Fast-moving consumer goods or Consumer Packaged Goods (CPG) are products that are sold quickly and at relatively low cost. FMCG sector is the 4th largest contributor to Indian economy with a market size of more than US$ 51.4 billion in 2017. This sector will continue to see growth as it depends on an ever-increasing internal market for consumption, and demand for these goods remains more or less constant, irrespective of recession or inflation. Availability of key raw materials, cheaper labor costs and presence across the entire value chain gives Indian FMCG industry a competitive advantage. Penetration level as well as per capita consumption in most product categories like jams, toothpaste, skin care, hair wash etc. in India is low, indicating the untapped market potential. Increasing Indian population, particularly the middle class and the rural segments, presents an opportunity to makers of branded products to convert consumers to branded products
M&M complete analysis done in the year 2013, from july 2013-october 2013 with the help of our respective college staff. Special thanks to the Dean Prof. Bhattacharjee & visiting faculty prof. Abhay Srivastava.
Financial Analysis of Indian Fast Moving Consumer Goods (FMCG) Industry.Siddharth Bhatnagar
A Presentation on the Financial Analysis of Indian Fast Moving Consumer Goods (FMCG) Industry focusing on 5 major companies namely Nestle, Hindustan Unilever Ltd. (HUL), Pidilite, Dabur and Britannia. Analysis consists of financial analysis, trend analysis as well as industrial analysis.
We have done research on FMCG industry in India. Main companies are Patanjali and Dabur. Cost leader and Revenue and Percentages all are calculated accordingly.
M&M complete analysis done in the year 2013, from july 2013-october 2013 with the help of our respective college staff. Special thanks to the Dean Prof. Bhattacharjee & visiting faculty prof. Abhay Srivastava.
Financial Analysis of Indian Fast Moving Consumer Goods (FMCG) Industry.Siddharth Bhatnagar
A Presentation on the Financial Analysis of Indian Fast Moving Consumer Goods (FMCG) Industry focusing on 5 major companies namely Nestle, Hindustan Unilever Ltd. (HUL), Pidilite, Dabur and Britannia. Analysis consists of financial analysis, trend analysis as well as industrial analysis.
We have done research on FMCG industry in India. Main companies are Patanjali and Dabur. Cost leader and Revenue and Percentages all are calculated accordingly.
India’s largest FMCG Company.
Founded by 1932.
It is owned by Anglo-Dutch company Unilever which owns a 67% controlling share in HUL.
Headquartered in Mumbai.
Over 700 million consumers.
More than 16,500 employees.
A report on the Financial Analysis of Nestle India Ltd. and its comparison with the other leading Fats Moving Consumer Goods (FMCG) players in India. The Analysis also includes Trend Analysis and Industry Analysis.
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A report highlighting the various corporate social responsibility initiatives taken by the Tata Group and their subsidiaries. Tata sustainability policy has also been mentioned.
It discusses about capacity management in the telecommunications sector and also the factors that affect them. Talks about internal and external capacity management.
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The loyalty programmes followed by different hotels in the industry. The hotels given here are ITC Hotel, Treebo Hotel, Hyatt Hotel, Taj Hotel and Marriott Hotel.
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Hindustan Unilever Limited (HUL) is India's largest Fast Moving Consumer Goods company with a heritage of over 80 years in India. On any given day, nine out of ten Indian households use their products. In this report we do financial analysis of Balance Sheets and Profit & Loss A/Cs of the company. We also analyze the impact of demonetization and GST on the company and also look at the FMCG sector as a whole.
Influence Of Technology On Human Resource ManagementNavitha Pereira
Technology has transformed our lives and the way we communicate, how we learn, how we work and spend free time, in essence-it has more or less changed every aspect of human society one can think of. Undoubtedly it also affected organizations' employees and their workplaces in job design, conditions of work and other (numerous) ways. Today’s information technology has shown continuous development. Technology and HRM have a wide range of impact upon each other and therefore human resource professional should be eligible to adopt technologies that allow the re-engineering of the HR action, be prepared to maintain organizationally and work project changes caused by technology, and be able to maintain a proper managerial climate for innovative and knowledge-based organizations. HRM should be focused on the strategic objective and these strategic objectives are preparing information technology strategies to plan to fulfill the human resources strategies plan in the field of technology.
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how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
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They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
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They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
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In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
3. Introduction
FMCG include non-
durable goods such as
packaged foods,
beverages, over-the-
counter drugs and
many other
consumables.
Profit margin on FMCG
products is relatively
small, they’re generally
sold in large quantities
& is a classic case of
low margin-high
volume business.
