Volume 13 | Issue 7 |

 Abstract

Green banks have emerged as pivotal financial institutions dedicated to mobilizing capital for sustainable infrastructure projects, including green buildings, to accelerate the transition to a low-carbon, resilient economy. Through a comprehensive analysis of case studies, policy frameworks, and financial mechanisms, this study aims to examine the effectiveness of green banks in promoting investment in green buildings, fostering innovation, and driving sustainable economic growth. By assessing the alignment between green bank activities and SDG targets, as well as identifying trade-offs, barriers, and benefits of scaling up investment in sustainable infrastructure, this research will provide insights into strategies for maximizing the impact of green banks in advancing global sustainability objectives. The findings will inform policymakers, financial institutions, investors, and practitioners about the potential of green banks as catalysts for sustainable development and offer recommendations for strengthening their capacity to mobilize capital, drive innovation, and achieve meaningful impact in the transition to a green economy.

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 Keywords

Green Banks, Sustainable Infrastructure, SDGs, Environmental Sustainability.

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This research paper proposes a system that integrates customer segmentation with recommendation mechanisms using machine learning algorithms. By analyzing user behavior and transaction data, the system segments customers into distinct groups and provides personalized product recommendations. The project utilizes K-Means clustering for segmentation and collaborative filtering for the recommendation process. The outcome enhances customer experience and business decision-making, offering increased personalization and engagement.

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 Keywords

Customer Segmentation, Recommendation System, Machine Learning, K-Means, Collaborative Filtering, Data Mining

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This study investigates the impact of social media advertising on consumer attitudes and purchase intentions within the FMCG and FMCD sectors in India. Employing a descriptive and causal research design, data were collected through structured online questionnaires from 173 social media users in Hyderabad, focusing on awareness, engagement, and influence of social media ads. Key findings reveal that over 67% of respondents are aware of FMCG and FMCD advertisements, with platforms like YouTube and Instagram being predominant. Video content, music, and innovative ideas significantly enhance engagement, and a majority rely on reviews and recommendations for purchasing decisions. The analysis demonstrates that social media advertising exerts a statistically significant influence on consumer perceptions and behaviors. These results underscore the importance of targeted, engaging digital marketing strategies to foster brand loyalty and drive sales, emphasizing social media's vital role in contemporary consumer engagement and marketing effectiveness.

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 Keywords

Social Media Advertising, FMCG (Fast-Moving Consumer Goods), FMCD (Fast-Moving Consumer Durables), Advertising Impact, India, Consumer Behaviour, Marketing Strategies, Digital Marketing.

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Abstract The mutual fund industry plays a significant role in the mobilization of savings and the allocation of capital in financial markets. Among the various types of mutual funds, growth mutual funds are particularly appealing to investors seeking capital appreciation over the long term. These funds typically invest in companies with high growth potential, often reinvesting earnings to fuel further expansion rather than paying dividends. This study aims to conduct a comprehensive performance analysis of selected growth mutual funds to evaluate their ability to deliver superior risk-adjusted returns. The research involves the selection of a representative sample of growth-oriented mutual funds from different asset management companies. The performance of these funds is assessed over a specified period using a variety of financial and statistical tools. Key performance indicators include average return, standard deviation, beta, Sharpe ratio. These metrics provide insights not only into the returns generated by the funds but also into the levels of risk taken to achieve those returns. In addition, the study compares the funds' performance against a relevant benchmark index to determine relative efficiency. The findings reveal notable variations in the risk-return profiles of the selected funds, with some consistently outperforming the benchmark and others showing underperformance despite higher levels of risk. This research concludes that while growth mutual funds can offer attractive returns, investors must carefully evaluate fund performance using risk-adjusted measures before making investment decisions. Overall, this study contributes to a better understanding of the performance dynamics of growth mutual funds and offers valuable insights for retail and institutional investors, portfolio managers, and policy.

