PRESENTATION FOR VIVA

Miss. Akshata Anil Masurkar

NEWSWIRE
MOTHERSON COMPLETES ACQUISITION
OF REYDEL AUTOMOTIVE

WELINGKAR PROJECT- NEWS WIRE

SEPTEMBER 2018
LEARNINGS:

• A very informative article about India’s largest automotive component maker

Motherson Sumi System Limited announced acquisition of Reydel Automotive
Group for $201 million, which is company’s 21st acquisition worldwide.

• Reydel itself is a diversified component with 5,500 associates in 16 countries

with 20 factories worldwide.

• Its interior product portfolio includes instrument panels, door panels, console
modules, decorative parts and cockpit modules.

• It had revenues of $1,050 million for year ended December 31, 2017.
SMALL LOANS RISED 4 TIMES FASTER
THAN TOTAL CREDIT

WELINGKAR PROJECT- NEWS WIRE

SEPTEMBER 2018
LEARNINGS:

• A small concise article on increasing unsecured loans, including personal loans,

SME credit and credit card loans i.e. 4 times or CAGR of 27% as much as the
overall banking sector’s credit growth between financial year 2015 to 2018.

• Rising competition has led to lower rates for some loans such as personal loans
due to which the return on assets for such loans are 2.5-3%, 3-4% for credit
cards compared to under 2% for housing loans.

• Quite few reasons for increasing unsecured loans are lower rates, faster
disbursement procedures, less documentation, attractive yields, no collateral
security and higher margins for banks.

• Till March 2018, outstanding unsecured stood at around 5 trillion, accounting for
26% of retail lending , compared to 21% three years ago.
INNOVATION MANAGEMENT-
MANAGING INNOVATION IN BUSINESS

WELINGKAR PROJECT- NEWS WIRE

SEPTEMBER 2018
LEARNINGS:

• A very informative article on Innovation Management and its Application in

Business.

• Innovation can be defined as the application of ideas that are new to the firm,
whether the new ideas are related to marketing system, products and processes,
services etc.

• Innovation have acquired a key role in the growth and competition strategies of
firms today and are regarded as an essential tool to stimulate growth and enable
firms to master the competition.

• Innovation is not only associated with new products, new technology and R&D
team but can be applied broadly applied at all levels of the organization.

• Innovation represents a significant improvement over what exists. A successful

innovation generates a product or service that is valued highly by customers.
• One of the most pressing business challenge is keeping up with the pace of this
globally expanded Innovation.

• No one is born as innovator. Everyone just needs to be creative an innovative

and just be ready to learn more and more and broaden there perspective of
learning.

• Innovation cannot get completed once it is presented but gets a break through
when it gets implemented and followed on regular basis and has its root deeper
than any other organisation.

• Reorganizing people internally helps people to think and creating something new.
When people gets used to they get adapt to the work hence restricting there
views and following the routine.

• Innovation is followed by risk. No innovation gets success if there is no risk of

failure. The real picture starts where the product is still being launched
considering the risk factor in that.
 HOW PAYMENT BANKS ARE
DIFFERENT FROM REGULAR BANKS

WELINGKAR PROJECT- NEWS WIRE

SEPTEMBER 2018
LEARNINGS:

• Payment banks were introduced by RBI to widen financial inclusion to small

savings account holders, low income households, unorganised sector, migrant
workers and small businesses.

• A payment bank can accept only savings and current deposits of up to Rs 1 lakh
per customer which is also maximum amount in the account.

• They cannot undertake lending activities, they can issue ATM/Debit

cards(presently they are not giving that) but not credit cards, they can distribute
non risk sharing simple financial products like mutual funds and insurance
products, they are not allowed to give any form of loan.

• Interest rates are similar to which of regular banks.

• The India Post Payment Bank (IPPB) is Government of India owned payments
Banks. The first phase of the bank with 650 branches and 3250 Post offices as
access points was inaugurated on 1st September, 2018.

