- D. N. Sharma
- S. M. Tripathi
- R. Srivastava
- Shakti Desh
- D. S. Bhati
- B. S. Sidhu
- Seema Jasuja
- J. R. Verma
- Kuldeep Kumar
- Madhu Rani
- Sanjeev S. Thakur
- R. T. Arasu
- V . S. R. Subhramanyam
- A .V. S. Murthy
- R. K. Kar
- N. C. Mehrotra
- S. N. Swamy
- R. S. Rawat
- R. Pratap
- R. C. Gupta
- R. Chander
- A. K. Khanna
- Vinita Singh
- N. K. Kapoor
- D. Raina
- S. Singh
- A. Ghatak
- O. P. Asthana
- S. Nityanand
- Sukh Dev
- Nitya Anand
- Vandana Gupta
- Madhuri Agrawal
- Yukti Gill
- Deepa Agnihothri
- B. P. Singh
- D. K. Mishra
- Sarika Tripathi
- Priti Singh
- Satyendra Singh
- Pratap Singh Patwal
- Sachin D. Ghude
- G. S. Bhat
- Thara Prabhakaran
- R. K. Jenamani
- D. M. Chate
- P. D. Safai
- A. K. Karipot
- M. Konwar
- Prakash Pithani
- V. Sinha
- P. S. P. Rao
- S. A. Dixit
- S. Tiwari
- K. Todekar
- S. Varpe
- D. S. Bisht
- P. Murugavel
- Kaushar Ali
- Usha Mina
- M. Dharua
- J. Rao
- B. Padmakumari
- A. Hazra
- N. Nigam
- U. Shende
- D. M. Lal
- B. P. Chandra
- A. K. Mishra
- A. Kumar
- H. Hakkim
- H. Pawar
- P. Acharja
- Rachana Kulkarni
- C. Subharthi
- B. Balaji
- M. Varghese
- S. Bera
- M. Rajeevan
- Richa Aishwarya Jogi
- Pratima Singh
- Neeraj K. Gangwar
- Shyama N. Prabhu
- Raghavendra Yadav
- Rahul Kumar
- V. K. Verma
- Sanjai Chaudhry
- Vishram Singh
- Mohd. Aslam
- Sohanveer Singh
- Neetu Sharma
- Amrita Dwivedi
- J. D. Pandey
- S. B. Upadhyay
- Priyanka Mishra
- R. N. Shukla
- M. Ali Khan
- Kusum .
- R. Rania
- P. K. Verma
- N. K. Pankaj
- V. Kant
- J. Kumar
- Anju Saxena
- Deepa Agnihotri
- N. Chattopadhyay
- A. K. Sahai
- P. Guhathakurta
- S. Dutta
- S. D. Attri
- R. Balasubramanian
- K. Malathi
- Swati Chandras
- K. C. Sharma
- D. V. Deshpande
- Indian Forester
- Indian Journal of Health and Wellbeing
- Agriculture Update
- International Journal of Plant Sciences
- Journal of Geological Society of India (Online archive from Vol 1 to Vol 78)
- Current Science
- International Journal of Education and Management Studies
- Nature Environment and Pollution Technology
- Journal of Ecophysiology and Occupational Health
- Indian Journal of Science and Technology
- Asian Journal of Management
- Toxicology International (Formerly Indian Journal of Toxicology)
- Asian Journal of Bio Science
- Journal of Pure and Applied Ultrasonics
- Indian Journal of Society and Politics
- IAHRW International Journal of Social Sciences Review
- International Journal of Agricultural Engineering
- The Microfinance Review
- Journal of Rural Development
A B C D E F G H I J K L M N O P Q R S T U V W X Y Z All
Srivastava, A. K.
- Pteridophytic Flora of the Forests of Gorakhpur District
Authors
Source
Indian Forester, Vol 95, No 8 (1969), Pagination: 526-531Abstract
This communication presents the first comprehensive account of the pteridophytic flora of the forests of Gorakhpur district and is a result of the authors' several excursions to these forests. These areas being fairly moist exhibit a luxuriant growth and display of ferns whose number, however, is not very large. In all 22 species of ferns and fern allies belonging to 13 families have been classified according to their ecological habitat and enumerated with their important distinguishing characters and precise distribution. Names of species have been accompanied by only relevant synonyms. It is expressed that such a treatment is likely to be of considerable help for future collectors.- Pteridophytic Flora of South Western Nepal
Authors
Source
Indian Forester, Vol 96, No 2 (1970), Pagination: 111-119Abstract
The south western regions of Nepal adjoining Gorakhpur District have been botanized to study the pteridophytic flora. In all 55 species of ferns and their allies representing 29 genera belonging to 13 families have been collected and enumerated. The species have been classified on the basis of their ecological habitat and their relative prevalence has been recorded on visual estimation. Attempt has been made to bring the nomenclature up to date. The importance of such investigations for future collectors and for cytotaxonomical studies has been stressed.- Mentha piperita Linn.-a New Host of Alternaria tenuis Auct
Authors
Source
Indian Forester, Vol 97, No 1 (1971), Pagination: 34-34Abstract
A severe leaf blight of Mentha piperita Linn. Caused by Alternaria tenuis Auct. is described. Detailed description of the pathogen is given. Pathogenicity test revealed that A. tenuis Auct. Acts as a weak pathogen.- A Comparative Study of Different Pattern of Educational System and its Effect on the Personality
Authors
1 Sahara Welfare Foundation Academic Achiever Project, Lucknow, U. P., IN
2 D.A.V. College Kanpur, IN
Source
Indian Journal of Health and Wellbeing, Vol 5, No 1 (2014), Pagination: 1-8Abstract
Present study was conducted to study the personality traits of adolescents studying in different pattern of education system. 400 adolescents randomly selected in the age range of 14 16 yrs studying in different classes from each type of urban educational institutions (Public & Convent English Medium, state Government and Govt. aided schools, Hindu Religious School & Pvt. Recognized Schools) were selected from Kanpur, Lucknow and Haridwar for the study . It included both male & female adolescents all the students taken in the sample at the three years of the stay in the institutions. personality inventory by Cattell and Beloff (1963) translated in Hindi by Kapoor and Rao was use for study. Result shows that Out of 14 factors adolescents were found differing significantly on factors i.e. B, C, E, G, J, Q2, Q3, and I. An important point to be noted is that Hindu religious schools were found to be promoting better personality traits among adolescents, in comparison to adolescents belonging to the rest of groups.Keywords
Child and Adolescents, Personality, Education Effect- A Comparative Study of Different Pattern of Educational System&it's Effect on the Mental Health of Adolescents
Authors
1 Sahara Welfare Foundation, Lucknow, U. P., IN
2 D. A. V. College, Kanpur, U. P., IN
Source
Indian Journal of Health and Wellbeing, Vol 5, No 2 (2014), Pagination: 282–287Abstract
