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ATSS’s

Institute of Industrial and Computer Management and Research,

Nigdi

Academic year – 2018-2019

In this issue. . ..

1) ATSS trust 2

2) Editorial board 3

3) Vision & Mission 4

4) Message from Patron 5

5) Editor's Desk 6

6) Academic Report 2018-19 8

7) Events Report 15

8) Placement cell report 21

9) Achievements (Faculty, students, staff) 23

10) Articles, Poems, Students’s Sharing 31

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About Parent Trust - ATSS

Audyogik Tantra Shikshan Sanstha (A.T.S.S.) the parent body of City

Pride School and Junior College, CBSCA - is a Pioneer Technical Training

Institute established in 1963, about 52 years back, imparting training in the

technical field. ATSS was founded by visionary personality Prof. M. D.

Jambhekar, under whose able leadership this institution continues to make its

mark in various fields of education.

ATSS was promoted by Engineering Industries in Pimpri –Chinchwad

Industrial Belt and was the first to start NCTVT-APPRENTICESHIP Training

Institute in India. With changing technologies in Industries, we introduced

advanced training courses in Computer Aided Engineering.

These courses became very popular as it exactly fulfilled the requirement

of Engineering Industries. The Institute is recognized by Department of

Electronics (DOEACC), Govt. of India, Board of Technical Education,

Maharashtra State for conducting various Basic and Advance computer

Courses. More than 22,000 students have passed out and well placed in different

Industries all over India and abroad. The last decade has put Pune on the World

Corporate map as an emerging hub of knowledge; Pune proudly carries the title

of being an Automobile city as well as IT cluster with immense employment

opportunities. Keeping this in mind, The Trust established ATSS College of

Business Studies & Computer Applications (CBSCA), which is located at

Chinchwad Campus. The undergraduate courses like Bachelor of Business

Administration (BBA), Bachelor of Business Administration - Computer

Applications [BBA (CA)] under the Faculty of Commerce and Bachelor of

Science – Computer Science [BSc (CS)] under the Faculty of Science -

affiliated to Savitribai Phule Pune University [SPPU] The Chinchwad

campus of the ATSS CBSCA is located in the vicinity of Asia’s one of the

biggest Industrial belts i.e. Pimpri Chinchwad Industrial belt, and has an

advantage of convenient commuting by bus as well train. While, the Nigdi

campus in close vicinity of Hinjewadi Software Park, runs for around 3 acres of

lush green appearance with facilities like hostel, gymnasium, and Cafeteria.

City Pride CBSE School approved by CBSE board & Junior College by

State Board, and a Management Institute under the Trust execute at Nigdi

Campus.

The trust has developed its own State-of-art infrastructure to make the

students comfortable and competent. The well-equipped computer labs with

latest versions of Computers and software, spacious classrooms, Library loaded

with relevant books and a seminar hall with a 200 seating capacity gives the

Institute a professional ambiance.

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Magazine Editorial Board: Pratibimb [2018-19]

Patron Mr. M.D. Jambhekar

Advisory

committee

Dr. Ashwini Kulkarni

Mrs. Nalini Jambhekar

Dr. Deepali Sawai

Dr. Aruna Deoskar

Dr. Vidyadhar Kumbhar M.D.(Ayu)

Dr. Sushil Arora, CMF’s COPHY, Chinchwad

Editor in Chief Dr. Abhay Kulkarni

Executive Editors Dr. Priya Deshpande

Mr. Maruti Prasad

English Section Ms. Renu Mathew, Ms. Ramya Nair

Marathi Section Dr. Priya Deshpande, Dr. Manik Rajopadhyay

Hindi Section Dr. Khushaboo Sahu, Mr. Maritu Prasad

Student

Represntative

Mr Rakesh Gotyal–GS IICMR

Mr Rupesh Chaudhari – ARKO President [IICMR]

Mr Abhilash Naidu – Sports Coordinator [IICMR]

MrGovind Bhakkad – Sports Coordinator [IICMR]

Cover page Design : Mr. Ishwar Bhate (MCA III)

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Vision

To be centre for quality education and research,

through excellent academic ambience and natural

relation with society and industry, with an

objective of purposeful existence in society.

Mission

We, at ATSS IICMR, regard it as our mission to

develop competent professionals & entrepreneurs

capable of withstanding and managing the ever-

changing scenario in the world of Information

Technology &Management, and having a deep-

rooted sense of social responsibility.

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Patron’s Message

Dear Students ,

Within 4/5 weeks , new Government will come into existence. This will be, I

hope Era of new opportunities for young MBA’s and MCA’s. How the young

budding managers will take the advantage ?

1st important point is ‘Do what you like the most’, opportunities are everywhere.

But you will be successful in the field you like.