FMCG sector is the 4th
largest contributor to
Indian economy with a
market size of more
than US$ 51.4 billion
in 2017.
Fast-moving consumer
goods or Consumer
Packaged Goods (CPG)
are products that are
sold quickly and at
relatively low cost
4. India’s FMCG Sector at a Glance
51.4 billion $India’s FMCG Market size in 2017
20.6%Indian FMCG market is expected to grow at a CAGR of
29.7 billion $Rural FMCG Market size in 2017
3.1%FMCG Sector’s Contribution to India’s GDP in 2017
103.7 billion $ By 2020 it is expected to reach
10. Introduction
Listed amongst the
most trusted &
valuable brands by
Millward Brown,
WPP Group
Estimated market share of
38% & annual revenues
in excess of 9000 Cr.
Britannia Ind. Ltd. is
an Indian food-
products corporation
with a legacy of over
100 years
5 million retail outlets
across the country and
a reach over 50% of
Indian homes
11. Timeline
Established with an
investment of ₹295
in Kolkata
Name changed
from Britannia
Biscuits Co. to
Britannia
Industries Ltd.
Voted in top 300 small
companies by Forbes
Global
Awarded the Global
Performance
Excellence Award by
Asia Pacific Quality
Organization
Entered a JV with
Chipita S.A for
manufacture and
sale of RTE Croissants
1892
1979
2000
2012
2017
13. Company Analysis
227%Increment in Shareholder’s Fund from 2012-2016
37%Increment in Current Liabilities from 2012-2016
88% Decrement in Non-Current Liabilities from 2012-2016
65%Increment in Current Assets from 2012-2016
103% Increment in Non-Current Assets from 2012-2016
14. Company Analysis
2012 2013 2014 2015 2016
Current Assets 857.98 826.09 860.06 1429.31 1417.39
Current Liabilities 979.26 1120.81 958.43 1202.45 1342.70
Current Ratio 0.88 0.74 0.90 1.19 1.06
Total Liabilities 1152.30 1332.71 990.98 1226.37 1367.10
Total Assets 1672.34 1883.47 1844.44 2461.99 3067.26
Debt Ratio 0.69 0.71 0.54 0.50 0.45
Total Revenue 5032.72 5670.96 6946.30 7263.52 8046.11
Total Assets 1672.34 1883.47 1844.44 2461.99 3067.26
Asset Turnover (times) 3.01 3.01 3.77 2.95 2.62
Total Debt 1152.30 1120.81 1844.44 2461.99 3067.26
Total Equity 520.04 550.76 853.46 1235.62 1700.16
Debt-Equity Ratio 2.22 2.04 2.16 1.99 1.80
18. Introduction
Revenues of over Rs
7,680 Cr & Market
Capitalization
of over Rs 48,800 Cr
Available in over 120
countries & it's overseas
revenues are over 30% of
the total turnover
India’s most trusted name
and the world’s largest
Ayurvedic and Natural
Health Care Company
Dabur was founded
in 1884 by
S.K.Burman &
Sidharth Burman
19. Timeline
Birth of Dabur:
Launches health
care products
Dabur becomes
a full-fledged
company: Dabur
India (Dr. S. K.
Burman) Pvt.
Ltd
Dabur India Ltd’s
turnover crosses the
Rs 1,000 Crore mark
Dabur makes its first
overseas acquisition
Market Capitalization
crosses the $5-Billion
mark
1884
1936
2000
2010
2013
21. Company Analysis
134%Increment in Shareholder’s Fund from 2013-2017
4%Increment in Current Liabilities from 2013-2017
372%Increment in Non-Current Liabilities from 2013-2017
4%Decrement in Current Assets from 2013-2017
263% Increment in Non-Current Assets from 2013-2017
22. Company Analysis
2013 2014 2015 2016 2017
Current Assets 1852.56 1969.85 1590.22 1834.16 1784.44
Current Liabilities 1158.54 1136.68 1064.69 1208.21 1207.00
Current Ratio 1.60 1.73 1.49 1.52 1.48
Quick Assets 1352.24 1411.65 1039.62 1218.60 1185.17
Current Liabilities 1158.54 1136.68 1064.69 1208.21 1207.00
Quick Ratio 1.17 1.24 0.98 1.01 0.98
Net Sales 6146.00 7073.00 7806.00 7851.00 7680.00
