PRESENTATION

FOR VIVA
Siddhesh Dhotre
HPGD/JL20/1852
 ANNEXURE 1

UNDERTAKING BY STUDENT

I MR. SIDDHESH DIPENDRA DHOTRE, HAVING ADMISSION NO. HPGD/JL/20/1852, DECLARE THAT PROJECT WORK
DONE FOR PROJECT WE LIKE IS MY OWN WORK CONDUCTED AS PART OF MY SYLLABUS.

I FURTHER DECLARE THAT PROJECT WORK

HAS BEEN PREPARED PERSONALLY BY ME AFTER VIEWING THE CONTENT UNDER ‘WE TUBE, WE LOUNGE AND
NEWSWIRE’ AND IT IS NOT SOURCED FROM ANY OUTSIDE AGENCY OR ANY OTHER STUDENT.

I UNDERSTAND THAT, ANY SUCH MALPRACTICE WILL RESULT INTO I BEING DEBARRED FOR THE SUBJECT VIVA AND
WILL BE CONSIDERED FAIL FOR THAT SUBJECT. I ALSO UNDERSTAND THAT I WILL HAVE TO FACE VERY SERIOUS
CONSEQUENCES AND MY ADMISSION TO THE PROGRAM WILL BE CANCELLED WITHOUT ANY REFUND OF FEES. I AM
ALSO AWARE THAT, I MAY FACE LEGAL ACTION, IF I FOLLOW SUCH MALPRACTICE.

I HEREBY ABIDE TO TAKE THE VIVA FACULTY’S DECISION AS FINAL FOR EVALUATION OF PROJECT WE LIKE.

__________________________
SIGNATURE OF CANDIDATE
NEWSWIRE
EDUCATION LOAN
DEMAND HITS NEW HIGH
DESPITE PANDEMIC

Economic times
Education loan companies – which include banks and non-bank lenders – have disbursed Rs
11,000 crore loans in the 12 months through September 2020, according to data from CRIF High
Mark, a credit bureau.
1. Demand for education loans rose to a record level in 2020, a year when most schools and colleges in
India and across the world were forced to conduct classes online due to the pandemic.
2. Education loan companies – which include banks and non-bank lenders - have disbursed Rs 11,000
crore loans in the 12 months through September 2020, according to data from CRIF High Mark, a
credit bureau. A bulk of the disbursals happened through the pandemic period with more than 3 lakh
new borrowers signing up for loans between March and October 2020.
3. As of October 2020, the outstanding education loans totaled Rs 1 lakh crore, the highest on record.
4. Loan Ticket Size:
Overseas Courses – Rs.50 lacs to over a crore
Domestic executive education programs - Rs 5-6 lakh to Rs 15-20 lakh
Short-term upskilling courses – Rs 2-3 lakh
HOME LOAN DEMAND
RISING IN MID, HIGH-
RANGE SEGMENTS

Economic times
A total of around 46 per cent of the consumer preference is now in the range of Rs 30lakh-Rs 1 crore and
above category, with most of the demand being generated from thekey residential markets of Bengaluru,
Hyderabad and Delhi.
Demand for home loans in the mid and high-range segments is on the rise, showed asurvey by Magicbricks.
It showed that that nearly 38 per cent consumers want to take a home loan ranging between Rs 30 lakh and
Rs 1 crore.
A total of around 46 per cent of the consumer preference is now in the range of Rs 30 lakh-Rs 1 crore and
above category, with most of the demand being generated from the key residential markets of Bengaluru,
Hyderaba dand Delhi.
The Magicbricks report said that the demand revival canbe attributed to several reasons like need for an
extra roomdue to 'work from home' (WFH), reduction in circle rates,stamp duty and low interest rates.
Besides home loans, loan against property (LAP) and balance transfer seems to be gainingcurrency in terms
of consumer preference
DIGITAL FINANCE
HELPED CFOS OBTAIN
PANDEMIC AID

CFODIVE
• Dive Brief:
Government aid is especially effective when allotted through digital payment channels using
digital IDs and simple data on businesses and individuals, McKinsey said in a study of 12
government disbursement programs in seven countries — the U.S., U.K., Brazil, India, Nigeria,
Singapore and Togo.

Before the pandemic, McKinsey estimated that a country that adopts digital ID to a wide range of
contacts between individuals and both government and nongovernment institutions could increase
GDP from 3% to 13% by 2030.
• Dive Insight
The crisis has underscored the resilience and flexibility that a robust financial infrastructure
for SMEs [small and medium-sized enterprises] and individuals provides, and thus its
importance as acritical tool for responding to unexpected and potentially catastrophic events,"
McKinsey said.