Second point is how to know ourselves. Most of the graduate students after

passing even Master’s degree are not very clear what they want to do in life. If

you do not know what you want to do , how you could take advantages of

opportunities ?

Therefore decide clearly and precisely what to do in future life. To know what

you like , Industry, Business, Art, Fine Art, move , travel, attend the business

meeting. You would know , what is happening outside and what is area of your

liking.

Dear students, you can mould your career as per your liking and you will be

best in the field.

GOOD LUCK!

Mr. M D Jambekar

ATSS Trust Chairman

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Editor's Desk

Are you Facebook SMART of Face to Face?

It gives me a great pleasure to interact with you all through Patibimb.

Since it is my first interaction of this year through Pratibimb , let me wish you

all a very happy, Prosperous and healthy new year 2019 .

Pratibimb is your own image seen by you or others having reflection image

about you. Today with the new age era, I see lot of change in socio, family

cultural dimensions in communication. The way with which connectivity,

networking , interactions ,dialogue is taking place within and between persons

in society.

The technology is playing a pivotal role in this change and speed of change.

From 2 years Children to 85 years old grandfather/grandmother everyone is

conversant with digital network devices. This has enhanced the speed of

networking, communication and connects. Face to face communication is

slowly moving towards face book communication.Is this the only way of

communication?

This is not a healthy and transparent communication. In face book

communication you take the meaning of the word,what is said and not meant.

Therefore lot of misunderstanding and miscommunication is taking place

resulting in efficiency and less effective outcome.

I suggest we need to explore technology for our process excellence without

damaging human relations and with proper interaction. How this can be done?

1. With Faith and fair communication

2. Giving Space and Time

3. Remove ambiguity in communication

4. Demand clarification from receiver and sender

5. Complete the communication with forward looking and backward

integrating feed back loop

Thus technology will enable the change and speed of change which will be

taking place through communication, but it is human emotional quotient which

will significantly enhance people side of productivity.

Therefore my sincere appeal to all is , to have effective and efficient use of

Technology for communication but never miss the bus of face to face

communication which will be impact full and result oriented for personnel and

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business excellence .This is the need of today’s competitive and challenging

business situation.

Therefore be Face to Face SMART in communication in understanding Facts

,Ideas , feelings and opinions of the communicator and respond than react to

explore beauty of communication.

Dr.Abhay Kulkarni

Chief Editor - Pratibimb.

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ANNUAL REPORT 2018-19

Dr. Deepali Sawai,

Director-MCA

Our ATSS Family

It's a great pleasure for me to present before you a comprehensive report on

Audyogik Tantra Shikshan Sanstha i.e. ATSS and the Institutes running under

ATSS, for the Academic year 2018-19

ATSS was established in 1963 to impart technical education & was founded by

visionary personality & educationist Mr. M.D. Jambhekar our Chairman. It's

my pleasure to tell that we have completed 50 years on 1st February in 2013. I

have witnessed this growth for last 25+ years and I am very happy to be

associated with ATSS family. I salute Jambhekar sir's dedication, and the

efforts he made when there were hardly any facilities in PCMC area. He is very

active at an age of 86 and always motivates and guides us. Under his able

leadership, ATSS has established it's name as one of the topmost institutes

offering range of courses from KG to PhD in three campus operations namely

Chinchwad, Nigdi and now in Moshi.

At Chinchwad campus various courses are conducted which includes,

• Certificate course in Advance CAD, CAM & CNC Technology,

recognized by Vocational Board, Maharashtra State.

• Under ATSS Industrial Training Centre we have Mechanical

Draughtsman, recognized by DGET, New Delhi

• Under ATSS College of Business Studies and Computer Applications

(ATSS CBSCA) Graduate courses like BSc (Comp.), BBA & BBA(CA)

affiliated to Savitribai Phule Pune University are conducted.

• We have CMF College of Physiotherapy affiliated to MUHS, Nasik

conducting Bachelors and Master of Physiotherapy in the same campus.

At Nigdi Campus,

Under IICMR we have MCA, MBA courses Approved by AICTE, affiliated

Savitribai Phule Pune University, accredited by NAAC. In the same campus we

have City Pride School, affiliated to CBSE, New Delhi , and accredited by

NABET , City Pride Junior College (CPJC) affiliated to Maharashtra State

Board.

This year we have new campus coming up at Moshi, for City Pride School.

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In this long journey, ATSS has maintained its mission of delivering high quality

of education & achieved the target of molding the budding professionals at

affordable fees and I am proud to say that like past years, our institute has

achieved the set target regarding result, and quality education this year too.