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 Keywords

Mutual Funds, Sharpe ratio ,Standard Deviation, Average return ,Risk and Return

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Telangana, a state in India, boasts a rich cultural heritage and diverse tourism potential, spanning from prehistoric times to the modern era. The region, historically known as Trilingadesha, has been influenced by various dynasties, including the Kakatiya, Qutub Shahi, and Asaf Jahi, resulting in a unique blend of Hindu, Persian, Islamic, and Christian architectural styles. The state is adorned with numerous historical monuments, Buddhist and Jain sites, and elaborately carved temples. Telangana also features picturesque natural attractions, including serene lakes, verdant woods, and abundant wildlife. The Telugu language, which was accorded classical language status by the Government of India in 2008, is an integral part of the state's cultural identity. Despite its robust infrastructure, excellent connectivity, and thriving industries such as IT, pharmaceuticals, and film, Telangana has not effectively leveraged its tourism potential over the past decade. To address this issue, the state government has identified tourism as a priority sector and has introduced the "Telangana Tourism Policy 2025-30," the first tourism policy of Telangana. This policy aims to provide the necessary impetus for tourism infrastructure development through strategic concessions and incentives, accelerate the establishment of new tourism projects, and promote Telangana as a top tourist destination globally. The policy also emphasizes effective branding strategies, capacity-building, and institutional mechanisms to improve investor confidence and encourage private sector investment in the tourism sector.

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 Keywords

Telangana , Kakatiya, Asaf Jahi , Qutub Shahi, Infrastructure, Tourism Policy, institutional Mechanism, investement

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This study investigates the critical issue of Non-PerformingAssets (NPAs) within Scheduled Commercial Banks (SCBs) in India and the strategies employed for their recovery. NPAs, defined as loans or advances where principal or interest payments remain overdue for more than90days,significantlyimpactthefinancialhealth,profitability,andstabilityofthebanking sector. The accumulation of NPAs leads to reduced interest income, increased provisioning requirements,capitalerosion,andheightenedcreditrisk,ultimatelyhinderingabank'slending capacity and economic growth. The study delves into the various causes of NPAs, including aggressive lending practices, wilful defaults, economic downturns, industry-specific challenges, and operational inefficiencieswithinbanks.ItfurtherexaminesthemultifacetedimpactofhighNPAlevelson SCBs, such as squeezed Net Interest Margins, decreased investor confidence, and increased regulatory scrutiny. AsignificantportionofthestudyfocusesontheevolvingframeworkandmechanismsforNPA recovery in India. This includes an analysis of legal and regulatory initiatives like the Insolvency and Bankruptcy Code (IBC), the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act, Debt Recovery Tribunals (DRTs), and LokAdalats.Thestudyalso explores otherrecoverystrategies such as OneTime Settlements (OTS), debt restructuring, the role of Asset Reconstruction Companies (ARCs), and the growing adoption of technological solutions for early warning signals and automated recovery processes. Despite the various measures, challenges persist in NPA recovery, including legal and procedural delays, difficulties in accurate asset valuation and realization, lack of debtor cooperation, and operational inefficiencies within banks. The study aims to provide a comprehensive understanding of the NPAlandscape in Indian SCBs, assess the effectiveness of current recoverymechanisms, and suggest potential improvements to bolster the resilience and efficiency of the Indian banking sector

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 Keywords

Non-Performing Assets (NPAs), Scheduled Commercial Banks (SCBs), NPA Recovery Insolvency and Bankruptcy Code (IBC) SARFAESI Act, Debt Recovery Tribunals (DRTs) ,LokAdalats

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Creative Commons Attribution 4.0 and The Open Definition

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The indentured labourers' voyage brought them into contact with a new phenomenon known as the feminist age, and the new term is now known as the "Diaspora". Our ancestors gave us the name Diaspora, as they gave their lives to ensure the survival of their family. This historical event has changed the traditional and conservative view on the identity of women. It has changed the whole narrative of patriarchal society. It got rid of the gender prejudice. The new phenomenon known as Diaspora has helped our nation establish strong and positive connections with a number of nations that are benefiting us on a worldwide scale and are also contributing in a unique way to our country's growth.

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Feminist, diaspora, revolutionary, patriarchy, phenomenon.