Digital finance in the U.S. helped CFOs obtain pandemic aid last year, speeding the
disbursement of rescue loans under the Small Business Administration's (SBA) $525 billion
Paycheck Protection Program (PPP).
DON’T HAVE TAXABLE
INCOME? YOU STILL NEED TO
FILE INCOME TAXRETURN IN
THESE CASES

financialexpress
If you are an Indian citizen and your gross total income exceeds the taxable limit in a financial year,
then you are required to file your income tax return (ITR) for that year. Similarly, those whose
income does not exceed the taxable limit in a financial year are usually not required to file their
return of income. However, this may not be true in all the cases and some people may be required to
file ITR even if their gross total income doesn’t exceed the taxable limit.
if the above income threshold is not met, then an individual may be obliged to file the income-
tax return in certain cases specified in the law as under:
• Individual holding any asset (including financial interest in any entity) located outside India
Or
• Individual having signing authority in any account located outside India
Or
• Individual being beneficiary of any asset (including financial interest in any entity) located
outside India
The budget 2019 also added the below categories of individuals which are mandatorily required to
file the tax return :
1. Individual who has deposited a sum of more than Rs 1 crore in a financial year in any current
account held with a bank or a co-operative bank.
2. Individual who has made an expenditure on foreign travel of more than Rs 2 lakh in a
financial year.
3. Individual who has incurred electricity expenses of Rs 1 lakh or more in a financial year.
EQUITY LINKED SAVINGS
SCHEME: WHY ELSS IS THE
BEST TAX-
SAVINGINVESTMENT OPTION

financialexpress
Most of the taxpayers evaluate various tax-saving investment options as they get closer tothe last
quarter of the financial year. However, with limited financial literacy and multiple optionsavailable
under Section 80C, investors often end up investing in sub-optimal tax-saving optionsgenerating lower
returns with restricted liquidity.
• Lowest lock-in period :
Among all the Section 80C options, ELSS comes withthe lowest lock-in period of just 3 years.
Other investmentoptions eligible for Section 80C deductions like ULIP, NSC,tax-savings FDs
come with a lock-in period of 5 years.Meanwhile, PPF comes with a lock-in period of 15
yearswhereas NPS stays locked-in till retirement with very limitedoptions for premature
withdrawals. Thus, ELSS funds offerthe highest liquidity among all the investment options
eligiblefor Section 80C deductions.
• Higher wealth creation potential:
Being diversified equity funds, ELSS primarily invests in equities and equity-linkedinstruments
from across the market capitalization, sectors and themes.ELSSfunds can generate higher
returns than other Section 80C fixed income instruments like NSC,PPF, tax-saving bank FDs,
etc. The feature of 3 year lock-in period in ELSS also reduces theredemption pressure on their
fund managements, allowing them to take a more long-term view ofthe market than other open-
ended funds.
• Tax-free returns on LTCG of within 1 lakh:
Gains made from equities redeemed after 1 year of investment are considered as long-termcapital
gains (LTCG). LTCG on equities of up to Rs 1 lakh in a financial year is tax free whereasLTCG
exceeding Rs 1 lakh in a financial year is taxable @ 10%. Among other Section 80Cinvestment
choices, PPF comes with tax-free maturities whereas interest earned from tax savingFDs and KVP
are taxable as per the investors’ tax slab. For ULIPs, the entire maturity proceedsare taxable if the
premium paid exceeds 10% of the sum assured.
• Factors to consider before investing in ELSS:
1. Analyse your risk appetite
2. Compare their past performance
3. Avoid opting for dividend option
4. Opt for direct plans of ELSS
RBI TIGHTENS NORMS FOR E-PAYMENTS

Auto ET
“The regulator has taken a holistic approach to this segment because digital payments, whichhave
become mainstream today, will become the primary mode of payments in future. Theseguidelines
will go a long way in developing trust and bringing scale,” said Paytm founder VijayShekhar
Sharma.
It requires banks that use third-party apps for digital transactions to have the apps’ source code
inescrow should the vendor be unable to provide services. It is not clear whether this is applicable
for onlyproprietary apps of the bank developed by third-parties or all third-party apps.
Bankers say that this regulation could have far-reaching implications if it is applied to third-
partyapps for the Unified Payments Interface (UPI). Currently, banks are responsible if there is
any data breachfrom a third-party unregulated entity. In UPI payments, the market is dominated
by third-party appsGoogle Pay and PhonePe with Amazon and WhatsApp preparing to play a
larger role.
The new directions issued by the RBI apply to all commercial banks, small finance banks,payment
banks and credit card-issuing non-banking financial companies (NBFCs). This is the first timethat
the central bank has got into the operational part of digital payments. Earlier, the central bank had
leftit to the National Payments Corporation of India to set the ground rules, both as a service
provider and asa quasi-regulator.