Extra Inputs to the students

Apart from teaching, the regular syllabus of University all the Institutes under

ATSS are keen in imparting the extra inputs. Knowing the importance of

presentation and communication skills we have given an intensive soft skill

development & Aptitude coaching to all our students, which includes debates,

mock interviews, aptitude coaching, business English, letter writing, breaking

news analysis, Movie analysis thus grooming overall personality of all our UG

& PG students.

Experts' Visits to campuses

To increase the technical skills and to bridge the gap between Industry and

academia, this year too we have conducted expert lectures on various topics.

Our students were benefited by Industry and academia experts during many

lectures, workshops & seminars throughout the year at IICMR. Few amongst

them were:

Mr. Abhay Pendse , Chief Technology Officer, Persistent Systems, Chairman,

CSI, Pune

Ms. Sweta Kulkarni , Vice President , Herbhinger Technologies Ltd

Mr. Mandar Kulkarni , NetCracker

Mr. Nitin Bhosle,MD- APAC Magic software,

Mr. Amit Jadhav, CEO, ModelCam

Mr. Naresh Jain, Co-founder and CEO of Snapper Future Tech Pvt. Ltd.

Mr. Amol Palshikar, Co-founder, Plezmo

Mr. Nitin Kakade, Founder PARC Robotic Ltd.

Mr. Sagar Kasar, Founder MD & CEO,Shirasmane Software Solutions Pvt. Ltd.

Mr. Vishal Vyas, MD & CEO, KnowNXT LLC, UAE.

Dr. Dilip Kanade, Mr. Anand Mahendra, Mr. Anand Deshpande

and so on visited our campus & guided our students. They greatly enlightened

our students & faculty members with their vast experience and knowledge base.

Industry Exposure through MOUs

IICMR believes in giving wide Industry exposure to the students in their

respective subjects to enhance their overall knowledge, in line with this and to

reduce the gap between Industry and Academia, IICMR has signed MOUs with

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various organizations like Persistent Systems, PMI, Quick Heal, Alphonso India

, Telluric Tech. Angular Minds. The Nigdi campus is a Computer Society of

India (CSI) students' branch since last 5 years. The main motive behind these

associations is to bridge the gap between Industry and Academia by conducting

various lectures for Students and faculty, Industrial tours for students, getting

guidance for the students on projects as well as conducting placement drives.

Like every year this year the students went for industrial tours. The students of

MBA visited Kalyani Maxion Wheels.

Value-Add Add-on courses

ATSS believes in giving students additional knowledge through Value add ,

add-on courses over and above the syllabus set by the University. Digital

Marketing , Workshop on Employability and Interview skills, Android

Workshop, English sessions series , Personality Development Workshop , FDP

on Essence of Research ,workshop on Cyber Crime and its Awareness were few

of the value added workshops and courses conducted at Chinchwad campus for

students and faculty members.

IICMR-MBA conducted Certification courses in Banking & Portfolio

Management, Digital marketing and Certification course in HR Processes and

conducted session on Budget analysis and impact of GST on Indian Economy.

IICMR -MCA students were trained and got certified in International Oracle

Database SQL Certified Expert, OCJP - Certification exam for JAVA and also

ISTQB certification for software Testing. A big share in this achievement goes

to Mrs. Renu Mathew, Mrs. Rupali Bhangale and Mr. Sanjay Mathapati who

trained these students. A Certificate level Laptop and Mobile repairing

workshop was also conducted for MCA 1st year students in the month of

January 2019. These add-on courses would surely make out students' resume

rich.

Excellent Placements

Result of all these efforts was reflected in terms of the placement in various

prominent companies in and around Pune.

MBA Students got placed in Kirloskar Oil Engines Ltd, eClerx Services

Limited, ICICI Bank Ltd, Larsen & Toubro Limited ,Fleming India

Management Services Pvt. Ltd , Matrimony.com American Express India, Total

Advertising Solution (I) Pvt. Ltd, Serco Global Services Pvt. Ltd., Reliance

Foorprint, Nishi Adds Solutions Private Limited, Polycab Wires Pvt. Ltd,

Wisteria Real Vision Pvt. Ltd., Dr. Johns Lab Healthcare Pvt. Ltd., IDBI

Federal Life Insurance co. Ltd, Country Club India Ltd

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MCA students got placed in Quick Heal, Xento, Mastek, , Synechron, ETH,

Persistent ,Xtremum Solutions SysTools Software Pvt. Ltd , Syntel, PTC

Software (India) Pvt. Ltd. Symantec , Harbinger Systems, Syntrosys Software,

Autodesk India Pvt. Ltd., Connect 91, Web Solutions, Vegantaram Software ,

Dreamure Technologies , R n D Labs India , AmiWorks Solutions Pvt. Ltd,

Timeless learning technologies Webtech Developers Pvt. Ltd., Ad Solutions

,Vertis Infotech , IDRIG SOFTWARE , VASP Solutions LLP. , Dataman

Systems , Zensar Technologies , Jits infotech , CrediPoint Solutions , Prism

Technologies , Fintechnobridge Solutions , E-Dreams Solutions, Telluric

Tech,Next Path Technologies and the placements are still going on….