Present study was conducted to study the mental health of adolescents studying in different pattern of education system. 400 adolescents randomly selected in the age range of 14 - 16 yrs studying in different classes from each type of urban educational institutions (Public and Convent English Medium, state Government and Govt. aided schools, Hindu Religious School&Pvt. Recognized Schools) were selected from Kanpur, Lucknow and Haridwar for the study . it included both male and female adolescents all the students taken in the sample at the three years of the stay in the institutions. Result shows that school environment affect the mental health of adolescents. For the development of better Mental Health Hindu Religious Schools (Group C) provide the best atmosphere and then comes state Government and Govt. aided schools (Group B); Private recognized schools (Group D) have found of too low Mental Health in comparison to the rest type of schools.Keywords
No Keywords- Extent of Knowledge of Farmers Friends (krishk Mitras) on Different Agricultural Aspects
Authors
1 Krishi Vigyan Kendra, SRIGANGANAGAR (RAJASTHAN), IN
Source
Agriculture Update, Vol 9, No 3 (2014), Pagination: 373-376Abstract
Abstract not Given.Keywords
Farmers Friends, Extent of Knowledge, Agriculture Training Programme- Study of Genotype Dependent Response against Treatment of As+Se in Barley
Authors
1 Department of Botany, C.C.S. University, Meerut (U.P.), IN
Source
International Journal of Plant Sciences, Vol 10, No 1 (2015), Pagination: 64-69Abstract
The present paper deals with the genotoxicity assessment of five partially tolerant and five non-tolerant accessions of Hordeum vulgare (barley) for the heavy metals arsenic and selenium in combination. The genotype dependent response was studied using ischolar_main meristem cytology. These two heavy metals in combination influenced mitotic division inducing various kinds of anomalies.Keywords
Hordeum vulgare, As+Se, Genotoxicity.References
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- Choudhary, S., Ansari, M.Y. Khalil , Khan, Z. and Gupta, H. (2012). Cytotoxic action of lead nitrate on cytomorphology of Trigonella foenum-graceum L. Turk. J. Biol., 36 (3) : 267- 273.
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- Kumari, M.V.K.S., Srivastava, A. and Singh, V.P. (2011). Cytogenetic effect of individual and combined treatment of Cd2+, Cu2+, Zn2+ in [Vigna radiata (L.) Wilczeck.] J. Phytol.,3(8):38- 42.
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- Mumthas, S., Chidambaram, A.L.A., Sundaramoorthy, P. and Ganesh, K. Sankar (2010). Effect of arsenic and manganese on ischolar_main growth and cell division in ischolar_main tip cells of green gram (Vigna radiata L.) Emir. J. Food Agric.,22(4):285- 297.
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- Utsunomiya, K.S., Bione, N.C.P. and Pagliarini, M.S. (2002). How many different kinds of abnormalities could be found in unique endogamous maize plant? Cytologia, 67: 169-176.
- Zou, J.H., Wang, M., Jiang, W.S. and Liu, D.H. (2006). Effect of hexavalent chromium(VI) on ischolar_main growth and cell division in ischolar_main tip cell of Amaranthus viridis L. Pak. J. Bot., 38(3): 673-681.
- Basin Configuration in Konkan Deepwaters: Western Indian Offshore
Authors
1 Deepwater Exploration Group, EBG, Mumbai Regional Business Centre, ONGC, Mumbai, IN
Source
Journal of Geological Society of India (Online archive from Vol 1 to Vol 78), Vol 53, No 1 (1999), Pagination: 79-88Abstract
The sedimentary patch in Konkan deepwaters, located west of the Konkan continental shelf contains over 3 km thick sediments. Based upon the interpretation of over 11,000 line km of seismic data, gross basin configuration model has been worked out. The basin floor at the base of Tertiary is differentiated into a series of rift zones containing synrift sediments. These zones are superimposed by post-rift sediments deposited as a result of flexurally distributed thermal subsidence. Therefore, the sediments in the basin are divisible into three distinct mega-seismic packages denoting three major tectonic habitats of the evolution of the Konkan continental margin. Based upon the basinal configuration of each mega-seismic package in space and time, tectono-sedimentary evolution of the continental margin is brought out with an assessment of hydrocarbon prospects.Keywords
Marine Geophysics, Seismic Data, Rift Tectonics, Hydrocarbon Prospects, Western Indian Continental Shelf.- Reworked Carboniferous Palynofossils from Panna Formation, Bombay Offshore Basin: Clue to Hidden Target for Hydrocarbon Exploration
Authors
1 Birbal Sahni Institute of Palaeobotany, 53 University Road, Lucknow - 226 007, IN
2 Keshab Dev Malviya Institute of Petroleum Exploration, Oil and Natural Gas Corporation Limited, Kaulagarh Road, Dehra Dun - 248 195, IN
Source
Journal of Geological Society of India (Online archive from Vol 1 to Vol 78), Vol 58, No 2 (2001), Pagination: 179-182Abstract
No Abstract.- 3β-Hydroxy-5,16-Pregnadien-20-One Exhibits both Hypolipidemic and Hypoglycemic Activities
Authors
1 Central Drug Research Institute, Lucknow 226 001, IN
2 Ambedkar Research Centre, Delhi University South Campus, New Delhi 110 021, IN
Source
Current Science, Vol 108, No 9 (2015), Pagination: 1634-1646Abstract
The increasing incidence of disorders due to metabolic syndrome, which include hyperlipidemias, diabetes and hypertension, has taken serious dimension world over, including in India, and has become a matter of deep concern. Drugs which can inhibit more than one disorder of this syndrome would add much therapeutic value to its management. 3β -Hydroxy-5,16- pregnadien-20-one (80-574, 2), selected based on the structural lead of the presence of a β -enone pharmacophore in/around ring D of Guggulsterone (1), the main active constituent of the phytopharmaceutical Gugulip developed at CDRI, Lucknow from the Ayurvedic herbal drug Gum Guggul, has been found to exhibit both hypolipidemic and hypoglycemic activities in the conventional experimental animal models used for studying these activities. In mode of hypolipidemic action studies in high fat diet-fed rats, compound 80-574 was found to enhance lipolysis of serum lipoproteins, enhance the uptake of LDL by hepatocyte membranes, indicating increased catabolism of LDL, and caused increased faecal excretion of bile acids indicating enhanced mobilization of cholesterol from fatty deposits. Compound 80-574 also exhibited antioxidant activity in in vitro and in vivo experimental models, and protected LDL against oxidation, indicating protection against atherogenesis. Compound 80-574 also exhibited moderate inhibition of cholesterol biosynthesis in liver slices. Treatment with 80-574 also improves glucose tolerance in diabetic rats. With these multiple sites of hypolipidemic action accompanied with its hypoglycemic activity, compound 80-574 appears a promising candidate for the treatment of dyslipidemias and diabetes and thus for management of metabolic syndrome. A synoptic view of the various functional activities exhibited by compound 80-574 is presented in this article.Keywords