• IPPB offers doorsteps services which is also free of cost.

• Customers can use QR code payments eliminating the need to remember

account numbers, PINs and passwords.

• The list of active Payment Bank are:

• Aditya Birla Payments Bank
• Airtel Payments Bank
• India Post Payment Bank
• Fino Payments Bank
• Jio payments Bank
• Paytm payment Bank
Bharati Airtel launched India’s first live payment bank named Airtel payment bank
in March 2017.
WHAT IS STOCK LIQUIDITY?

WELINGKAR PROJECT- NEWS WIRE

SEPTEMBER 2018
LEARNING:

• A very informative and concise article about Stock Liquidity where individual or
firm can quickly sell or purchase an asset.

• Those stocks which are trading in high volumes and which can be sold or bought
at any point of time with very less spreads between sell/buy quotes are liquid
stock. In these stocks you can get out or get in at any time by booking loss/gain.

• It is often referred as Revolving Door that turns very quickly, allowing for many
opportunities to enter and exit. Cash is the most liquid asset as it can be “sold” for
goods and services instantly with no loss of value. However, some investments are
easily converted into cash like stocks and bonds hence they are regarded as liquid
assets.

• Stock Liquidity can be measured when bid-ask spread is narrow, trade volume is
high and has high trade volume during the high float.
Stocks are liquid when:-
• Bid-Ask spread is narrow:- The term bid and ask refers to two-way price
quotation that indicates the best price at which a security can be sold and bought
at any point of time. The bid price represents the maximum price that buyer is
willing to pay and ask price represents the minimum price that a seller is willing
to receive. The difference between two must be small as it indicates that more
buyers are interested to buy the stock at price suitable to seller.
• Trade volume is high:- High trade volume denotes high number of shares are
bought and sold on particular given day which depicts there are large number of
buyers, making it liquid.
• High Trade Volume during High Float:- Float is the number of shares actually
available for trading. When trade volume is high with high float that means higher
number of shares are available and also being traded at high rate.

For long term investors it is advisable that they should trade in medium volatile
stocks as they hold stock for long period so there would be no counting of liquidity
in this scenario thereby ensuring lower risk. For short time or intra day traders
there should be maximum liquidity as they does not hold stock for long time.
NEW DIRECT TAX CODE

WELINGKAR PROJECT- NEWS WIRE

SEPTEMBER 2018
LEARNINGS:-

• The Narendra Modi-led government’s stated that our 50-year-old income

tax law needs to be re-drafted and a new Direct Tax Code (DTC) needs to
be introduced.

• The intention of the Government to simplify, consolidate and revised the

present Income–Tax Act, 1961.

• The idea is to rewrite it in line with the economic needs of the country and
to keep pace with evolving global best practices.

• Some of the key features which were expected in the new Direct Tax Code
like introduction of General Anti Avoidance Rules (GAAR), Place of Effective
Management (POEM) rule and removal of profit-linked deductions have
already been announced and implemented under the Existing Income Tax
Act, 1961.
DTC aims in Achieving following objectives-

• The existing Income-tax Act is more than half a century old and has
incorporated thousands of amendments over the years. The new law will do
away with past baggage and make the law relevant to the current business
environment.

• The new direct tax code will try to bring more assessees into the tax net to
make the system more equitable for different classes of taxpayers.

• New direct tax code will take forward the plan to lower the corporate tax
rate from 30% to 25% for all companies gradually as the revenue collection
improves. Benefit of rate of 25% has already been introduced for companies
with annual sales upto Rs 250 crores.
A BEGINNER’S GUIDE TO HEDGING

WELINGKAR PROJECT- NEWS WIRE

SEPTEMBER 2018
LEARNINGS:-

• A hedge is an investment to reduce the risk of adverse price movements in

an asset.

• Hedging, whether in your daily life, your business or anywhere else, is about
decreasing or transferring risk.

• Hedging is a valid strategy that can help protect your portfolio, home and
business from uncertainty.

