ADHYAYAN: A JOURNAL OF MANAGEMENT SCIENCES

A Study on Investment Behaviour of Investor in Dehradun District

2025-06-28T13:05:19+00:00

This study scrutinizes the crucial role of saving in contemporary life, specifically highlighting arranging and investing as
essential elements for securing future financial stability. It underscores how people distribute their surplus funds across
different assets, considering factors such as risk, expected returns, and liquidity. The study investigates how psychological
factors like loss aversion and overconfidence influence investor behaviour. It stresses the significance of making wellinformed
financial decisions and addresses common pitfalls such as unrealistic expectations and insufficient risk assessment.
The research aims to uncover trends and motivations among investors in Dehradun regarding investments, utilizing a
comprehensive approach combining quantitative methods. “Ultimately, the objective is to convert theoretical knowledge
into actionable strategies that enhance financial literacy, improve investor outcomes, and contribute to the economic
growth of the region.

The The Influence of Demographic Factors on Investment Behavior: A study of Middle-Class Investors in Lucknow

2025-07-01T06:46:34+00:00

This study explores the investment behavior of middle-class investors in Lucknow, focusing on the impact of demographic factors—age, gender, and occupation—on the importance assigned to various investment objectives and fund allocation decisions. Using a descriptive research design, data was collected from 115 respondents through a structured questionnaire. The questionnaire captured demographic information and assessed the significance placed on different investment goals, such as high returns, child education, tax saving, and retirement planning, as well as the respondents' preferences for fund allocation across various investment options, including shares, mutual funds, fixed deposits, and real estate.

The collected data was analyzed using SPSS software, employing non-parametric tests, including the Kruskal-Wallis Test and Mann-Whitney U Test, to assess whether significant differences existed in the investment behavior based on age, gender, and occupation. The results revealed that while age, gender, and occupation did not significantly influence overall fund allocation, these factors played a crucial role in shaping the priorities of the investors. Age significantly influenced the importance placed on child education and hedging against inflation, with younger and older groups showing differing preferences. Gender played a significant role in determining priorities related to family income, child-related goals, and retirement planning, with males prioritizing retirement and females emphasizing child-related objectives. Occupation had a significant impact on the prioritization of high returns and child marriage, with business owners assigning more importance to these objectives compared to salaried and professional investors.

The findings of this research provide valuable insights into the investment preferences of middle-class investors in Lucknow, highlighting the need for financial products and services that are tailored to the specific priorities of different demographic groups. This study offers practical implications for financial advisors and institutions looking to better serve the diverse needs of middle-class investors based on their demographic profiles.

The Role of Artificial Intelligence in Education: Transforming Administration and Leadership for Revolutionizing in Education

2025-07-01T06:49:43+00:00

Artificial Intelligence (AI) is growing rapidly, and its uses are quickly woven into everyday life. AI data provides adaptive learning facilities by using mining, learning analysis, and real- time analysis, which increases student learning. An adaptive teaching system collects information about students and their behavior, which allows leaders at the educational institution to design personal learning routes for students. However, the inclusion of technology presents challenges and moral ideas that require careful attention; these problems will be detected in this paper. In addition to offering personal learning experiences for students, AI can help leaders and faculty members in tasks and plan tasks related to
improvement and development processes within the educational environment. In addition, this article analyses the political adjustment required to use AI effectively in the education sector.

Environmental Sustainability in Healthcare

2025-07-01T06:56:59+00:00

This chapter examines the intricate connection between environmental health and medical procedures. We look at the ecological effects of the healthcare sector and point out the primary reasons for concern. We then discuss innovative strategies and initiatives that hospitals around the globe have implemented to lessen their environmental impact. In our concluding part, we look at the bigger picture of sustainable healthcare, emphasizing how it could contribute to a more robust healthcare system and a healthier global community.