Diabetes, Lipoproteins, Lipid Peroxides, Triglycerides.- Different Pattern of Educational System Effects on Creativity of Adolescents:A Comparative Study
Authors
1 Department of Child Psychologist Sahara Welfare Foundation, Lucknow, Uttar Pradesh, IN
2 Department of Psychologist, DAV College Kanpur, Uttar Pradesh, IN
Source
Indian Journal of Health and Wellbeing, Vol 5, No 7 (2014), Pagination: 89-94Abstract
The present study was conducted to study the creativity of adolescents studying in a different pattern of education system. A total of 400 adolescents randomly selected in the age range of 14-16 years studying in different classes from each type of urban educational institutions (Public and Convent English Medium, State Government and Government aided schools, Hindu Religious School and Private Recognized Schools) were selected from Kanpur, Lucknow and Haridwar for the study. It included both male and female adolescents all the students taken in the sample at the three years of the stay in the institutions. As per our finding in the present investigation Hindu religious schools have been found to provide best of atmosphere in their respective systems for development of creativity vice-versa it has been found of very low level in public and convent (Type A) schools, Central and State Government Schools too have not been found very high but they have provided significantly more better atmosphere in comparison to Public Convent English Medium and Private Schools.Keywords
Adolescents, Creativity and Education Effects, Schools Comparison.- Strategic Human Resource Management and Employees' Well-Being
Authors
1 Department of Psychology Banaras Hindu University, Varanasi, U.P., IN
2 Department of Psychology Vasant KanyaMahavidhyalaya, Kamachha, Varanasi, U.P., IN
Source
Indian Journal of Health and Wellbeing, Vol 4, No 4 (2013), Pagination: 864-867Abstract
Strategic human resource management (SHRM) or the so called high-performance work system (HPWS) have undoubtedly revolutionized the work scenario today, providing the competitive edge, higher productivity and profits to organizations which have adopted this system. But, the question worth investigating is whether the SHRM systems are equally benefiting the employees, or, are the employees being unduly taxed by the high work pressure and work-intensification leading to their job-dissatisfaction and poorer health? A growing research efforts focusing on this problem show controversial results, indicating innovative HRM policies as embodying 'mutual gains' for the employers and employees, or constituting more a vehicle for work-intensification and beneficial outcomes for the organizations alone. The present study is an attempt to the effect of HR policies and practices on employees' well-being in terms of job-satisfaction and physical health. The evidence is mixed. Findings support the both positive and negative effects of HR practices on employees' well-being.Keywords
SHRM, Job-Satisfaction, and Physical Health of Employees.- Role of Informational Justice in Job Satisfaction:Fairness in Indian Software Companies
Authors
1 Department of Psychology, BHU, Varanasi, IN
Source
International Journal of Education and Management Studies, Vol 4, No 2 (2014), Pagination: 87-92Abstract
This research study analyzed the strength of impact of informational justice on employee's job satisfaction vis-a-vis other dimensions of organisational justice i.e. distributive, procedural and interpersonal justice. The sample of this study was 250 Indian software employees. Pearson correlation table revealed that out of the four dimensions of organisational justice, informational justice is most strongly correlated (p=.594) with employee's job satisfaction. Further, hierarchical regression method was employed and the result showed informational justice has largest influence on job satisfaction. This means free flow of information and proper justification for any decision taken matters more to software professionals than the outcomes itself.Keywords
Organizational Justice, Job Satisfaction, Informational Justice, Distributive Justice, Procedural Justice.- Upper Permian Plant Fossil Assemblage of Bijori Formation: A Case Study of Glossopteris Flora beyond the Limit of Raniganj Formation
Authors
1 Birbal Sahni Institute of Palaeobotany, 53, University Road, Lucknow – 226 007, IN
Source
Journal of Geological Society of India (Online archive from Vol 1 to Vol 78), Vol 76, No 1 (2010), Pagination: 47-62Abstract
Plant fossils collected from the Bijori Formation of Satpura Gondwana Basin are described in detail from the type locality as well as from other exposures. The assemblage is dominated by glossopterid remains with few specimens of pteridophyte of Glossopteris flora viz. Santhalea bansloiensis, Neomariopteris sp., Trizygia speciosa and 20 species of Glossopteris viz., G. angustifolia, G. searsoliensis, G. tenuifolia, G. surangei, G. kamthiensis, G. utkalensis, G. syaldiensis, G. sp. cf G. zeilleri, G. stricta, G. bosei, G. intermittens, G. stenoneura, G. gopadensis, G. wilkinsonii, G. retifera, G. conspicua, G. mohudaensis, G. browniana, G. communis, G. indica, Vertebraria indica, dispersed seeds of Cordaicarpustype and equisetalean axes with or without nodes and internodes.
Bijori bed is correlated with the Raniganj Formation of Damodar Basin but present study indicates that floristically it is distinct. Plant fossils of Raniganj are represented by large size species of Glossopteris with fair representation of arthrophytes and ferns where as, Bijori Formation contains narrow shaped small sized species of Glossopteris and shows poor record of pteridophytes. It has been observed that the assemblage of Bijori is comparable with the plant fossil assemblages of non-coaliferous beds of Kamthi and Pachhwara Formations of Mahanadi, Wardha and Rajmahal Basins which are also considered younger than Raniganj Formation. The occurrence of different types of plant fossils beyond the limit of coal-bearing Raniganj Formation in Bijori, Kamthi and Pachhwara Formations signifies the closing chapter of Permian Glossopteris flora in Peninsular India with the continuation of some forms in the lower Triassic beds.
The non- existence of Dicroidium-pinnule in present assemblage rules out its faithful association with the Triassic flora.