• It is insuring oneself against negative events.

• Example:-

 When you buy life insurance to support your family in the case of your
death, this is a hedge.
FINANCIAL ANALYTICS MARKET
KEY GROWTH FACTORS AND FORECAST 2024

WELINGKAR PROJECT- NEWS WIRE

SEPTEMBER 2018
LEARNINGS:-

 It helps to gain in depth knowledge and take action against it to improve

the profitability and seeing in future the potential of company.

 For this growing world, Financial Analytics is an tool that would predict
future and would grow at pace due to developments in business analytics
and business intelligence.

 It has wide applications of data (Banking, Financial Services and Insurance,)

where data in graphical formats are presented which enables to compare
past performances and predict future events.

 Government, Information technology (IT), entertainment, media, retail and

consumer goods, manufacturing, among the others are also included in
applications
.
 Major market companies like TIBCO, IBM, SAP etc include Financial Analytics
as solutions to their profitability in future.

 The financial analytics market has broad applications such as receivable

management, general ledger management, and profitability management
among the others.
80% OF INDIANS NOW HAVE A BANK
ACCOUNT.
SO WHY IS FINANCIAL INCLUSION LOW?

WELINGKAR PROJECT- NEWS WIRE

SEPTEMBER 2018
LEARNINGS:-

 Going hand in hand with mobile phone users, Indians are now having bank
accounts but still financial inclusion levels are worlds worst.

 Financial inclusion is the pursuit of making financial services accessible at

affordable costs to all individuals and businesses.

 Pradhan Mantri Jan Dhan Yojana is solely responsible for tremendous

increase in accounts over the years.

 Despite numbers, 38% accounts are dormant, that is there are no

withdrawals and deposits transactions over years.

 Financial services benefits at making investments in Education, health,

manage financial emergencies mainly dependency of cash.
 Despite widely using of mobile phones, only 5% Indians have access to
there accounts from phone.

 The proportions of using mobiles phones for making payments, accessing

statements, accessing mobile wallets is far degrading as compared to other
developing countries.

 Using Mobile Banking enables the individual to access there bank accounts
handy and making cashless banking.
10 KEY INCOME TAX RULES WILL
CHANGE FROM APRIL 1
ALL YOU SHOULD KNOW

WELINGKAR PROJECT- NEWS WIRE

SEPTEMBER 2018
LEARNINGS:-

 Union Budget 2018, failed to impress tax payers and salaried class but
definitely had done great for senior citizens.

 Here are 10 tax rules which had changed from April 1, 2018-

 Health and Education Cess- It will be levied at the rate of 4% of income tax,
in place of the current 3% Education, Secondary and Higher Education Cess.

 Reintroduction of standard deduction- It has proposed a standard deduction

of a maximum of Rs 40,000 withdrawing the exemption for transport and
medical expense reimbursement.

 Long-term capital gains Tax-Tax will be levied on profit made from long term
capital gain tax. It is applicable only for sale after April 1, 2018.
 Tax exemption for Senior Citizen- From Rs 10,000 increased to Rs 50,000 for
interest income from deposits held with banks, co-operative society and post
office by senior citizens.

 TDS for Senior Citizen- TDS will not be required to be deducted.

 Medical expenses for Senior Citizen- The deduction is limited to Rs 60,000 for
expenses relating to senior citizens and Rs 80,000 with respect to very senior
citizens. The Budget has proposed to enhance the above deduction limit to Rs
100,000 uniformly for both categories.

 Dividend Distribution Tax on equity mutual funds- Dividend Distribution Tax to

be levied on Equity mutual funds at the rate of 10%.

 National pension scheme for non-employee subscriber- 40% exemption is

allowed to non employee subscribers for amount payable to National Pension
Scheme.
WE TUBE
BASIC DEDUCTIONS TO BE CLAIMED
FROM GROSS TOTAL INCOME

WELINGKAR PROJECT- WE TUBE

SEPTEMBER 2018
• The Income Tax Act specifies how gross total income of an assessee is arrived at.
Also certain deductions on gross total income are allowed.

