International Journals of Multidisciplinary Research
Academy (IJMRA)

Abstract:
Indian banking system is the lifeblood of Indian Economy. India considered being the fastest growing Emerging Market economy globally; it is inevitable fact that without strong and firm presence of banking at its place it will be difficult for our country economy to grow at the faster pace. India banking sector is considered one of the robust banking system. Nevertheless, it is unavoidable fact that this robust system is going through the worst crisis in recent times. Different measures are taken to overcome a crisis one of the biggest measures being taken and considered for re-engineering the entiresystem is Consolidation of Banks through Mergers & Acquisition. To implement this strategic decision taken the Government of India approved the proposal of merger of State Bank of India and its Associates & Bhartiya Mahila Bank. The research paper will focus on studying the financial performance of the merged bank prior to merger for financial year 2016-17 and post-merger for financial year 2017-18. The present study will also try to explore the whether the strategic decision of consolidation will help the banks to reboot themselves for better performance in coming years.
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Abstract:
It is undeniable that coronavirus has severely impacted the world economy, and the victims of this pandemic are from the MSME sector. Home bakers are not an exception to this. „Home baker‟ is the widely used term for entrepreneurs who sell bakery products made in their own homes. They serve personalised and unique cakes and other baker‟s delights as per customers needs by attending and preparing each order separately, whether it is related to the design of a cake, price, or packaging. Their uncompromising quality, affordable price structure, made-to-order operations, and a wide range of customised products have taken the bakery market to an ultimate level of business. Since it based on word-of-mouth has faced many challenges during the lockdown period. In India, the lockdown was enforced in mid of March 2020 resulted in cancelled orders, unused stock of supplies, and evereturned advances. Though the lockdown has created some economic constraints, it has enabled the home bakers to come up with new innovative ideas of business. Hence, this research study will present the challenges faced by the home bakers in the lockdown period as well as new ideas of business when the restrictions enforced in Pune.
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