Business:
Ethics, Governance & Risk
1.
Corporate interest in surveillance seems to be on the rise. A 2018 survey by
Gartner found that 22% of organizations worldwide in various industries are
using employee-movement data, 17% are monitoring work-computer & smartphone
— usage data, and 16% are using Microsoft Outlook- or calendar-usage data. In
the name of security video surveillance at workplace has become a way of life.
(You can refer to chapter 9 & 10 to understand the scope of the questions).
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What
according to you are the five key reasons for the firms to monitor employee’s
technology usage? Is business being responsible at workplace if it does so?
Give reasons for your answer.
2.
You see advertising for product and services everywhere you turn. It is a paid
promotion that uses strategy and messaging about the benefits of a product or
service to influence a target audience’s attitudes and/or behaviors. With
intense competition due to globalization, it is not enough to create awareness
but top of the mind recall. (You can refer to chapter 4 and answer the
following question).
Briefly
explain any three instances or scenarios when advertising becomes unethical.
What are your reasons for thinking that they are unethical?
3.
A whistle-blower alerted a financial institution via the Deloitte independent
facility that cheque fraud on a specific account was going to take place later
the same day. The same account had been used for fraud amounting to over Rs
80,000. The extremely agile financial institution was able to put an alert out
to their branches and was able to prevent further fraud of about Rs. 27
million. (You can refer to chapter 7 and answer the following question).
a.
What according to you are the three critical ethical reasons that lead to an
employee becoming a whistle blower?
b.
Globalization drives the marketplace and world economy today. Identify and
explain any one negative or unethical impacts of globalization on society and
one negative or unethical impact on environment. (You can refer to chapter 1
& 2 to answer this question).
Sales
Management
1.
Pricing plays an important role in selling a product in the market and to build
up Brands, please help a company selling soaps and shampoos to frame their pricing
policy keeping in mind their brand positioning. Support the answer with
examples
2.
What is your understanding of the qualities of a sales executive , how does a
effectives sales executive contributes to increasing market share for a
company?
3.
CASE STUDY — Maggi noodles
Case
: Maggi Noddles
Maggi
Noodles was launched in 1982 by Nestle India Limited as ‘Maggi 2-Minute Instant
Noodles’ under the prepared dishes category. Since then, Nestle has stood its
ground firmly in India, by setting its foundation as a well-known brand
offering solutions to customers’ wants in different segments.
Maggi
noodles is one of those brand names for which the quote “I came, I was, I
conquered’ is apt. The brand replaced favourite Indian desi snacks such as
Samos’s and kachoris with a hot bowl of Maggi Noodles.
Maggi
used the tagline of ‘fast to cook, good to eat’ to woo Indians in the early
eighties. Maggy understood the consumer’s inertia and apathy to try new things.
Indian consumers, at that time, were exhibiting interest in Chinese noodles,
and Maggi launched its noodles to take advantage of this craze. It offered
convenience to the housewife and at the same time did not undermine her
involvement with the kids. The masala flavour, made its way in to the minds of the
consumers and Maggi found a place in the monthly budget plan of a household.
The
use of brand elements such as its tagline ‘Fast to cook and good to eat’ and
its catchy jingle, ‘Mummy bhook lagi hai’ (Mummy I am hungry) helped in
positioning the brand in the minds of its customers Maggi targeted mothers with
the convenience it offered and children with the fun element. The advertising
campaign was followed by promotional activities such as trial pack distribution
in schools.
a.
Outline the journey of Maggi in retaining its Brand position in India
b.
How does the advertising campaigns and brand elements help the product in
retaining market share?
Services
Marketing
1.
Fat Burger an international Burger fast food chain plans to enter India by
start of 2021. They are considering the Franchising model to enter India but
are clueless about its features, advantages, issues. Can you guide them with
regards to the same?
2.
A new food and grocery startup is planning to start multiple application based
services in 10 major cities of India. One would be dealing with grocery, one
with fresh foods like vegetables & fruits and one with home delivery of
food from small home kitchens to offices. They are confused as what strategies
to use to brand these applications. Can you explain to them the 4 broad
branding alternatives and which one would suit them the best?
3.
In wake of the recent outbreak of Corona Virus, most of the world today is
stuck indoors. One of things being missed by most is Access to the gymnasium as
they are shut and being at home, diet plans for most of us have gone kaput. You
as someone who is fitness conscious is stuck up and would like to look for
alternative Services which can help you exercise and maintain your fitness
levels at home.
a.
Explain the steps involved in the Service Consumption Model?
b.
Suggest the steps that you would go through for finding this service
alternative to a Gymnasium? Use the Service Consumption model for structuring
your answer.
Marketing
Research
1.
As a researcher, you need to study how many Apna Bazaar stores in Mumbai sell
Dabur Honitus brand. Which non-probabilistic sampling method would you use to
complete your research? Also state the reasons behind choosing that method.
Also explain as to how you will proceed ahead with choosing the areas /
localities in Mumbai to conduct your research along with timelines.
2.
You are the Head of a Market Research Organization. Your client Jio wishes to
introduce 5G services in India beginning Jan 2021. Your client wants to
understand what customer expectations are w.r.t Jio services on 5G. Draft a
Questionnaire containing not more than 20 questions that would succinctly
address the query posed by the client.
3.
You have been recently appointed as a “New Product Development” Head for Nestle
Kit Kat which operates across India. You have been asked to develop 2 new
innovative products as part of their Menu.
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a.
Explain the process in detail to arrive at the creation of your 2 new products
b.
Is there a need to conduct Test Marketing post creation of the 2 innovative
products? If Yes or No, state your reasons to support your answer.
Financial
Institutions and Markets
1.
Mr. Ravi Shankar wants to invest and trade in stock market. However, he is
completely unfamiliar how to go about it. He approaches you, a wealth advisor
in the bank Mr. Ravi Shankar has his savings account, to seek guidance on the
various modes through which he can participate in the stock market and category
of instruments that he can invest. Advise Ravi accordingly.
2.
Ritesh has recently joined an investment management company and his is given
the responsibility to look after the money market instruments. His manager in
order to estimate his understanding of the market, asked him to prepare a
report on the instruments of the market. Suggest which instruments of the
financial market should be included in his report.
3.
ABC Corp. Limited is engaged in manufacturing garments in India since 1950. The
company has been catering to the Indian market till now. As part of the
company’s growth strategy, the company would like to extend the markets for its
products to other countries. However, the company’s promoters lack awareness
and expertise in understanding and managing the fluctuations related to foreign
currency.