Learning by Doing:

Along with regular studies the students are also involved in various innovative

assignments, this year MCA students developed projects based on Data

structures & Networking subjects. MCA department have conducted Computer

Organization workshop for students to know and understand the actual

architecture of computers.

Inter-collegiate Events:

MBA Department successfully conducted “Udaan”, on 2nd and 3rd Mar 2019, a

state level Inter Collegiate Business Competition in association with SP Pune

University, which was sponsored by PMI Pune Deccan India Chapter Over 200

students from various colleges participated in the event.

For last 8 years MCA department has been organizing TechnoCase , a state

level Intercollegiate case study and Project Competition for UG & PG students.

This year it was organized on 8th September 2018. Over 100+ students from

various colleges and Institutes in and around Pune participated in the

competition.

Quality Improvement Programme at IICMR :

Under the Quality Improvement Programme (QIP) Initiative of SP Pune

University MBA conducted National level seminar on “Getting Ready for

Industry 4.0” and MCA department conducted state level seminar on “ Digital

Transformation through Industry 4.0” on 14th and 15th December 2018.

IICMR will be publishing the second issue of the thirteenth volume of it's own

double blind reviewed, International research Journal “I4 : Institute Industry

Interaction with Innovative strategies” soon.

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Celebrations

Like every year, this year too both the campuses celebrated the Ganesh festival

in eco friendly manner, student organized Dandiyai in Navaratri, and a

programme for teachers on teachers day. Showing their respect to their teachers.

In addition to this , the activities conducted include : Book exhibition , Library

day celebration, Freshers day, Alumni Meet , Parents meet. In addition to this,

various activities like : Book exhibition , Library day & Reading Day

celebration took place in this year.

Academic Social Responsibility:

Under Academic Social Responsibility, tree plantation and Blood donation

camp were organized. Nirmalya Collection was done at the time of Ganesh

festival. Students conducted awareness programme for the society on

celebrating pollution free Ganesh festival. Blood donation program is organized

in March 2019 to create the awareness among students. The outcome of all

these activities, lead to the social sensitization amongst the students.

Staff & Students Welfare

Under Students welfare more than 25 students are getting benefitted from both

the campuses under the Earn & Learn scheme, where they are working in

Library, Computer Lab , Office. Vidyarthini Vyaktimatwa Vikas and Women

Empowerment programmes were conducted for girls and women from

Chinchwad & Nigdi Campuses which were sponsored by Savitribai Phule Pune

University

Students' Achievement

IICMR feels proud to share that Ms. Chanchal Panpaliya of MCA III bagged 10

th rank in SP Pune University Merit list 2018.

Apart from academics , the institute always encourages the students to

participate in various inter collegiate events to explore their talents. Our

students had participated in Intra-collegiate & Intercollegiate events on Paper

presentations, seminars, sports, dance etc. and won prizes.

Mr. Vinit Bansal & Mr. Hanuman Karale of MCA I are selected

Entrepreneurship Development Programme and Initiative of NSTEDB,

Department of Science and Technology, Government of India .

Mr.Vinit Bansal was declared as a winner of “Kaun Banega Management

Guru” at Udaan 2019 an Inter Collegiate Business Competition .

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Mr. Vinit Bansal was also awarded with the certification of Excellence in

Python Workshop organized by PIBM, Chinchwad with Microsoft Authorized

Education Partner “Corcode Techno”.

Mangsh Zarkar of MCA-I won third prize in ‘CShuffle’ competition held at

PCCOE, Akurdi

Mr. Mayur Bhandare of MCA-I won first prize in the competition ‘Persona’ at

PCCOE, Akurdi.

Mr. Piyush Jain of MBA has got first prize in essay competition at NSE

Investor Fair and 2nd prize in “Model United Nations “- at National Insurance

Academy’ seventh Mantham 2019.

Ms. Amruta Palkar of MBA is appreciated for her achievements at STUNA

NIPM -student chapter and got First prize in “Brand Bazar” - DY Patil

Institute of Technology, Pimpri

Mr. Vishwesh Mukadam of MBA has got Picture Perfect award in the DSLR

Category, at Sinhagad Institute, Karandak.

Faculty Achievement:

Dr. Abhay Kulkarni has been awarded with honorary Degree of Doctor of

Letters (D.Litt) in March 2018 by University of South America, Montevideo.