Keywords
Plant Fossils, Bijori Formation, Satpura Basin, Madhya Pradesh.- Storm Activities during the Sedimentation of Late Paleocene-Middle Eocene Subathu Formation, Western Himalayan Foreland Basin
Authors
1 Department of Geology, Banaras Hindu University, Varanasi - 221 005, IN
Source
Journal of Geological Society of India (Online archive from Vol 1 to Vol 78), Vol 77, No 2 (2011), Pagination: 130-136Abstract
Late Paleocene-middle Eocene Subathu Formation represents the earliest deposits of the western Himalayan foreland basin. A large part of this formation is comprised of impure limestone and grey shale intercalations. The limestones contain sole marks, intraformational conglomerates, hummocky cross stratification and wave ripples. The occurrence of sole marks suggests that they are developed by the unidirectional currents at the initial phase of the storm that resulted erosion and subsequent deposition. The intra-formational limestone conglomerate also suggests erosion of the earlier deposited limestone hard grounds as a consequence of storm associated transgression. The hummocky cross stratification formed by the oscillatory flows during the long-shore littoral drift. The depth of formation of the hummocky cross stratified limestone facies was less than 40 m and most likely deposited between shore-face to backshore regions of the gulf similar to present day Persian Gulf. The identification of deeper facies (shelf facies) from Pakistan and coastal facies from India suggest that the gulf was open from the west and closed from the east.Keywords
Hummocky Cross Stratification, Tempestites, Himalayan Foreland Basin, Subathu Formation, Northwest Himalaya.- Groundwater Quality of Tulsipur Town at Indo-Nepal Border
Authors
1 Chemistry Department, M.L.K.P.G. College, Balrampur-271 201, U.P., IN
Source
Nature Environment and Pollution Technology, Vol 7, No 2 (2008), Pagination: 299-302Abstract
The paper presents a case study on the influence of environmental parameters on groundwater quality in Tulsipur town. Groundwater samples were taken from hand pumps from three depths, i.e., 10-12 metre, 20-25 metre and 30-35 metre. The study revealed significant changes of water quality during three different depths. A device to remove pathogens has also been suggested.- Determination of Water Quality Index and Suitability of Ground Water in a College in Balrampur, U.P.
Authors
1 Department of Chemistry, M.L.K. (P.G.) College, Balrampur-271 201, U.P., IN
2 Department of Chemistry, K.S.Saket College, Faizabad, U.P., IN
Source
Nature Environment and Pollution Technology, Vol 6, No 2 (2007), Pagination: 315-319Abstract
This paper presents a study on the influence of environmental parameters on ground water quality in MLK (PG) College, Balrampur (U.P.). Ground water samples were collected from different points in the college campus and their quality was compared on the basis of water quality index, which determines the water quality for drinking purpose. WQI was determined on the basis of various physical and chemical parameters like pH, EC, turbidity, TDS, acidity, alkalinity, total hardness, calcium, magnesium, chloride, nitrate, sulphate, iron and dissolved oxygen. These parameters were determined for the calculation of water quality index (WQI). A comparison of the quality of ground water of five different locations of the college has been made.- Variations in Hepatosomatic Index (HSI) and Gonadosomatic Index (GSI) in Fish Heteropneustes fossilis Exposed to Higher Sub-Lethal Concentration to Arsenic and Copper
Authors
1 Department of Zoology, DAV College, Kanpur-208001, UP, IN
Source
Journal of Ecophysiology and Occupational Health, Vol 15, No 3-4 (2015), Pagination: 89-93Abstract
The effect of sub lethal concentration 1.31 ppm and 1.84 ppm for Arsenic and Copper on the Hepatosomatic and Gonadosomatic indices of the fish Heteropneustes fossilis was studied. In mature female catfish Heteropneustes fossilis on exposure to both test metals at both higher sub lethal concentration registered marked toxicological alterations and reduction in Hepatosomatic index (HSI) and Gonadosomatic index (GSI) throughout the year in exposed fish group. However in the control group fish the values of HSI and GSI in the increasing order in relation to seasonal variation to their maximum range during pre-spawning phase. The reduced values of above parameter found directly proportional to the metal concentration and duration of the exposure. The results of the present study will be useful for selective breeding programme, conservation and sustainable fishery management of H. fossilis in its natural habitat.Keywords
Heteropneustes fossilis, Sub-Lethal Concentration, Copper, Arsenic HSI and GSI.References
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- Ram, R.N. and Sathyanesan, A.G. (1984) Mercuric Chloride induced changes in the protein, lipid and cholesterol level of liver and ovary of the fish Channa punctatus. Envion. Ecol., 2, 113–117.
- Ramesh, M. and Manavalaramanujam, S.K. (1992) Effects of water hardness and the toxicity of malathion on hematological parameters of freshwater fish Cyprinus carpio. J. Ecotoxicol. Environ. monit, 2, 31–34.
- Saxena, A. (2000) Biochemical changes in liver and muscles of Channa gachua during reproductive cycle. Aquacult. 1, 51–56.
- Saxena, R., (1986) Comparative Studies on the Gonadosomatic index in two Bottom Feeder teleosts. Indian J. Phy. Mat. Sci., 6, 39–97
- Sindhe, V.R. and Kulkarni, R.S. (2004) Gonadosomatic and Hepatosomatic indices of the fresh Water Fish Notopterus notopterus (Pallas) in response to some heavy metal exponsure. J. Environ. Biol., 25, 365–368.
- Singh, B.P. and Singh, V. (2007) Endosulfan female catfish, Heteropneustes fossilis (Bloch): Abstract. J. Environ. Biol., 28.
- Srivastava and Saxena, A.K. (1996) Morphological Changes in Hepatocytes in Relation to Reproductive Cycle of a Fresh Water Female Catfish Heteropneustes fossilis (Bloch). J. Ad .Zool., 17, 98–104.