Mr.
Jiwan Kumar, the CFO of the company, has been asked to make a presentation to
the board specifying the following:
a.
Key economic parameters/developments that influence the movements in foreign
currency.
b.
Options available with ABC Corp. to manage/mitigate the forex risks
International
Finance
1.
You are given the following interest rates.
TABLE
BELOW
Rs.
$
3-
months
12%
6%
6-month
11.5%
5.5%
9-month
11%
5.0%
The
3-month forward rate is Rs. 75/$. Calculate the 3-month forward rate 6-months
from now.
2.
Suppose that the exchange rate for U.S. $1 for another currency is such that
U.S. $1 = 3.5 ARS (Argentine pesos). Further suppose that if the exchange rate
remains the same, you will receive a 25% return on your investment in ARS
currency over the next year’s period. As an investor, you are aware of the
volatility in Argentina’s currency exchange so sudden movements are expected.
If
the exchange rate were to change such that $1 = 50 ARS, what return do you
expect on the investment? If the exchange rate were to change such that $1 = 2
ARS, what return do you expect on the investment?
3.
Groucho Marx, as Governor of Freedonia’s central bank, has problems. He sees
the value of his currency, the FDK, under constant attack from Rosor, a wealthy
mutual-fund manager.
Apparently,
Rosor believes that the FDK will soon devalue from GBP 1.000 to 0.950.
a.
Currently, both GBP and FDK interest rates are 6% p.a. By how much should
Groucho change the one-year interest rate so as to stabilize the spot rate even
if Rosor expects a spot rate of 0.950 in one year? Ignore the risk premium —
that is, take 0.950 to be the certainty equivalent.
b.
If the interest-rate hike also affects Rosor’s expectations about the future
spot rate, in which direction would this be? Taking into account also this
second-round effect, would Groucho have to increase the rate by more than your
first calculation, or by less?
International
Logistics & Supply Chain Management
1.
A pharmaceuticals company Dexter pharma is based in India and is a developing
brand. The company is exploring international opportunities for which they have
orders for their products in the European countries. Explain the strategic
approach related to international logistics and supply chain for successful
order execution, processes followed and building a strong reputation in the
market
2.
The company named Healthy foods is into confectionary business focusing on
sugar free products. The company want to set up the business outside India by
launching its products in potential Australia. What is the approach strategy
that the company would employ for the successful product launch? Develop an
entry plan and analyze the right logistics and SCM strategies which can enhance
the service quality with on time availability and generating good market share
of the company.
3.
A passenger car company is a strong brand from Japan. The company is in the
domestic Indian market and has gained good brand recognition by its innovative
designs and multiple brands and variants being offered. It has orders from
Russia and the exporting of the cars will be from India manufacturing plant.
The order quantities differ as per variants and brands.
a.
Work out a logistics plan and routes how it must ship the products and what
elements of importance it should consider while doing so like containers and
packaging.
b.
What kind of production planning and pricing patterns it need to implement and
the supply chain strategies to be followed?
Project
Management
You
are evaluating two project proposals. Project A will need investment of Rs. 10
lac in one year from now. It will return Rs. 3 lac in first year, Rs. 4.2 lac
in second year and Rs. 6.8 lac in third year. Project B will need investment of
Rs. 8 lac in one year from now. It will return Rs. 4.2 lac in first year, Rs.
3.5 lac in second year, Rs. 2.4 lac in third year. Which project will you
select? Please use NPV method.
2.
You are about to launch a marketing campaign project that has half a dozen
tasks such as Perform Market Research, Define Channels of Distribution, Design
Marketing Campaign, Gain Budget Approval, Evaluate Marketing Goals, and
Mobilize Team. There are many stakeholders in this project such as market
research department heard, accounts head, HRD head, CEO, CFO, CMO, etc. Please
prepare a RACI table for this project. Please make suitable assumptions,
wherever needed. What is the topmost benefit of using RACI table in this
project.
3.
“Finally it is ending. I feel so relived.” Priya was talking to her colleague,
Satish. She was referring to the software development project that she was
managing with the assistance from Satish. “Yes, but we still need to prepare
the transition plan and face the post-closure audit, among plethora of small
activities.” Satish commented. He was too much irritated with a lot of small
activities that are needed to be closed as the project closure was nearing.
“Yes, let me focus on transition plan and audit while you please meticulously
close all the loose ends.” Priya quickly divided the labor between two of them!
a. What the transition plan will contain?
b.
What would post-closure audit include?
Brand
Management
1.
First impressions matter and when you visit a supermarket, that becomes more
important. You see the shelves loaded with multiple products and usually if the
packaging is eye catching, then you are drawn to it and may even think about
trying the product. Clearly packaging encourages purchase. Brian Wansink was
fascinated by it and what were his findings?
2.
Joanie wants to open a new store location 100 miles from her existing shop.
Which of these strategies is she considering? Explain Ansoff’s Growth Matrix
completely with this example
3.
Mother Dairy Fruits & Vegetables, a company with a billion-dollar (Rs
4,200-crore) turnover, has been a well-established player in NCR known for
products the firm has been largest seller of milk in NCR, with 65% of the
revenue being contributed by milk. Amul entered Delhi market few years back and
in 2011 with in a span on 4years it
defeated
mother dairy in terms of market share. Amul procures fresh milk and packages
it. Mother dairy adds powder milk in its products to the tune of 40% . This
spoils the taste of the product. Also Amul is credited with more awareness and
knowledge about its products amongst consumers. Amul is a leader in the ice
cream segment of the country . Their capacity to develop products and gain
market leadership helped them gain substantial share in the NCR region in the
milk segment raising question marks on the brand equity of the company. Mother
Dairy has been market leader in NCR for 35 years. Losing ground to Amul in 2011
in the milk segment is forcing company to rethink its strategy. They plan to
increase their capacity and also expand procurement of the milk. One of the
regions why
consumer
shifted to Amul has been difference in the taste of the milk. Amul milk is
fresh where as a portion of Mother dairy milk is reconstituted. Mother dairy
sells through its own outlets and home delivery is not possible whereas Amul
used channel and home delivery of the milk is possible. Mother dairy milk price
has been less than the price of Amulmilk, still a huge number of mother dairy
loyals moved to Amul. Now Mother dairy is restructuring its strategy and
systems to combat Amul.
a.
What would you suggest to Mother Dairy for its revitalization plan?
b.
What more challenges you foresee for the brand?
Consumer
Behaviour
1.
