visits,
workshops, and career development
activities like soft skill development,
preparing for interviews, aptitude tests
have been organized on a regular basis.
The placement drives from more than
110 companies conducted in the last
one year and recruited more than 205
students by reputed companies also
including international placements.
Strengthening with Time
C.U. Shah University aims to
strengthen and foster outreach
activities in almost all the verticals as
required by any prominent University.
It has already initiated to collaborate
with the foreign university for possible
tie-ups like faculty and student
exchange programmes. A number of
MoUs with the industries have been
planned to sign and promote the work
on skill development programmes, R &
D projects, industry issues, industrial
training, and placements. The institute
will take major efforts in preparing
st
students for the 21 century and
making them globally competitive.
Proud Alumni
C. U. Shah University has strong
alumni base settled across the globe
working at reputed organizations and
leading at key positions. The
prominent and proud alumni are
Kaushal Patel (Facebook, USA),
Vishal Verma (Apple, USA), Tapan
Acharya (System Engineer, TCS,
Deutschland), Parin Kothari (Sr.
System Engineer, IBM, Toronto ),
Patel Urvi (Intel Corporation),
Hemant Goyal (Vice President,
CitiFinancial, Marylan), Manish
Pandey(IoT, Solution Architect
at TCS, Bengaluru).
achieved many milestones along its
journey by adopting innovative,
evolving and novel approaches of
developments entirely. To name of few
of them are:
• TCS accredited institute
• NAAC accredited courses
• Running Startup/ Innovation Center,
Government of Gujarat, C. U. Shah
University Incubation Center (CUIC)
• MoU signed with Gujarat Social
Infrastructure Development Society
(GSIDS), INFLIBNET, CADD
CENTRE - CHENNAI, Bosch
Rexroth
• C. U. Shah University has become
Institutional Member of Current
Science Association, Bengaluru, a
provisional member of Association of
Indian Universities (AIU)
• First Engineering College in
Saurashtra Region as approved
Training Centre (Mechanical and
Civil) under Pradhan Mantri Kaushal
VikasYojna (PMKVY-TI).
• Hon’ble Dr. J. G. Sanghvi, President
of C. U. Shah University awarded
with GREEN INITIATIVE AWARD
during 9th Annual Boston Green Fest
These recognitions have gained a
fruitful momentum for the university
and also made it a brand identity on the
national and international scale.
Exceptional Career Guidance
C.U. Shah University consists of
well-qualiﬁed and dedicated faculty
members, who have constantly strived
to disseminate knowledge and develop
the students with wide-ranging career
prospects like entrepreneurship,
startups, further studies, research, and
placements at reputed industries. The
Academic Council and Board of
Studies pay acute attention to
industry-ready syllabus designing by
inviting eminent academicians and
industry experts. The syllabus is
revised periodically to meet the current
industry scenario and global trends.
Dr. Ved Vyas Dwivedi, Provost at
C.U. Shah University is a renowned
educationist, an academic
manager and a core researcher
having an extensive experience
for imparting education and
thoroughly managing the
educational organizations. He is
an adroit person having a very
microscopic analytical mindset
and dedicates himself to
reconnect with the ancient age
not as a leader but as the one
who silhouettes the leader. The
initiatives of woman
empowerment, educational
enlightenment, research,
innovation, culture generation, go
green globe are his key goals to
achieve with optimized skill sets.
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UNDERSTANDING THE
NUANCESOF
ECONOMIC BEHAVIORAL BIASES
uman beings are rational creatures. Every decision
Hthat humans take involves rationale. The studies
of Behavioral Economics show that humans are
not as rational as they like to think and they make irrational
decision all the time. Daniel Kahneman, a leading
psychologist & Nobel and Amos Tversky, a human
judgment and decision-making expert challenged the
concept of homo economicus or rational human beings.
They pioneered the risk aversion theory which can be
explained by giving an example such as, if a person is given
a choice to take five-hundred Rupees and fifty percent
chance of having fifteen hundred Rupees, he is most likely
be going for five-hundred Rupees.
The choices that humans make are often irrational and
humans being emotional can get easily distracted by the
external and internal factors like social influences and
feelings respectively. There are various biases that arise
during the decision-making process and those decisions
mostly are often not in the self-interest. This is especially
significant in the world of finance and money. Many
investors often invest their money and take unwise
economic decisions all the time. These unwise decisions or
the human biases comprise two types i.e. cognitive and
emotional.
