AYUR HERBAL PRODUCTS

PRODUCTS ::

Hair care
Skin care
Face packs
Body care
Health care
Natural water

HAIR CARE PRODUCT:
Your hair is an individual as you are the health and appearance of your hair can affect your self esteem mood and out look, Ayur’s products range included hair care products for all types of hair whether they are normal, only, dry, thin & delicate or damaged. The hair care products are enriched with natural conditioners and cleaners.

Amla, shikakai with Bramhi:.
For normal hair:
Bramhi:
Acts as a stimulating the root tips for enhanced hair growth.

Amla and Shikakai:
It is a rich vitamins and gives cooling effects to the scalp.

Amla Shikakai with Reetha.
Its concentrated rich lathering formula, and makes hair healthier.
Cleans the scalp, retaining its natural oils.

Rosemary Shampoo.
For dry and dull hair:
It controls dandruff and only scalp infection.
Condition the hair, making then manageable shiny and healthy.

SKIN CARE PRODUCTS:
If beauty is skin deep, it stands to reason that skin care is by for the most important aspects of beauty. There are four basic rules for skin care, cleansing, nourishing and moisturizing and loving. Ayur’s skin care products range contain vitamins and natural oils which maintain the skin by rejuvenating sagging skin, fighting roughness, and dressiness in winter retarding aged process and cleansing the deep selected hidden dirt and impurities.

Herbal Astringent with Aloevera:
[For all skin type] Ayur’s Astringent lotion is a herbal preparation which:
Contains aloevera, comphor and mint:
Its antiseptic and cooling properties checks ever secretion of secretion of sekum.
It is best suited for oily, and problematic skin.

Herbal Skin Toner with Aloevera:
[For all skin type] Ayur’s skin toner is herbal preparation which:
Contains aloevra, rose water and natural moisturizers.
Safe guards the skin against acne, atmospheric microbes and harsh effects on sun rays.
Reduces the pore size temporarily,. Tightens the skin muscles which makes your skin feel refreshed and invigorated.

Herbal deep pore cleansing milk with Aloevera:
[For all skin type] Ayur’s deep pore cleansing milk is a powerful cleanser which contain:
Aloeveeera, natural herbs, emollient oils and rose water
Opens the pores temporarily removing deep seated dirt, sebum, sweat and make up residues.

Herbal Moisturiser with wheat Germ:
[for all skin type]
Contains, wheat germ oil, olive oil, turmeric extracts and rose water.
Helps retain moisture content to give you a soft and supple skin.
It is enriched with vitamin A, D and E.
Makes a perfect make up base.

FACE CARE PRODUCTS:
Formulated for women who want to be beautiful and retain the bloom of youth, each face pack in for a specific purpose and each purpose pertains to a specific type of skin.

Antisun-Tan Face pack:
An excellent face pack for oily and sensitive skin. Regular use of this pack removes the tanning of the skin and makes it fairer. This also helps to curing pimples and black heads by keeping excess oil on the skin in control.

Tulsi Face pack:
It has been traditional used to combat skin problems. It is an anti-bacterial pack used for normal skin types.

Sandal Face pack:
An Excellent face pack for normal dry skin. It helps in curing local inflections. It removes wrinkles, and conditions dry and under nourished skin.

Egg Face Pack:
It is a complete skin food enriched with vitamins. Regular use ensures cleansing, removes of dead skin cell and lightening of open pores levels the skin feeling smother and healthier.

Cucumber Face Pack:
Cucumber is a natural cleaner and moisturizer which cools and nourishes the skin in one step. It is an anto-aging treatment as it removes wrinkles and liveliness on the face.

Rose Face - pack:
The floral extracts in rose face pack tones and revitalizes the skin to make it supple.

HEALTH CARE PRODUCTS:
Herb – T
A unique natural energizer, relines, cough, cold and blockage of nose. Helps control diabetics and obesity. It contains Vijaysar, mulathi saunth, tulsi, m pipli, Dalchinin, Elachi, Lavang Saunf, Ayurvedic natural drink coffeive free.

DIA- SLIM TUMBLER
Ayur’s DIA-SLIM blocks and Tumblers are made of Vijasar [India Kinotree] A natural Ayurveidic treatment to control diabetes. It has a magnificent role in reducing excessive fat from body. It also controls bloods sugar level and purifies blood.

NATURAL WATER :
Neem Water:
Antiseptic which heals and soothes, eruption pimples and acne used as a mouthwash also.

Mint Water:
Improves the appetite and digestion cures skin disorder and provides freshness used as a mouth wash also.

Sandal Water:
Provides natural protection form sun and acts as a natural moisturized nehlen used sunscreen lotion it keeps skin healthy through out the summer season.

Marigold Water:
A disinfectant, especially effective for treatment of the spotty skin and open pores, provides ideal balance to oily skin.

Triphala Water:
Hygienic and antiseptic with a special would healing property, promotes hair growth, used as a gargle in sore mouth and ulcerated guns.

Cucumber Water:
Cool antiseptic freshness, removes make up traces direct and dark circles around the eye.

AYUR HERBAL

AYUR HERBAL COMPANY PROFILE :
HISTORY OF AYUR HERBAL COLLECTIONS :

Beginning in 1979 with small manufacturing drug unit. We decided to launch other products based on natural herbs which are nature has in abundance. Faith in God and confident of success Ayur was born in 1984.

Beauty in natural and healthy way, making everyone beautiful was out “our “Motto”.... Natural herbal product were huge success at home and international market, company introduced hair care, skin care, body care and health care products to enhance of men and children.

Ayur had craved niche for itself. Within short span of time our share in shampoo market has raise to 21% [survey by ONG Urban rural in June 1992] with average growth sales of 40% a year, Ayur has become a house hold, name, brand enjoy high credibility in domestic and international market.

The company has its own R & D department that goes out of way of use natural extracts of herbs in best form, our scientists are working constantly to develop new and improved products for every one.

CHAIRMAN’S MESSAGE:
Ayur Herbal collection was began in 1982 India, the land of worship – because of its multiplicity of Gods and Godless at an count about 50,000 names were taken into account worships, beauty also. This practice is age old and India is the land to give the worlds the Khajroo temples as an ode to beauty.

Naturally when beauty was worshipped, processes of enhancing it were also devised, India God gifted by the beauty of nature as a natural progression on it philosophical thought turned to herbs and plants for beauty aid.

It is this wisdom on which the formula of Ayur has been built to ensure that beauty is enhance in a healthy way, our company’s motto is that every person has the sight to be beautiful. Our mission to spread beauty. Inspired by those thoughts, drawing upon our ancient vision we are presenting our herbal collection here as an essence of India Ethics.

Mr.Dilivider Singh
Managing Director of Ayur Herbals.

RESEARCH AND DEVELOPMENT:
The company has its own R & D departments. There, we have scientist who are constantly working to improve out old project. And formulate new ones. For every new products the scientists take raw materials and put them through quality tests, before putting them together to form the final product. This product is then tested again, fro slight pr balance or the probe possibility of microbial activity, before going to the market. Thus each Ayur product faces two levels of tests to ensure top quality.

The cosmetics at Ayur have to undergo very strict quality tests and checks in their technologically advanced laboratories, at two major checks in their technologically advanced laboratories, at two major levels, one, at the raw material stage where all the material is tested for excellent quality before it is sent for production. Second, once the product is ready, the samples are tested again for quality maintenance. This is done to ensure consistency in quality from batch to batch.

SOCIAL ACTIVITIES:
An innovative educational venture of Ayur Herbals, Gurusharan Convent, an English medium, co-educational public school was established by all saints educational society. The school was inaugurated on January 26, 1977. Located in Paschim Vihar, the school has peaceful surroundings amidst a pollution free area, sprawling over one and a help acres of land. The school has a dedicated staff of ten, highly qualified and trained teacher. The strength of the students is constantly on the rise wise with around fifteen hundred students at present.

Ayur herbals is deeply involved in other social activities also. “three” is an ashram for the old people, run by Gurucharan old people’s welfare society. The ashram is spread over 300 acres of land the ashram offers free tutoring upto tenth standard to the economically backward, children. The place is well equipped with all the essential medical instruments and a dedicated work staff of ten people with two efficient of capable doctors. The dispensary also offers Ayurvedic of Homeopath treatment the place also has a library and recreation room for the aged people.

PRODUCT PROFILE
Ayur herbal collections products list:-
Hair care
Skin care
Face packs
Body care
Health care
Natural water
By Ayur

National Heavy Engineering Co-Op. Ltd. or NHECL

ABOUT COMPANY ::

27th May, 1974. The National Heavy Engineering Co-Operative Limited, NHEC, becomes a reality. A reality bought into existence to “Bridge the national gap between demand and supply of sugar plants; Meet the needs of the rapidly expanding sugar co-operative movement for new, modernized plants; rationalize of the price of sugar plants; eliminate artificial high prices; and provide high quality products and equipment at reasonable rates.

Established near two decades ago as a national co-operative, NHEC started out with an authorized share capital of Rs.10 crores. A one of-its-kind organization, all national level, NHEC is promoted by the National Co-operative Development Corporation, Government of India, and supported by the National Federation of Co-operative Sugar factories (Apex body of the Indian Co-operative Sugar Factories). All towards helping India gain self-sufficiency in the supply and modernization of sugar plants.

1980 saw NHEC start its production operations at their works at Talegaon Dabhade, 35 Kms from Pune, approximately 160 Kms from Bombay in Maharashtra.