Green Growth in the Desert: Exploring Sustainable Investment Pathways in Rajasthan

2025-07-01T06:59:53+00:00

Owing to regulatory reforms, enhanced corporate governance standards, and global sustainability convergence, India has witnessed a complete transformation of the ESG (Environmental, Social, and Governance) paradigm. ESG Factors Under Investment Decisions, AUM (%) Growing AUM Under ESG Focused Approach. This trend aligns with India’s commitment to sustainable and resilient economic growth via strategic sectoral investments and regulatory efforts. As a result, ESG investments are anticipated to play an important role in rebuilding the Indian financial ecosystem in the future. In 2021, SEBI had issued the BRSR framework which is a path-breaking regulatory reform in this space. Under this framework the top 1,000 publicly listed companies must disclose sustainability performance while BRSR Core ensures that the first 150 companies undergo assurance for their annual report for FY24. With an eye on stronger transparency and accountability in sustainable business practices, FY25 will see the coverage of top 400 firms listed on exchanges as well as those companies striving for a better market share, while up-time coverage is expected for the top 1,000 listed firms by FY27.
This rising trend in ESG investing as a holistic long-term strategy speaks to investors’ faith in sustainable finance. We are at a critical crossroad where sustainability felt more like a matter of ethics rather than a matter of strategy. There are opportunities with a diverse market, a booming innovation ecosystem and policy boost, but also challenges like resource constraints, regulatory frameworks and infrastructure gaps even now. Sustainable investing refers to the evaluation of businesses beyond just financial performance; it also encompasses how those businesses impact you, those around you and the planet. Therefore, this study examines the evolving ESG landscape in India to identify challenges, opportunities, and the role of ESG investments in strengthening economic resilience and sustainable development on the ground.

The Incubator Effect: How Incubation Centers’ Challenges Can Disadvantage Women Entrepreneurs

2025-07-01T07:05:47+00:00

Purpose: Incubation centers are often touted as catalyst for entrepreneurial growth, yet women entrepreneurs frequently encounter unique challenges within these spaces. The purpose of this paper is to identify the challenges that business incubators are facing which is becoming a hindrance in the growth of women entrepreneurs.
Design/methodology/approach: This study has used the qualitative method by reviewing the previousre search that has been done and also by reviewing the reports of different organizations.
Findings: The findings reveal that major challenges that incubation centers are facing are financial sustainability, lack of skilled professionals and access to advance technologies that impacts the women entrepreneurs by reducing guidance, increasing burden, increasing their financial strain and limited exposure.
Research limitations: This research primarily relies on the existing literature that has been available. It covers the general perspective, but the result can differ for different and specific situations.
Practical implications: The findings of this research have crucial practical implications for incubation centers operators, investors, policy makers and government. By addressing the identified challenges through initiatives like sustainable funding model, Gender-sensitivetraining for incubator staff and Technology Equity Programs government and investors can support them which will help role in empowering women entrepreneurs which will help in the growth of the nation.

A Qualitative Study of Marketing Channels for Organic Packaged Kala Namak Rice in Siddharth Nagar District of Uttar Pradesh

2025-07-01T07:08:41+00:00

Purpose: The objective of the study is to identify current marketing channels for organic packaged Kala Namak rice in Siddharth Nagar and assess their efficiency in promoting and distributing the product. It aims to investigate the role of intermediaries in various channels, as well as their influence on product price and availability. Furthermore, the study aims to better understand the major problems that stakeholders, such as farmers, merchants, and consumers, encounter while using these channels.
Method: In-depth interviews and focus group discussions with 35 participants, including farmers, wholesalers, merchants, and consumers in Siddharth Nagar, will be used in this study. Purposive sampling was utilized to make sure that all main stakeholders were represented. The data were evaluated thematically, with an emphasis on major issues such as channel efficiency, price dynamics, and logistical constraints.
Findings/ Results: The findings shows that the distribution of Kala Namak rice is dominated by conventional marketing channels, such as regional wholesalers and merchants, according to the research. These channels, however, often lack efficiency and have notable deficiencies in logistical assistance and pricing transparency. Due to farmers’ lack of knowledge and technical obstacles, direct-to-consumer channels—such as organic shops and e-commerce platforms—show promise for increased profitability but are underused. Major obstacles include inadequate infrastructure for appropriate packaging and branding, expensive shipping costs, and constrained marketing resources.
Conclusion: Organic packaged Kala Namak rice’s marketing channels must be optimized in order to reach its full potential as a premium product. Collaborative solutions, such as farmer cooperatives, may assist enhance access to direct-to-consumer channels while minimizing reliance on middlemen. Investment in digital platforms, as well as better logistics and branding infrastructure, is critical. By resolving these issues, marketing channels for Kala Namak rice may be improved, resulting in long-term advantages for farmers and fulfilling the rising demand for organic goods in urban markets.