Enumerate the steps in a consumer’s decision-making journey for the following
situations.
A)
You have decided to run the marathon next year and have started diligently
training for it. You think investing in a high-end fitness band will keep you
motivated and help
you
monitor your progress. Being a complete newbie to fitness, you don’t have much
of an idea about brands, features, pricing, important criteria, etc.
B)
You currently use Saffolo cooking oil since you saw your mother using it too.
After years of using Saffolo, your needs have changed. With the recent trend of
healthy, cold-pressed, organic cooking oils you decide to switch to another bra
2.
What is Innovation Adoption? Who are the different adopter categories as per
the Innovation Adoption Curve? What are the 5 product features that affect
adoption of an innovative products, explain with examples.
3.
In context of Consumer Learning, explain the following behavioural theories:
a.Classical
Conditioning
b.Instrumental
Conditioning
Customer
Relationship Management
1.
Formulate a mission statement for your organization using the Ashridge model.
2.
How does the segmentation criteria and technique proposed by Kotler in 2003
facilitate relationship based marketing?
3.
You are a subject matter expert in CRM and you have to give the key note
address on a webinar during COVID pandemic to your customers and competitors on
‘The Future of CRM’.
a.
What aspects will you include in your keynote address that will impact the
future of CRM?
b.
If an audience members asks you how do you foresee the continuation of the
journey, how would you respond?
International
Marketing
1.
The concept of Management Orientations in International Marketing can be very
confusing. As a consultant for International Marketing, can you please guide
and explain the orientations to a consortium of companies?
2.
Pasta Mania, a Singapore based fast food chain plans to enter India by end of
2021. They have hired your company as the Local consultants to understand India
better. Can you guide them on the cultural and social factors that they need to
take care of in order to succeed in the Indian market?
3.
These times of crisis have brought about a lot of innovation in the world. Most
innovations have been in the context of doing things or running services
without Human Touch so as to maintain Social Distancing to prevent the COVID
virus from spreading.
a.
As a representative of the marketing department of your company, you would want
your team to understand the adoption process of Innovations in detail before
pushing one in the market. Can you explain the same to them with examples?
b.
Can you also explain the various adopter categories to them with examples?
Marketing
Strategy
Amul,
the market leader in the Indian milk industry, has pioneered several
progressive initiatives and stayed current with consumer trends through
continuous product development. A rise in health issues among the urban
population in India and increased interest in fitness had led Amul to plan the
launch of camel milk in India by the end of 2015.With camel milk being hailed
as ―white gold‖ and touted as the latest superfood in Australia and the West,
Amul is considering whether to launch the sale of camel milk in India. No
company in India has yet tapped into the camel milk market; therefore, Amul
would have a head start in this unexplored segment. With product approval from
the Food Safety and Standards Association of India still pending, industry
observers wondered whether camel milk could be Amul’s next big opportunity
after the success of its long- life milk brand, Taaza. Should Amul launch the
sale of camel milk in India?
The
Indian milk industry
India
had been the largest dairy-producing country in the world since 1998, expecting
the demand to reach 200 tonnes (t) by 2022. The milk industry was dominated by
an unorganized sector of 70 million households producing milk. The per-capita
availability of milk in India was 302 grams per day in 2013.With increasing
domestic demand, the per-capita availability of milk has reached 336 grams per
day by 2017. Urbanization, busy life, nuclear family, Indian eating habits and
westernization all have together fuelled the need of milk and its products.
The
Gujarat Cooperative Milk Marketing Federation (GCMMF) was a food
product–marketing organization based out of Gujarat in west India. It was one
of the few Indian companies with a pan-Indian presence. The company marketed
almost all of its products under the flagship brand, Amul, and had a large
product portfolio in key categories such as dairy and its associated products —
butter, ice cream, cheese, cream, yogurt, oils, and fats. The milk category
accounted for the largest portion of the company’s revenues.
Marketing
Mix of Amul
Amul
catered to a large segment of the Indian market with a wide product portfolio,
and regularly introduced new products to the market over the years. Amul’s wide
product range included milk, bread spreads, cheese, ultra-high temperature
(UHT: a processing technique which kills bacteria) milk, a range of beverages,
ice cream, paneer (cottage cheese), yogurt, ghee (clarified butter), milk
powders, fresh cream,
chocolates,
and traditional Indian sweets. Amul Butter is as big as INR 200 billion and has
a dominant market share. In 2014, Amul Creme Rich was launched in the ice cream
category and was positioned as a premium ice cream to compete with Hindustan
Unilever’s new launch, Magnum. Other new launches included Amul cheese spread
in nine new flavours, and Amul garlic and herbs butter spread.
Amul
entered the market with the goal of providing dairy products to consumers at
affordable prices at a time when the Indian dairy industry was highly
unorganized and lacked a national competitor. Amul had maintained its strategy
of providing its products to consumers at reasonable prices, which kept Amul at
the top in this competitive markets comprising international brands like Nestle
and Mondelez.
With
a focus on supplying all of India, the Amul built an extensive distribution
network with 56 sales offices, 10,000 dealers, and 1 million retailers across
the country.29 The Company handled the distribution of its products through
self-run retail outlets and third-party retailers. To increase market penetration,
the company strengthened its distribution network over the years to extend its
reach — even into parts of rural India that were not easily accessible. Apart
from brick-and-mortar retailer various online retailers (such as Vishal Mega
Mart, BigBasket, and AaramShop) also sold Amul’s products, adding yet another
channel for Amul to supply even more consumers.
Amul
is identified by its mascot, the polka-dotted Amul Girl. Amul monitored current
events and used the Amul Girl in different ways to communicate the company’s
interpretations of various subjects.
Major
competitors
Mother
Dairy: Mother Dairy, a wholly owned subsidiary of the National Dairy
Development Board, was established as part of Operation Flood in 1974. It
manufactured
a wide array of products, including milk, ghee, paneer, ice cream, and other
associated products. The company reported a revenue of ₹70 billion for 2014/15,
which represented an 11 per cent growth over the previous year.
Britannia:
With a history of more than 100 years, Britannia was amongst the oldest
companies in India. Starting in the baked goods industry, Britannia sold a
range of food products through more than 3.5 million retail outlets all over
India, and in 2014/15, had revenue of over ₹60 billion. The company produced a
wide variety of dairy products, including milk, cheese, and flavoured
drinks.Profits from the company’s dairy business, which comprised less than 5
per cent of total sales, plummeted 69.5 per cent from ₹350 million in 2013, to
₹106.7 million by the fiscal year-end in 2014.