Cognitive bias deals with the systematic pattern of
deviating from rationality in judgment. It further branches
into:
Confirmation Bias: Picking out the best felt confirms the
presence of confirmation bias. In this, the person’s mind
draws notions and information that validate its existing
ideas about something. Consequently, this type of bias only
provides only half the picture.
Gambling Bias: In this, the investors believe that if
something happens frequently than normal during some
period then it will happen again frequently in the future or
the vice-versa. Most investors are found to have such kind
of beliefs.
Status Quo Bias: Audience can be resistant to change in
this bias. They will repeat the same thing instead of pulling
new schemes. Entertaining this bias can yield safe results,
but can erode the profit margins of an individual or a
company.
Herding Bias: This bias is also known as the herd mentality
or the Bandwagon Effect. No matter the person believes
and independent decisions, a lot of people tend to be doing
what most of the people are doing. To summarize, under
herding, individuals mimic the action of the larger group.
Negativity Bias: When individuals invest more by the bad
news when compares to the good.
Choice Bias: Having too much of options can hamper
individuals’ ability to pick the right one, hampering to
attain the tailored financial goals and objectives relevant to
them.
Subconscious Call
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Emotional biases are driven by emotions,
rather than logic and facts. It can also be
defined as distortion in decision making and
cognition due to the emotional factors. It
includes:
Loss Aversion Bias: Loss aversion bias deals
with persons that tend to focus more on the
losses than on the gains. They try to limit
losses at the expense of the gains. For example, during the
low value of the stock, the person holding won’t sell, even
though the redeemed money that is low can even be
refurbished by investing in the higher quality stocks.
Instead, they hold the loss and hope that the stock prices
will recover eventually.
Mental Accounting: It means people accounting and
viewing sources of money differently from the other
resources. For example, getting emotionally attached to a
certain stock.
Control Illusion: Having the illusion of picking the right
stocks or control over the outcome of the investment
decisions or someone who think that they can time the
markets to get the optimal results.
Overconfidence Bias: Investors often, with continuous
good investments, can get a little comfortable. This can lead
to being reckless with the portfolio or thinking of self as
infallible.
Blind Spot Bias: Self-denial
comes under blind spot bias.
Often, the investors think that
they cannot make the mistakes.
They think that this bias is
behavioral quirks that only
happen to others.
Recency Bias: It involves
thinking that the recent events or occurrences will continue
forever. The sole basis of predicting the long-term future
contradicts with the unpredictability of the market.
Hindsight Bias: Fancying one and feeling overly proud
while making the hasty decision is way too common. This
often leads to the wrong being made.
Avoiding these Biases
It is natural to be biased and there is no way out of thinking
like this, especially when investing earned money into the
market. Investors must remember that what happened today
will mostly not happen tomorrow. They must be certain and
must not follow the market blindly. Reading and
understanding all the data regarding the investment can
further add to the safety and security of the investments.
And most important of all, they should have detailed
discussion with their financial advisor about the market,
its fluctuations, and expectations etc. Every investor must
analyze before investing, regardless of the level of the
success. T R
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Dr Rashi Krishna Sinha
Associate Professor
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OPPORTUNE TIME
to Act Swiftly for the
PERSONS WITH DISABILITIES
uch water has flown in the Ganges since India
Menacted The Persons with Disability Act 1995
and National Trust Act of 1999. The plight of
the persons with disability (PwD) has remained more or
less the same. The identification and consequently the
counting of their number has confronted the problem of
definition of the term ‘disability’ and its types. Investigators
assigned to collect data are neither from the respective field
nor they are medical people, they rely on certificate issued
by the competent authority which many a time is
unavailable. Coupled with this is the issue of definition used
by the Census operations and the National Sample Survey
Organisation (NSSO). Here it is quite pertinent to recall
th
what NSSO 36 Round (July-December 1981) cites, “the
detection of disability is very difficult if one wishes to
follow a strict definition”. In this context the remarks in
Dec. 1972 issue of ‘Rehabilitation International’ are ‘the
information presently available on the quality and extent of
disability throughout the world is scant. Statistics on the
extent of specific disability and their causes are often
inaccurate and generally incomplete. The figures which are
available vary greatly. Among the variable that create
problems of data interpretation are definitions of disability
and the conditions which it includes (chronic limitations of
activity, severe or minimal impairment, e.g. all visual
defects, all anaesthesia in case of leprosy, all missing parts
of the parts of the body including digits, limbs), statistics on
possible causes of disability or the actual number of
disorders.