The directions further require banks to do security testing, including review of source
code,vulnerability assessment (VA) and penetration testing (PT) of their digital payment apps. This
is to assurethat the application is secure for putting through transactions, while preserving
confidentiality and integrityof the data that is stored and transmitted.
NEW GST RETURN FILING
SYSTEM: HOW “QUARTERLY
RETURN
MONTHLYPAYMENT’
SCHEME HELPS SMALL
TAXPAYERS”
financialexpress
• GST council meet held
• Details of QRMP scheme
• Date of application
• Payments Methods
• GST council meet held :5th October,2020.
• Details of QRMP scheme: QRMP means “Quarterly Return And Monthly Payments”
• Taxpayer has to furnish IFF(Invoice Furnishing Facility)B2B invoices for first two months
so recipient of such outward supplies get these invoices in their respective GSTR 2A and
GSTR 2B and due date for this is 13th of the succeeding month.
• Eligible Criteria: A register person who have Aggregate Annual Turnover is up to 5 Cr in
P.Y.
• Date of application: Applicable from 01.01.2021
• Payments Methods :
1. Fixed Sum Method:
Under this for generating a prefilled challan in FORM GST PMT -06 for an amount of equal
to 35% of the tax paid in cash in preceding quarter or equal to tax paid in cash in the last
month of preceding quarter.
2. Self Assessment Method:
Under this said person can pay the tax due by considering the tax liability on inward and
outward supplies and input tax credit available, in FORM GST PMT-06.
GST OFFICERS TO SOON
HAVE REAL-TIME DATA ON
VEHICLES MOVING
WITHOUT E-WAY

financialexpress
The government is working on a system to soon provide report to GST officers on a real-time basis
for those vehicles which are moving without e-way bills, to help intercept stuck trucks at toll plazas
and check GST evasion.
Under the Goods and Services Tax (GST) regime, e-way bills have been made mandatory for inter-
state transportation of goods valued over Rs 50,000 from April 2018. However, gold is exempted.
The government is now working on a 'Real-time and Analysis Reports on RFID' for GST officers to
help them nab tax evaders who are misusing the e-way bill system.
In a report on 'E-way Bill - A journey of three years', the government said 180 crore e-way bills
have been generated in three years till March 2021. Of this, only 7 crore bills were verified by tax
officers.
Details of e-waybills verified by tax officers in some years:
• In 2019-20 fiscal ,ended March 2020 62.88 crore e-
way bills generated and of which 3.01crore was picked up for verification.
• In 2020-21fiscal,ended March 2021 61.68 crore e-way bills generated and of which 2.27 crore picked
up for verification.
The maximum number of e-way bill generated for inter-state movement states are Gujarat, Maharashtra,
Haryana, Tamil Nadu and Karnataka.
Top five sectors where maximum e-way bill generated in past three years are textiles, electrical
machinery, machinery and mechanical appliances, iron and steel, and automobiles.
o improve tax compliance, the government has also started blocking of EWB Bill generation if a GST
registered taxpayer has not filed GSTR- 3B return for the last two successive months.
Real-time report on vehicles moving without e-Way bills for a selected toll plaza would be made
available to officers to help them intercept only those vehicles which are not having e-waybills
WHAT DOES ETHEREUM
CRYPTOCURRENCY
MEAN?

bigdataanalyticsnews
ETHEREUM CRYPTOCURRENCY

1. Meaning if Cruptocurrency
2. Where Ethereum Can Be Bought
3. How To Buy Ethereum
Ethereum is an open-source framework that enables developers to
use a decentralized application network to communicate and
collaborate with clients and others. Ethereum functions as a team
across a worldwide network of machines working together to validate
transactions rather than focusing on a single centralized application
point.
SINGLE ENTRY SYSTEM –
TYPES AND BENEFITS

marketing91
In a single entry system of accounting, there occurs one entry for one transaction, either it is
anincome or expense account. A cash book is one of the most common single-entry bookkeeping.