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The purpose of the study was to evaluate the effect of the different paces of Suryanamaskar on flexibility variable. To find out and evaluate the pattern of progress in different paces of Suryanamaskar practice. A total 120 male students were randomly selected from B.Tech degree program for CoAE, JNKVV Jabalpur. The ages ranged of subject were between 17-24 years. For administration practicability three intact groups were formed namely group 1 group 2 group 3. The treatment pace 1 (90 second), pace 2(180 second) pace 3(360 second) was randomly allotted among 03 group; each consisted of 40 students name as pace 1, pace 2 and pace 3 groups. The groups actively participated for a period of 12 weeks with their respective paces of Suryanamaskar. The quantitative measurement of each subject taken with help of standard equipment before the training programme pretest after 6 and 12 weeks of training programme. Descriptive statistics and ANOVA was employed to find out within and between groups the effect of different pace effect of training durations and effect between pace and training durations of Suryanamaskar on selected flexibility variable by using SPSS 19 and the level of significance was at 0.05.Results: The findings indicated that the practice of Suryanamaskar for 6 and 12 weeks is enough to bring out significant improvement flexibility variable in all three paces of groups, there was no significant difference found among three paces of groups on flexibility at pretest. However, after 12 week training of Suryanamaskar the effect on flexibility was pace 3 groups found most improvement followed by pace 2 and pace 1 group.

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 Keywords

Keyword. Flexibility, variable, Suryanamaskar pace, sit& reach test etc

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Background: Chronic bronchitis is defined as a condition associated with excessive tracheobronchial mucus production to cause cough with expectoration for at least 3 months of the year, for more than 2 consecutive year. Chronic bronchitis is characterized by long-term inflammation and irritation of the bronchial tubes, which brings excess mucus into the airways. This results in chronic cough, excessive sputum production, wheezing, breathlessness, and tightness in the chest. . It is one of the most common respiratory disease and leads to limitation of airflow as well as deteriorating health status. The aim of study is to find out the immediate effect of pursed lip breathing and conventional physiotherapy on breath holding test in chronic bronchitis patients. Materials and Methodology: In this study patients include both males and females between age group 40 to 60 years diagnosed with chronic bronchitis for at least 3 months of the year for more than 2 consecutive year were included in the study. Patients with unstable cardiovascular disease, severe hepatic and renal dysfunction, malnutrition, malignant tumour and severe anaemia, history of taking regular corticosteroids or other immunosuppressive agents and acute exacerbation of COPD or pneumonia within past 6 weeks were eliminated from the study. 40 male or females with chronic bronchitis in tertiary care hospital were randomly chosen. Pursed lip breathing and conventional physiotherapy is performed in those patients to fill in the required data. Breath holding test is performed to see the significant effect in reduced breathing. The participant signed the consent form willingly. The collected data was statistically analysed for finding. Result: There was significant effect of pursed lip breathing (group A) and conventional physiotherapy (group B) on breath holding test within the group A and B in both groups with more significant effect in group A compared to group B (p=0.002). Also there was significant effect on breath holding test in group A compared with that of group B (p =0.001). Conclusion: On the basis of results we have concluded that the both pursed lip breathing and conventional physiotherapy are effective in reduced breathing in chronic bronchitis patients. We also concluded that pursed lip breathing is more significant than conventional physiotherapy.

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pursed lip breathing, conventional physiotherapy, chronic bronchitis patients, breath holding test

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This paper presents the implementation design of a blockchain-based decentralized wallet system for electric vehicle (EV) charging stations with comprehensive feasibility analysis and performance projections. The system addresses key challenges in the EV charging ecosystem, including payment fragmentation, high transaction fees, security concerns, and lack of interoperability. We propose a solution using Ethereum blockchain technology that enables seamless cross-network payments, transparent billing, and peer-to-peer energy trading. Our implementation approach incorporates wallet management, authentication using decentralized identities, automated payment processing, and real time monitoring capabilities. The feasibility analysis demonstrates potential transaction cost reduction of 65-80%, settlement time improvement from 2-3 days to 15-30 seconds, and security enhancement through cryptographic protocols. Performance projections indicate the system can handle 10,000+ concurrent charging sessions with 99.9% uptime. The proposed implementation provides a viable and economically feasible model for addressing interoperability challenges in EV charging infrastructure while enhancing user convenience and reducing operational costs.

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: Blockchain, EV Charging, Smart Contract, Decentralized, Wallet, Feasibility Analysis

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Creative Commons Attribution 4.0 and The Open Definition