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Title: A Comparative Performance Appraisal of Bajaj Finance Ltd. and Tata Capital Financial Services Ltd.

Abstract: Non-Banking Financial Companies (NBFCs) play a crucial role in the Indian financial system by complementing banks in providing credit, promoting financial inclusion, and offering specialised financial services. The present study aims to evaluate the performance of selected NBFCs in India using key financial indicators. This research analyses profitability, liquidity, solvency, and efficiency ratios to assess the overall financial health of these organisations. Secondary data has been collected from annual reports and published financial statements of the selected NBFCs for a specific period. The findings reveal performance variations among NBFCs, highlighting strengths, weaknesses, and areas for improvement. This study conducts a comparative performance appraisal of two major Non-Banking Financial Companies operating in the National Capital Region (NCR) of India: Bajaj Finance Ltd. (Gurgaon) and Tata Capital Financial Services Ltd. (Noida). Using key financial metrics such as Assets Under Management (AUM), profitability ratios (Return on Assets - ROA, Return on Equity - ROE), net interest margin (NIM), asset quality (non-performing assets - NPAs), and capital adequacy, this paper evaluates the financial health, operational efficiency, and performance dynamics of both NBFCs. The findings highlight significant differences arising from their business strategies, asset quality, and scale of operations, providing actionable insights for investors, regulators, and stakeholders.

By Firoj Ahmed, Arvind Kumar Yadav
In Volume: 14,Issue: 2
Title: Attitudinal and Contextual Barriers to Green Product Adoption among Educators and Administration: A Case Study of Educational Institutions in Meerut

Abstract: This study investigates the perceived barriers hindering the adoption of green products within the educational ecosystem of Meerut, India, specifically adopting an institutional perspective. Recognizing educational institutions as crucial agents for promoting sustainability, the research aims to identify the structural, procedural, and normative impediments faced by schools, colleges, and universities in transitioning towards environmentally preferable goods and services. Utilizing a qualitative approach, data was gathered from secondary sources, through online mode and focus group discussions with key institutional stakeholders, including administrators, and faculty members in Meerut. The analysis reveals a complex interplay of perceived barriers operating at multiple institutional levels. Key impediments identified include: 1) Economic Constraints: Predominant concerns regarding the higher initial costs, green products and stringent, inflexible budgetary allocations; 2) Structural & Procedural Hurdles: Lack of clear institutional green procurement policies, cumbersome bureaucratic approval processes, and limited access to reliable suppliers/vendors offering certified green alternatives; 3) Behavioral & Awareness Factors: Insufficient institutional commitment and leadership prioritization, resistance to changing established procurement habits, and a lack of awareness or training among institution stakeholders regarding the benefits and availability of green options. The findings emphasize that overcoming these barriers requires targeted intervention sat the institutional level, including the formulation of supportive green procurement policies, dedicated budgetary provisions, streamlined processes, capacity building, and fostering a stronger organizational culture of sustainability.

By S.K.S. Yadav, Avika Baliyan
In Volume: 14,Issue: 2
Title: Building Resilience in the Gig Economy: A Systematic Review of Adaptive Strategies and Future Research Agendas

Abstract: Purpose: This article examines the role that psychological resilience plays in helping gig workers navigate the uncertainties and pressures of platform-based labour. The primary objective is to identify important elements contributing resilience and propose practical implications for those in HR positions and for policy makers. Design/methodology/approach: A systematic literature review was conducted in the Scopus database searching from 1,528 studies published between 2015 and 2025. A total of 56 peer-reviewed articles were selected for systematic review after careful examination. The data for study was also visualized to reflect sources, co-authorship relations, and the connections of their keywords. Findings: The research finds that psychological resilience in gig workers is a function of the right mixture of personal characteristics (such as optimism and good emotional control), how meaningful they find their work, and how strong their social support system is. Conversely, resilience is eroded by the problems of surveillance algorithms, precarious income, and social isolation. Effective answers include transparent control of algorithms, built-in well-being resources in apps, digital peer support groups, and portable benefits. There are still research gaps, especially concerning longitudinal data, representation from the Global South and larger-scale interventions. Practical Implications HR professionals and platform managers can enhance resilience by introducing mental health resources, promoting peer support and positively acknowledging gig workers’ contributions. Policymakers should focus on legal status, data rights and social protection to make gig work a viable choice.