Net Working Capital 694.02 833.17 525.53 625.95 577.44
Wor. Cap. Turnover (times) 8.86 8.49 14.85 12.54 13.30
Total Debt 1232.84 1219.46 1179.56 1335.44 1557.97
Total Equity 1565.61 1902.34 2516.04 3094.29 3657.88
Debt-Equity Ratio 0.79 0.64 0.47 0.43 0.43
23. Company Analysis
Net Sales0
5,000
10,000
FY13 FY14 FY15 FY16 FY17
Net Sales
0 1,000 2,000 3,000 4,000 5,000
FY13
FY14
FY15
FY16
FY17
Shareholders Funds
0.00
2,000.00
4,000.00
6,000.00
FY13 FY14 FY15 FY16 FY17
Total Revenue
0
100
200
300
400
FY13 FY14 FY15 FY16 FY17
Income
27. Unilever set up its
first Indian
subsidiary,
Hindustan Vanaspati
Manufacturing
Company
Lever Brothers
India Limited
was
Incorporated
United Traders
Limited was set up
These three
companies merged
to form Hindustan
Lever Limited
The Company name
was formally
changed to
Hindustan Unilever
Limited
1931
1933
1935
1956
2007
Timeline
29. Company Analysis
142%Increment in Shareholder’s Fund from 2013-2017
5%Decrement in Current Liabilities from 2013-2017
10% Decrement in Non-Current Liabilities from 2013-2017
2%Increment in Current Assets from 2013-2017
35% Increment in Non-Current Assets from 2013-2017
30. Company Analysis
2013 2014 2015 2016 2017
Current Assets 7,569.99 8,852.47 9,263.55 9,552 9,411
Current Liabilities 7,655.86 8,603.84 8,782.82 6,652 7,202
Current Ratio 0.99 1.03 1.05 1.44 1.31
Quick Assets 5,043.00 6,104.94 6,660.87 7,024 7,049
Current Liabilities 7,655.86 8,603.84 8,782.82 6,652 7,202
Quick Ratio 0.66 0.71 0.76 1.06 0.98
Cost of Goods Sold 26,680 28,947 32,086 32,929 33,895
Average Inventory 2187.16 2637.26 2675.11 2565.34 2445
Stock Turnover (times) 12.20 10.98 11.99 12.84 13.86
Total Debt 1182.59 1117.51 1126.46 989 1059
Total Equity 2,674.02 3,277.05 3,724.78 6,279.00 6,490.00
Debt-Equity Ratio 0.44 0.34 0.30 0.16 0.16
34. Introduction
Major FMCG Co. due
to expansion of
product portfolio
40 brands with over 400
industrial and
consumer products
Name changed to PDI Ind.
after merger with
Kondivita Industries
Established as
Parekh DyeChem
Ind.
35. Fevicol was born
Pidilite
established as a
brand
Fevicol listed among
Top-15 Indian brands
Records 1000 Cr.
turnover
Awarded most
promising company
of the year
1959
1990
1997
2004
2016
Timeline
37. Company Analysis
110%Increment in Shareholder’s Fund from 2013-2017
118%Increment in Current Liabilities from 2013-2017
130% Increment in Non-Current Liabilities from 2013-2017
14%Increment in Current Assets from 2013-2017
39% Increment in Non-Current Assets from 2013-2017
38. Company Analysis
2017 2016 2015 2014 2013
Current Liabilities 3133.99 2148.24 1670.68 1641.6 1435.97
Current Assets 1022.41 961.44 958.04 885.92 896.64
Current Ratio 3.07 2.23 1.74 1.85 1.6
Current Liabilities 2413.13 1519.24 1029.64 1041.92 912.4
Quick Assets 1022.41 961.44 958.04 885.92 896.64
Quick Ratio 2.36 1.58 1.07 1.18 1.02
Sales 5298.65 5066.53 4681.45 3878.24 3331.69
Stock 720.86 629 641.04 599.68 523.57
Stock Turnover (times) 7.79 8.54 7.56 7.14 7.03
Total Debt 97.51 84.28 58.42 45.93 50.99
Total Equity 3470.91 2782.91 2270.58 1952.62 1651.53
Debt-Equity Ratio 0.03 0.03 0.03 0.02 0.03
42. Introduction
Nestle India is a
subsidiary of Nestle
SA, set up its first
factory in Moga &
has 8 factories in
India
Started trading in India as
The Nestle Anglo-Swiss
condensed company.
Ranked #33 on the 2016
edition of Forbes Global
2000 list of largest
public companies.
Nestle SA is a Swiss
Co. and is World’s
largest & most
diversified food Co.