Accounting involves the methods of recording and classification of financial transactions measurable in monetary
terms. These are then studied and reported to analyze the strength of the account.

Two main techniques of accounting are – Single-Entry and Double-Entry Bookkeeping.

Single-Entry bookkeeping is an accounting technique that records the transaction in a single account only.
Types of Single entry system:
Pure Single Entry: Just personal accounts are incorporated into this.
Simple single Entry: Only Cash and Personal accounts are used for entries.
Quasi single Entry: Single-Entry bookkeeping is an accounting technique that records the transaction in a single
account only.
Examples of Single entry System:

DATE DESCRIPTION AMOUNT

01.01.2020 Initial Balance Rs.50,000
04.01.2020 Electricity Bill Rs.-500xhr0 (Expense)
09.01.2020 House rent received Rs.10,000 (Income)
20.01.2020 Remaining Balance Rs.55,000
1. Advantages of Single Entry System:
• simplicity to comprehend and calculate the account details
• Only with a disciplined and date-wise record of the company’s transactions can the account be
made with few simple calculations.
• the budding start-up or company can cut down additional expenses of investing in costly
account software or high-paid CA personnel
• A simple Excel software can do the deed for them.
• Disadvantages of Single Entry System:
• it does not include account intricacies like inventory, account receivable, or account payable.
• it is impossible to track the history of assets and liabilities of the company.
• In the long run, if the company wishes to sell itself out to a potent investor, without an overall
financial picture, it isn’t easy
• It does not serve the purpose as the dates on inflow and outflow shall not be synonymous
WE TUBE
FISH FHILOSOPHY

Prof. Mrunal Lamge

Learings:
• A Remarkable way to boost morale and improve results.
• A philosophy started by the Pike Place Fish Market in Seattle, Washington
• Its all about engaging people and create positive changes at their workplaces and home
lives.
• Fish philosophy is a skill that provides the process, tools and language to generate the
skills necessary to design a workplace full of inspiration, Creativity and innovation.
• It is committed to creating a culture of trust, accountability and innovation.
• It encourages to re-awaken the self –trusting, creative spirit within each of us.
• Ingredients of FISH philosophy:
1. Attitude –Accepting responsibility of choice & attitude
2. Play – Big baby’s in big bodies, Fun leads creativity
3. Make their days – Create great memories, Involving others
4. Be present – Be focused ,Fully engaged in work.
Why FISH?
Inspire team work
Foster Creativity
Build effective relationship to facilitate communication of ideas and goals.
Stimulates thinking to create worker friendly work place
Make people feel values
Retain employees
MUTUAL FUNDS
Prof. Amit Oak
What is Mutual Fund?
Mutual fund is a collective investment that allows many investors, with a common objective ,to
pool individual investment and give to professional manager who in turn would invest these
monies line with the common objective.

Operation Flow Chart:

Investors

Returns Fund Manager

Securities
History of Mutual Fund:
• Phase I (1964-87)
Set up by RBI, de-linked later
Act of Parlament
First Scheme U/s64,still outside SEBI preview

• Phase II(1987-93) Entry of PSU Banks/FI’s

SEBI in 87,LIC in 89,Indian Bank in 90.

• Phase III(1993-95)Entry of Private Players

• Phase IV(1993 Onwards)SEBI regulation of Mutual Funds.