Dr. Deepali Sawai has been certified as the reviewer in 4th International

Conference on Computing Communication Control and Automation-

ICCUBEA in association with IEEE Pune Section and Association of Scientists,

Developers and Faculties (ASDF). Dr. Deepali was also invited as a session

chair in the 4th International conference on Computing, Communication control

and Automation ICCUBEA 2018 in association with IEEE Pune Section

organized by Pimpri Chinchwad College of Engineering , Pune on 17th and 18th

August 2018.

Our faculty members too are very much motivated and take keen interest in

Research activities and also attending seminars, workshops on newer

technologies.

Ms. Renu Mathews, Pretha Prasifdh, Rupali Bhangale and Asmita Choudhari

successfully completed the Magic software course.

Like every year this year too faculty members presented their research papers in

various National & International conferences.

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Ms. Rupali Bhangale, presented a paper on “ Smart solution to reduce damage

of food grain in warehouses “ at International conference at Nashik.

Dr. Jyoti Bhanage, participated & Presented a research paper titled, Role of

Customer Centric Service Quality for an Entrepreneur in Automobile Sector for

National Research Conference on the theme Managing Strategies in VUCA

World on 29th & 30th Jan 2019 at Indira School of Business Studies, Wakad,

Pune.

Ms. Vidya Hittalmani, has been awarded by Keshav Pushpa shiksha Puraskar

from Keshav Pushpa trust for creative contribution in management education.

Ms. Vidya Hittalmani, presented a paper on Users perception towards mobile

payment apps at International Conference VUIC2019 held on 28th February and

1st March at Vishwakarma University.

I would like to conclude my report by appreciating all my staff members and

also all the students for their outstanding academics as well as professional

achievements

With a promise of new heights to reach & still a brighter future to come I

conclude my report.

Thank you.!

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Event Report 2018-19 : Department Name: MBA

Sr. No. Event Date

1. Certification on Banking &

Portfolio Management

3-6-18 to 17-6-18

2. Summer Internship Review-1 9-6-18

3. FDP 19-6-18

4. Summer Internship Review-1 21-7-18

5. MBA Induction (second year) 21-7-18

6. MBA Induction (First Year) 1-8-18 to 7-8-18

7. Outbound Training 4-8-18

8. SDP, CEP, Mentoring

Orientation

7-8-18

9. SDP1-Optimum Utilization of

Resources & Team Building

10-8-18

10. Seminar- Corporate Mentoring

“Building Professional

Excellence” & “Strategic

Deployment Workshop”

11-8-18

11. Add-on Course- Advanced

Excel(MBA first year)

13-8-18

12. EEP-1 13-8-18

13. CEP1-SWOC 14-8-18

14. SDP2- News Broadcast 17-8-18

15. IICMR Today 18-8-18 to 20-10-18

16. Add-on Course Business

English

20-8-18 to 22-10-18

17. EEP-2 20-8-18

18. CEP2-How to prepare PPT 21-8-18

19. SDP3- Know your Dream

Organization

31-8-18

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20. EEP-3 27-8-18

21. SDP4-ndustrial Relations-Role

Play

10-9-18

22. Corporate Mentoring 31-8-18 to 19-10-18

23. Seminar- Basic Marketing

Terminologies

5-9-18

24. Workshop- Strategic

Deployment

1-9-18

25. Add-on Course- Advanced

Excel(MBA second year)

4-9-18 to 23-10-18

26. CEP-4 Communication –

Writing and Speaking skills

4-9-18

27. SIP Internal VIVA VOCE 7-9-18 to 8-9-18

28. SDP-5 Connecting Dots 27-9-18

29. Industry Visit- SDTRONICS 8-9-18

30. Seminar 4- Consumer

Awareness and Financial

Literacy

8-9-18

31. CEP5- How to Present

Yourself

11-9-18

32. Seminar5- Basic Finance

terminologies

15-9-18

33. CEP6-Impression Management 18-9-18

34. Seminar6- Basic Operational

terminologies

22-9-18

35. CEP7- Enabling Thought

Process and Time Management

25-9-18

36. Business Process Excellence 5-10-18 to 7-10-18

37. Placement Process Begins 8-10-18

38. Job Fair 13-10-18

39. EEP- Personal Grooming &

Employability Enhancement

Skill.

15-10-18 to 16-10-

18

Page | 17

40. Certification – HR Core

Processes

17-12-18 to 24-1-19

41. National Workshop “Getting

Ready for Industry 4.0”

14-12-18 to 15-12-

18

42. STUNA- NIPM Student

Chapter, Introduction of

STUNA to select students

9-1-19

43. SDP6-Model Making 11-1-19

44. SDP7- Success Story of Mr.

Sapan Vaidya

11-1-19

45. Certification- Digital

Marketing

12-1-19 to 24-4-19

46. Add-on Course- Business

English

12-01-19 to 09-03-

19

47. CEP8 –Group Discussion

Basics

16-1-19

48. Seminar-“Qualities required to

become a Successful

Marketing Professional &

Career Opportunities in

marketing.”