The aforestated citation of NSSO highlights the issues in
the collection of data about the number of persons with
disability and is quite relevant in the present contemporary
scenario even after about 47 years. The issue of
identification and the counting of their number in the total
number of persons in India is very vital. Notwithstanding
the focus of the government of India to uplift the situation
of this section of the society much could not reach at their
end. It is an acknowledged fact that for a dignified and
decent living a source of income or what one would say
employment is a must. The Standing Committee on Rural
Development (2012-13), Ministry of Rural Development
(GoI), makes the reference point very clear about who
could be considered as the disabled for employment in
Mahatma Gandhi National Rural Guarantee Programme
(MNREGP) as per Mahatma Gandhi National Rural
Guarantee Act (MNREGA) of 2005 which envisage The
PwD Act 1995 and National Trust Act of 1999 to be the
reference point. The respective committee was appraised
about the Mihir Shah Committee being constituted. Shah
Committee prepared elaborated guidelines for the
employment of PwDs in MNREGP as specifically suitable
for the type of disability. Given the disability specific
employment opportunity in MNREGP the present need is to
identify and count the number of persons with disability as
per the Rights of Persons with Disability Act 2016 passed
by the Parliament in 2016 which is in consonance with the
United Nations Convention on Persons with Disability. It is
the most opportune time to work out the strategy of
synchronization between different agencies collecting data
on disability vis-a-vis the definition of disability and its
types in different age groups as Census 2021 approaches
near. The benefits of the initiatives to ensure an earning and
to enhance their quality of life will percolate to the lowest
ebb, the village, once the families of the PwD are aware
about the disability and the specific type of employment for
that disability in MNREGP with inclusion of the additional
provisions in the Mihir Shah Committee guidelines as per
PwD Act 2016. T R
Expert’s Insights
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About us
EYFS Curriculum
EYFS FROM UK
(Early Years Foundation stage)
GLOBAL PRACTICES
Amalgamation
Montessori
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FLOWER
4 years to 5 years old
Academic
We offer an innovative
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We follow a unique
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DAV College, Jalandhar was
established in 1918 in the
sacred memory of Maharishi
Dayanand Saraswati to impart modern
knowledge along with the Vedic
traditions to the youth of contemporary
India. The institution has entered into
the 100th year and has established
itself as an academic giant with
matchless service of growth and
grooming of youth in the country. DAV
College, Jalandhar is a premier
multi-faculty; co-educational post
graduate institution which has NAAC
re-accredited Grade ‘A’ with 3.76
CGPA. It has been recognized as
“College with Potential for
Excellence” by UGC New Delhi. DAV
College has been
supported under
DBT-FIST by Ministry
of Science and
Technology, the
Government of India.
Exceptional
Educational and
Infrastructural
Facilities
The post-graduate
department of
Economics was
established in the year
1918. Prof. R L Bhatia, a graduate
from London School of Economics
was the Founder Head of the
Department. The department strives to
build up strong foundation at graduate
level and research aptitude at post
graduate level. DAV College, Jalandhar
at present is one of the largest
academic centers of North India
imparting instructions in Arts, Science,
Commerce, Computer Science, Food
Science & Technology and Media
Studies. Besides a host of courses at
the undergraduate level, the college
provides instruction in fourteen
disciplines at the post graduate level.
The campus is Wi-Fi enabled with
modern infra-structure that includes
spacious and well-equipped smart
classrooms, well-stocked library with
DELNET connections, Hi-technology
science laboratories and state of art
computer labs supplemented with
dedicated leased line internet
connections. Five comfortable hostels,
two for boys, two for girls and one for
sportspersons, vast and
well-maintained playgrounds, and
manicured lawns complete the picture
of the college.
Outstanding Carrier Opportunities
The Motto of DAV College is loud and
clear- “Hey students! You are assets,
the higher you go; the higher goes
your alma-mater!” The College has a
Training and Placement cell to arrange
career counseling, training and
placement activities for placement of
ﬁnal year students of UG and PG
Classes. The Training and Placement
cell is an indispensable pillar of DAV
College and plays a vital role in
shaping student’s future. The
placement cell functions with a vision
to groom students with competencies
and employability skills to become part
of Top notch companies.