Exploring Mitigation Strategies in the Circular Economy for Tourism: A Comprehensive Approach to Long-Term Sustainability

2025-07-01T07:11:12+00:00

Tourism is an important growing sector in the service sector. It is environmental footprint raises significant concerns. While Circular Economy (CE) principles such as recycling and recovery are commonly implemented to mitigate the immediate effects of tourism, this research identifies a gap in the long-term application of mitigation strategies. Furthermore, social dimensions like community engagement and social sustainability are often overlooked. This paper explores innovative mitigation strategies in CE, specifically focusing on tourism, while incorporating the social, environmental, and economic dimensions. This study will offer a pathway toward achieving a fully sustainable tourism industry by analyzing eco-design, waste prevention, and holistic approaches that integrate Sustainable Development Goals (SDGs) beyond SDG 12.

Advancing the Circular Economy in India: Opportunities, Challenges, and Strategic Implementation

2025-07-01T07:16:53+00:00

The circular economy (CE) presents a revolutionary framework for achieving sustainable development by focusing on resource efficiency, waste minimization, and environmental conservation. In the Indian context, the rapid economic growth, urbanization, and population expansion have intensified the challenges of resource scarcity, waste management, and environmental degradation. Adopting CE principles offers an opportunity to address these issues while fostering economic resilience and sustainability.
This paper examines the potential of the circular economy in India, highlighting the sectors where its adoption could yield significant environmental and economic benefits, such as agriculture, manufacturing, energy, and urban development. It identifies key barriers, including regulatory inefficiencies, technological gaps, financial constraints, and socio-cultural challenges, that impede the widespread implementation of CE practices.
The study underscores the importance of policy reforms aimed at creating a conducive regulatory environment, promoting public-private partnerships, and incentivizing green innovation. Technological advancements, especially in recycling, renewable energy, and eco-design, are recognized as critical to enabling CE transitions. Furthermore, the role of entrepreneurship is emphasized as a driver of innovation, with green start-ups and SMEs playing a pivotal role in developing and scaling sustainable business models.
Finally, the paper provides a strategic roadmap for advancing CE practices in India, focusing on stakeholder collaboration, public awareness campaigns, and the development of measurable CE indicators to track progress. These recommendations aim to support India’s journey towards a sustainable, resource-efficient, and low-carbon economy.

Empowering Future Generations: Analysing Influencer Marketing Effect on Consumer Behaviour in Uttar Pradesh

2025-07-01T07:19:38+00:00

The study explores the role of influencer marketing in shaping consumer behaviour, with a focus on impulse buying across urban and rural areas of Uttar Pradesh. Using a descriptive research approach, data was collected through google form questionnaire to identify key factors influencing consumer decisions, such as trust, relatability, and content engagement. The findings reveal distinct patterns: urban consumers are drawn to aspirational and trend driven influencers, while rural consumers prioritize authenticity, practicality, and local relevance. The research emphasizes the importance of tailoring marketing strategies to address these differences, offering insights into how influencer campaigns can bridge the urban-rural divide. By understanding regional consumer dynamics, the study provides actionable recommendations for marketers to create more effective and inclusive campaigns that empower consumers and promote sustainable purchasing habits.