Nestle:
One of the biggest companies in the world, Nestle had operations in almost all
countries. Nestle Dairy started in India in 1961, with a plant in Moga, Punjab,
collecting 511 kilograms of milk. In 2015, the company collected over 1.3
million kilograms and produced milk and milk products to supply all of India.
Milk and nutrition products, as a category, was the largest contributor to
Nestlé’s revenues in India. It accounted for 47.1 per cent of the company’s
revenue in 2014.
Consumer
Evolution
The
Indian milk industry grew by 15 per cent in 2014 to reach ₹603 billion.44
Trends showed a switch toward more health-conscious options, largely driven by
the growing urban population. Consumers focused more on a protein-rich diet,
relying on milk as an easy option. The first effect was a move from traditional
loose milk to packaged milk. Consumers in urban India switched to the new UHT
and flavoured milk options, while the majority of rural customers moved to
packaged milk. UHT was safer and could be stored for longer, hence eliminating
the need for regular purchase. While traditional can milk delivered by the
local milkman is still common in Tier 2 and Tier 3 cities (cities with
populations between 20,000 and 100,000), distribution in the big metro cities
veered toward the easily available new UHT and other modern milk products.
Flavoured milk saw the fastest growth in the milk category, with a value of 26
per cent in 2014.
Camel
Milk
Camel
milk, a by-product of camel breeding, was consumed primarily by herdsmen and
their families, especially during migration. The average daily yield of a
lactating camel was 2.5 to 6 kilograms. The camels were milked twice a day.
Camel milk, which was dense white in colour, had a sweet and sharp taste, but
could also taste salty. The water content of camel milk fluctuated between 84
to 90 per cent. Changes in taste were attributed to the type of fodder and the
availability of drinking water. Factors considered important when rating the
quality of camel milk included the age of the animal, the stage of lactation,
the quality and quantity of feed, and the amount of water available during
animal feeding. The taste of camel milk was drastically different to the taste
of full-fat cow’s milk, making it difficult for many consumers to adapt to the
taste. Camel milk was proven to contain three times the amount of vitamin C
found in traditional cow’s milk and one and a half times that in human milk. It
was also a good source of vitamin B1 and calcium. Lower fat content and the
presence of anti-bacterial properties also made camel milk more beneficial than
cow’s milk. In addition, camel milk was more similar to human milk than cow’s
milk. India was at the risk of becoming the diabetes capital of the world by
2025, with rapid globalization and lack of precautionary measures identified as
the leading causes of diabetes in the country. Analysis of camel milk showed
that it contained 52 micro units of insulin per millilitre, which was 60 per
cent more than the average external insulin required by Type 1 diabetic
patients. Camel milk’s natural probiotic properties made it easy to digest, and
it could be consumed by lactose-intolerant people. Preliminary evidence had
also shown that camel milk was an effective antioxidant.
There
was a drastic drop in the camel population in India from 500,000 in 2003, to
300,000 in 2013. If this trend continued, local sourcing of camel milk would
prove to be a factor in competitive advantage; hence, the drop in camel
population was seen as a problem that needed urgent attention. Yet only a few
locations in India had the resources to sustain large herds of camels.
As
a marketing and brand head of GCMMF, you are planning to launch the camel milk
in India. Answer the questions below with respect to the content above and
context of India.
1.
Draw a 9 matrix (Mckinsey GE) cell to identify and explain the attractive
segment which Amul Camel milk should target, drawing inferences from the case
2.
Identify a strong brand positioning for Amul’s camel milk that can increase its
resonance with the consumers.
3.
“Though the product, Camel milk is pioneering in India but milk as a category
is very much a matured product with AMUL being a market leader. Strategies for
the camel milk be it traditional or online, needs to be crafted for a WOW
experience.”
a.
Design traditional strategies to comprehend the sentence.
b.
Design Marketing 4.0 strategies to comprehend the sentence
Integrated
Marketing Communication
1.
Looking at the market requirement, you have started providing pre-packaged
Fruit and vegetable baskets for delivery in Mumbai. Describe the 4 P’s for your
brand
2.
Check out the 2 Minute video A tale of 2 Blends from Red Label. Describe the 7
elements of communication for this message. Explain how would you use it to
explain the Murphy’s model of communication.
Video
Link: https://www.youtube.com/watch?v=Wv6lDB_6Ls0&feature=emb_logo
3.
Case Study
‘Plan
your holiday’ targeting to double their market share
You
are Brand Manager at PYH and have been given a target to double the market
share in 3 years. (Pre-covid)
a.
How would you use IMC to promote your brand?
b.
How would you leverage Influencers to promote your brand?
B2B
Marketing
1.
A business marketer (who is a potential supplier) is keen to supply cold-rolled
(CR) steel coils to a major passenger car manufacturer, who has been buying the
same material from three other suppliers on regular basis for the past few
years. As per the purchase policy, the car manufacturer cannot buy any material
from more than three suppliers. What should the business marketer do to supply
CR steel coils to the major passenger car manufacturer?
2.
Suppose you are working in a courier services company, which is ranked fourth
in the domestic Indian market in terms of market share. Your company management
thinks that one of the ways to improve sales & profit performance, as well
as the company’s market share, is to implement the concept of Integrated
Marketing Communications (IMC). You are asked to prepare a proposal indicating
the objectives, strategies & challenges in implementing the IMC.
3.
Read the following Case & solve the questions given:
When
SS Electroplating Company started the electroplating operations in a
residential location in Bengaluru, it received a notice from the pollution
Control Board to install the effluent treatment plant within 15 days, failing
which they would seal the plant.
The
Director of the company collected the information that it would cost about
10,00,000 to buy an effluent treatment plant, an area of about 600 sq.feet to
install it over a period of 2–3 months, & running cost of about 40,000 per
month for the purchase of material like costic soda & others. The effluent
contained nickel, synide, cromium, cadminum & zinc, which were to be
treated separately using different chemicals. After effluent liquid of about
800 litres per day was treated, the sludge was to be dried, packed, stored
& dumped in a government notified place. The entire process would not only
cost substantial amount, but also would need additional area of about 600–700
sq. feet
The
company gathered information that some of the competitors outsourced the
effluent treatment to government approved agencies, who collected the effluent
liquid from these chemical & electroplating factories, & treated (or
neutralized) the chemicals at their effluent treatment plants. These agencies
charged 10 to 15 per litre for the treatment of effluent liquid, depending on
the type of chemicals. The cost of outsourcing was considered much higher
compared to in-house effluent treatment plant. However, SS Electroplating
Company, like many other chemical & electroplating factories did not have
additional area for the installation of effluent treatment plant.