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- Sub Lethal Effects of Copper and Arsenic on Some Biochemical and Hematological Parameters of the Blood in an Air Breathing Fish Heteropneustes fossilis
Authors
1 Department of Zoology, DAV College Kanpur–208001, U.P., IN
Source
Journal of Ecophysiology and Occupational Health, Vol 15, No 3-4 (2015), Pagination: 105-114Abstract
Study was undertaken to evaluate biochemical and hematological alterations resulting from the exposure of Heteropneustes fossilis to both sub-lethal concentration of copper (1.84 ppm and 1.10ppm) and arsenic (1.10 ppm and 0.78ppm) on various tissues for 15 days, 30 days and 60 days. Three groups of 14 fish were taken as control group, arsenic exposed group and copper exposed group. At the end of experiment periodically blood sample were taken from the control and experimental group of fish. Blood was assayed for selected biochemical and hematological parameters (hematocrit, haemoglobin per cent red blood cell counts, white blood cell counts, MCV, MCH, MCHC, clotting time, plasma protein, plasma glucose, blood plasma GOT, GPT, alkaline phosphatase, cholesterol, triglycerides). The hematological indices of both sub-lethal concentration of both test metal indicated a dose-dependent decrease in hemoglobin values, hematocrit values, red blood counts, MCH, MCHC, which are indication of anemia of the normal chronic type. Clotting time significantly increased in copper exposed fish. A dose-duration dependent increase was observed in MCV and WBC count. Biochemical analysis demonstrated the blood plasma level of protein and glucose was lowered in the exposed fish as compared to the control group, but a significant dose dependent elevation was recorded in all other bio chemical parameters. During exposure time a relative decrease in blood glucose level and an increase in blood serum cholesterol level and SGOT, SGPT, alkaline phosphatase, triglycerides level was increased. The result of present study demonstrates the toxic effect of both test metal in test fish Heteropneustes fossilis and recorded hematological and biochemical parameters can be used as an indicator of copper and arsenic related toxicological stress in fish on been exposed to sublethal concentration of both metal.Keywords
Copper, Arsenic, Biochemistry, Hematology, Hetropneustes fossilis, Toxicity.References
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- A Content-Based Indexing System for Image Retrieval
Authors
1 SGV University, Jaipur - 302017, Rajasthan, IN
2 Rayat Bahra Royal Institute of Management and Technology, Sonipat, Haryana, IN
Source
Indian Journal of Science and Technology, Vol 9, No 29 (2016), Pagination:Abstract
Background/Objective: The aim of this research paper is to create an image indexing system by identifying and explaining image features. In this research work we are developing an image indexing algorithm. Method/Analysis: From the previous researches we select several features that can be considered suitable and can be implemented with the help of Global feature – Boolean Edge Density, Edge Density, Color Sigma, Edge Direction, Color Average and Region feature – Moment Invariant, Grey Level, Region Area. Finding: We identified best combinations for different image data set. The experiments show that region based features increase the performance of image retrieval. Application/Improvement: While comparing the two image features, i.e. global features are less substantial than the region features.Keywords
Binary Threshold, Global and Region Features, Image Retrieval, Image Indexing, K-Means Clustering.- Winter Fog Experiment Over the Indo-Gangetic Plains of India
Authors
1 Indian Institute of Tropical Meteorology, Pashan, Pune 411 008, IN
2 Indian Institute of Science, Bengaluru 560 012, IN
3 India Meteorological Department, New Delhi 110 003, IN
4 Savitribai Phule Pune University, Pune 411 007, IN
5 Indian Institute of Science Education and Research Mohali, Mohali 140 306, IN
6 Indian Agricultural Research Institute, Pusa, New Delhi 110 012, IN
7 Ministry of Earth Sciences, Government of India, New Delhi 110 003, IN
Source
Current Science, Vol 112, No 04 (2017), Pagination: 767-784Abstract
The objectives of the Winter Fog Experiment (WIFEX) over the Indo-Gangetic Plains of India are to develop better now-casting and forecasting of winter fog on various time- and spatial scales. Maximum fog occurrence over northwest India is about 48 days (visibility <1000 m) per year, and it occurs mostly during the December-February time-period. The physical and chemical characteristics of fog, meteorological factors responsible for its genesis, sustenance, intensity and dissipation are poorly understood. Improved understanding on the above aspects is required to develop reliable forecasting models and observational techniques for accurate prediction of the fog events. Extensive sets of comprehensive ground-based instrumentation were deployed at the Indira Gandhi International Airport, New Delhi. Major in situ sensors were deployed to measure surface micro-meteorological conditions, radiation balance, turbulence, thermodynamical structure of the surface layer, fog droplet and aerosol microphysics, aerosol optical properties, and aerosol and fog water chemistry to describe the complete environmental conditions under which fog develops. In addition, Weather Forecasting Model coupled with chemistry is planned for fog prediction at a spatial resolution of 2 km. The present study provides an introductory overview of the winter fog field campaign with its unique instrumentation.Keywords
Aerosols, Atmospheric Profiles, Forecasting, Winter Fog.- Role of Employee Engagement in Work Outcomes:A Comparative Study on Public Vis-A-Vis Private Banks
Authors
1 Dr. C.V. Raman University, Kargi Road, Kota, Bilaspur, IN
2 Institute of Management, Pt. Rravishankar Shukla University, Raipur, IN
Source
Asian Journal of Management, Vol 6, No 2 (2015), Pagination: 135-140Abstract
The banking sector has been emphasising the focus on Employee Engagement concerns as the competition has emerged with entry of private banks in the industry in terms of services, returns, facilities, working hours, technology etc. during the recent few years. The environmental change has not only been caused a change in the consumer behaviour but also the employee behaviour as well. While Employee Engagement is determined by individual and organisational factors, it determines the work outcomes.
The paper aims at conducting a study on the outcomes of Employee Engagement at the banks of public sector in comparison to private sector. The study is expected to contribute to the human resource policy makers of bank organisations so that the work outcomes of the employees' effort may be enhanced.
Keywords
Employee Engagement, Job Satisfaction, Organisational Commitment, Organisation Citizenship Behaviour, Banking Sector.- Protective Role of S-Adenosyl Methionine (SAMe) in Cadmium Induced Toxicopathological Changes in Wistar Rats
Authors
1 Department of Pathology, College of Veterinary Science and Animal Husbandary, Duvasu, Mathura, IN
Source
Toxicology International (Formerly Indian Journal of Toxicology), Vol 24, No 1 (2017), Pagination: 58-64Abstract
Cadmium is considered to be one of the most toxic substances in the environment due to its wide range of organ toxicity and long elimination half-life. SAMe is recognized as the major methyl-donor for essential methylation reactions that occur in all living organisms. SAMe has been increasingly utilized as a therapeutic agent in liver and neurological disorders recently. The present study has been devised to explore the alleviating effects of SAMe in cadmium induced toxicopathological changes in rats. The rats were divided into four experimental groups: group I formed the control, group II animals were given cadmium chloride @ 200ppm in distilled water, orally, group III animals were given SAMe @ 1 mg/kg body weight, orally and group IV were given both CdCl2 and SAMe. Six rats from each group were humanely sacrificed at 30th, 60th and 90th day. The quantitative data of body weight, absolute organ weight, cadmium content and oxidative stress parameters was analyzed by Duncan's multiple range tests The group II animals showed most of the pathological changes compared to the rest of the group. The magnitude of lesions in various organs was lesser in group IV where SAMe was given. The severity of lesions increased with the advancement of experiment; most severe pathological changes occurring on the 90th day. The level of cadmium residue in liver and kidneys of rats was also found to be increasing with the time in group II and IV; with group IV showing a relatively lesser increase. Similarly the evaluation of oxidative stress parameters reflected the detrimental effect of cadmium in group II and an alleviating effect of SAMe in group IV. Based on the results obtained, SAMe is found to alleviate the toxicopathological effects of cadmium in rats which needs to be further explored.Keywords