Eminent Alumni
The list of the alumni makes college
Empowering Students
with Exceptional Education
DAV COLLEGE
JALANDHAR PUNJAB
The institute aims to provide high standard of
academic performance, quality and value
based education to promote employment
opportunities, continuous improvement, and
enhancing decision making capabilities for
students
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P K Gupta MD of SBI are alumni of the
college. The college has produced18
Olympians, 8 Arjuna Awardee, 2 Dronacharya
Awardee and thousands of other distinguished
Indians till now.
More than Just a College
The overall development of the students has
been the prime motive of Economics
department which is achieved through
classroom teaching and other activities
organized by two very active and progressive
societies— The Kautalya Society of
Economics and The Ambedkar Planning
Forum. These societies organize extension
lectures, group discussions, educational tours
and cultural programs every year. The students
are motivated to avail employment
opportunities in banking and insurance sector
and are encouraged for Indian Economic
Services besides teaching profession.
Career counseling and guidance cell
endeavors for the holistic development of
students so that they can serve their
community, society and motherland. Keeping
in view the student focused approach; the cell
provides career as well as psychological
counseling to students. Throughout the year,
career counseling programs are carried as and
when the students need any guidance.
Moreover, the cell also provides psychological
counseling to students, addressing any
behavioral problems or any other psycho-
social problems or issues that they might have
in their life in coordination with the
department of student welfare.
Future Endeavors
DAV Jalandhar is always taking the challenges,
finding opportunities and devising changes to
foster developments. Institute believes in
adjusting the existing educational systems into
a system that is universal and holistic, thus
making every student a ‘global’ student. The
Institute is dedicated to make students ready
for various services and professions like IES
Officer, IAS/IPS/PCS Officer, Teachers, NSSO
Officers, Bank Employees, Insurance
Employees, M. Phil. and Ph.D. and Research
Scholars.
proud. The Nobel Laureate Dr.
Hargobind Khurana, renowned
Ghazal Maestro Jagjit Singh, “Hero
of American Hearts” Dr. Harvinder
Sahota-the world renowned
cardiologist, former Director of
PGI Chandigarh and presently
Advisor to the Government of
India- Dr K K Talwar, noted
bollywood singer –Sukhwinder are
some of the famous alumni of the
college. Additionally ,famous sufi
singer Hans Raj Hans, former
Indian Ambassador to Pakistan-
Sharat Sabharwal, former Vice-
Chancellor of Guru Nanak Dev
University- Professor A S Brar and
Vice-Chancellor Punjab university-
Professor-Arun Kumar Grover, Sh.
The HOD of PG department of
Economics, Dr. Suresh Kumar
Khurana, did his M. A.
(Economics) in 1990 and M.
Phil. in 1991. He was awarded
Ph. D. in 1993 and D. Litt. in
2018. He has authored
eighteen books and 25 articles
of his have got published in
national and international
journals. He has attended
eleven seminars, workshops
and has presented 87
Research papers. He
successfully completed a
Research Project funded by
UGC, New Delhi. He is the
founder editor of the research
journal “The Economic World
with ISSN number 2393-
8145”.He has been invited as
Resource Person at Wardha
(Maharashtra), Chennai
(Tamil Nadu), Jammu
University, Jammu (J & K) and
Laussane (Switzerland). Dr.
Khurana has received Bharat
Jyoti Award from the India
International Friendship
Society for meritorious
services, outstanding
performance and remarkable
role in promoting education.
He is a member of thirteen
professional bodies.
Pandit Mehar Chand is the
Founder Principal of DAV
College. At present, DAV
College Jalandhar is being
administrated by Principal Dr.
S. K. Arora who is one of the
most experienced
administrators of the DAV
organization. He is quite
receptive to the technological
changes taking place in
teaching, learning, and
management and swiftly
adapts himself, his team and
his institution to the demands
of the times.
PERSONALITIES BEHIND THE SUCCESS OF INSTITUTE
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IN INDIA, 2018
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THE ROLE AND IMPORTANCE OF STUDYING
ECONOMICS
ABOUT THE AUTHOR
Dr. Sebak Kumar Jana is currently
Professor of Economics and Head
in the Department of Economics
with Rural Development,
Vidyasagar University, West
Bengal, India. Dr. Jana was
graduated from Presidency
College, Kolkata and M.Phil. and
Ph.D. degree in Economics from
Jadavpur University, Kolkata. His
major areas of academic interest
include environmental and
resource economics, agricultural
economics, rural development
and economics of education.