Along the way, a very real need to diversity and develop expertise in related fields was experienced. Consequently NHEC had evolved into much more than a sugar machinery manufacture. In the fast-paced markets sat the 90s, NHEC proves itself with excellent infrastructure that works at providing comprehensive solutions, whether it’s steel, nuclear, submarine or petrochemicals. Come, take a closer look at NHEC today.

Areas of Operation :
Techno-economic feasibility / project studies and reports for project identification and formulation, planning and scheduling, cost engineering, process / product development and designs, detailed engineering, equipment, pre-construction planning, construction management, commissioning and plant start-up, specialized maintenance / after sales service, system engineering, research and development inspection.

Sugar Plant Machinery :
Besides technology, NHEC is well known for its commitment to turnkey projects. A commitment that spans concept to completion. Yes, the company has worked on assignments right from preliminary layouts to site selection to cost estimates, man power allocation, raw materials procurement, equipment manufacture, inspection, erection and commissioning, involving structural, mechanical and electrical work.

Steel Plant Machinery :
NHEC has also ventured into manufacture of steel plant machinery since 1985. Their clients in this field are the prestigious Bhilai and VisaKhapatnam Steel Plants.

Fro the Bhilai Plant, they have supplied charging devices for rail and structural mill and medium merchant mill as per Russian designs and technology.

Research and Development :
NHEC has strengthened its most important base – research and development. The company’s Research Centre is actively involved in providing vital data for project consultancy, updating technology developed and applied earlier, analyzing the transferring technology to suit Indian conditions.

Importance is also placed son environmental safety with NHEC research staff ensuring that the least amount of imbalance is caused in the eco-structure of a particular region thereby maximizing resource utilization with minimum liability.

Exports :
ON the export front too, NHEC is gaining ground. In 1989 it entered foreign markets sand succeeded amidst stiff competition. In the first year its total export was US$ 30,000 and in 1991 it reached US$ 30,00,000. Today it exports sugar Machinery to Indonesia, Pakistan, U.A>E. Nepal and African countries like Kenya and Uganda. Plans to work in Iran, Mauritius, Bangladesh, Singapore, and Thailand are also under way. A generous target of US $ 1,500,000 was set for 1992 which has been successfully met and executed.

So much done, so much to do. At NHEC future plans encompass the manufacture of sugar refineries, bulk handling material, high pressure boilers, steam turbines, chemical / petro-chemical, ore benefactions, oil exploration and mining equipment. The company is also gearing up to work for nuclear, coal handing and cement plants.

Growing in strength sand stature, NHEC has lived upto the vision of tis founders, and the expectation of milliners of Indians. The frontiers are changing, the commitment endures.

Edible Oil Plants :
From sugar to heavy engineering to edible oil. Since 1985, NHEC has ventured into project management consultancy for edible oil plants funded by the World Bank and EEC (through the NCDC). This includes project planning, detailed engineering, preparation of equipment layout, construction of civil works, project implementation, co-ordination and monitoring, inspection, site management, commissioning and performance. These projects are situated in the states of Rajasthan, Assam, Jammu & Kashmir, Karnataka, Kerala, Madya Pradesh. Two plants have already been commissioned, the others are in various stages of completion.

Functions of N.H.E.C. ::
To setup economical sand efficient sugar plants.
To convert research work into commercial prepositions.
To bring in new technologies from outside.
To continue supply plant and machinery and spares at competitive prices.
To supply high quality equipment, machinery and components .

Organizational Structure :
General Body: Consists of representatives of various state federation, co-operative mills and financial institutions.
Board of Directors: Board of Directors consists of chairman, vice chairman and Managing Director.
Executive Committee: Consists of 7members which include Chairman, M.D. and members.
Chief Executive: Managing Director
Functional Heads: General managers.

Growth in the Last Decade (1982-92) ::
Sales and Other income 520%
Profit Before tax z 694%
Net Profit after tax 674%
Net Current Assets 658%

AWARDS :
International :
International diamond star
Grand prix to international quality.

National :
Award of Excellence
Udyograttan award
Jawaharlal Nehru award
Rajiv Gandhi gold medal for management.
Lokshree award
Udyog excellence

DEPARTMENT OF THE PLANT :
Technical Departments :
Machine shop and maintenance.
Production planning and control
Production
Fabrication
Design
Quality Assurance.

Non-technical Departments :
Administration.
Personnel
Security s
Accounts
Stores
Purchases
Project
Electronic Data Processing

Personnel Department at N.H.E.C. :
The personnel department looks after the employment, development of personnel, wage and salary administration, training, welfare, industrial relations and many other functions. The personnel department looks after those issues and areas, which deal with management, maintenance and development of human resources of the organization.

In NHEC the personnel department undertake the following functions.
Manpower planning i.e., determining the right kind of people of the required potential at the required time and future prospective.
Preparation of Job description for various purposes including job advantage and recruitment.
Training and development is an important function involved in the department.
Transfers, promotions are also important activity.
Wage and salary administration is another important aspect of the department. Looking after the salary requirements and disbursement of the same.
The attendance section is closely related and linked with the wage and salary administration. Other activities include payment to contract labourers, incentives bonus etc.,
Performance appraisal Is a very significant function and is carried out through merit ranking forms and performance appraisal forms in which the immediate supervisor Plays an important role.
Industrial relations and maintenance of discipline is very significant for carrying out disciplinary measures and procedures such as enquiry into absenteeism cases physical and verbal assaults etc.,
Administration of welfare facilities which includes canteen, transport facilities, Housing loans. Etc.
Administration of health facilities like ambulance rooms, medical treatment to employees and family members.
Administration of safety measures like supply of fire proof uniforms, glasses etc., making available fire extinguisher, safety devices etc.,
Motivation of employees is also san important function the personnel department, co-ordinates with other department for effective functioning of the organization in general and personnel department in particular.

FURNITURE INDUSTRIES

Latest Websites
Pravesh Bedi and Sons – Engaged in manufacturer & exporter of brass statue, religious marble statues, khajurao statues & paintings and wooden statues.

Kothari Sales Corporation – Manufactures & exporters of wedding mandaps, wedding furniture, Indian handicrafts and wooden temple.

Rawat Steel Industries – Engaged in dealing of wide range of office chairs and others chairs.

Colorz – Dealing in dining room accessories, office accessories, living room accessories, bedroom accessories, children room accessories and outhouse accessories.

In Trading Pvt. Ltd. – Manufactures and exporters of wood furniture including bed, cabinets, cupboard, dining table, coffee table, lamp table, stacking unit, mirror frames, chairs, wooden boxes, tables, chests, bookself, side board, wardrobe etc.

New Era Furniture Mart – One of the leading manufacturer of office and home furniture’s.

Modern Furnishings – Engaged in dealing of office furniture’s, dining room furniture’s, modern furniture’s, patio and rustic furniture’s.

Basant Sales Pvt. Ltd – Engaged in manufacturing of various types of office chairs.

Wood Furniture Manufactures – Exporters of wooden furniture such cabinets, wardrobe, beds, benches, bookshelves, desks, cupboard, planters, racks, sideboards, sofa, stools, mirror frames, tables, chairs and boxes.

Jaipal India Pvt. Ltd. – Engaged in manufacturing of plastic furniture, plastic chairs, plastic tables, executive revolving chairs, kitchen cabinet, storage solutions, computer tables and cupboard.

Harvin Impex Pvt. Ltd. – Supplying and exporting furniture, construction glass, glass hardware, aluminium composite panel, flooring etc.

Town Art – Suppliers of wooden furniture including almirah, bed, benches, book shelves, boxes, cabinet, candle holder, chair, drawer chest and also provides iron furniture, living & dining furniture, bedroom furniture, garden furniture, wooden handicraft and iron handicraft.

Keshavlal Mangubhai & Co – Manufacturer of treated teak-wooden furniture, handicrafts and gift articles.

Rekha Decor – Provides carved wooden furniture’s, window coverings and home decors.

Andrews Wood Crafts – The leading manufacturer & exporter of wooden furniture such as wooden chairs, dressing tables, wooden panels, wooden consoles, wooden tables, wooden diwans and wooden dining sets.

Furniture – Directory
By Material
Mahalsa Designer Doors – Engaged in manufacturing & exporting of wooden doors, wooden tables, wooden mandap, wooden swings, curio corner and other wooden articles.

Andrews Wood Crafts – The leading manufacturer & exporter of wooden furniture such as wooden chairs, dressing tables, wooden panels, wooden consoles, wooden tables, wooden diwans and wooden dining sets.

G.A.G. Trading – Engaged in exporting and supplying of plastic furniture, plastic chairs, plastic tables, plastic stools, computer tables and executive chairs.

Home Furniture
Balaji Panel Crafts – Manufacturer & supplier of workstation, modular furniture, modular wood furniture, membrane shutters, kitchen cabinets, wardrobes and designer furniture.

Elements Kitchens Solutions Pvt. Ltd – Manufacturer of modular kitchen, wardrobes, modular interiors, TV Units & wall units and crockery wall units.

Dovetail Furniture Private, Limited – Manufactures of bins, mats, baskets, punched sheet metal & woven, cane storage, ceramic vases and bowls.

Other Furniture
Granailte – Manufacturer & supplier of composite doors & door frames, composite windows & window frames, fire doors, artifacts & idols and FRP molds.

Latest Websites
Casa Modern – Engaged in supplying and exporting of modern & contemporary furniture in Italian and European designs for home, office, villa, luxury apartment, service apartment, call center, hotel, café, pub and restaurant.