17-1-19

49. CEP9- Smart Investment with

NSE

23-1-19

50. STUNA- NIPM Student

Chapter

24-1-19

51. CEP10- High Performance

Altitude

30-1-19

52. 2 Days workshop in association

with Board of Student

Development SPPU- First Aid-

Emergency Medical help- Dr.

Dilip Kanade

31-1-19

53. Industrial Visit- Kalyani

Maxion Wheels

2-2-2019

54. Seminar-"Finance for Non

Finance" & "Budget 2019"

7-2-19

55. Parents Meet 9-2-19

56. CEP11- Developing Effective

Communication

13-2-19

57. UDAAN 2019 2-3-19 to 3-2-19

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Event Report 2018-19 : Department Name: MCA

Sr. No Event Date

1 Semester Orientation MCA II

and MCA III 25th -27th Jun 2018

2 FDP on La-Tex 29th Jun 2018

3 Workshop on Arduino 19th -20th Jul 2018

4 Session On BI 28th Jul 2018

5 MCA I Induction 13th -18th Aug 2018

6 TechnoCase 2018 8th Sep 2018

7 Session On Magic Software 9th Oct 2018

8 QIP 2018 14th -15th Dec 2018

9 MoU with Pune Tech

Technologies 18th Jan 2019

10 Parents Meet 2019 19th Jan 2019

11 Semester Orientation MCA I

and MCA II 21st Jan 2019

12 Session On Introduction to

Shell Scripting 9th Feb 2019

13

Session On Introduction to

Devstack and its application in

Cloud Security

12th Feb 2019

14 IT Conclave 22nd -23rd Feb 2019

ASR , ARKO Club and SWC Extracurricular Activities

Sr. No. Name of the activity Date

1 Tree Plantation 5-6-18

2 International Yoga Day 21-6-18

3 Celebration of Independence

Day

15-8-19

4 Poster Competiton –“Eco

Friendly Ganesha”

18-8-18

5 Fresher’s Day MCA

7 Awareness on Waste

Management (Street Play)

25-8-18

8 Library Day 20-8-18

9 Disaster Management- Kerala

Flood Help

21-8-18

10 Teachers Day 3-9-18

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11 Celebration of Eco-friendly

Ganesha

13-9-18 to 17-9-18

12 Nirmalya Collection 23-9-18

13 Wachan Prerana Din 15-10-18

14 Dandiya Night 15-10-18

15 Vigilance Week 29-10-18 to 3-11-18

16 Rashtriya Ekta Diwas 31-10-18

17 Management Learning’s from

Dabbawala (Rotary Club)

8-1-19

18 India first Leadership talk

series-By Mr. Anand

Mahendra

8-1-19

19 Runnathon 13-1-19

20 India first Leadership talk

series By Dr. Anand

Deshpande

24-1-19

21 Nirbhay Kanya Abhiyan on

‘Women empowerment &

Social security’

29/01/2019

22 Nirbhay Kanya Abhiyan on

‘Self awareness on health and

hygiene’

8/2/2019

23 Blood Donation Camp 18-2-19

24 Nirbhay Kanya Abhiyan on

‘Self Defense: Need of the

hour’

20/2/2019

25 Vidyarthi Purak Upakram 5-3-19

26 Sports Week 11-3-19 to 16-3-19

27 RAINBOW 2019 16-3-19

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Academic Result

Sr. No Program Name Passing Persentage

1 MBA 80.00

2 MCA 85.54

Academic Toppers List 2017-18

Sr. No. Name Course CGPA

1 Ms. Chanchal

Panpaliya

Track I MCA 77.30

Ms. Sarika

Mahashete

Track III MCA 76.00

2 Chinmay Gadre Financial

Management

(MBA)

78.50%

Richa Kumari Human

Resource(MBA)

73.00%

Abhishek Chandan Marketing

Management(MBA)

71.20%

Sakore Santosh

Pandurang

Operations

Management(MBA)

71.63%

Sushma Sunder

Shetty

Information

Technology(MBA)

64.90%

Nandita Deepak

Kakade

Supply Chain

Management

(MBA)

66.83%

Palav Neha Ravindra Services

Management(MBA)

64.43%

Kirankumar Takalkar International

Business

Management(MBA)