The
Director was aware that the liquid waste from the factory would have harmful
effects on the surrounding residential area. He also could not violate the
Government regulation on environment control. The director had very little time
— two weeks — to decide & act.
a.
If you were the Director of the company, what would you do & why?
b.
Should all companies in this industry come up together as to save cost? Provide
your suggestions.
Retail
Store Design and Location
1.
Which are the important factors which you should consider while setting up a
store and why?
2.
What are different types of retail formats? If you were to start a store of
your own which product would you choose and how would you go about setting up
your store?
3.
Case Study
Brand
handloom gets the e-commerce stamp
Over
the past week e-commerce behemoths Flipkart and amazon have announced a slew of
alliances all with an unlikely set of partners — weavers associations,
government ran artisan cooperatives and NGOs working with handmade and handloom
products. Packaged as an initiative to mark handloom day August 7, Flipkart Christian
its project, samarth and Amazon launch its karigar store online for both,
however, this partnerships are more than just another opportunity to ramp up
the numbers on their platforms semicolon they are strategic branding tools to
as both look to write the growing trend for sustainable fashion, among high
spending urban consumers in the country. Sustainability is a global trend, as
is the pressure to go local with the supply chain and the two are cashing in on
the opportunity presented by the country’s stockpile of traditional weaves and
products. they are also taking a leaf out of the book of small handloom market
places and seller groups that have mushroomed online.
Handloom
and handicraft buyers are urbane, digitally savvy and aware of the huge benefit
that market linkages could provide the community of artisans. They are also
keen to make their purchases count — for the environment and for weavers and
artisans. This is an insight that almost every online handloom brand has
leveraged to expand its footprint and recall. Many online influencers (also
users and sellers of such products) emphasize the Weaver-market connections.
Consider for instance visual Lakshmi chhabra, who has 20,000 followers and
endorses handlooms from Orissa. The former AIR presenter and DG of doordarshan
uses the state’s history and tradition around its ways to spread the word, old
is highlighting the community responsible for the final product. Dubai based
blogger isha Priya Singh (60000 followers) promote weaves from Lucknow and educates
people on the different styles followed by different weavers.
On
the ground involvement is important for buyers to buy into the claims made over
handloom. Hand Flipkart made sure that it mentioned the file non-governmental
organization that it has partnered with and that the move will help artisans.
Flipkart samarth, the announcement explained, has been designed to support
artisans.
“Through
the five partners that we have already on-boarded, we are already connected to
30,000 artisans, we are in talks with many, many more as the scale this
further. This 30000 sellers will create a few million jobs.” said Kalyan
krishnamurthy, CEO Flipkart during the launch. Amazon said that Amazon karigar
showcases over 55000 products including 270 plus unique arts and crafts from 20
States. This Program has been merged with an existing program called Kala haat
which already interfaced with artisans. “through the karigar program, we are
engaging with government and handicraft bodies across the country, training craftsman
to embrace online selling and enabling them to sell a wide consumer base,” said
gopal pillai, vice president, seller services, Amazon India. Karigar is an old
program (but the E store is new) and the company said that the average sales by
weavers on Amazon karigar has increased fourfold over the past year. The ties
between the weavers and sellers have been the focus on brand building by
smaller platforms that have proliferated in this space. Run down the social
media timelines of Gocoop, gaatha, weavesmart, Lal10 among many others and
across the board, access to weavers and artisans is the big selling point. The
Benefit of associating the brand with those who make the products is twofold
same marketing experts. Not only do they win the approval of young consumers
who want their brands to align with the right causes, it also helps cement the
supply chain by winning over weavers and associated groups.
However,
just connecting the artisans to the consumer isn’t enough. Protecting the art
and livelihoods of the artisans from purveyos of fake, look alike and pirated
product is a pressing concern, points out maneet gohil, co-founder and CEO,
Lal10 a B2B handloom market place. “policy level decisions that would bring
handloom weaving back into the mainstream are a stringent geographical
indication implementation legal framework by the government and accessible raw
material depots for weavers, with the chance of securing credit lines for
orders, among others,” noted Gohil. he have a long wishlist for the sector, but
until that happens, he and other platforms hope that the band of social media
influencers will push the card on reforms, as they have done with demand.
Introduction
to Retail
1.
Citing from your own practical experience, what are the various factors that
are important in the retail scenario for a store of supermarket to succeed?
2.
How would you go about starting your own business which would be an exclusive
potato chips store and ensure its success?
3.
Case Study
The
remaking of Brand Maggi
From
being safe for consumption top a healthy snack, Nestle has firmly turned the
brand narrative away from the promise of a „two-minute‟ quick fix.
Loop
back to some of the old ads that Nestle ran for Maggie in India. Hungry
children impatiently drumming the table, college goers looking for an easy
snack, star endorsers advising stressed mothers to avoid the kitchen grease
without compromising on taste. Cut to the present Maggi is a healthy meal, one
that is easy to dish out say the ads. Another launches a vegetarian variant,
with the ad lingering over farm fresh carrots. In its second coming since the
ban (2015), Brand Maggi has steadily moved the needle on its promise. From
being safe to a healthy-in-between meal, the brand is a long way away from the quick
and easy snack for kids that it started out as.
Last
year, Nestle India introduced a campaign that positioned Maggi as a healthy
snacking option for all — kuch accha pak-raha hai (something good is cooking),
the ads said. The target audience young professionals who want health handed
out on a spoon.
According
to Maarten Geraets, general manager, Nestle India, “Our consumers are seeking
more information than ever before. “The early years were all about showcasing
the brand‟s safe processes, from factory to retail and then came the time to
rebuild the brand for a new age.
And
after growing its volume uptake by 14.5 percent during the year, in 2019,
Nestle has added more layers to Maggi‟s healthy for adults‟ story. New, spicier
variants are on the shelves and Maggie spices has actor endorser Juhi Chawla
talking up its goodness (taste and authencity).
Alongside
the product launches, has come “first cook” campaign that was launched in May.
It targets young adults stepping out of home for the first time.
“From
countless consumer conversations, we learnt that cooking Maggi noodles is often
the first culinary moment for many people. For 36 years (the number of years
the brand has spent in the country) moms have cooked it. This time, we found
magic in a teenager trying to cook it for the first time,” said Nikhil Chand,
vice-president Foods and Confectionary, Nestle India.