Schones Office Systems Pvt. Ltd. – A leading manufacturer & supplier of modular office furniture like partition frames, partition finish options, table tops and frameless workstations.

Pushpak Products India Pvt. Ltd. – Manufacturer & exporter of premium furniture like office furniture, canteen furniture, work station, racks, seating system and pedestal.

Eurosit Products (P) Limited – Manufacturer and exporter of workstation & visitor chairs, executive chairs and waiting area chairs.

Featherlite Products Pvt. Ltd. – Manufacturer and exporter of furniture including office chairs and modular workstations.

Horizon Group – Offering services in office furniture, air conditions & curtains, wall pending, electrical work, furnishing, texturising, plumbing and flooring.

Furniture – Directory
Garden Furniture

Metal Craft – One of the leading manufacturer & exporter of garden furniture’s, wooden gates, main gates, automated industrial gates, balcony & window grills, balusters, eurotops and fence.

Home Furniture
Modfurn – Provide furniture’s including center tables, beds, sofa sets, kitchen & dining furniture’s, TV cabinets, computer tables and office chairs & tables.

Aadhi Arts – Manufactures of beds, wardrobes, table, chair, side table, sofa set, trolly, cabinet, dressing table, center table, baby chair / desk, console and swing.

Pace Furniture – Supplier of bedroom sets, sofa & dining sets, shoe racks, bar cabinets, office furniture, computer tables and chairs.

Material & Supplies
Abref Private Ltd – Manufatures of cordierite kiln furniture, deck slabs, perforated slabs, props, profile setters and cranks.

Office Furniture
Amson & Company – Provide modular office systems, executive chairs and computer & office furniture’s.

SGK Modular Systems – Manufacturer of office & living room furniture such as modular work station, chair, executive tables, computer tables, conference tables and modular domestic furniture.

Aadhitya Ventures – Dealing in office furniture, gym equipments, baby furniture, laboratory furniture, hostel furniture, class room boards and kids school flooring.

Other Furniture
Kitchen Corner – Manufacturer & supplier of superior quality modular kitchen fittings, wardrobes, TV cabinets, wooden pooja units and crockery units.

S.J. Fabricators – Manufacturer of all types of furniture’s for colleges, laboratories and hospitals including cushion & computer chairs and revolving chairs.

Venus Canteen Equipments – Manufacturer & supplier of kitchen & canteen equipments, kitchen furniture, kitchen fume exhaust system and kitchen gas cooking.

Latest Websites
Metal Craft – One of the leading manufacturer & exporter of garden furniture’s, wooden gates, main gates, automated industrial gates, balcony & window grills, balusters, eurotops and fence.

Glas Kraft – Manufacturer of FRP veneered doors, FRP flush doors and roofing sheets.

Anusha Industries – Engaged in Manufacturer of wooden furniture’s such as office & residential, interior designs, aluminum and wooden partitions.

Madras Glass and Plywood Depot – One of the leading suppliers of aluminum composite panels, architectural glass fittings, stainless steel products, processed glasses, fabric laminated glasses, plywood, veneer, door and laminates.

Keshav Chairs Pvt. Ltd. – Manufacture of a wide range of quality steel furniture.

Atlas Marketing Co. – Suppliers of frame less glass doors, shower enclosures, staircase stainless steel railings, spider glazing, structural glazing and automatic sliding doors.

Trutek Products Pvt. Ltd. – Manufacturer of the executive range of wooden furniture like dining table, coffee table, wardrobe, sofa, TV units, leisure chairs, home furniture, office furniture and modular kitchen furniture.

Gowtham Enterprises – Manufacturer of PVC doors, PVC Windows, modular furniture, modular kitchen furniture, wall paneling, false ceiling, PVC vinyl flooring and partitions.

JK Furnitures in Gulbarga

INTRODUCTION :
There was J.K. Furniture which was stared by Jawed Ahmed Khan on 1972. It is a company of Metal work & also manufacturing the raw-materials which is furniture, they manufactured at Darga road near S.T.B.T. apposite Govt. School they sales the furniture to costume at Jagat circle Sedam road. It is whole sale but not supply to market, they directly dealing with customer.

It was started with the capital of Rs. 3500 & project was ground 1200 there was 3-5 workers in the organizations. It was Rs. 670000 per year. They earning project around Rs. 1,50,000 over all expenditure. There is total 15 employees in organization in top level one M.D. in middle level 2 supervisor 7 in lower level 12 workers. He does not open branches another places because of problem of place, workers, they proud different types of furniture for use office use, hospital use like chairs, tables, sofa, dying tables etc…

ENTREPRENEUR FAMILY BACKGROUND :
There are six members in their family & their family occupation is business. J.K. Furniture & Metal Works was manufactured raw-materials for to make furniture & sell to second person who purchase. But, it was very small type of industry with capital 6000 rupees.

Then proprietor decided diversify their industry & to open their own business for selling to customer after manufacturing. Because they completed Mechanical Engineering in Diploma in Gulbarga at Government Polytechnic & their brother has also completed Engineering in Architecture branch at PDA College in Gulbarga.

Family Occupation : Business.
Qualification of Entrepreneur : Mechanical Engineering in Diploma
Age of Entrepreneur : 60 years.
Family Annual Income : Rs. 7,00,000/-
Contact No. : 9886910372

Planning before Starting the Business :
How they planed before starting the business is there are seven members in their family. The one person completed mechanical engineer in diploma who is owner another one completed architecture Engineer, they do not interest to do job in the company organization because they fell why work under other hand, we have skill, knowledge so they decided to start their own metal and furniture company. So today it is very big how earning around 2,00,000/- amount. So many worker means around 20 employees has been walking in their company. Their dream comes true & they successful in their organization.

Date of Commencement :
J.K. Furniture Industry 7-7-1992 with the capitals of Rs. 3500 & Jawad Ahmed Khazi is the owner of J.K. Furniture industry & employees were working under this industry production was very less sales & profit values less compare to today.

Investment needed :
After planned to start to the business they need many to open furniture industry so they bring money from their own property with Rs. 3500 for purchasing small equipment’s like Hammer purchasing, wooden machine’s They have employed to worker to produce and they gave wages over profit.

Raw-Materials :
They bring Raw-materials home, various places, for to make good quality furniture’s china in which Bodedra & Hyderabad Mumbai etc., after taking the raw materials. They manufactured at J.K. Metal works near. J.K. Furniture wholesale at Jagat Circle to sales to customer. They purchase different raw-materials from different places for making well quality products by identifying customer needs & wants leading in market.

So, they getting more output. There was less expenditure for bringing raw-materials but today expending more money for purchasing different variety at raw materials like low quality woods, sagony high quality woods etc..

Source of Capital :
Before starting business they brought money from their own property & they invested capital Rs. 3500 for to start small scale industry which furniture industry they used capital for purchasing small machines equipment’s to manufacturing the raw material to make good quality chairs tables etc. They investing capital around 60000 per year & creating high quality products like Sofa Seat, Dinning table, and Computer Table.

Machinery Suppliers :
When stared business with capital Rs. 3500 firstly they earned Rs. 1200 profit in 1972 because it was small scale industry day by day it was earning more & more profit from that profit invested for purchasing machinery means huge machines from Hyderabad, Mumbai & Chennai their annual income is increasing output;

They investing more money for purchasing modern machines to create good products as for customer likes & wants. They brought costar & modern machines for to get more output per day the employees can easily operated & its not risk to employees so they purchased machines for that reason.

Human Resource :
In all resource human resource is very important Role, in industry because without men there was cannot done the work or achieve goals. So they essential to industry for to achieve the goals.

When J.K. Industry Started, they employed 2 workers in the industry the workers done their work by the guidance of owner workers working as making chair cutting wooden etc. They gat bonus incentives medical treatment facilities & specially they gets more benefits white Ramazan Festival they feel very happy to do working in the organization. Their behave in organization the owner has to suspend them for 6 days & cuts their salary as per days.

So, they don’t misbehave in organization. The employees maintains to do their job with responsibility & co-ordination. Their give respect to others in organization & get more benefit by their hardworking with honestly. Employee have minimum two absent per month. If emergency case the company give as per days. The company not allowed to make part & job in other organization everyday has to allow the rules & regulation of industry.

But today is workers working under this industry in the from of top, middle, & lower level, they have best opportunity to do their work 7 satisfy their needs they don’t give training to employees but new employee work under the senior employee and they have experience by the guidance of senior and workers not need to completed to do work but they have knowledge skill & they know about general things. But top level & middle level employees have qualified means they educated. It’s all about employees.

Production :
The production takes place at their own metal work near STBT Darga road. Firstly it production was less means around Rs. 3000/- expenditure. They produces so to products month to make papule production cost was Rs. 2500/- Today production is more they produces 20 output means products (furniture) per day because they have lot of workers modern machines. There was less output when the started because of lack of techniques, workers machines etc..

They produces 150 variety of products to office use, home use, School use, etc… It is production cost is around Rs. 2,00,000/- per year production is very increasing day by day.

They utilize all resources which is essential for production & make production is large by adopting various types of techniques means modified machines. They produces by identifying stomas needs & wants.

So they add different colours to products while production for customers satisfaction. They make different variety of products for to customers. Their product involves deferent colour siges, varieties activities by Indetifying customers needs & wants & produces good quality products for to make famous in market & to customer satisfaction they want to produces more products around so products per day they spending more money for production to increase by customer their production growth is going top level means increasing by they identifying customers wants & needs. They produces the products as per customer will & wishes like size, colours, models etc..