Cadmium, S-Adenosyl Methionine, Rats, Toxicopathology.References
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- Studies on the Allelopathic Potential of Various Crop Biomass for Controlling Weeds in Wheat Crop
Authors
1 Department of Agronomy, Chandra Shekhar Azad University of Agriculture and Technology, Kanpur (U.P.), IN
Source
Asian Journal of Bio Science, Vol 9, No 1 (2014), Pagination: 80-83Abstract
A field experiment was conducted during Rabi season of 2010-11 at Students' Instructional Farm of C.S Azad University of Agriculture and Technology, Kanpur. six crop biomass viz., mustard, field pea, sorghum, maize, rice and wheat straws were incorporated in soil before sowing and their allelopathic potential was compared with weed free and unweeded treatments and analysed on germination and growth of weeds in wheat crop. The crop growth parameters, yield attributes, yield and economics of wheat were also computed. The results obtained shown that mustard straw, sorghum straw and maize straw were more effective to suppress weed germination and growth. The application of mustard straw before sowing registered maximum grain yield of wheat (42.0 q/ha) followed by sorghum straw (41.33 q/ha), maize straw (40.66 q/ha), field pea straw (38.75 q/ha), wheat straw (35.83 q/ha), paddy straw (35.66 q/ha) and minimum grain yield (33.58 q/ha) was noticed in unweeded control treatment. The incorporation of mustard straw, sorghum straw and maize straw registered 25.07 per cent, 23.03 per cent and 21.08 per cent, respectively more grain yield than unweeded control treatment. Allowing weed growth though out crop growth period in unweeded control treatment caused on an average 31.26 per cent reduction in grain yield of wheat i.e. 44.08 q/ha of wheat variety UP 2338 in control in plain zone of Uttar Pradesh.Keywords
Allelopathic, Crop Biomass, Weeds, Wheat.- Impact of On-Campus Trainings Conducted by the KVK Sriganganagar on the Knowledge Level of Farmers Friends (Krishak Mitras)
Authors
1 Krishi Vigyan Kendra, Sriganganagar (Rajasthan), IN
Source
Agriculture Update, Vol 7, No 1-2 (2012), Pagination: 33-36Abstract
Farmers friends work as the village level extension worker under ATMA in each and every district of Rajasthan. They face various problems related to the different aspects agriculture, hence government of Rajasthan decided to train the farmers friends through Krishi Vigyan Kendra of the district. The study was conducted on 1000 farmers friends of Sriganganagar district of Rajasthan. The findings of this study highlighted that there was a significant gain in the knowledge about different aspect of agriculture included in the training programme. The correlation between knowledge of agricultural aspects and socio-personnel characteristics of trainees showed that caste, education, occupation, mass media exposure, contact with extension agent and annual income were positively where as age, type of family and size of holding were negatively correlated.Keywords
Farmers Friends, Extent of Knowledge, Agriculture Training Programme.- Prediction of Ultrasonic Velocity of Benzene and Acyl Derivatives through QSPR Analysis
Authors
1 QSAR Laboratory, Department of Chemistry, University of Allahabad, Allahabad-211002, IN
Source
Journal of Pure and Applied Ultrasonics, Vol 37, No 1 (2015), Pagination: 1-6Abstract
Quantitative structure properties relationship (QSPR) study has been performed on the series of benzene and acyl compounds. In the present work we are concerned about the modeling of ultrasonic velocity. For this purpose we have performed regression analysis and several significant models were proposed. The QSPR models suggest that physicochemical parameter such as D, IOR, St show best result towards ultrasonic velocity of benzene derivatives and topological parameters such as 0χ, 1χ, 2χ have been found more prominent for modeling of ultrasonic velocity of acyl derivatives. The predictive ability of QSPR models were cross validated by evaluating of the residual activity, appreciable cross validated R2 values (R2 cv) by leave one out (LOO) technique.Keywords
Ultrasonic Velocity, QSPR, Regression Analysis.- Reconstruction of Shooting Incident A Tool for Scientific Investigation
Authors
1 Forensic Science Laboratories, Lucknow, U.P., IN
Source
Indian Journal of Society and Politics, Vol 1, No 1 (2014), Pagination: 25-30Abstract
Reconstruction of crime scene not only involves the scientific scene analysis, interpretation of scene pattern evidences and laboratory examination of physical evidence but also inferred or derived conclusions. This inferred evidence is frequently used to establish the apparent motive.- A Comparative Study of Health Conscious Lifestyle Between Normotensives and Hypertensives
Authors
1 Department of Psychology Bundelkhand University, Jhansi, Uttar Pradesh, IN
2 Department of Psychology, Bundelkhand University, Jhansi, Uttar Pradesh, IN
Source
IAHRW International Journal of Social Sciences Review, Vol 5, No 4 (2017), Pagination: 715-717Abstract
This study was aimed at determining whether there are differences in health conscious lifestyle between normotensives and hypertensives. From a small community sample of adults from Noida, 20 individuals with normotensives were selected and compared with a sex and age matched group of 20 individuals having hypertension and having clinic Blood Pressure (BP)> or 140/90 mm hg were tested on measures of health conscious lifestyle derived from standardized questionnaire. Results of independent t test revealed significant differences between normotensives and hypertensives and were in line with the hypothesis. The null hypothesis stand rejected and normotensives were found to be significantly higher on health conscious lifestyle comparatively than hypertensives.Keywords
Health Conscious Lifestyle, Normotension, Hypertension.- The Association of Type A Behavior Pattern, Stress and Cardiac Diseases:A Review
Authors
1 Department of Psychology, Bundelkhand University, Jhansi, Uttar Pradesh, IN
Source
Indian Journal of Health and Wellbeing, Vol 9, No 2 (2018), Pagination: 286-288Abstract
In this modern era, type A behavior pattern is common now. There is substantial evidence to denote that the type A behavior pattern is correlated with an elevated risk of coronary heart disease. Present research has displayed that Type A personality as compared to personality of Type Bs, people demonstrate increased biochemical and cardiovascular responses to stressful situations. Cardiovascular and other responses to stress of subjects considered to be at risk for coronary heart disease (CHD) were studied in order to evaluate the link between type A behavior pattern, stress and cardiac diseases. In this study we examine the relations among type A behavior pattern, stress and cardiac diseases.Keywords
Type A Behavior Pattern, Stress, Cardiac Diseases.- Mass Transfer Kinetics During Osmotic Dehydration of Banana in Different Osmotic Agent
Authors
1 Department of Food Process Engineering, Sam Higginbottom Institute of Agriculture Technology and Sciences, Allahabad (U.P.), IN
2 Department of Post Harvest Engineering and Technology, Aligarh Muslim University, Aligarh (U.P.), IN
Source
International Journal of Agricultural Engineering, Vol 11, No 1 (2018), Pagination: 108-122Abstract