The
repositioning has borne fruit. In the first six months of the year, Maggi‟s
volume sales grew 13 percent to 124200 tonnes. It not only surpassed the volume
uptake of the pre-ban years, it is now growing faster than it did before in
2015.
During
the Amazon Prime Day last month, according to Chand, Maggi led the sales in the
„grocery and gourmet‟ section and accounted for an equivalent of 250000 single
units in sales.
“This
is the highest ever sale over a two day period of any Maggi noodle variant unit
on an e-commerce platform and surpasses what we had achieved while relaunching
the brand in 2015.” He said.
Brand
Maggi has come out all guns blazing in the years since the ban. Forced to face
up the crisis that could have lost its biggest market, the company had to
redefine its brand promise without diluting its identity. Interestingly, its
predicament was much like that another British iconic brand found itself in, in
2008. James Bond, his influence waning and the profitability of the empire that
had been built on his name threatened, its owners sought a radical solution.
Daniel Craig was brought on-board as Bond, much to the consternation of
hand-writing loyalists.
A
decade later, however the scepticism is gone and Craig has managed to deliver
the most successful movies for the series. Whether the team at Nestle ever discussed
the fictional hero‟s travails in their boardroom is not known. But Bond-like,
Maggi too has transformed itself in a manner that would have been quite
unthinkable, three decades ago when it started out in the country.
a.
What is the target audience of Maggi? What has changed in the new Maggi ?
b.
Why has Maggi targeted young adults? What variants would you expect in this
segment where the stress levels are maximum today?
Merchandising
Management
1.
How will you use the sales technique in the form of short term effort to
increase the sales in your cake shop?
2.
What form of trade shows do you suggest for a tile company and how should they
go about differentiating themselves from the competitors?
3.
Case Study
PepsiCo
lays its chips on the hyperlocal highway
The
company finesses the regional game for Lay’s and Kurkure, acquires local taste
and habits to beat back competition from homegrown snackmakers.
With
southern markets on its radar, PepsiCo India is drilling down into local tastes
and food habits to develop local and hyperlocal variants while rethinking its
positioning tactics. It has just launched a variant for Lay’s that seeks to
replace the traditional papad (rice and lentil crispies) as a meal time snack
for southern market. Lay’s Wafer Style comes close on the heel of its launch of
another product aimed at the same market, Kurkure Masala Munch with gingelly
(sesame seeds) oil, a taste earlier catered to only by hyperlocal labels.
What
makes PepsiCo focus so keenly on south and its regionalisation the way to
counter the growing power of the local brands such as Haldiram’s, Bikanerwala,
Balaji and numerous startup labels promising healthy snacks?
Dilen
Gandhi, senior director, Marketing- Foods category, PepsiCo says that the
company has always sought to develop new snacking habits in India, with the
objective of catering to the different palates. ”Every region is important to
us and we’ve always tried to connect to all our consumers by providing them
with relevant flavours and textures that are tailor-made for their personal
tastes and preferences” said Gandhi.
The
launch of the new Lay’s Wafer Style is in line with the company’s
regionalisation strategy and the south is an important market, the company
said. Experts say that the new launches reflect a nuanced development of the
company’s regionalisation agenda. Initiated a few years back the company
started out adding spicy variants of its products and finding local stars to
endorse the products.
Now
the launches are better attuned to the local tastes and the positioning
reflects an understanding of meal-time habits, said experts. Repositioning
wafer chips to become a meal accompaniment is a good step, since this increases
occasions of consumptions, said Natasha Kumat, India Food and Drink Analyst
with market research firm Mintel. According to a report that they recently
released, India is the second largest market for snack food after China in
terms of volume and third in terms of value ($5.11 billion) after China ($73.31
billion) and Japan ($7.76 billion). While the gap is huge the potential is too,
say market research agencies.
The
Indian snack food retail market grew around 17.3 percent in terms of value in
2018 according to Mintel. And 38 percent of Indians have salty snacks alongside
of their meal; the number jumps to 44 percent consumers from the south, added
Kumat.
In
south PepsiCo finds itself battling the unorganised unbranded products as well
as regional brands that have developed a deep understanding of the customer. To
take on these brands, it is tapping into local tastes and following local
distribution patterns. According to consumer research reports, in the South 35
percent of consumers are buying unbranded and 20 percent branded, traditional
snacks, mostly from neighbourhood stores, PepsiCo will also therefore need to
tap into local sweet shops and such stores to grab attention and a share of the
wallet.
“We
have received great response on our region specific offerings” said Gandhi. The
advertising is also being tailored around local consumer insights. It shows a
young boy relishing what is otherwise considered to be a staple but
uninteresting meal (sambhar rice) with a wafer-style chip as an accompaniment.
According
to Kumat, around 40 percent of branded packaged traditional snackers say that
their purchase is influenced by flavour. Hence the introduction of local oils
and spices into Kurkure, which the company said, has been at the forefront of
its regionalisation strategy. The efforts have paid off this far, as South India
has emerged as one of the fastest growing markets for Kurkure over the last six
months.
However
catering to specific local tastes is not the only challenge. With increasing
health consciousness among consumers, brands have to walk the line between taste
and wellness with care. The Mintel study shows that some brands address this by
introducing healthy ingredients into their recipes, while some offer snacks
with high fibre content. It depends on the insights the brands are playing with
and given the market potential, the global brands are all ramping up their
ambitions and efforts to think and act local.
a.
Why is south so important market for pepsi. How should pepsi try to gain maket
share in the south and do they really need local stars to endorse the brand?
b.
Why are they trying to market this product as a meal time snack? What is the
percentage of people having salty snack along with their meals?
Cloud
Computing
1.
Nashik Shiwar is a startup that supplies vegetables and fruits directly from the
farmers in villages to consumers in cities like Mumbai and Thane. It is
planning to use a software solution to manage its operations. One vendor has
approached it with a proposed solution to be hosted in its cloud. The founders
of Nashik Shiwar are not so tech savvy so they have been apprehensive with the
cloud option. They have approached you as the IT expert to advise them on this
matter. What will be your advice to them?
2.
Sentac Enterprises has grown very fast with its cloth bag manufacturing business,
thanks to the increased awareness about less use of plastic bags. To sustain
the growth, Sentac Enterprises is looking for automation of its core
operations. As an IT expert, you are advising them for the cloud solution.
Which cloud deployment model and cloud service model would you recommend?
Justify your recommendations.
3.