Marketing :
Marketing is that phase of business activity though which human wants are satisfied by the exchange of goods & services.

J.K. Furniture company is not involved in marking because they don’t supply to market branches whole sale & retail shops. They manufactured at J.K. Metal works & manufactured products has stored to their own J.K. Furniture company at Jaggat. So they dealing directly with customers not to other shops. It advertises their products directly to customers when to the customer visited to shop.

They advertise directly to customers like they give explanation about their product variety price, guarantee & services. It customers liked the products by the face to face communication customers purchase their products & customers who purchased say to other people about their products & shop. Then peoples go to purchase their products. So, J.K. Furniture company adverts likes face to face communication.

They produce product’s as per customer needs & wants like variety modify colours size, they distribute but as per age like children chairs students chair, elders chair etc…

They want to diversify their business by adding something new to products & creating different articles. They are trying to do their business very big in market by satisfying the needs & wants to customers. They producer furniture’s as per identifying their customers needs & wants.

They sales goods on both of credits & cash basis. If the company sales as cash basis. Customers have to pay as per face value as fixed value. If they sales on credit basis customers have to pay extra amount of 3% with face value.

Channels of Distribution :
It is an important to marketing because from where the products manufactured & to where products reached first of all. There is raw-materials are manufactured some one customers directly purchase from manufactured place. After manufactured the products goes to wholesale customer, dealers, agency directly purchased from wholesale this type of going or supplying products called channels of distribution.

J.K. Furniture’s raw materials manufactured at their own industry that is J.K. Metal works at Darga road, near STBT after manufactured supply to J.K. Furniture to sale to customer as per customer needs & wants.

Marketing Mix of J.K. Furniture’s
Marketing mix is very important in marketing filed, Because customers needs & wants we can easily understand & it’s easily available to customer at right time, at right place at reasonable price by the advertisement marketing mix is a process of components of product, place, price & promotion.

When J.K. Furniture Industry started then was no marketing mix because it was very small scale industry means with the capital is around Rs. 6000/- day by day diversification in their business by giving good services. Then there is start to marketing mix up’s of marketing.

Place mix
Product mix
Price mix
Promotion mix

Place Mix :
Place mix is very important in market. J.K. Furniture decide to open at Jagat Circle because it is the center place of Gulbarga near to market main road & also public garden in there so peoples cross away from this place so they decided to start here tar customers, because customers easily available at correct time when they went to market, garden & temple. There want customer satisfaction profits. So they made customers can easily gets available & necessity products.

Products mix :
Product means goods which is owner manufactured as bring by others industry J.K. Furniture wants to make customer satisfaction so they add different colours, make different sizes, quality, variety & they giving services if damaged, but if sold cannot returnable exchangeable, They knew customer will & wishes make products to customers & easily available to them. They want to sell more products & their sales growth is to be increasing & so they made the products by will I wish knowing customers as consumers.

Price Mix :
Price is very important to both business & customer because business wants profits it’s concentrate on price & customers wants produce with reasonable means cheap also customers concentrate price.

So J.K. Furniture knowing customers will & wish customer what type of product want with cheapest & reasonable price with quality. They set price to product as pr customers needs to make them also to purchase their products. They set price less as to low product but it can attract to customers. They set price who one not purchase they make to purchase them by setting as fixing price according their satisfaction & quality of a product.

Promotion Mix :
In these two factors are come one is wholesalers & retailers. But J.K. Metal work manufactured at J.K. metal works at Darga road & supply to their own J.K. Furniture at Jagat. They dealing directly to customers but not to wholesalers retailers & agencies because it is both of manufacturing & dealing company.

Even they are not advertise in any media like news papers, TV, Radio, F.M. etc… They advertise like face to face when customers visited to company. They advertise as saying mouth expression of their products abut variety, price sizes, colours for to make customers to purchase their products.

Their channels of distribution is like they manufactured at J.K. Metal works it is own I after manufacturing not selling & supplying to customers wholesales retailers directly to their own J.K. Furniture at Jagat they dealing to directly to customers here.

Tax Structures :
They tax paid on sales & income of 1 year sales tax is usually paid on average sales or total sales at 12.5% with the Rs. 600000/- year. Income tax is paid on income of their one year profit at 20% with Rs. 20000/- & their total expenditure of 1 year is Rs. 360000/- year.

Government Incentive :
It is an extra money to dives selling or improving business by the Govt. But they are still not getting any incentives, because of they don’t interest in that they improve their business by investing capital by the profit from their own shop.

Training by Govt. or bank etc :
They don’t give training to J.K. Furniture inventor & metal works, because the owners did not give the information about training by Govt. or bank.

1st Generation of entrepreneurs :
1st Generation of entrepreneurs is Jawad Ahmed Khaji who completed the mechanical engineering in Diploma. After his study completed he decide to open manufacturing industry whole he manufacturing the raw-materials then open its own company to sell to customers directly from J.K. Metal works where he manufactures.

Innovation or copying of existing products idea :
They innovating some thing special who need to consume for taxury. They are copying of existing products means they moldity otherwise add something new to the product to attract to customer to make them purchase easily & while modifying the existing product, they creating new furniture’s products for purchase more by customers & to make consumes satisfaction.

For Example :
Nokia mobile is very famous in mobile industry once upon a time 1100 model demand is more but day by day its demand decreased then the owner decided to copying the existing mobile. He farmed same like as 1100 model mobile feature but which involves torch battery FM Radio, Colour model that is 1650 model so it is an example for copying existing products It’s easily attract to customers & more demanded to it than 1100 model.

Participation :
When he started the industry he invested around 6000 Rs & there was expenditure 2500 but profit was 2000. Me increasing production by bring variety of raw materials from various big city like china It’s an out of country & Mumbai, Chennai, Hyderabad. It’s from our country, they brought for to make more production increasing sales & earning more project me succeeded in earning more project that project is utilized for to invest in to business for improving business in Gulbarga & to purchased more product by customers so, the day by day earning more project.

Because peoples believed in his business about their produces & services when people starting to purchase more products home here, but he don’t advertise in Media, Me advertise like face to face so that reason peoples more purchasing & they are more selling.

So they getting more project the or annual income also increasing one year around their annual income is 700000. They still investing the project for to popular about their product & good reputation about their company.

Cash Flow System :
Cash flow system means how the company expending, for what purpose spending by the income or profit of their transaction per year is a cash flow system.

The proprietor has been earning profit from various products by selling it. They spending money for purchasing raw-material for to make variety of products, to appointment of workers, to rent, to electricity charges, to travel, to tax, wages, salary etc… etc… it’s all expenditure incurring for to get more output, to popular their products & also for consumer satisfaction.

Problems : Every entrepreneur has problems. The entrepreneur of J.K. Furniture before facing or happening any problem, they will take precautions advance about any problems like fault in production, damage while delivering goods, showing the goods to customer when they visit to shop, mistake by worker while production etc…

They have this type of problems.

Motivation Factors :
The entrepreneur’s parents motivate to start business. Because he completed mechanical engineer.
While running business their friends also motivated for to make him to improve their business.
While he was studying in school his dream was to become big business man. It is one of the main motivation factor.

PROBLEMS SOLVING & DECISION MAKING
Problems Solving : Actually they were not facing any big problems. Because if they are doing anything, they were prepared for to show furniture to customers, how to explain about furniture & how to produce the goods, what should be the output & how should be without affecting to it. They will guide to workers while production, for example. Furniture is manufactured it is looking like good but if there is fault of nails, woods, colors etc… then they will tell to workers to make correctly & not happen like this again. They will also tell to re-check & to good results.

Decision Making : They will also decision making, like if something happens at the time of production. They will tell to employees to make good products without effecting it & also tell to them don’t hesitate to producing the goods & think positively while doing job. For example: They have told to labor to make good computer table. So, the worker will have to do given task with responsible. The labor will make table but there is no drawer, CPU & key board parts. The proprietor said to make computer table & it involves everything like it suitable to keep computer parts but output is wrong. Then they decided to do make it T.V. table & they will give suggestion to labor to convert from that table to T.V. table.

Reliance Infocom or Reliance Group

RELIANCE – INDIA’S LARGEST BUSINESS HOUSE
The Reliance Group founded by Dhirubhai H. Ambani (1932-2002) is India's largest business house with total revenues of over Rs 99,000 crore (US$ 22.6 billion), cash profit of Rs 12,500 crore (US$ 2.8 billion), net profit of Rs 6,200 crore (US$ 1.4 billion) and exports of Rs 15,900 crore (US$ 3.6 billion).

The Group's activities span exploration and production (E&P) of oil and gas, refining and marketing, petrochemicals (polyester, polymers, and intermediates), textiles, financial services and insurance, power, telecom and infocomm initiatives. The Group exports its products to more than 100 countries the world over. Reliance emerged as India's Most Admired Business House, for the third successive year in a TNS Mode survey for 2003.

Reliance Group revenue is equivalent to about 3.5% of India's GDP. The Group contributes nearly 10% of the country's indirect tax revenues and over 6% of India's exports. An investor family of over 3.1 million - India’s largest, trusts reliance.