64.37%

Page | 21

Placement Report : MBA

Sr. Company Name No. Of No. Students

Placed

1 Mitroz Technologies 1

2 Westeria Real Visions 2

3 Credence HR Services 1

4 IKEA 1

5 Tradetime Financial Services 3

6 Just Dial 5

7 Ravi Rajapurkar and Co. 3

8 CoreView - Jinni 2

9 HR Remedy 1

10 Atos – Syntel 4

Page | 22

Placement Report :MCA

Sr. Company Name No. Of No. Students

Placed

1 Next Path Technologies 3

2 PTC 4

3 Systools 2

4 Dataman Systems 1

5 Aloha Tech. 4

6 Telluric Tech. 5

7 Shendge Sol. 2

8 Connexis Technologies 1

9 Allied Softech 1

10 Dexciss technology 2

11 Sakshi Softech 1

12 RTS 3

13 Alphoso India 2

14 BMC 3

15 TCS 3

16 Congnizant 3

17 Oxytech 1

Page | 23

Faculty Achievements: MBA Department, IICMR, Nigdi

Sr.No. Name of the

faculty/student

Achievement details

1 Dr. Jyoti

Bhanage

1.Participated & Presented a research

paper titled, Role of Customer Centric

Service Quality for an Entrepreneur in

Automobile Sector for National

Research Conference on the theme

Managing Strategies in VUCA World

on 29th & 30th Jan 2019 at Indira

School of Business Studies, Wakad,

Pune

2 Mrs. Dipti Bajpai 1. Organized National Level

Workshop on " Getting Ready

for Industry 4.0" as a Secretary.

2. Redesigning and content writing

for MBA@IICMR website

3. Conducted a session on Explore

the Me- Journey to explore self

for working women.

4. Conducted a workshop on

Design Thinking for secondary

students.

5. Published article on "Industry

4.0 and Social Innovation

Perspective" at National Level

Workshop on " Getting Ready

for Industry 4.0". Proceedings.

3 Mrs. Neha

Inamdar

Conducted one Lecture on

Employbility Enhancement in

Ramkrishna More College, Nigadi

4 Dr. Sukhmeet

Kaur

1. Paper presented in 6th PAN IIM

World Management Conference

on “ A Study of Socio-economic

conditions of long haul truck

drivers in India” on 13-15

December 2018 in IIM

Bangalore.

2. Paper presented in International

Conference on Advance in

Business Management -ICABM

Page | 24

2018 on “Analytical Study on

Impact of Employee

Engagement on Customer

Satisfaction in Indian Hotel

Industry” on 14-15 December

2018 in SIBM, Pune.

3. Published in Books of Abstracts

: International Conference on

Advance in Business

Management -ICABM on 14-15

December 2018 “Analytical

Study on Impact of Employee

Engagement on Customer

Satisfaction in Indian Hotel

Industry” ISBN 978-1-78635-

424-2, p. 58. Published in Book

on Sustainable Human

Resources Management

Practices

4. Policies & perspectives in South

Asia on “The New Age HR :

Current Trends and Future

Challenges on 1-2 November

2018 in IBS; ICFAI , University

of Hyderabad, ISBN 978-93-

5311-922-5, p. 180-182.

5 Mrs.

Bhagyashree

Deshpande

1. Completed Pre-PhD Viva on

19th Dec 2018

6 Dr. Manik

Rajopadhyay

1. Attended a state level Workshop

on “Library Readiness for NAAC

Accreditation” on 30thNovember

2018 at MSIHM &CT ,

Shivajinagar, Pune.

2. Participated National Level

Workshop on Getting Ready

Industry 4.0(QIP)

7 Dr. Abhay

Kulkarni

1. Honorary Degree of Doctor of

Letters (D.Litt) –March 2018

University of South America

,Montevideo

Page | 25

2. Invited as resource person

at Modern College of

Engineering, Pune &

MBA Department for

IC2TMA-2019 on 14th

&15th Feb.2019.

3. Invited as Resource

Person at Dr.D.Y.Patil

School of Management &

Dr.D.Y.Patil School of

MCA for State Level

Conference on “Quality

Assurance & Quality

Enhancement Higher

Education : Creating a

Quality Culture” on 16th

& 17th Feb2019

4. Invited by University of

Mumbai RRC as referred

for Ph.D. Thesis, board of

Management Studies on

25th Feb.2019

5. Paper Title : ‘Measuring

Individual Performance

with help of Big Data

IPES Framework’.