“I am sure we want cloud solution but which one? Microsoft Azure, AWS, Google
Cloud, IBM Cloud; there are so many options!” Manish opened the meeting of his
board of directors. The meeting was called to decide on procurement of
infrastructure-as-a-service solution to host all IT applications of Sampad
Nature Club. Sampad Nature Club has grown very fast under the able leadership
of Manish Kapade, who used technology effectively to build up a chain of
nature-friendly resorts near cities like Mumbai and Pune.
“I
suggest we should look for mid-size local companies instead of mega vendors
like IBM and Microsoft.” Sandeep spoke first after Manish. Though Sandeep was
CFO, he was very much aware of technology market trends.
a.
Will you support Sandeep’s suggestion? Why?
b.
Why should Sampad Nature Club consider mega vendors like IBM and Microsoft for
procuring IaaS solution?
e-Business
1.
HDFC bank is one of the leading financial company in the Indian Banking sector
with a huge range of banking services and products to corporate and retail
customers. HDFC bank is revamping business strategies for achieving „ONE BANK‟
vision with the unified banking CRM platform. It implemented CRM to automate
the process flow in tracking the sales processes, generating customized
reports, cross selling to current customers. E-CRM has resulted in a 40%
increase in cross-selling, increase in lead conversion, delivering amazing
customer experience with 52% improvement in service quality. Based on the
above, pls suggest HDFC that how CRM can increase customer engagement and
satisfaction. Also, list down and explain the various metrics that can be used
by the bank in evaluating e-CRM.
2.
Kellogg, being a leading company in the production of food items and serving
its customers worldwide has a sound standing in the market following the supply
chain management system. It possesses an organized and well-equipped
transportation and storage system, following the lean production system to
streamline processes and eliminate wastes. It uses KPS (Kellogg‟s planning
system) to plan and budget production, inventory, and distribution of its
products. The company found the need for an e-business model to integrate its supply
chain management functions to optimize operations. You being the consultant for
the company, suggest an e-supply chain model along with its features that best
fits for the company‟s business operations. Also, narrate the benefits of using
e-SCM over the traditional SCM method
3.
Yatra.com, one of India‟s leading online travel portals, has further enhanced
its loyalty program, making it more lucrative for its customers. The e-Cash
program, which allows customers to save on every booking made on Yatra.com, now
gives additional benefits to its users. E-Cash is integrated with the payment
process, making the redemption of e-Cash smooth and easy. There are no blackout
dates on usage of e-Cash and there is no restriction on combining it with other
offers. Since the launch, there has been a very significant year-on-year growth
in customers opting for e-Cash. The program has helped in increasing the
customer stickiness and has helped to build a stronger connection with
consumers, both new and old.
Yatra.com
says, “As customers‟ expectations continue to evolve, we are focused on
delivering services and experiences that are important to them. Our e-Cash
program has been a major contributor in driving repeat purchases and currently
over 81% of our customers come back to us for future purchases. We are
confident, that with the launch of these new features, the value of e-Cash has
been significantly enhanced, which should further add value to the whole
customer experience on Yatra.com and ensure brand stickiness and loyalty in the
long run.”
With
the goal to be ‘India’s travel planner’, Yatra.com has been providing a ‘best
in class’ customer experience. Yatra.com has the largest inventory of over
83,000 hotels in India and is one of the biggest homestay aggregators with over
3000 homestays across 130 cities within India. Customers can access Yatra.com
in multiple ways: through a user-friendly website, mobile optimized WAP site
and applications, a multi-lingual call center, a countrywide network of Holiday
Lounges and Yatra.com Travel Express stores.
a.
Explain the impact of e-cash on the business operation.
b.
What are the strategies used by Yatra.com to increase its market share in
context of the given case study.
Emerging
Technologies: IoT, Augmented Reality, Virtual Reality
1.
You have been given the responsibility to develop the E-commerce business model
for a retailer of consumer electronic products. What will be your idea for
using Augmented Reality (AR) in it? How can Virtual Reality can be used for the
retail business?
2.
Internet of Things (IoT), offers a multitude of benefits to the healthcare
sector such as improving the effectiveness and quality of services. As a
consultant to a private hospital who wants to embrace this technology (IoT) to
help improve patient outcomes, what are the challenges that these connected
devices could bring that they need to pay heed to? What are the potential
obstacles which may impede the success of healthcare IoT for this private
hospital that you will highlight to them?
3.
TourPlan, a software development company would like to develop an augmented
reality system for traveler by assisting him/her in making the tour planning
much more simple, interactive and seamless. Tour Plan would has also partnered
with SmartLook, a Smart Glass company to develop a smart glass for traveler for
assisting him/her in different ways especially for mountain trekking
a.
What in your opinion, should be the important features/benefits from such
augmented reality system what will help the tourism industry to grow?
b.
What according to you should be the important features for such smart glasses
and how will it assist the mountaineer?
Retail
Banking
1.
Banking today has become a fiercely competitive industry due to the entry of so
many foreign and private banks. Discuss how a recently established bank can
reach out to customers to understand their needs and hence cater specifically
to their needs so as to provide satisfactory service. (10 Marks)
2.
Technologies have enabled banks to extend their services out of the traditional
buildings of the bank. Enumerate the given statement. (10 Marks)
3.
Banking is one of the major service sectors in India. Customer satisfaction has
been on the major performance evaluation parameters for the banks. Give your
views on the following with reference to customer service given by banks:
a.
Between public sector banks or private banks, who do you think is better in
providing better customer service and why? (5 Marks)
b.
With so much emphasis on Digital/ E-payments, with incentives/concessions
provided to make non-cash transactions through digital modes, highlight the
various risks the customers may face during these modes of financial
transactions.
Corporate
Finance
1.
Amit works in an organization which has debt and equity in its capital
structure. The net income of the firm is ₹3,00,000. The organization pays ₹
75,000 every year as interest component to debenture holders. Calculate the
weighted average cost of capital if the cost of equity is 14% and cost of debt
is 10%. If the company’s new project will provide a return of 11%, suggest
whether company should make the investment or not.
(10
Marks)
2.
Mr. Mehta was working with Delta Ltd for the past ten years. The company was
planning for expansion and required a funding of ₹ 25,00,000 for the same. He
was considering two financial plans and expected EBIT due to expansion was ₹
12,00,000. The firm was considering to raise funds through equity(Face value
₹10) and the debt @8%. Suggest should the company raise capital through all
equity or through equal proportion of debt and equity on the basis of EPS.
Assume tax rate as 35%
(10
Marks)
3.
Solve the following:
a.