• The deductions are detailed in Chapter VIA of the Income Tax Act In computing
the taxable income of an employee.

• These deductions under Chapter VI-A of the Act are to be allowed on his gross
total income.

1. 80C Deductions on Investments- Section 80C provides for deduction of savings

in special modes of Investments like Life Insurance, PPF, Deffered Annuity Plans,
Superannuation Plan, Principal of Housing Loan, National Saving Certificate,
Deposits in Scheduled bank for maximum 5 years, in his name or spouse,
children's , a deduction of Rs 1,50,000 can be claimed from your total income
or the actual amount which ever is lower. This deduction is allowed to an
Individual or a HUF.
2. 80CCC Deduction in Respect of Contribution to Certain Pension Funds
This section provides a deduction to an individual for any amount paid or
deposited in any annuity plan of LIC or any other insurer. Pension received from
the annuity or amount received upon surrender of the annuity, including interest
or bonus accrued on the annuity, is taxable in the year of receipt. The Maximum
Deduction allowed is Rs.1.5 lakh.
(Note- Aggregate amount deductible under the three sections,i.e.80C,80CCC and
80CCD shall not exceed 1,50,000 rupees.)

3. 80D Deduction for Premium paid for Medical Insurance- Deduction under this
section is available to an individual or a HUF. A deduction of Rs. 25,000 can be
claimed for insurance of self, spouse and dependent children. An additional
deduction for insurance of parents is available to the extent of Rs 25,000 if they
are less than 60 years of age or Rs 30,000 if parents are more than 60 years old. In
case, a taxpayers age and parents age is 60 years or above, the maximum
deduction available under this section is to the extent of Rs. 100,000.
4. 80DD Deduction for Rehabilitation of Handicapped Dependent Relative- This
deduction is available to a resident individual or a HUF and is available on:
• Expenditure incurred on medical treatment (including nursing), training and
rehabilitation of handicapped dependent relative
• Payment or deposit to specified scheme for maintenance of dependent
handicapped relative.
The level of Disability and Deduction allotted is given below:-
o Where disability is 40% or more but less than 80% – fixed deduction of Rs
75,000.
o Where there is severe disability (disability is 80% or more) – fixed deduction of
Rs 1,25,000.

5. 80E Interest on education loan for Higher Studies- A deduction is allowed to an

individual for interest on loan taken for pursuing higher education. This loan may
have been taken for the taxpayer, spouse or children or for a student for whom the
taxpayer is a legal guardian. The deduction is available for a maximum of 8 years
(beginning the year in which the interest starts getting repaid) or till the entire
interest is repaid, whichever is earlier.
900 TO 90 LACS LESSONS FROM MY
ENTREPRENEURIAL JOURNEY

WELINGKAR PROJECT- WE TUBE

SEPTEMBER 2018
LEARNINGS:-

• Everyone in this world is behind money and wants to not just successful but
also millionaire, billionaire.

• Entrepreneurs are the ones who starts there business with the minimum and
gradually lead the world.

• Stages of Beginning a Entrepreneurship:-

Initial Stage-
 Think your idea regularly after certain days so that you can determine are
you still that passionate and dedicated about that business.

 Research of the Idea is must.You must know the pros and cons of the
business.

 Initially what matters the most is money. Start with no profit no loss strategy.
 Examine whether you are going to do that alone or with the partner you
are comfortable with.

 Plan your team and make necessary allotment of works accordingly. Initially
keep your team lean.

Active Stage-

 Talk only delays action. Get started according to plan.

 Plan your finances wisely so that you can minimize risk.

 Actual acting would lead to 100 problems and Billions solutions.

 Believe in yourself and you idea and be ready for anticipated and non
anticipated risk.
Post Stage:-
 Celebrate your small achievements with your team mates.

 Cherish the journey from Zero to Hero.

 Expansion is all after this.