43. Inception of Nestle
SA
Started trading
in India as The
Nestle Anglo-
Swiss
condensed
company
Nestle India’s First
factory in Moga,
Punjab
Latest factory in
Tahiwal, HP
Ranked #33 on the
Forbes Global 2000
list of largest public
companies
1905
1912
1961
2012
2016
Timeline
45. Company Analysis
68%Increment in Shareholder’s Fund from 2012-2016
43%Increment in Current Liabilities from 2012-2016
3% Decrement in Non-Current Liabilities from 2012-2016
120%Increment in Current Assets from 2012-2016
4% Decrement in Non-Current Assets from 2012-2016
46. Company Analysis
2016 2015 2014 2013 2012
Current Liabilities 16,327.00 14,816.00 13,554.50 13,471.80 11,387.30
Current Assets 32,789.90 24,854.80 19,636.70 23,017.20 14,901.20
Current Ratio 2.01 1.68 1.45 1.71 1.31
Current Liabilities 16,327.00 14,816.00 13,554.50 13,471.80 11,387.30
Quick Assets 23,358.10 16,646.70 11,195.70 15,657.90 7,445.40
Quick Ratio 1.43 1.12 0.83 1.16 0.65
Sales 91,592.80 81,232.70 98,062.70 90,619.00 83,022.60
Stock 9,431.80 8,208.10 8,441.00 7,359.30 7,455.80
Stock Turnover (times) 9.71 9.9 11.62 12.31 11.14
Total Debt 21,595.70 17,868.90 16,268.40 25,983.40 22,267.80
Total Equity 30,018.70 27,896.20 28,291.00 23,588.10 17,915.60
Debt-Equity Ratio 0.72 0.64 0.58 1.1 1.24
51. Porter’s 9 Forces
Supplier’s
Bargaining
Power
Threat of
Substitutes
Threat
to/of New
Entrant
Political
Shift
Buyer’s
Bargaining
Power
Economical
Shift
Socio-Cultural
Shift
Technological
Shift
Industry
Competition
53. Growth Rate: Past & Future
Expected to grow at a
CAGR of nearly 21%
between 2016 and
2020
Rural market is
estimated to grow at a
CAGR of 14.6% during
the period 2016-2025
Penetration of modern
retail is expected to rise
at a CAGR of 24.6% by
2020
Over the last decade
grown at an annual
average of 15%
Fluctuations due to
inflation, demonetization
and GST from the past 3-
5 years
Latest growth figure
was 5.1 % in the urban
market and 6.9% in
the rural market
Growth Rate in the Past Expected Growth Rate
54. Effect of Demonetization & GST
01
The sales growth in value terms decelerated from a
high of 9.9% in October’16 to around 3% in the rest
of the quarter.
02
20-40% fall in sales of biscuits, salty snacks,
shampoos and washing powders while sales of
refined oil, beverages and packaged tea fell about 3-
4%
Effect of Demonetization on FMCG Industry
01
The total current tax rate for the FMCG industry was
around 22-24% under GST, the tax rate comes to an
average of 18-20%
02
Higher tax rates for shampoos and detergents
impacted the firms negatively as these products
are mass consumption items and are used daily.
Effect of GST on FMCG Industry
55. Revision of Tax Rates after GST
Product Pre GST Post GST
Soaps 27% 18%
Hair Oils 27% 18%
Sugar Confectionery 21% 18%
Toothpaste 27% 18%
Toothpowder 17% 12%
Wheat 2.5% 0%
Rice 2.75% 0%
Unbranded Flour 3.5% 0%
Mineral Water 27% 18%
Vegetable Oils 6% 5%
Milk Powder 6% 5%
Sugar 6% 5%
Tea 6% 5%
*CST, Octroi, entry tax has not been considered in the pre-GST rate
56. Comparison of Industry & Company Ratios
Ind. Avg. Pidilite Nestle Dabur HUL Britannia
Current
Ratio
1.90 3.07 2.01 1.48 1.31 1.06
Quick
Ratio
1.19 2.36 1.43 0.98 0.98 0.48
Debt-
Equity
Ratio
0.46 0.03 0.72 0.43 0.16 1.80
Stock
Turnover
(times)
8.49 7.79 9.71 8.83 13.86 13.96
58. Conclusion
Lorem ipsum dolor sit amet, duis
eu. Metus tortor. Eu ut lorem, est
sodales amet.
This sector will continue to see growth as it depends on an
ever-increasing internal market for consumption, and
demand for these goods remains more or less constant,
irrespective of recession or inflation.
Availability of key raw materials, cheaper labor costs and
presence across the entire value chain gives Indian FMCG
industry a competitive advantage.
Penetration level as well as per capita consumption in most
product categories like jams, toothpaste, skin care, hair
wash etc. in India is low, indicating the untapped market
potential.
Increasing Indian population, particularly the middle class
and the rural segments, presents an opportunity to makers
of branded products to convert consumers to branded
products.