By Aakanksha Bansal, Pankaj Kumar
In Volume: 14,Issue: 2
Title: Building Resilience in the Gig Economy: A Systematic Review of Adaptive Strategies and Future Research Agendas

Abstract: Purpose: This article examines the role that psychological resilience plays in helping gig workers navigate the uncertainties and pressures of platform-based labour. The primary objective is to identify important elements contributing resilience and propose practical implications for those in HR positions and for policy makers. Design/methodology/approach: A systematic literature review was conducted in the Scopus database searching from 1,528 studies published between 2015 and 2025. A total of 56 peer-reviewed articles were selected for systematic review after careful examination. The data for study was also visualized to reflect sources, co-authorship relations, and the connections of their keywords. Findings: The research finds that psychological resilience in gig workers is a function of the right mixture of personal characteristics (such as optimism and good emotional control), how meaningful they find their work, and how strong their social support system is. Conversely, resilience is eroded by the problems of surveillance algorithms, precarious income, and social isolation. Effective answers include transparent control of algorithms, built-in well-being resources in apps, digital peer support groups, and portable benefits. There are still research gaps, especially concerning longitudinal data, representation from the Global South and larger-scale interventions. Practical Implications HR professionals and platform managers can enhance resilience by introducing mental health resources, promoting peer support and positively acknowledging gig workers’ contributions. Policymakers should focus on legal status, data rights and social protection to make gig work a viable choice.

By Aakanksha Bansal, Pankaj Kumar
In Volume: 14,Issue: 2
Title: An Analytical Study of the Legal Position and Role of Securities & Exchange Board of India (SEBI)

Abstract: This paper highlights a long journey towards regulatory enhancement within the SEBI ecosystem through the lens of data analysis. The objective is to clear amalgamate existing SEBI systems with those deemed desirable according to the fundamental principles of regulation. It also provides the whole outcome of the research study based on the analysis. It also suggest various policy implications to the researcher and government for an efficient and transparent regulatory environment in the country. In conclusion, it provides a thorough analysis of the enforcement procedures employed by the Securities and Exchange Board of India (SEBI), elucidating their effectiveness, equity, and efficiency. Through rigorous data analysis and empirical inquiry, we have dissected the regulatory landscape, uncovering insights that transcend mere statistics. Our findings add to the current conversation about how well regulations work, how accountable institutions are, and how safe investors are in India's financial markets. They also aim to make SEBI's regulatory system more open, accountable, and trustworthy.

By M.P. Verma, Deepa Singh Yadav
In Volume: 14,Issue: 2
Title: Impact of Generative AI (ChatGPT, Gemini, Copilot) on Learning Efficiency in the Indian Education System

Abstract: Generative Artificial Intelligence (GenAI) has emerged as one of the most influential technological developments shaping modern learning environments. Tools such as ChatGPT, Google Gemini, and Microsoft Copilot are increasingly being used by Indian students and teachers for explanation, summarization, content generation, and academic support. This study examines how these tools influence learning efficiency in the Indian education system. Using a mixed-method design consisting of a structured student–teacher survey and focused interviews, the study explores changes in understanding, productivity, doubt-clearing, academic confidence, and skill development. Findings reveal that GenAI significantly enhances conceptual clarity, reduces learning time, and supports self-paced learning. However, concerns remain regarding over-dependence, misinformation, ethical use, and unequal access. The paper concludes with recommendations for responsible AI integration in Indian classrooms.

By Shantam Babbar, Rajesh Kumar Raju, Monika Kumari
In Volume: 14,Issue: 2

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