In this study, osmotic dehydration of banana was carried out on the basis of the mass transfer kinetics. During osmotic dehydration of banana, three concentration levels (40, 50 and 60%) of osmotic agents such as sucrose, fructose and maltodextrin were used at three different levels of osmotic solution temperature (40, 50 and 60°C). The samples to solution ratio were taken at three levels i.e., 1:4, 1:5 and 1:6 for all the experiments. Full factorial design was employed to determine the number of experiments for osmotic dehydration of banana. Osmotic solutions were prepared by dissolving different levels of sucrose, fructose and maltodextrin in distilled water (w/w). A magnetic stirrer was used to dissolve the content. Fresh osmotic solution was prepared for every run. The surface moisture was removed by using blotting paper. Osmotic dehydration was carried out from 10 to 240 min with varying time intervals to investigate the osmotic kinetics at each experimental condition. All the experiments were replicated thrice. The initial moisture content of banana samples and moisture content of osmosed samples (10, 20, 30, 40, 50, 60, 90, 120, 150, 180, 210 and 240 min) were determined by hot air oven method. The moisture loss and solid gain were computed on the basis of mass balance. The effect of osmotic agents, concentration of osmotic solution, temperature of osmosis, sample to solution ratio and osmotic time on moisture loss and solid gain during osmotic dehydration of banana were studied. Determination of the moisture and solid change in banana samples during osmotic dehydration under different treatments is a function of drying time. In each case, the best fit was selected and the kinetic rate constant and other statistical parameters at each process were determined. The moisture loss and solid gain increased with increasing the sucrose solution concentration at constant sample to solution ratio and temperature of solution. The moisture loss was found to be higher for samples osmosed in maltodextin compared to those osmosed in sucrose and lower than the sample osmosed in fructose at the same concentration, temperature of solution and sample to solution ratio. The solid gain was higher for samples osmosed in fructose compared to those osmosed in maltodextrin and sucrose at the same concentration and temperature of solution with the same sample to solution ratio, because solid uptake is inversely correlated with the molecular size of the osmotic agents. Zero-order and first-order kinetic models were used for the mass transfer kinetics during osmotic dehydration of banana samples in sucrose, fructose and maltodextrin solution. The mass transfer kinetic studies reveal that the data for moisture loss and solid gain were accurately fitted by zero-order kinetic model compared to a first-order kinetic model with high values for the corresponding co-efficients of determination (R2) and low value of ischolar_main mean square error (RSME).Keywords
Banana, Osmotic Dehydration, Osmotic Agent.References
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- The Association of Impatience, Hostility and Hypertension:A Review
Authors
1 Department of Psychology, Bundelkhand University, Jhansi, Uttar Pradesh, IN
Source
IAHRW International Journal of Social Sciences Review, Vol 6, No 4 (2018), Pagination: 721-723Abstract
In this current scenario, the two major behaviors as- impatience and hostility are expanding day by day. There is substantial evidence to denote that the impatience and hostility both are associated with an elevated risk of hypertension. Some psychological factors are here which affects the likelihood of experiencing interpersonal interactions with negative emotional valence, and the intensity of this response is correlated with increased systolic/diastolic blood pressure response during interaction. Impatience and hostility, the two main subcomponents of Type A personality, were studied in order to evaluate the link between impatience, hostility and hypertension disease. In this study we examine the relations among impatience, hostility and hypertension disease.Keywords
Hypertension, Impatience, Hostility, Heart Disease.References
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- The Role of SHG Members as Business Correspondent Agents in Uttar Pradesh: Saga of Success
Authors
1 BIRD, Lucknow, IN
Source
The Microfinance Review, Vol 10, No 1 (2018), Pagination: 52-63Abstract
This paper provides insights into the role played by Business Correspondents and Business Facilitators in extending banking facilities to villages located at a distance from bank branches. The identification of a member of a Self-Help Group (SHG) from the village to work as the Business Correspondent Agent (BCA) of the bank helps in securing confidence of the most disadvantaged sections of the society. The paper provides details of activities undertaken by the BCA for ensuring extension of various banking facilities up to the doorstep of villagers. The support provided by the technology service provider (TSP) for confidence-building of the BCA and ensuring uninterrupted services have also been highlighted. The paper also brings out the bank’s commitment to this model by entrusting various tasks to the BCA. This helps to improve their viability and also to comply with various systems and procedures for availing their continuous service. Overall, SHG members as BCAs have proven to be a successful model for extension of banking facilities in the study area. However, continuous efforts are required from the TSP and the bank to ensure viability and success of this model.Keywords
Business Correspondent, Banking, Business Facilitator, Self-Help Group.- Haematolohical Profile of Subacute Oral Toxicity of Molybdenum and Ameliorative Efficacy of Copper Salt in Goats
Authors
1 Divisions of Pharmacology and Toxicology, SKUAST, R.S. Pura, Jammu, Jammu and Kashmir, IN
2 Veterinary Physiology, Faculty of Veterinary Sciences and Animal Husbandry, SKUAST, R.S. Pura, Jammu, Jammu and Kashmir, IN
Source
Toxicology International (Formerly Indian Journal of Toxicology), Vol 17, No 2 (2010), Pagination: 82-85Abstract
Molybdenum toxicity produces a state of secondary hypocuprosis, resulting into alterations in normal hematological profile. In the present study, ammonium molybdate alone and with copper sulfate (II) pentahydrate (ameliorative agent) was administered orally for 30 consecutive days in healthy goats of group 1 and 2, respectively, to access the effect on the hematological profile on different predetermined days of dosing. Administration of ammonium molybdate alone produced significant decline in the mean values of hemoglobin (Hb), packed cell volume (PCV), total leukocyte count (TLC), total erythrocyte count (TEC), and mean corpuscular hemoglobin concentration (MCHC), with a significant increase in neutrophil level and mean corpuscular volume (MCV). However, values of erythrocyte sedimentation rate, mean corpuscular hemoglobin, and differential leukocyte count were not significantly altered. On comparing observations of ameliorative group with the group 1 goats, it is concluded that the ameliorative copper salt has beneficial effects in alleviating the alterations in the values of Hb, PCV, TLC, TEC, MCV, MCHC, and neutrophils.Keywords
Ammonium molybdate, copper sulfate, goats, hematological profile- A Comparative Study of Lifestyle Between Normotensives and Hypertensives
Authors
1 Department of Psychology, Bundelkhand University, Ihansi, Uttar Pradesh, IN
Source
Indian Journal of Health and Wellbeing, Vol 9, No 3 (2018), Pagination: 467-469Abstract
This study was aimed at determining whether there are differences in lifestyle between normotensives and hypertensives. From a small community sample of adults from Noida, 20 individuals with normotensives were selected and compared with a sex and age matched group of 20 individuals having hypertension and having clinic Blood Pressure (BP)> or 140/90 mm hg were tested on measures of lifestyle derived from standardized questionnaire. Results of independent t test revealed significant differences between normotensives and hypertensives and were in line with the hypothesis. The null hypothesis stand rejected and normotensives were found to be significantly higher on lifestyle comparatively than hypertensives.Keywords