RELIANCE INDUSTRIES LTD. –
INDIA'S LARGEST PRIVATE SECTOR COMPANY
Reliance Industries Limited (RIL) is India's largest private sector company on all major financial parameters with gross turnover of Rs 74,418 crore (US$ 17 billion), cash profit of Rs 9,197 crore (US$ 2.1 billion), net profit of Rs 5,160 crore (US$ 1.2 billion), net worth of Rs 34,452 crore (US$ 7.9 billion) and total assets of Rs 71,157 crore (US$ 16.3 billion). RIL emerged as the only Indian company in the list of global companies that create most value for their shareholders, published by Financial Times based on a global survey and research conducted by PricewaterhouseCoopers in 2004. RIL features in the Forbes Global list of world's 400 best big companies and in FT Global 500 list of world's largest companies.

RIL emerged as the 'Best Managed Company' in India in a study by Business Today and A.T. Kearney in 2003. The company emerged 'India's biggest wealth creator' in the private sector over a 5-year period in a study by Business Today - Stern Stewart in 2004.

RIL alone accounts for:
17 per cent of the total profits of the private sector in India
7 per cent of the profits of the entire corporate sector in India
6 per cent of the total market capitalization in India
Weightage of 13 per cent in the BSE Sensex
Weightage of 10 per cent in the Nifty Index

One out of every four investors in India is a Reliance shareholder.
With globally competitive capital and operating cost positions, Reliance Group dominates the rapidly growing Indian market deriving over 80% of its revenues from the domestic market.

Dhirubhai H. Ambani
Founder Chairman, Reliance Industries Limited, India
December 28, 1932 - July 6, 2002

At the age of 17 went to Aden (now part of Yemen) and worked for A. Besse & Co. Ltd., the sole selling distributor of Shell products.

In the year 1958 returned to Mumbai and started his first company, Reliance Commercial Corporation, a commodity trading and export house. In the year 1966, as a first step in Reliance's highly successful strategy of backward integration, he started the textile mill in Naroda, Ahmedabad. In the year 1975, a technical team from the World Bank certified that the Reliance textile plant was "excellent by developed country standards."

In the year 1977, the company went public.
Credited with a number of financial innovations in the Indian capital markets. Today, the Reliance Group has one of the largest family of shareholders in the world. With an investment of over Rs 36,000 crore (US$ 9 billion) in petroleum refining, petrochemicals, power generation, telecommunication services and a port terminal in a three-year time frame, has steered the Reliance Group to its current status as India's leading textiles-petroleum-petrochemicals-power-telecom player.

GROUP COMPANIES
Reliance Industries Limited
Reliance Capital Limited
Reliance Capital Mutual Fund
Reliance Industrial Infrastructure Limited
Reliance Energy
Reliance Telecom
Reliance Infocomm
Reliance General Insurance Co Ltd
Reliance Life Sciences
Indian Petrochemicals Corporation Ltd

BOARD OF DIRECTORS
Anil D. Ambani
Chairman & Managing Director

Mukesh D. Ambani
Vice Chairman & Managing Director

Nikhil R. Meswani
Executive Director
Hital R. Meswani
Executive Director
H.S.Kohli
Executive Director

Ramniklal H. Ambani
Mansingh L. Bhakta
T. Ramesh U. Pai
Yogendra P. Trivedi
Dr. D. V. Kapur
M. P. Modi
S. Venkitaramanan

MILESTONES
Reliance Infocomm Highlights
1999
The Dream, 1999 "Make a phone call cheaper than a postcard and you will usher in a revolutionary transformation in the lives of millions of Indians" - Dhirubhai Ambani

The Reality, November 15
Reliance Infocomm begins Project Planning

2000
May 10
Optic fibre laying process commences in Gujarat, Andhra Pradesh & Maharashtra

2001
May 1
First Media Convergence Node made "Ready for Electronics" at Jaipur

2002
January 15
First Base Transceiver Station (BTS) made "Ready for Electronics"

February 25
Obtains International Long Distance License from Govt. of India

December 22
Commissions 1st Optic Fibre Backbone ring

December 24
Establishes 1st Point of Interconnect (POI) in New Delhi

December 27
Hon'ble Prime Minister of India, Atal Behari Vajpayee e-inaugurates Reliance Infocomm
Hon'ble Union Minister for Parliamentary Affairs, Information Technology and Communications, Pramod Mahajan, inaugurates NNOC

2003
January 15
Introduces Dhirubhai Ambani Pioneer Offer for Reliance IndiaMobile service

February 14
Launches Reliance WebWorld in top 16 cities

March 31
Launches International Long Distance Services

April 3
Commissions all backbone rings

April 25
Introduces colour handsets

May 1
Launches Reliance IndiaMobile Service commercially in top 92 cities
with one million customers.

June 10
Launches India's first wireless Point of Sale (POS)

July 1
Introduces "Monsoon Hungama" Offer: Instant multimedia mobile phone and connection for just Rs 501.
Sets world record - acquires one million customers in 10 days

July 3
Launches R Connect Internet connection cable

Aug 26
Introduces Reliance IndiaPhone Fixed Wireless Phone and Terminal

September 20
"Navratri" a data service in R-World posts a world record of 10 million downloads on the first day of the launch.

September 30
R World clocks a phenomenal 1 billion hits in 1 month

October 6
Launches integrated broadband centre at Reliance WebWorld, Bangalore

October 24
Deploys pilot of Home Netway in Mumbai

October 30
Reliance becomes India's largest mobile service provider within 7 months of commercial launch

November 3
Customer base touches 5 million

November 12
Migrates to Unified License Regime

November 16
Launches National Roaming

November 21
Launches International SMS to 159 countries launched

December 19
Adds 4500th Contact Centre Executive
Contact Centre becomes the largest such facility deployed by any single Indian Service Provider

2004
January 12
International wholesale telecommunications service provider, FLAG Telecom amalgamates with Reliance Gateway, a wholly owned subsidiary of Reliance Infocomm

February 9
Launches RIM Prepaid with attractive offer - For Rs 3500 get a Motorola C131 mobile phone and Rs 3240 worth of re- charge vouchers instantly and stay connected for 1 year

February 17
Reliance subsidiary Flag Telecom announces FALCON Project - a major new Middle East Loop Terabits Submarine Cable System with links to Egypt and Hong Kong via India

March 22
Reliance Infocomm launches multi-player gaming on RIM handsets - a first in India

April 05
Reliance IndiaMobile introduces International Roaming facility to 172 countries, 300 networks

April 23
Reliance Infocomm introduces first ever auction facility on Mobile phones through R World.

May 27
Reliance Infocomm receives the Most Promising Service Provider of the Year 2003 (Asia Pacific) award at the Asia Pacific Technology Awards instituted by Frost & Sullivan.

June 8
Reliance Infocomm introduces World Card - a Prepaid International calling card for affordable and convenient ISD calls from India.

July 29
Announces India's First MPLS Global VPN Solution in partnership with MCI

August 5
Launches the first regional Customer Contact Centre in Chennai

September 6
Mukesh D. Ambani, Chairman, Reliance Infocomm, receives Voice & Data "Telecom Man of the Year" award

September 9
Introduces Railway Ticket booking from R World data applications suite of Reliance IndiaMobile

October 12
Mukesh Ambani voted the world’s most infuential telecom person by UK-based publication Total Telecom.

October 19
Reliance Infocomm bags the CDMA Development Group's 3G CDMA Industry Achievement Award for International Leadership.

2005
January 04
Reliance introduces first e-recharge facility in CDMA in India.

January 24
Reliance IndiaMobile announces mega rural plan to cover 4 lakh villages and 65 crore Indians by December 2005.

June 27
Shri Anil D Ambani is appointed Chairman of Reliance Infocomm.

Suggestions for Reliance Infocomm :
The Reliance Infocomm should focus more on 20-40 age group.
They should see the services of BSNL and improve according to those because most respondents were using BSNL service.
They should try to make tie up with Nokia handsets because most of respondents were using Nokia handsets.
They should focus more on improving prepaid services.
They should bring the currencies of 200 to 300 because most of respondents spent monthly the same amount.
The company should try to tackle the associations for convincing because most respondents were interested to be the part of association.
They should try to focus on the problems of call drops and busy networks.
It is suggested to review sales promotion strategy.
It is necessary to highlight quality network orientation in the advertisements.
The company should focus more on these taluka places, because so many people don’t know much about Reliance.

TATA BP SOLAR PRODUCTS

BOX COOKER :
TATA BP Solar India Limited :
Product details :
Stylish Design with appealing colour.
Improved tracking mechanism with multi angle.
Additional tie mechanism for top cover topping.
Improved cushioning mechanism for longer mirror Life.
Improved cooking tray form / finish for faster cooling.
Improved insulation for faster cooling.
Optional Built in electrical heater backup for cloudy days / Nights.
Improved glazing technique for Better heat retention.
Shoe for leveling and arresting wheel movement.
Rear wheel designed to ease handling and tracking.
Double locking facility.
Light weight easy to handle.

WATER HEATING SYSTEMS :
HHC WHS Features: (TATA BP Solar India Limited)
100 LPD, 200 LPD, 300 LPD & 500 LPD capacities in Domestic range.
Suitable for Hard water, Hygienic Water and Cold Climate conditions.
Patented Heat Exchanger technology.
Stainless Steel tanks with Rockwool insulation and Aluminium Outer cladding.
BIS approved Flat Plat Collectors.
Unique “anti-condensation” device in the collectors.
Weather sealed collectors.
Superior and consistent quality selective coating.
Sacrificial Anode for Prevention of galvanic corrosion.
Minimal internal piping.
Stand alone system with wind resistant rigid stands and clamps.
Overnite temperature drop of 8-10°C.
Electrical back up for rainy reasons.
Installation base all over India.