Types of Mutual Funds:
1. By Constitution:
Open End: No fixed maturity, Variable Corpus, Not Listed, Buy from and Sell to
fund,Entry/Exit at NAV related prices
Closed End: Fixed Maturity,Fixed Corpus,Generally Listed,Buy and Sell in stock
exchanges,Entry/Exit at market price.
2. Investment Objective/Pattern:
Growth:Equirty
Income:Debt
Balanced:Equity and Debt
Money Market:Liquid Debt
Tax Saving:Equity
Assured Return:Equity and D ebt
1. Other equity oriented funds:
Hybrid Funds
balanced Funds
Growth & Income Funds
Asset Allocation Funds
Commodity Funds
Real Estate Funds
Why Mutual Funds?
Stock Markets are very sophisticated
Free pricing and integration with world markets
Time ,Knowledge and luck
Substantial capital for diversification
INSOLVENCY &
BANKRUPTCY CODE, 2016
(IBC)
Prof. Abasaheb Chavan
Bankruptcy code – A comprehensive compilation of laws,rules and regulations pertaining to
the subject of bankruptcy law in india.
There is a slew of legislation governing the legal framework,which includes :
1. Companies Act,2013
2. Sick Industrial Companies(Special provisions) Act 1985
3. Recovery of Debs due to Bank and Financial Institutions Act 1993
4. Securitisation and Reconstruciton of financial Assets and Enforcement of security interest
Act 2002(Amendment Bill 2016 introduced before the lock sabha)
5. Presidency Towns Insolvency Act,1909
6. Provincial Insolvency Act,1920
7. Forums such the Debts Recovery Tribunals, Company Courts and the National Company
Law Tribunal(Proposed by the Companies Act and not yet in force)
8. Single piece of legislation to connect the various insolvency laws has been on the cards
for sometime.
Why Insolvency and Bankruptcy Code,2016(IBC)?
 The Current Indian Bankruptcy regime is highly Fragmented having multiple judiciary forums
resulting lack of clarity.
 Decisions are often appealed ,stayed or overturned by judiciary forum
 Delays in closure of unviable business since the standstill mechanisum has been misused by
corporate debtors.
 Secured and unsecured creditors, employees ,regulatory authorities have different and often
competing rights with no common regulatory process to determine the priority of claims.
 Lack of credible data regarding the assets, indebtedness and security situation of companies.
 Entire process of winding up is very long-winded, with courts, Debt Recovery Tribunals(DRT)
and the Board for industrial and Financial Reconstruction(BIFR) and all having a say in the
process that
 Current system does not address the interest of unsecured creditors (such as Bond holders
etc.)foreign creditors or institutions other than Banks(NBFC’s etc)
 Creditors would not be stymied by red-tape and promoters will directly become accountable for
any financial lapses.
FOREIGN EXCHANGE
Prof. B. B. Bhattacharya
Foreign Exchange means foreign currency and includes deposits, credits and balances payable in
any foreign currency, drafts ,traveller cheques,L/Cs or B/Es
Expressed or drawn in INR but payable in foreign currency,Drafts,T/C’s,L/C’s, or B/E’s drawn
by banks, institutions or persons outside india but payable in INR.

Foreign Exchange Acts:

1. Exchange Control -1939
2. FERA – 1947
3. FERA -1973
4. FEMA -1999(Come into effect from 1st June,2000)

Basic Difference between FERA and FEMA:

The Foreign Exchange Regulation Act The Foreign Exchange Management
(FERA) Act(FEMA)

Aims to Control Forex Manage Foreign Forex

Stipulated specific and general Permit all current account transactions
permission for forex transaction with some exceptions
Violation treated mostly as criminal Civil law with no criminal liability
offence
 FOREX MARKET STRUCTURE

Reserve Bank Of India

Authorise Delears

• Participants in Foreign Exchanges:

1. Corporates Customers

2. Commercial banks and brokers

3. Central Banks

4. Role of speculators

• Reasons for exchange rate fluctuation:

1. BOP
2. Economy
3. Fiscal Policy
4. Interest rates

5. Monetary Policy

6. Political Factors

7. Exchange Control
8. Intervention

9. Speculation
10. Expectation
PERSONAL BUDGETING
Prof.Raj Kumar
What is a Budget?
• Budget is an itemized summery likely income and expenditure.
• A plan for the coordination of resources and expenditure.
• Budget provides a concrete , organized and easily understood breakdown of how much money
in coming and how much going out.
Why Budgeting is important?
• Identifies and help to achieve financial goals
• Manage money
• Directs money flow
• Increase Savings
• Adapt quickly as financial situation changes.
• Budget will breakdown expenses and surprises to see where the hard money is going
needs and wants.
• It will decrease the stress level
• Provide sense of financial security.
Seven steps to effective personal Budgeting:
1. Choose a system
2. Determine income
3. Determine expenses
4. Compare Income and Expenses
5. Determine Financial Goals
6. Improve Situation
7. Review and evaluate progress
WE LOUNGE
IDBI FEDERAL LIFE
INSURANCE
Mr. Apurva Sircar
Professional Journey
Mr. Apurva Sircar is currently work as a Head- Brand, Insights, PR & Digital
Marketing VP at IDBI Federal Life Insurance.
He said his first job is a trainee HO time event. He spend there month of half or he
learn there how to execution of event and that time his age is around 18 to 19.
He shared his learning experience when he was work in execution event.
He said he work in launch of Hero Honda Karisma bike and then after he handle
Ketchup range he say he seen bad days because they launch at a very premium price
brand then Kisan and Maggy. Mr. Sircar spend 1 and half year and in that they learn
how to managed consumer perception. After that in April 2008 he start work in
launching kotak card he say 2008-09 year is very worst year because in that day sub
prime crises hit to US market and after that he work in Birla Life insurance and after
that he start work in IDBI life insurance.
Mr. Sircar also teach IMS student, Engineering student and graduation student how pass out recently and
that day he relies children are studding for pass exam not for learn something new so this reason he start
interacting with young/bright mind.
When Mr. Sircar work in Birla Life insurance in relies Birla life insurance in channel marketing they work
in develop his channel and in IDBI Federal Life Insurance Mr. Sircar observe this advantage is missing
because in IDBI Federal try to sale insurance in the shadow of IDBI bank therefore he try break away from
shadow of bank and try to establish independent identity.
For maintain culter he take many initiative like they enhance people, Satisfaction from organization, they
start flex working hours or start work at home policy.
The one think Mr. Sircar most like in his job is not only for his own but his entire team is opportunity to
experimental learn.
Mr. Apurva Sircar said massage to student is:-
1. Don’t hesitated or scared to experiment some think new.
2. Be disciplined in life.
3. Be focused in life.
FOUNDER AND DIRECTOR
OF ZIP CASH