He has about seventy
publications in Journals
and edited books. He
has published six
books as author or
editor. He, as a
Principal
Investigator, has
completed six
research projects
funded by ICSSR,
UGC and
NABARD and
IWMI.
Sebak Kumar Jana
Professor
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conomics is the study of how societies,
Egovernments, businesses, households, and
individuals allocate their scarce resources and
how they interact with each other in producing and
maintaining livelihoods. The subject ‘Economics’ is
intellectually fascinating and challenging. The discipline
of economics has mainly two important features. First,
economists develop conceptual models of behaviour to
predict responses to changes in policy and market
conditions.
Second, they often perform statistical analysis to
investigate these changes. Early economists like
Physiocrats and Mercantilists were advisors to the rulers
of their time. In the present time, economists are
everywhere - from performing advisory functions to
policy formulations. They also contribute to the
development of many other public policies traversing
across a wide dimension of subjects including health
care, climate change, social welfare, school reforms,
labour market dynamics, economic development and
efforts to reduce inequality, poverty, unemployment,
regional disparity, pollution etc.
Technology, economic institutions, peoples’ preferences
and biology are some of the important determinants of
economic outcomes. Economists aspire for a better
world where their subject will secure conditions in which
all the people flourish and live with happiness.
Historically, economic theory emerged from the political
economy. The crisis in the Great Depression in 1930s
triggered a fertile period of scientific ferment and
revolution in economic theory. Keynesian school
recommended that the problems of underdevelopment
can be solved by extension of government activities.
Thereafter many economic theories came to the fore to
explain the real world. For example, we may take the
theory of general equilibrium which concerns the way in
which apparent economic disorder gives rise to an
orderly system and how it is that seemingly
independently made decisions, all motivated by self
interest, can become coordinated and lead to something
which can reasonably be called for. The 2008 global
financial crisis led to the emergence of new economic
theories like heterodox economics to offer better insights
into the real world.
Every country has its own historical experiences and
economic peculiarities. Economics helps us identify the
policy measures for attaining sustainable growth path
with which the countries like China, South Korea and
Singapore in Asia and Botswana in Sub-Saharan Africa
have made economic progress. The economic analysis
helps us to find that major sources of growth of low
income countries are capital accumulation, increases in
the size and quality of labour force, technological
improvement and management of natural resources. The
economic theory and economic tools help us to address
many questions like causes of concentration of
innovation in Silicon Valley or causes of economic and
financial instability or how to value the non marketed
goods like environmental goods or ecosystem services.
Study of economics helps a person in understanding of
human behaviour and in cultivating analytical and
argumentative skills that are crucial for winning job in
the present day job market. With the drastic
transformation of the economy in the recent decades,
there is a growing demand for trained economists from
diverse fields such as government, finance and banking,
social sector, management, business, policy making and
teaching.
In the mundane world, we are forced to make economic
choices in our daily lives. Economics teaches us many
things like how to make choices under scarcity, how the
aggregate economy works, how to interact in society,
how to interpret events, how to participate in a
democracy as a responsible citizen etc. Studying
economics equips individuals to take better decisions
leading to increasing the economic security and well
being of the people and society.
“---- if only economics was better understood, the world would be a better place”
Richard Stone (1913-1991), “Autobiography,” Nobelprize.org, 1984
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Leader's Thoughts

With the notion to cater to
the need of commerce
education of the students
from Bardez, Pedne, Bicholim, and
Sattari talukas, the Dnyanprassarak
Mandal’s College and Research
Centre (DMCRC) was established in
the year 1974. It is one of the premier
higher education institutions in Goa
and is recognized by the UGC under
sections 2(f) and 12 B of UGC Act.
The institute has successfully
undergone three cycles of NAAC
accreditation with grade ‘A’ in the year
2016.
The college has
strong alumni of
more than
twenty-thousand
students in diverse
roles like
Principals,
Professors,
Ministers,
Businessmen,
Defense,
Administration,
Police force,
Judiciary, Journalism, Banking and
Insurance, and Hospitality etc.
Furthermore, the institute was ranked
among the top 150 colleges of India
under NIRF ranking of MHRD, Govt.
of India in the year 2017. The Institute
is also recognized under ‘Unnat Bharat
Abhiyan’ a flagship program of
MHRD, Government of India. College
ranked 79 among top 100 best
Commerce colleges in India by India
Today in 2017. Also BBA department
rd
is ranked 33 among the top 100
colleges in India by Times of India
ranking 2017.