HOME LIGHTNING:
HLS Features: (TATA BP Solar India Limited)
Mono / Poly crystalling Solar module
Support structure to enable mounting of the solar Module with adjustable tilt angle to mount at optimum angle for different locations.
Low maintenance, tubular plate flooded batteries.
Ci10 – Solid state solar charge controller with low self consumption of less than 7mA for best utilization of solar energy.
High efficiency, attractive JUGNU Luminaries – Providing bright light, available in 5W / 7W / 9W / 11W CFLs models.
Table fan of 300mm sweep operating from 12Vdc in selected models with low power consumption Less than 18W and 3 speed operation.
Complete cables and Accessories supplied with the system.

STREET LIGHT :
SL Features: (TATA BP Solar India Limited)
Automatic Dusk to Dawn Operation.
Standalone system.
Mono / Play crystalline Solar modules.
Solar modules mounted on top of the pole with adjustable tilt angle structure to mount at optimum angle for different locations.
Low maintenance, tubular plate flooded batteries.
Electronic control unit with inbuilt solar charge controller and High efficiency inverters for best utilization of solar energy.
Attractive and reliable aluminium di-cast luminare housing suitable for outdoor application.
Designed to operate at wind velocities up to 200 Km./ hr.
Complete Cables and Accessories supplied with the system.

LANTERN :
L Features: (TATA BP Solar India Limited)
Portable.
Light weight.
Omni directional light.
Rugged and compact, housing designed for good aesthetic appeal.
Charging Option either by solar supplied as standard or ac mains by using optional solarmite – mains charger.
Fuse holder integral with switch and socket unit, provided externally.
Polarised charging socket to prevent reverse connection.
Rugged clear transparent plastic dome for lamp.
Option of 5W / 7W CFLs available to choose based on illumination and backup required.
SOLAR MODULE TBP 1210 / TBP 1212 can be used OR with mains charger – Solar Mite 12 V, 1A to charge the battery.

BATTERY :
B Features: (TATA BP Solar India Limited)
Low maintenance solar batteries.
Low antimony tubular plate batteries for added strength.
Once in a Year topping up under standard recommended charging and system usage pattern.
Low self-discharge of  3% per month at 20°C.
Charging efficiency  90% at 20% Depth of Discharge.
Battery terminal caps are provided to prevent accidental short circuit.
Micro porous vent plugs with float guide are provided with most of the batter models to indicate the level of electrolyte for users to know when the batter has to be topped up.
IS 1651 relevant clauses are complied as suitable for solar batteries.

SOLAR MODULES :
S.M. Features: (TATA BP Solar India Limited)
High performance.
Available with mono / multi crystalline silicon solar cells.
Designed for maximum reliability and minimums maintenance.
Resistant to water, abrasion and hail impact.
Light weight anodized aluminium frame with edge sealant around the laminate.
Tested and Proven materials used for construction.
Highest efficiency solar modules commercially available in the market.
Life expectancy of 25 years.

LIFE INSURANCE CORPORATION

LIFE INSURANCE CORPORATION
Life Insurance in India since vedic times, arrived here from England in its modern from only in the year 1818, to insure Europeans & support their windows, entered “Bombay Mutual Life Assurance Society” in 1870 the First Indian Insurance Company, with just seven rupees for initial expenses. Later, Lala Harikishan Lal Launched “Bharat Insurance Company” at Lahore in 1896.

In early days of 1956, nationalization of Life Insurance was taking concrete shape. Life Insurance was nationalized in the Public Interest, as a public utility and as a social service in the words of the then Finance Minister, Mr.C.D.Deshmukh.

“Yogakshema” building was inaugurated by Pt.Jawaharlal Nehru in 1963, by opening the gates with a silver key. “Yogakshema” LIC’s Corporate Office is not the only landmark building of LIC. The corporation also happens to be one of the largest properly owner in India, second only to Indian – railways.

LIFE – INSURANCE:
Meaning:
“Life insurance is a contract providing for payment of a sum of money to a person assured, or failing him, to person entitled to receive the same on the happening of certain Event”.

“Insurance refers to a contract taken out with an insure to protect against loss from a perceived risk or to provide for a secure further”.

The person taking out the Insurance is called the “Insured”. Payments for the policy are called ‘Premiums’. The amount of the premiums generally depends on factors such as age, gender, occupation etc.

Objectives of LIC:
Spread Life Insurance widely and in particular to the rural areas and to the socially and economically backward classes with a view to reaching all insurable persons in the country and providing them adequate financial cover against death at a reasonable cost.
Maximize mobilization of people's savings by making insurance-linked savings adequately attractive.
Bear in mind, in the investment of funds, the primary obligation to its policyholders, whose money it holds in trust, without losing sight of the interest of the community as a whole; the funds to be deployed to the best advantage of the investors as well as the community as a whole, keeping in view national priorities and obligations of attractive return.
Conduct business with utmost economy and with the full realization that the moneys belong to the policyholders.
Act as trustees of the insured public in their individual and collective capacities.
Meet the various life insurance needs of the community that would arise in the changing social and economic environment.
Involve all people working in the Corporation to the best of their capability in furthering the interests of the insured public by providing efficient service with courtesy.
Promote amongst all agents and employees of the Corporation a sense of participation, pride and job satisfaction through discharge of their duties with dedication towards achievement of Corporate Objective

Vision :
"A trans-nationally competitive financial conglomerate of significance to societies and Pride of India"

Mission :
"Explore and enhance the quality of life of people through financial security by providing products and services of aspired attributes with competitive returns, and by rendering resources for economic development."

Policies :
Whole Life Plan: Here, the risk is covered for the entire life of the policy holder. There is no survival benefit and the policy Monies and bonus are payable to the nominees after the death of the policy holder. LIC has three plans under this category. The premium is lower compared to the endowment plans. As these policies do not have survival benefits, they do not appeal to young people and persons looking for savings for their old age.
Endowment Plans: This policy is taken for a specified period, at the end of which the sum assured along with the accumulated bonuses is paid to the policy holder. In case death occurs before the maturity, the sum assured along with bonuses till data are paid to the nominee. The endowment plans provide both risk cover and savings. The premium under this plan is high compared to the others.
Term Plans: Term policies cover the risk for a specified term after which the risk cover comes to an end. I the policy holder survives the term, then nothing is payable. But in some term policies, premiums are paid back to the policy holder at the end of the term. The premium under this policy is low and affordable for the common man. One can get high cover for a very low premium. They are ideal to cover high liabilities such as housing loans, personal loans, business loans etc.
Money Back Plans: One of the drawbacks of an insurance is the lack of liquidity. Money back policies remove this drawback by providing partial survival benefits at periodic intervals as long as the policy holder is alive. In case of death of the policy holder before the maturity of the policy, full sum assured is paid along with the accumulated bonuses irrespective of the survival benefits said. The premium rates under this category are very high. However, these policies provide cash at regular intervals.
Pension Plans or Annuities: Retirement planning or planning fo rold age has become vital today. The pension plans offered can be with death benefit or without death benefit. Here, a fixed sum is paid either in lump sum or in installments in exchange for a pension at the end of specified term.

Advantages:
It is superior to an ordinary saving plan: This is so because, unlike other saving plans, it afford full protection against risk of death.
Easy Settlement & Protection against creditors: The life assured can name a person to whom the policy many would be payable in the event of his death. The proceeds of a Life Insurance Policy can be protected against the claim of the creditors of the Life Assured by effecting a valid assignment of the policy.

Administering the legacy for beneficiaries:
The policy holder can arrange that in the event of his death the beneficiary should receive instead of a single sum.
Payment of the net claim amounts by equal installments.
Payment of the claim by lumpsum at the end.

Ready marketability and suitability for quick borrowing:
After an initial period, if the policy holder finds himself unable to continue payment of premiums he can surrender the policy for a cash sum further, a life insurance policy is sometimes acceptable as security for a commercial loan.

Tax relief:
It is one of the best tax saving option today. Tax can be saved twice on LIC policy, once when you pay premiums & once when you receive maturity benefits. “Money saved is money earned”.

Protection:
Life Insurance is a thoughtful business concept designed to protect the economic value of a human life for the benefit of those financially dependent on him or her.

If you are decided to purchase any LIC Product please contact to me my mobile no is 9886043598, 9739041958.

Krishna Gramina Bank

KGB COMPANY PROFILE
The Krishna Grameena Bank (KGB) was established on Jan. 1st 1978 to address rural credit needs in Gulbarga and Bidar districts of KGB is sponsored by State Bank of India (SBI). It celebrated its silver jubilee on 7th December, 2003 and dedicated new head office building on this occasion.

Krishna Grameena Bank is covering 631 villages through 74 branches and 157 villages through 32 branches. In other words, Krishna Grameena Bank is able to provide service to 4.16 lakhs customers through 106 branches and 6 satellite branches in these economically backward districts.

Policy Guidelines and Vision of Krishna Grameena Bank:
The Krishna Grameena Bank has developed a practice of preparing a policy document envisaging annual plan at the beginning of achieved during the previous year, in comparison with three preceding years, and enumerates the targets for achievement in the coming year for various business parameters. This circulated by Chairman to the General manager, all section heads, Area Managers and Branch managers thereby making all the employees aware of the future action plan.

The Krishna Grameena Bank’s vision statement has been coined by the employers who underwent OD and training facilities by NABARD and it states that KGB is improve the living standards of the masses and development of the area with sustained viability.

Personnel Management Department:
The human asset is of paramount importance in any organization. This department has primarily responsibility of recruitment, development and enrichment of human sources at Krishna Grameena Bank. The greatest challenge has been to change and orient the mind set of staff to cater the expectations of its stake holders and customers.