Mr. Vivek Saxsena

Professional Journey
Vivek has an MBA in Finance and Marketing from Welingkars, University of Mumbai and has done his B.Sc (Physics) from St.
Xaviers College Mumbai.
Currently he is Director and founder of Zipcash Card Services Pvt. Ltd.
He said he start his professional career with Mindshare and then Wipro Infotech Ltd and then Microsoft.
Prior to ZipCash, Vivek has spent 6 years in various senior management roles at Microsoft. In his last assignment as Industry
Manager Retail, he was responsible for formulating Microsoft entry strategy for the Retail vertical in India, which included
building up the team, setting up the Partner ecosystem and bringing in best practices & learning from Microsoft globally.
Mr. Vivek shared his experience about Zipcash or they shared how zipcash idea come in his mind. He said at that time every
think is go digital like communication, movie, train or bus ticket booking go digital So in that digitalization time they try to
made currency digital for remove challenges of transation.
At the start of zipcash Mr. Vivek face some challenges in that was change customer mind because at time people very used to
with carry cash in his wallet.
He said in Zipcash currently have 22 people.
ZipCash is a mobile voucher loaded on your mobile phone.
Uses of Zipcash :- shopping online, paying your utility bills, buying prepaid mobile talk time/ DTH recharges, buying
mVouchers for other Retailers.
He said the main defining factor to reach customer is to provide good service to his customer.
He explain how secure is it to transact via ZIpCash:
1. Every transaction has to be authorized by your PIN which is only know its user
2. All online transactions need an authentication code to be entered. This authentication code is sent to
the mobile number associated with your ZipCash account
3. Transaction will not be completed without entering this authentication code
4. ZipCash has strong anti-spamming guidelines to ensure that your mobile number is never shared for
any marketing purposes unless opted for by you. 
PRESIDENT, ALEMBIC
PHARMA LTD

Dr. Vinay Nayak

Professional Journey
Currently associated as president of Alembic Pharmaceutical Ltd.
Earlier he worked with Watson, Cipla Pharmaceutical Ltd, Lupin Pharmaceutical Ltd.
A person recognized for his turnaround with excellent leadership Quality.
Dr. Nayak one of the very few people of Indian Pharmaceutical industries who
become a business head with a Quality background.
He spoke on his strength with positive attitude and to look forward with positive
outlook.
Dr. Nayak Hold a great respect in the Quality circle of Pharmaceutical and Health care
Industry, and also a Life member of IPA of board of Parma Journal.
Being scientific member of IPC & advisory board member of USP and also member
board studies in Chemistry of Mumbai University.
Being a curious person, he always like to learn new things, he always like to add value
to what he have and also shared that he is lead speaker to most of the conference of
India.
He believe on learning and implement something new in the organization.
He explained when he joined the Lupin, he spoke that time Lupin was not
financially doing well that time they had invested money in real estate business and
they suffered huge loss. That time he joined Lupin and he give reason he wanted
make his name as turnaround guy for every company.
Developed new culture work in Lupin, he used his skill and technique and
developed the laboratory into higher and facility with minimum expense.
Presently associated with Alembic phama Ltd, which is leading Pharmaceuticals
company in India.
He communicated about the Global Pharma Community and its impact on India.
THANK YOU