 Expand your business and accordingly make necessary changes with the
product line.

 Set year 3 year plan and steps for achieving those plans.

For being a successful Entrepreneur you just need to be focused, passionate

and hardworking about your work.
CUSTOMER SERVICE

WELINGKAR PROJECT- WE TUBE

SEPTEMBER 2018
LEARNINGS:-

• Definition- Customer Service is the assistance and advice provided by a

company to those people who buy or use its products or services.

• Customer is always treated as god.

• There are two types of Customers-

 External Customer- The one who receives benefits of goods
 Internal Customer- The one who help to serve External customer.

• Types of Customer Service-

 Phone- People are handled over phones.
 Inperson- People are handled face to face
 Written Communications- People are handled over e-mails, drafts etc.

• Customer just need not be satisfied but also delighted for visit paid to your
place.
• Providing Good Customer Service is providing the customer with Quality
products and Services.

• Satisfy every need of the customer and if not provide alternative.

• Go and Extra mile and deliver more than you promise.

• Understand every problem of customer by provide Empathy towards them

• Choose your vocabulary wisely.

• Good customer service leads to-

 Continued Success
 Increase profit,
 Higher job satisfaction.
 Brand Development
 Market Expansion.
• Ten Rules of Great Customer Service-
 Always commit to your Quality.
 Always know what are you selling.
 Always know what you customer needs are.
 Always treat customers with Courtesy and Respect.
 Never argue with customers.
 Don’t leave customer hanging.
 Always stick to your commitments.
 Assume that customers will always speak truth.
 Focus on making customers and not on sales.
 Make it easy to buy.

• John Hartley has developed HEAT Model for effective customer Service.
 H- HEAR- Always hear to your Customers.
 E- EMPATHIZE- Always understand what problem customer is facing.
 A-APOLOGIZE- Never be ashamed of apologizing.
 T- TAKE OWNERSHIP- Always take ownership of your commitments.
GOODS AND SERVICE TAX

WELINGKAR PROJECT- WE TUBE

SEPTEMBER 2018
LEARNINGS:-

• Implementation of GST (Goods and Service Tax) is considered a historical

move India has undergone.

• GST (Goods and Services Tax) is a single indirect tax aimed at making the
country a unified common market. It is imposed on the supply of goods
and/or services within India and came into effect from July 1, 2017.

• A number of countries around the globe have already implemented GST.

• Need for GST-

 Uniformity in Taxation
 Cascading of Taxes
 Common Procedures.

• At present, the indirect tax structure levies varied taxes on one particular
good/service depending upon factors such as manufacturing, selling etc.
• The GSTN software is developed by Infosys Technologies and the
Information Technology network that provides the computing resources is
maintained by the NIC.

• GST Council is the governing body of GST having 33 members. It is chaired

by the Union Finance Minister.

• GST Rate Structure:-

 0%- Levied on Essential Goods. eg- Foodgrains, salt etc.
 5%- Levied on Mass Consumption products. eg. Soaps, packed food, etc.
 12%- Levied on Processed Products. eg. Cellphones, Medicines, etc.
 18%- Levied on Standard Products- eg. Hotels etc.
 28%- Levied on Luxury Products. eg.- Aerated drinks, luxury cars etc.

• GST has benefited customers as reduction of prices due to elimination of

cascading effect, uniform prices throughout the nation, transparency in
taxation system.
• India adopted a dual GST model, meaning that taxation is administered by
both the Central and State Governments.

• Transactions made within a single state are levied with Central GST (CGST)
by Central Government and State GST (SGST) by the State government.

• For inter-state transactions and imported goods or services, an Integrated

GST (IGST) is levied by the Central Government.

Conclusion-

Implementation of GST is one of the best decision taken by Indian Government.