Requirement:
Majority of staff are of middle and senior age, and there is less of young bland in the bank. As the senior staffs retire, there may be a vaccum / gap hence the newly recruited staff should be introduced early in the organisation.

Job Rotation:
Generally, job rotation is done based on the need however, in branches where the business volume is high quarterly job rotation is a proactive.

Promotion:
So far the promotions have been given to the staff at four occasions i.e., 1988, 1996, 12997 and 1998. Promotion needs to be expedite so that it acts as a moral boosting / carrier progression major for the staff.

Transfer Policy:
Krishna Grameena Bank has divised rational and transparent transfer policy by classifying branches into four categories.

For example: A category (8 most convenient branches)
B category (27 convenient branches )
C category (49 difficult branches)

Transfer Policy:
Krishna Grameena Bank has devised rational and transparent transfer policy by classifying branches into four categories viz., A category (8 most convenient branches, B category 27 covneinet branches, C category 49 difficult branches and D category 25 most difficult branches. As the management is taking the unions into confidence while effecting transfers, generally the motivation levels of employees are maintained so as to continue the business performance.

General Banking Department:
The General Banking Department is responsible for planning and development functions which include preparation of annual business plans, DAP / MOV (Development Action Plans / Memorandum of Understanding), submission of statutory returns to RBI and NABARD, designing new products / services and computerization at HO/AO/BO.

Credit management Department:
This department is responsible primarily for processing and sanction of loan proposals, speedy dispersal of sanctioned loans, receipt and scrutiny of loan documents, availing refinance from NABARD / SBI, Coverage of crop insurance and correction / release of premium / claims, promotion of SHGs and VVV clubs, management of SBI Life Insurance Business at HO as Nodal office and submission of returns / statements to NABARD / RBI / SBI Life / other agencies.

Funds Management Department:
This department is responsible for managing all activities related to funds management including investments, with a primary aim for effective cash management and asset liability management (ALM) at the bank level. This department is undertaking the following major functions.

To plan and implement the funds management policies as per the guidelines and norms prescribed by RBI, NABARD and SBI.
To facilitate transfer of funds between sponsor bank / NABARD and HO, HO and branches or among the branches through cash, cheque, II and DD.
To monitor and supervise SLR, CRR, and CRL/BR.
To ensure the compilation of weekly returns of funds management status from Bos to Aos to HO.
To avail the eligible refinance from NABARD and sponsor bank and also to arrange funds for meeting repayment obligations.

Assets Management Department:
This department of primarily responsible for managing the assets, both performing and non-performing, in the bank through following functions.
Monitoring and review of NPA’s in quarterly and monthly meetings.
To organize “Krishna Samipya’ – borrower meeting to ensure better recovery.
Ensuring the provisions to be made for loss making assets.

Overall Business performance of KGB in the context of corporate governance:
Krishna Grameena Bank Operational area consists of two socio-economically backward districts of Gulbarga and Bidar, majority of which is under rain fed cultivation. Further, these districts have been reeling under the drought for the last three years. However overall business performance of KGB is good due to various good governance practices as explained in section 4.2 (with 25 major areas). If the areas which needs to be refined and improved are given a special attribution, along with continuity of dynamic leadership supportive board and motivated staff, GB can achieve excellence in future.

The historical growth of KGB in 25 years has also shown that performance depends on several internal factors including proactive top management and sound HRD practices. Therefore, Krishna Grameena Bank should devote more efforts to empower the employees so that they can serve the customers effectively with high quality service.

Marketing Strategies and Brand Image of KGB:
The Krishna Grameena Bank has developed unique brand image by including ‘Krishna’ in most of the product and services i.e., Krishna samipya for borrowes meet, Krishna Jeevan Mitra SB A/c. for accidental insurance coverage, Krishna Kisan card for formers credit cards, gift of a bag with a moments to all visitors coming to the bank having Krishna Grameena Bank name an logo, distribution of over 50,000calenders in local languages (Kannada) containing all basic information about important festivals / events / photos instead of giving dairies – publicity through the latter is much less to the customers, distribution of banners / pamphlets containing information about banks products and services etc.

The extensive usage of ‘Krishna’ as a brand name in most of its products has given a significant market presence for Krishna Grameena Bank. This brand image has been maintained and strengtheneded by proper and aggressive marketing strategies also. For example, when few claims after Krishna Grameena Bank marketed over 50,000 policies of super suraksha and 15,000 policies of sudarshan, Krishna Grameena Bank organized public function in respective area offices and invited local dignitaries to distribute the cheques for payment of claims. A special effort was made to give extensive media coverage for these events, which produced enormous impact further.

In short, Krishna Grameena Bank oriented approach to build image and to expand marketing has been a successful strategy.

Innovations of Krishna Grameena Bank in Products and Services:
Considering the on going changes in the operational area and increasing challenges from the competitors, Krishna Grameena Bank has been continuously designing new products and services to retain its existing customers and also to attract new customers. The recent initiatives implemented by Krishna Grameena Bank have been enumerated here below:

When BSNL introduced mobile telephony during January 2003, Krishna Grameena Bank came out with loan product to finance purchase of mobile, equipment with a nominal installment of Rs. 100-150 per month. This could bring considerable business to Krishna Grameena Bank and more particularly meeting the requirements of customers.
Similarly, Krishna Grameena Bank has been financing SHG’s, Anganwadi workers, VVV Club members, farmers etc to purchase LPG instruments and connection with a loan of Rs. 4,000/- and easy instalment of Rs. 100 per month in some cases, few unemployed youth have been given loans to purchase auto to supply refill cylinders to the customers in villages where LPG agencies are unable to do. This has brought significant rapport with the variety of customers to Krishna Grameena Bank and indirectly reducing the dependency of user community on fuel wood.
Krishna Grameena Bank has organized special seminar / workshop on financing manual and aromatic plants, floriculture crops etc and has financed few projects on experimental basis. Depending on the results, from production and marketing as also recovery, Krishna Grameena Bank is planning to advances more loans in this sector with an aim to diversify into emerging loans.
Krishna Grameena Bank has organized inspecial providing to large scale finance to some activities but it has taken a proactive approach in this regard during last 2-3 years. KGB has extended large scale finance of Rs. 25-50 lakhs after careful appraisal for ware house construction (for shortage of red gram, which is in surplus production in Gulbarga), hotel / lodging, shopping complex, marriage halls, bull dozers, earth movers etc. This has approved to be an encouraging experience for Krishna Grameena Bank.
Some of the rural branches of Krishna Grameena Bank have been facing problem of electricity and therefore Krishna Grameena Bank has introduced a scheme wherein if a branch fiannces 10 customer for the solar units, it is giving 2-bulb solar units. Rs. 11,00/- or 4-bulb unit worth Rs. 16,000/- to the branch as an incentive. This scheme has been able to promote environment consciousness and also convenience with both internal staff and enternal farmer customers.
Krishna Grameena Bank has introduced accident insurance with oriental insurance company in scheme called Krishna Jeevan Mitra S.B. A/c. A customer has to pay Rs. 15 per annum for insurance coverage of Rs. 25,000 and a minimum balance of Rs. 500 has to be maintained.
When some co-operative banks and RRB are reluctant to finance SGSY groups, KGB has taken special initiative to finance them but after ascertaining the quality of groups and productive purposes. Some groups have availed loan for purchase of tractor establishment of flour mill and preparation of pathroli leaves by using machines etc. It has been successful because the bank has identified the beneficiaries and released loans after careful appraisal.
Krishna Grameena Bank has entered into MoU with SB and Life and selling it super Surakash and Sudarshan policies as corporate agent since march 2003. This has given an additional net income of Rs. 1.5 crores to Krishna Grameena Bank and has brought extent customer loyalty to the bank.

In short, Krishna Grameena Bank has able to identify the needs of its customers at an appropriate time and design a user-friendly loan product, so that its is able to retain existing customers by strengthening the rapport with the bank and increase addition of new members by building public image at large.

TATA BP SOLAR

TATA BP SOLAR A COMPANY IN TUNE WITH ITS CUSTOMERS :
Established in 1989, Tata BP Solar is a Company with a rich lineage – a joint Venture of the Tata Power Company and BP Solar. The former is a pioneer in the Power Sector in India and one of the largest companies in the Tata Group, Corporate India’s First Citizen. BP Solar, on the other hand, is one of the largest Solar Companies in the world.

Inheriting a strong customer focus from both its parent companies, Tata BP Solar has always maintained a perfect balance between its passionate has always maintained a perfect balance between its passionate concern for the environment and its unflinching commitment to its customers.

Tata BP Solar is a Company which has its finger family on the pulse of its customers, whether it is designing a product to meet their specific needs, reaching out to them in every corner of the country or helping build a better world for them in every corner of the country of helping build a better world for them.

Even as it celebrated innovation in all that it does, Tata BP Solar sets great store by its HSSE credo of : ‘”No accidents, no harm to people, ensure security of personnel, properties and information and no damage to the environment”.

Today, Tata BP Solar has improved the quality of life of millions across India and the world! Illuminating homes, powering industries, fuelling interest in this clean, reliable and noise free energy source and encouraging its use everywhere.

But the journey for this100% Solar Company – the largest in India – is just beginning.

And the future is as bright as the star that is the raison d’être of Tata BP Solar!