DMCRC has an excellent
infrastructure with spacious and
well-equipped laboratories. Forming
association with the International and
National institutes, Government and
Non-Government organizations,
Industries for Research, Placement, the
institute have very low student
drop-out rate and high placement rate
with the evidence that shows excellent
results over many years. It also offers
financial assistance by offering
Rs. 10,00,000/- to teaching staff and
Rs.3,00,000/- to non-teaching staff
without any security and additionally,
Rs. 30,000 short-term loan for any
emergencies. With all these exceptional
education, services, and facilities, the
institute is fabricating the education for
social transformation and is building
the nation for a better tomorrow.
The Robust Curriculum
During the last decade, the institute has
revised and diversified its programs,
starting courses like B.B.A., B.C.A.,
M. Com. and M.Sc. (Pharmaceutical
Inspiring, Igniting
and Transforming to Excel
Dnyanprassarak
Mandal’s College and
Research Centre
The institute aims to contribute to the creation of an
intellectually dynamic society, which is committed to
excellence, human dignity, and the realization of human
potential
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Tourism, Finance and Insurance,
Education, Pharmaceutical and
chemical industries etc.
Accomplished Alumnus
With over twenty-thousand alumni, the
institute has a strong threshold in
Education, Sports, Police, Banking and
Insurance, Civil Service, Business,
Politics, Media, and Judiciary etc.
Some of the students’ distinctions are:
• Placed in highest Government ofﬁces
like Superintendent of Police and
District Magistrate
• Alumni have been Ministers in the
Government and members of the
local governing bodies like
Municipalities and Panchayats
• As Assistant Professors, Associate
Professors and Principals of schools
and colleges.
• Many have set up their own
businesses.
• Its large number of our alumni have
won prizes at State, National, and
International Events
Future Prospects
The institute will continue to provide a
higher form of education and aims to
strengthen the bond and have more
collaboration with the National and
International Higher Education
Institutes. Starting with new innovative
courses, the institute plans to link
higher education to the needs of
industry as well as the society
alongside promoting faculty and
student exchange programs, both at
national and international levels.
and Organic Chemistry) and Ph.D. in
Commerce and Chemistry. Considering
the aspirations of students for Higher
Education, the college, along with the
Post Graduate courses, has initiated
Research Centers in Commerce and
Chemistry, which has helped many
students in creating careers in Research
and Development.
Implementing the innovative teaching
methods, the college has developed
strong links with a large number of
Government and Non-government
organizations associating higher
education to the needs of the
community providing opportunities for
community development for faculty
and students. Moreover, the
employment and career guidance cell
helps in training students by using
various skill and short-term based
courses, enhancing the employability
of the graduates and postgraduates.
Enthralling Career Opportunities
and Exposures
DMCRC’s innovation
teaching-learning methods like
role-plays, case studies, mini projects,
industrial visits, and on-job training
help the students to enhance
employability and motivate them for
higher learning. Students opting for
Post Graduate courses and Research
Centers can enroll themselves for
higher studies in the same college. To
inculcate the moral values and sense of
patriotism among students, the institute
trains students for NCC Army and
Navy programs with results seen in
large numbers of a student being
selected for the republic day parade. It
has also helped various industries in
providing well-trained manpower in
diverse sectors of the economy like
Dr. D.B. Arolkar took over as the
Principal of DMCRC in June 2002.
He introduced several new
courses like BBA, BCA, M.Com,
and M.Sc. (Pharmaceutical and
Organic Chemistry) in the
college. Under his astute
leadership, DMCRC became the
rst college to be afliated with
Goa University, providing Ph.D. in
Commerce and Chemistry. He
has been a member of several
statutory committees of Goa
University like Executive Council,
Academic Council, Planning
Board, and Chairperson and
member of several standing and
working committees of Goa
University and Government of
Goa. He was also the Director of
College Development Council of
Goa University for six years (3
terms).
On the personal side, he is a
prolic researcher and has
published several research
papers in reputed National and
International journals. He is a
speaker and resource person at
various academic programs. He
publishes a peer-reviewed
research journal from his college,
known as ‘National Journal of
Social Science Research’.
ABOUT THE PRINCIPAL
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IN INDIA, 2018
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JAIN VISHVA BHARATI INSTITUTE
(Deemed University)
jvbi.ac.in

The 10 Best Institutes for Economics Studies in India, 2018

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