Lifestyle, Normotension, Hypertension.References
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- Impact of Observed Climate Change on the Classification of Agroclimatic Zones in India
Authors
1 India Meteorological Department, Shivajinagar, Pune 411 005, IN
2 India Meteorological Department, New Delhi 110 003, IN
Source
Current Science, Vol 117, No 3 (2019), Pagination: 480-486Abstract
The classification of agroclimatic zones in India was made in the 1990s for identifying priorities and developing strategies for location-specific and need-based research as well as overall agricultural development in the country. Long-term climatic parameters, particularly temperature and rainfall along with soil and crop information were used for the classification of agroclimatic zones. It has been documented with a fair degree of accuracy that overall climate is changing, particularly with respect to temperature over the Indian region. Thus it is anticipated that in the recent past, climate change may be reflected in the agroclimatic zones as well and ultimately affect the criteria of their classification based on climatic parameters. The objective of the present study is to examine the trends and spatial/temporal variability of temperature, rainfall, rainy days, and heavy rainfall in different agroclimatic zones of the country, which may help in better understanding of the further initiatives on reclassification of agroclimatic zones, if required. Using various long-term gridded data from 1985 and instrumental datasets starting from 1951 to 1980, studies have been made to observe changes in different components of the climatic variables, i.e. temperature and rainfall. It has been observed that there are significant changes in temperature and rainfall, both temporally and spatially, across India and there is a definite shift in temperature and rainfall patterns in the recent past compared to 1951–1980. It has also been inferred that there is a need to reconsider the classification of agroclimatic zones in India under the scenario of observed climate changes in the country.Keywords
Agroclimatic Zones, Classification, Climatic Parameters, Climate Change.References
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- Policy Induced Financial Inclusion:A Case of Pradhan Mantri Jan Dhan Yojana (PMJDY) in Uttar Pradesh
Authors
1 Bankers Institute of Rural Development (BIRD), Lucknow - 226012, Uttar Pradesh, IN
Source
Journal of Rural Development, Vol 38, No 2 (2019), Pagination: 322-341Abstract
This paper provides insights into the level of financial inclusion after implementation of PMJDY at the district and village level, in terms of level of utilisation of Basic Savings Bank Deposit account, use of RuPay debit cards and incidence of zero balance in Unnao district of Uttar Pradesh. It also describes the functioning of Financial Literacy Centres (FLCs) and issues/challenges faced in the process of implementation of the Scheme. Overall, it may be said that PMJDY has served the purpose of financial inclusion to a great extent as it has ensured opening of bank accounts of all the households in the study area. However, concerted efforts are needed to address the issues relating to Information and Communication Technology (ICT) in banks, Business Correspondents (BCs) and Financial Literacy Centers (FLCs) so that the tempo gained thus far is sustained and the goal of comprehensive financial inclusion is reached in near future.Keywords
PMJDY, Basic Savings Bank Deposit Account, RuPay Debit Cards, Financial Literacy Centers.References
- Mission Document, PMJDY, Govt. of India, 2014.
- Website of Pradhan Mantri Jan-Dhan Yojana, Department of Financial Services https://pmjdy.gov.in/ accessed in February 2018.
- Potential Linked Credit Plan, 2017-18, Unnao district, NABARD.
- Annual Credit Plan, year 2016-17, District Unnao, U.P.
- Proceedings of State Level Bankers Committee, Uttar Pradesh, year 2014-15.
- Proceedings of District Level Consultative Committee, Unnao District, UP-Review of progress of quarter June-September 2014.
- Study Report on Impact of Pradhan Mantri Jan DhanYojana, December 2016, published by BIRD, Lucknow and CAB, Pune.
- Financial Literacy Centres – Issues and Way Forward
Authors
1 NABARD, IN
Source
The Microfinance Review, Vol 11, No 2 (2019), Pagination: 43-56Abstract
The country has adopted a bank-led model for financial inclusion. A lot of initiatives undertaken by Government of India, Reserve Bank of India and banks could not yield desired result as they were addressing supply-side issues. The financial literacy was considered essential to generate demand for financial products and services. The task of imparting financial literacy to the masses was institutionalised and banks were advised to set up Financial Literacy Centres (FLCs) for this purpose. These FLCs have helped to improve financial inclusion of people, particularly in rural areas and among disadvantaged sections of society. However, these FLCs are facing several constraints and require support to improve their effectiveness. This article examines various issues affecting these FLCs and suggests measures to improve their functioning.Keywords
Financial Literacy Centres, FL Counsellors, Lead Bank, Financial Inclusion.References
- Access Assist (2015): Dipstick Study on Financial Literacy Centres Status, Constraints & Way forward in Bihar, Uttar Pradesh, Madhya Pradesh and Odisha, Access Assist, New Delhi. Acccessed from http://www.accessassist.org
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- Ministry of Rural Development (2016): Initiative on Financial Literacy under NRLM – Training to CRPs by RSETIs, National Centre for Excellence of RSETIs, New Delhi.
- Ministry of Statistics and Programme Implementation (2019): Literacy and Education, MOSPI, New Delhi.
- National Bank for Agriculture and Rural Development (2018): All India Rural Financial Inclusion Survey 2016-17, NABARD, Mumbai.
- Reddy R S and D V Deshpande (2017): “Financial Literacy Centers – An Investment for Future? Experiences of District Central Co-operative Bank, Medak, Telangana State”, Paper Presented at the Role of Cooperative Movement in Inclusive Development of India, 32nd Annual National Convention, Indian Society for Studies in Cooperation, Pune.
- Reserve Bank of India (2009): Financial Literacy and Credit Counselling Centres (FLCCs)Model Scheme, Circular dated February 4, 2009, RBI, Mumbai. Accessed from https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=4822&Mode=0. Viewed on 24 August 2019.
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- Technology Adoption by Rural Financial Institutions/ Micro Finance Institutions – Determinants, Status and Strategies
Authors
1 Former General Manager, NABARD, IN
Source
The Microfinance Review, Vol 13, No 2 (2021), Pagination: 30-39Abstract
The pace of economic development in our country is largely dependent on inclusiveness of rural areas in this process. Rural financial institutions (RFIs) and microfinance institutions (MFIs) have become an integral part of the financial landscape, and can play an important role in this regard. Technology occupies a crucial position in the process of development in modern times. The RFIs/MFIs are also required to leverage the technology to remain relevant, competitive and financially viable. This has necessitated the use of available technology to increase their outreach and expand their business. However, the socio-economic features of their clients are quite different from those in urban areas. This requires these institutions to employ suitable strategies so as to ensure adoption of technology by their clients. This paper discusses various determinants like impact of government policies and infrastructure developments, which could potentially influence these institutions and aid the diffusion of technology. The strategies adopted by these institutions for expansion of technology and the use of payment system have also been discussed in the paper. It also provides some suggestions for adoption of technology by these institutions in the days ahead.Keywords
RFI, MFI, Technology, Aadhaar, Strategy, Awareness, Payment SystemReferences
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