Until now India was a union of 29 small tax economies and 7 union territories
with different levies unique to each state. But after implementation of GST,
several taxes and levies which included: central excise duty, service tax,
additional customs duty, surcharges, state-level value added tax and Octroi were
subsumed.
TIPS FOR EFFECTIVE PUBLIC
SPEAKING

WELINGKAR PROJECT- WE TUBE

SEPTEMBER 2018
LEARNINGS:-

What do you think when Actor receiving the award for the first time in life isn’t
nervous?

• Indeed he is. Not because he is receiving it for the first time but because he
has to go on stage and address by thanking everybody on stage.

• Stage fear or Public Speaking is the biggest fear for average human being.

• Public Speaking is a process of speaking to a group of people in a structured

and deliberate manner to inform, influence and entertain the listeners.

“Great Speakers are not born, they are trained……”

• 10 tips for effective Public Speaking-
 Practice and Prepare- The best way to overcome anxiety is to prepare, prepare, and
prepare some more.
 Know Your Audience- Learn about your listeners as you are speaking about them
and not you.
 Organize you Materials- Create a framework of your speech and organize it in
effective manner.
 Familiar with Venue- Be familiar with venue by arriving there before time.
 Personality come through- Be yourself, don’t become a talking head.
 Use humor, Tell stories- Inject funny anecdote in your presentation. A story telling
can provide personal touch in speech.
 Use your Voice and Hands Effectively- Nonverbal communication carries most of
the message. Omit nervous gestures.
 Good Grooming- Better grooming means grabbing attention of audience at
instance.
 Use Audiovisual Aids wisely- You should maintain a paced volume while talking.
 Believe in yourself- Remember - Enjoy the experience!
Conclusion-

Conclusion is delivered at the end of the speech and is often what most people
remember immediately after your speech has ended. As important as your
introduction is for grabbing the audience's attention, the conclusion is doubly
important as it leaves the audience with a lasting impression. Good
communication is never perfect, and nobody expects you to be perfect.
However, putting in the requisite time to prepare will help you deliver a better
speech.You may not be able to shake your nerves entirely, but you can learn to
minimize them.
WE LOUNGE
GAUTAM BORAH
VODAFONE

WELINGKAR PROJECT- WE LOUNGE

• Mr. Gautam Borah heads Customer Service Operations for Vodafone India
Group and has overall experience of nearly 20 years.

• Responsible for Deployment of COPC and Six-Sigma Design in Reliance Info.

• Author of Book Monetising Innovation.

• Inspiration- Passion for writing and Exploits in the area of writing.

• Written article on LinkedIn- Innovation has many prospective which is based

on Organisation and Execution within the team making them invincible.

• Cruz of the article- You can’t deploy innovation just by Whack.

• Customer Satisfaction: “Atithi devo bhava” is the phenomenon that runs in

Indian blood. Attitude to help is old age system followed in India. A happy
customer will buy more from you and recommend your brand to others.
• Business Transformation: Hard part is the detailed planning, seamless execution,
robust compliances. Soft part is identifying what people want to achieve and
aligning them to bigger cause.

• Challenges within the company: Stakeholder management who can influence

the result and sustainability of the firm.

• Recruiting the right people: Getting the job requirement correctly. Show the
team a vision and keep them motivated.

• Evolution of Customer Service in India- Earlier, Customer Service was only

limited to Call Centres. But on changing trend now, 30% of customer
complaints and reviews are done online.

• Journey of Customer- Journey of Customer starts before they become full

fledged customer. Sharing the right information is the key to Customer service.

• It is Emerging Industry but just needs to be more Flexible.

 Describing Mr. Gautam Vora
• First thing in office- Start with prayers.

• Strength- Discipline

• Weakness- Reactive

• Mr. Gautam Vora in one word- Passionate.

• Vodafone- Family

• Another Profession- Writer.

• Message: Have a dream, follow it with your heart, do something everyday for
the cause.
MR. ROHIT MATHUR
CEO, EXPONENTIA DATALABS

WELINGKAR PROJECT- WE LOUNGE

SEPTEMBER 2018
• Mr. Rohit Mathur, CEO for Exponentia Datalabs has completed his Bachelors
Degree in Mechanical Engineering from IIT Kanpur and MBA from ISB
Hyderabad. He has over 10 years experience in area of technology
development, investment banking for healthcare, pharmaceuticals and life
science sectors.