PRODUCTS IN HARMONY WITH NATURE :
Tata BP Solar’s passionate concern for the world we live in and which we will pass on to our children, was one of the driving forces in the creation of this Company. Today, this concern is evident in every single product of Tata BP Solar - from the simple Domestic Solar Water Heating System to the highly specialized Solar powered Navigational Aids – has to pass the 3E Test: it must be energy efficient, it must be economical and it must be environment friendly.

And even as you read this, Tata BP Solar is helping millions across the world. Breathe a little easier and live healthier lives.

Tata BP Solar’s Product Range includes: Solar Photovoltaic Cells (Silicon Single Crystal and Multi Crystal).
Solar Photovoltaic Modules
Solar Batteries
Solar Charge Regulators
Solar Home lighting Kits
Solar Streetlights
Solar Lanterns
Solar Garden Lights
Solar Water Pumping System
Solar Power Packs for Homes and Offices
Solar Powered Vaccine Refrigerators
Solar Educational Kits
Solar Manpacks
Community Power Packs in Various ratings
Solar Power Systems for Telecommunication & Television Broadcast
Solar Powered Railway Signaling Systems
Solar Power Systems for off-shore Platforms
Catholic Protection of Pipelines
Solar AC & Diesel Hybrid System
Pv-Wind Hydrid Systems
Solar powered Navigational Aids
SPV Systems for petrol /HSD Dispensing Pumps
Solar Powered Bus Shelters
Solar Powered Milk Chiller
Solar Blinkers
Building integrated photovoltaic (BIPV) Systems
Solar Aids for Disaster Management
Solar Aids in Road Transportation
Solar Water Heating System
Solar Swimming Pool Heating System… And the list goes on!

A TALENTED TEAM ORCHESTRATING AN EXCELLENT: PERFORMANCE :
The real powerhouse behind the meteoric growth and success of India’s No. 1 solar Company, are the people behind it. The team of committed and competent professionals, who share the Company’s Vision, who participate in its mission, who believe in its values.

Steering Tata BP Solar and taking it to new heights are:

Syamal Gupta, Chairman
AK Vora, Managing Director
Steve Westwell, Director
Craig Coburn, Director
Boulin Bertr and, Director
Adi Engineer, Director
Dr. Ashok K Jhawar, Alternate Director
DP Mehta, Alternate Director
K. Subramanya, Chief Operating Officer
D Guru, Vice President (Finance & HR and Company Secretary)
K.Ravishankar, Sri. General Manager (Operations)
Keshav Prasad, Sr. General Manager (Engineering, QA & HSSE)

All able supported by the dedicated and talented men and women who make up the Tata BP Solar family.

STRIKING HIGH NOTES :
Tata BP solar employs the most sophisticated technology to harness the power of on energy source that is as old as life itself. Tata BP Solar Thermal Products and Systems are the largest of their king in the country. In fact, its 38 MW Solar Module Manufacturing Facility is one of the largest of its kind in the world! Further enchaining these world-class facilities is the polycrystalline Solar Cell Manufacturing Plant-India’s First and the most modern too!

At these facilities in Bangalore, India, are born a range of high quality, innovative solar Product that cater to individual customers, large institution as well as entire communicates. For custom-designed solar Electric Projects, the Company utilizes hi-tech Computerized system-sizing design tools.

Naturally, National and international accreditation’s and approvals have followed.

Tata BP Solar is the first Solar Company in India to have been awarded the ISO 9001 Certification form BVQl, London. It is also the first (and only) Solar Company in India to obtain the ISO 14001 Environmental Standards Accreditation from BVQl, London.

Tata BP Solar Product and systems have been accorded approvals by various National and international test agencies. These include: ISPRA–Italy.
Underwriters Laboratories (UL)
Factory Mutual (FM)
Arizona State University – USA
lECQ (PV-GAP)
Solar Energy Centre (MNES)
Telecommunication Engineering Centre (DOT)
Research Designs and Standards Organisations (RDSO)
DGS & D
CQAL
ONGC
Central Power Research Institute
World Health Organisation
Bureau of Indian standards
Asian Institute of Technology

DRUMMING UP BUSINESS WORLDWIDE :
It is company that benchmarks itself against the best in the world

It is a Company that is constantly aiming at Manufacturing Engineering and Organisation Excellence.

It is a Company that sales high quality standards, achievement them and then raises the bar yet again

From a modest Rs.16 million in 1991 – 92 to a phenomenal Rs. 4,690 million (US$ 106 million) in 2004-05, Tata BP Solar’s Sales History mirrors its dramatic and uninterrupted growth. More than 70% of its sales have comes from its exports and mote than 95% of these have been to the quality – conscious markets of Europe and America.

Yes, Tata BP Solar has the distinction of being the only Indian solar company to regularly export its products and systems to dozens of countries across five continents!

It’s “People First, Profits Later” Philosophy has seen Tata BP Solar reaching out to the remotest corners of India through a well-established network of Regional Officers, Customer Support Centers, Dealers and Marketing Associates.

Tata BP Solar also has a strong presence in the neighboring countries of Nepal, Bhutan, Bangladesh, Afghanistan and Sri Lanka.

For Tata BP Solar, its over 100 Dealers are “partners in Progress”. Individuals who share Tata BP Solar’s Commitment to the development and propagation of renewable energy. Together, Tata BP Solar and its Dealers have played a pivotal role in popularizing Solar Powered Products across the length and breadth of the country.

ACC Cements Wadi

WADI CEMENT WORKS, GULBARGA, KARNATAKA:
The wadi cement works at ACC was setup in the year 1968 with an installed capacity of 2.5 million ton per annum of ordinary Portland cement clinker. The current capacity after the commissioning of new plant is 5.20 million ton per annum. The factory is situated at the south-central part of the country in the state of Karnataka. It is well connected by rail and road. The nearest important railway junction, wadi, is one the central railway between Solapur and Gurmitkal. Wadi station is about 1 kilometer from the plant site. The plant machineries were originally supplied by M/s. Taylor and M/s. ABL and later have been renovated and upgrade over the years.

Geographically the site extends from East longitude 76 degree 4.5 inches. The nearest village is Wadi at a distance of about 1.5 km from the site on East-south-East direction. The existing colony of ACC Wadi is at a distance of about 1.2 km East of the site. The nearest railway station is Wadi at adistance of about 1.5 km. Wadi is a main railway junction on the broad guage line, connecting Wadi with Mumbai, Hyderabad, and Bangalore.

Wadi Cement works manufacture ordinary Portland cement type-43,53 grade (latest version of IS: 269,IS: 8112 and IS:12269

respectively) and Portland Pozoolona cement (latest version of IS:1489 part-1) under the brand name ACC SURAKSHA which makes fluorspar of fly ash upto 25percent thereby helping in maintaining pollution free environment.

In this plant, manufacturing of cement is based on “dry process”. The first step is to form, clinker from a fine ground mixture of calcareous and siliceous material with a small amount of fluxing material, which is heated at high temperature. In the second step, the formed clinker is ground with gypsum to form ordinary Portland cement. Various additives like pozzolona; fly ash etc may be added at this stage to produce Portland pozoolona cement.

Various raw materials like limestone, shale, iron ore, gypsum, calcinated clay, and fly ash are being used in this plant. Limestone is received from captive mines, located at Wadi. The limestone is fragmented by blasting with explosive. It is then loaded into35/50 tons dumpers with the help of shovels. The dumpers transport the limestone to the crusher, which is located at about1.5 km distance from the quarry face. In the crusher the limestone is crushed to 20 mm size. Then it is transported to the factory through a series of conveyer belts. Shale, iron and limestone are mixed in optimum required proportion and thoroughly homogenized pneumatically in blending silos after grinding the same in raw mills to the required fineness. This fine powdered material called “raw meal” is stored in storage silos from where it is pumped to preheated system where it gets calcined and then enters into the klin.

This material is burnt at 14500 C to produce an intermediate product known as clinker, in which pulverized coal is used as a fuel. Clinker is then cooled in cooler and sent to clinker storage gantry. From the gantry, it is sent to cement mills, where it is mixed with optimum quantity of gypsum and ground to the specified fineness to produce ordinary Portland cement. For manufacturing Portland Pozzolona Cement (PPC), clinker, pozzolona (CCP & fly ash) and gypsum are ground to specified fineness in optimum proportion to produce PPC. Produced cement is stored in silos, from where it is packed in bags with the help of rotary packers. The plants are fitted with electrostatic precipitators and Baby filters to control dust emission.

WADI THE PLACE:
Wadi is a small town in the Gulbarga district of Karnataka and has only recently become a municipal area. It is suitably situated at a distance of about 40 km from the district headquarters-Gulbarga and at distance of about 200 km from Hyderabad in Andhra Pradesh, Mumbai, Chennai and Bangalore also is only a night’s journey away. The only major centers, which are relatively inaccessible from Wadi, are New Delhi and Kolkata, with journey times in excess of 30 hours.

Wadi is a small place and the places of major interest are the ACC plants and colony themselves and the wadi railway station which is a junction. The rest of wadi is rough terrain. The level of education is fairly good in main wadi but it is poor in the surrounding villages. Health and hygiene and drinking water are major concerns of the people. The region is a limestone rich belt leading to the establishment of other cement units and ancillary industries.

EMPLOYMENT PROFILE:
Wadi works directly or indirectly provides livelihood to 10000 people. It employees about 1600 people as permanent employees and about 500-800 as contract labour. In addition there are people working as Transporter, Drivers, and Cooks etc. Apart from these there are a large number of businesses flourishing on account of ACC-these are as diverse as Tailoring to pan shops to STD booths, etc.