Driving Retail Success through the Sustainability: Insight from the Indian Market

2025-07-01T07:40:16+00:00

Retailing encompasses a set of activities aimed at selling products or services to consumers for personal or family use. This research paper focuses on the sustainability practices adopted by Indian retailers. Indian retail industry has significant impact on everyday lives of people, since it contributes to approximately 10% to the GDP. Sustainability in the developing economies is still in its nascent stage and is still striving for economic growth and environmental responsibility. A shift in the business world has been witnessed towards sustainable practices in response to the social and environmental impact of business. Sustainability is essential for transforming business model and emerge as more sustainable retailers.Indian retail sector must align with SDG-12 ( responsible consumption and production) and to further bolster it, should resort to sustainable financial practices by incorporating ESG factors into financial decision making for long term value creation. The current research paper investigates into two main perspectives. First is study of sustainable retail practices in India, and second the development of lucrative product range influenced by sustainability considerations followed by impact of investment on sustainability. The study relies on secondary data sourced from sustainability and annual reports published by retailers. The findings of the study conclude that sustainability is a critical factor for retailers. Sustainability not only influences the development of product ranges but also plays a significant role in consumer store preference. Stakeholders, primarily the investors, play a vital role in promoting sustainability practices. There is need to bridge the gap between customer preference and sustainability by nudging shoppers to make better choices. Ultimately integrating sustainable practices enhances retailers’ legitimacy, lure investors and fosters greater consumer trust. In the end it is concluded that Indian retailers still have long way to go in sustainable development in the economy.

Driving Sustainability: Exploring the Implementation, Opportunities, and Challenges of Circular Economy Practices in India’s Automobile Industry

2025-07-01T07:36:23+00:00

The rapid expansion of India’s automobile industry has contributed significantly to economic growth but has also raised concerns over resource depletion, environmental pollution, and waste management. The transition towards a circular economy presents a sustainable alternative to the traditional production model, emphasizing waste reduction, material reuse, remanufacturing, and recycling. This conceptual paper based on the existing literature, explores the implementation, opportunities, and challenges of circular economy practices in India's automobile industry, evaluating the extent to which manufacturers, policymakers, and consumers are adopting sustainable business strategies. The research paper begins by defining the core principles of the circular economy. It examines key initiatives by leading Indian automobile companies such as Tata Motors, Mahindra & Mahindra, and Maruti Suzuki, focusing on their recycling programs, remanufacturing efforts, and end-of-life vehicle (ELV) management. Government policies, including the Vehicle Scrappage Policy, Extended Producer Responsibility (EPR) framework, and the Faster Adoption and Manufacturing of Electric Vehicles (FAME) initiative, are assessed to understand their role in promoting circularity within the industry. This paper identifies significant economic, environmental, and social opportunities emerging from the adoption of circular economy strategies. These include cost savings from material efficiency, the creation of new revenue streams through refurbished vehicle parts, reductions in carbon emissions, and enhanced corporate reputation among environmentally conscious consumers. However, despite these benefits, several barriers hinder widespread adoption. Key challenges include inadequate recycling infrastructure, high initial costs of circular economy innovations, weak regulatory enforcement, and consumer resistance to second-hand and remanufactured automobile products. The study provides insights into how stakeholders can overcome these challenges and accelerate the transition toward a circular automotive ecosystem in India. It highlights the need for stronger policy enforcement, industry collaborations, investment in green technology, and increased consumer awareness. The findings contribute to the broader discourse on sustainable business practices and offer strategic recommendations for policymakers, automobile manufacturers, and supply chain partners to foster a more resilient and resource-efficient automotive sector. Ultimately, this paper underscores that integrating circular economy principles is not just an environmental imperative but also a business opportunity that can drive long-term economic sustainability while reducing the industry’s ecological footprint. A collaborative approach involving government intervention, corporate responsibility, and consumer participation will be essential to unlocking the full potential of circular economy practices in India’s automobile industry.