• Data was initially not used for decision makings. Decision making was earlier
based on the gut feelings and thumb rule. That’s where he decided to create
something that can help organization to solve problems using data.

• Entrepreneurship: Initially worked with a set of founders thus giving him the
confidence to start his own firm. Understood the lifecycle from ideation to
execution of company.

• What Next: The dream is to make the organization big, globally.

Transformation of organisation from Services based to Innovation driven.
Values are changing from flawless deliveries to innovative ideas.
• About Exponentia: The company is a big data analytics company to solve business
problems using data. Organisations accumulate tons of data but are not able to
use this data for the well being of the business and strategies. Working on
artificial intelligence and build systems.

• Team forming- Getting right people is not easy. Acquiring customers is most
difficult thing. Wanted to have a sustainable organisation without having to
depend on any investors.

• Company Vision: Many Innovations and many products. Growth will be the key
factor.

• Data Analytics as an Industry: It is multi billion dollar industry growing at a very

rapid pace. Growing at a rate more than 20%. Analytic jobs are increasing by the
day as compared to other industries.

• India entered into Analytics lately but it is growing at a much faster rate. However,
there isn’t enough skilled man force as it is a niche industry.
• SWOT Analysis of Industry:
 Strength- No industry can go without Analytics.
 Weakness- Skilled men are not found.
 Opportunities- Huge gap between Demand and Supply analysis.
 Threats- Artificial Intelligence.

Describing Mr. Rohit Mathur

• First thing in office- Takes checklist of work to be done .

• Strength- Agility

• Weakness- Restless

• Mr. Rohit Mathur in one word-

• Exponentia- Passion

• Another Profession- Sports.

MR. T.C.PATTABIRAMAN
CFO, SEALED AIR CORPORATION

WELINGKAR PROJECT- WE LOUNGE

SEPTEMBER 2018
• Mr. T.C.Pattabiraman, is a person who consistently challenged and receives
challenges from Status Quo and a natural leader. Worked with Hyundai as head
of Planned Finance. Currently he is CFO at Sealed Air Corporation. He has
pursued CA Degree.

• Journey- He experienced challenging journey from CA till now. He started his

career in the finance domain.

• Diversity is about respecting people. Human Being to Human is one language

irrespective of which language they possess. Once you deploy diversity as
culture, it is no more a great concern.

• Today, end of financial year is just a other month due to vast expansion of
technologies.

• Accounting should be a supporting function and facilitating business and

shouldn’t be driving the business in an organisation and thus, he doesn’t have to
many views on creative accounting.
• Sealed Air Corporation- In 2011, Sealed Air Corporation acquired Diversey
creating a global leader in food safety, hygiene and product protection.

• Culture is the performance. In last 50years grew at 20% growth. The average
age of the employees is 35. Motivation becomes a key factor besides, it is
necessary to show them the development path. Money and compensation
stays upto a certain time.

• Finance Industry- Finance Industry has undergone big change. In next 5 years
there would be great change if India opens up to Technology, Taxation etc..
Persons who are willing to take the challenges can survive in this Industry.

• As per Global Cleaning Standards, India’s standard is quite low. Financial

industry and market needs a long way to go.

• A wish for RBI- RBI-Use technology to take banking to all people. The RBI
needs to focus on growth as opposed to focusing on inflation in the country.
 Describing Mr. T.C. Pattabiraman

• First thing in office – There’s no definition of a physical office.

• Likes- Good opportunity to visit countries and develop people.

• Dislike- Some people continue to have the concept of accountant.

• Secret of Success- Blessed with a good people.

• Next 5 years plan- CEO in the company.

• Pay from first job- Rs. 4150

• Strength- Confident and a courageous person.

THANK YOU