A company earns ₹ 7 per share. The cost of capital is 10%, the rate of return
on investment is 12% and the dividend payout ratio is 20%. Calculate the value
of each share by using Walter’s Model. (5 Marks)
b.
XYZ Limited has a paid-up share capital of ₹15 lakhs of ₹10 each. The company
has a dividend payout rate of 15%. Annual growth rate is expected to be 3%. The
capitalisation rate is 15%. Calculate the value of the share of XYZ based on
Gordon’s Model.
Commercial
Banking System & Role of RBI
1.
Cash Reserve Ratio plays an Important role in the economy and RBI plays an
important role in monitoring inflation through CRR .Discuss how RBI perform
this critical function using CRR as an instrument. (10 Marks)
2.
In 2016, ICICI Bank, India’s largest private sector bank, announced that it has
successfully executed transactions in international trade finance and
remittance using blockchain technology in partnership with Emirates NBD, a
leading banking group in the Middle East. The bank plans to use blockchain
technology to make banking more robust for customers as blockchain technology
provides lower cost and scalability. Highlight what is blockchain and how it is
helping the banking industry?
3.
Assume you are working as an assistant manager in a reputed XYZ Pvt bank. In
recent years Non-Performing Asset is giving a deleterious impact on the return
on asset. As a bank manager bank, discuss-
a.
The factors contributing to high level of NPAs in the Indian Banks (5 Marks)
b.
The measures you will take to overcome this alarming issue.
Cost
& Management Accounting
1.
Vimla Spice company exports spices to Europe and Middle East. Given the
slowdown in business due to the recent COVID-19 impact, their profits have been
impacted significantly and actual profits are lower than budgeted sales by
almost 30 to 40%.The Management was extremely concerned and called for a
meeting of the top team to decide the way forward. The following 2 decisions
were taken in the meeting: a. Identify new markets for exporting spices to
increase Sales b. Hire a Management accountant to understand how they can reduce
costs etc Mr Bond was hired as the Management accountant and he submitted his
report to the Management within a month. The Management had thought profit
reduction was primarily o/a Sales Variance but were indeed surprised to see the
report as there were several other variances analyzed by Mr Bond with respect
to various elements of costs, sales and profit as follows: 1. Material cost
variances 2. Labor cost variances 3. Overhead variances 4. Sales variances 5.
Profit variances a) Describe Standard Costing and its applicability in specific
industries b) Describe any 2 of the above Variances and their sub variances c)
How will it benefit Vimla Spice Co if it implements Standard costing in the Co
(any 2 benefits) (10 Marks)
2.
“Eat Healthy” is a start up venture started by Ram and Lakhan planning to sell
sugar free cakes, cookies, multi grain bread etc. They are confused as to which
type of Costing method should be employed by them, Job costing or Process
Costing. Describe Job costing and Process Costing to them and explain the
differences between Process costing and Job costing (Any 5). (10 Marks)
3.
The following data is available for Lucky Soap Manufacturing Co for the year
ended 31st March 2020: - Particulars Amt (Rs)
Stock
of Materials : Opg
1,75,000
Closing
stock
2,00,000
Materials
purchased during the year
7,50,000
Direct
wages paid
2,25,000
Indirect
Wages
28,000
Salaries
to administrative staff
40,000
Repairs
to plant and machinery
36,800
Electricity
Charges
50,000
Office
Expenses
7,300
Travelling
expenses
18,000
Sales
men's and commission
28,000
Depreciation
written off: Plant and machinery
36,400
Depreciation
written off: Office Furniture
5,400
Office
Manager's salary
48,000
Rent,
rates and Taxes- Office
7,500
Rent,
rates and Taxes- Factory
12,000
Fuel
64,000
a.
Calculate the Factory overheads and Other Overheads. (5 Marks)
b.
Assist the MD of the company in calculating the following:- - Prime Cost
Factory Cost and Cost of Sale Minimum Sales amount if the profit margin has
to be fixed at 20% on Cost.
Taxation-
Direct and Indirect
1.
Ms. Dimple earns rental income from three house properties. She wants to plan
effectively her investments so that she can get adequate deductions from her
gross total income. Discuss the nature of at least five investments or
contribution in specified assets that qualifies for getting deduction under
section 80 C of the Income Tax Act 1961 (10 Marks)
2.
Mr. Vaishnav completed his Bachelor of Science from Holkar Science College. He
wants to start a business of manufacturing sanitizers looking to the current
business scenario. But before starting the business he wants to understand the
points of difference between direct tax and indirect tax. Elaborate. (any five
points ) (10 Marks)
3.
Ms. Neha submits following details for her income for the assessment year
2020-21. Compute the gross total income after considering the relevant
provisions of set off and carry forward of losses
a.
Calculate income from Business and Profession (5 Marks)
b.
Calculate income under the head of House Property, income from other sources
and capital gain PARTICULARS AMOUNT Speculation income 85000 Winning in cross
word puzzles 78000 Profit from printing business of school textbooks 435000
Short term capital gain 4500 Income from house property 240000 long term
capital gain 20000 long term capital losses -5000 Loss from house property
under construction -150000
The
items brought forward for set off
Loss
from discontinued business operation, loss belongs to the A.Y 2017-18 10000
Long term capital loss for the AY 2008-09 1000 Speculation loss for the AY
2016-17 50000 Loss in retail business of groceries AY 2019-20 45000
Marketing
of Financial Services
1.
Amit bought a Family Floater Health Insurance policy from a leading private
General Insurance company through his Bank. His wife Preeti, covered under the
policy was hospitalized for 5 days. The insurance company has not yet settled
his claim even after 2 months of making all submissions. What steps and
strategy should Amit follow to ensure that the insurance company settles his
claim? (10 Marks)
2.
Develop a Public Relations campaign for a Bank of your choice to highlight the
“Digital Banking” edge that your Bank offers. (10 Marks)
3.
You are a Financial Planner. Your client Sumit Raghani aged 37 years and works
with an IT company earning Rs 15 lakhs per year. His wife Asha, aged 34 years,
is a homemaker. They have one daughter Rimmi aged 5 years. The couple requires
your help to make some financial decisions. (You can make any assumptions to
further build up your case.)
a.
Sumit wants to buy a Pure Risk Life Insurance cover of Rs 1.5 crore. He is
confused whether he should buy a ULIP, Endowment or a Term Plan. Recommend the
product best suited for his requirement. (5 Marks)
b.
Sumit has expressed his desire to retire by the age of 55. Design a retirement
plan for him.