6. Paper Published in

IICMR I4 Journal Vo.12

Issue 1 2018.Paper Title:

Is Disruption the New

Norm? A perspective

from Operations

Management View in

IT/ITES especially

KPO/BPO. ISSN

no.09752757

8 Adv. Manisha

Kulkarni

1. Attended and

published article in

proceedings in NIPM

Annual National

Conference on

Managing Future of

Page | 26

Work and Work place

on the topic “Human

Performance and

correlation of HR in

future workplace”

2. Attended and guided

research projects for

understanding the

awareness of Industrial

4.0 in SME’s on

“Decoding Industry

4.0 workshop

organized by INSSAN

in association with

PMI Pune Deccan

India Chapter”

3. Received Appreciation

from INSSAN for

Master of Ceremony in

29th National

Convention on the

Topic “EMI for

Excellence”

4. Organized the

National conference

on the topic “Getting

Ready- for Industrial

4.0” as a Convener

9 Mr. Maruti

Prasad

1. Organized UDAAN 2019 on

the theme “EMI for

Excellence” as Coordinator

10 Dr. Hemant

Anbhule

1. Organized UDAAN 2019 on

the theme “EMI for

Excellence” as Coordinator

11 Mrs. Vidhya

Hittalmani

1. Received Keshav Pushp

Puraskar

2. Presented a paper on Users

perception towards mobile

payment apps at International

Page | 27

Conference VUIC2019 held

on 28th February and 1st

March at Vishwakarma

University.

12 Dr. Khushboo

Sahu

1. Worked as a reviewer in peer

committee for Journal

Kindler

2. Attended and vertical

coordinator of Udaan 2018 -

State level Inter collegiate

Business competition on 9th

& 10th Feb.2018

3. Abstract selected in National

Conference on "Rural

Entrepreneurship for

Inclusive Economic

Development Opportunities

and Challenges

Faculty Achievements: MCA Department, IICMR, Nigdi

Sr.No. Name of the faculty Achievement details

1

Dr.Deepali Sawai Certified as reviewer in 4th

International Conference on

Computing Communication Control

and Automation- ICCUBEA in

association with IEEE Pune Section

Certified as reviewer at Association of

Scientists,Developers and

Faculties(ASDF

2 Mrs.Asmita

Choudhari &

Mrs.Rupali

Bhangale

Handbook on Web Technologies

3 Mr.Sanjay Mate &

Mrs.Rupali

Bhangale

Handbook on Java

4 Mrs.Preetha

Praseedh &

Mrs.Asmita

Handbook on .Net

Page | 28

Choudhari

5 Mrs.Megha

MutalikDesai

Handbook on Mobile Computing

6 Mr.Sanjay Mathapati

, Mr.Sanjay Mate &

Mrs.Pooja Kalange

Handbook on C,CPP & Data

Structures

7 Mr.Sanjay Mathapati

& Mrs.Asmita

Choudhari

Handbook on DBMS & SQL

8 Dr.Deepali Sawai &

Ms.Sweety Chavan

Manual for English language lab

9 Dr.Deepali Sawai Computer Champs-VII

10 Dr.Deepali

Sawai,Dr.Priya

Deshpande,Ms.Pooja

Kalange

Book on Quantitative Aptitude Verbal

& non-verbal Reasoning

11 Ms.Renu

Mathew,Mrs.Asmita

Choudhari ,

Mrs.Rupali

Bhangale, and

Ms.Preetha Praseedh

Workshop on “Getting started with

Magic xpa” Pune

12 Ms.Rupali Bhangale Presented Paper on “ Smart solution

to reduce damage of food grain in

warehouses “ at International

conference at Nashik

13 Ms.Kiran Shinde Guest lecture on Application Layer

Protocols TY BCA at CBSCA,

Chinchwad

14 Mr.Sanjay Mate Guest lecture on c and pointers at

CBSCA , Chinchwad

15

Dr. Priya Deshpande Session delivered in National level

refresher course at Academic staff

college , SGBAU , Amaravati on ‘

Use of ICT in Statistics’.

Session delivered on” Linear

programming problem” in SPPU QIP

at IBMR, Chinchwad

Page | 29

IICMR, Nigdi : Student's Achievement (MBA)

Sr.No. Name of Student Achievement Details

1 Mr.Piyush Jain

Appreciated for their achievements at

STUNA (NIPM –Student Chapter)

First prize in essay competition- NSE

Investor Fair

2nd prize in “Model United Nations”-

National Insurance Academy’s event

Manthan 2019

2 Ms.Namita Bhamre

Appreciated for their achievements at

STUNA (NIPM –Student Chapter)

3 Ms.Amruta Palkar Appreciated for their achievements at

STUNA (NIPM –Student Chapter)

First prize in “Brand Bazar” - DY

Patil Institute of Technology, Pimpri

4 Mr.Vishwesh

Mukadam

Appreciated for their achievements at

KingPin….A CEO Search, at

Sinhagad Institute, Karandak

Miscellaneous events- National

Insurance Academy’s event Manthan

2019

5 Ms.Ashlesha

Kurundkar

6 Ms.Deeksha Saxena

7 Ms.Meenal Patel

8 Ms.Mitali Pawar Treasure Hunt & Mock-CID, at

Sinhagad Institute, Karandak 9 Mr.Saurabh

Malewar

10 Ms. Ashlesha

Kurundkar

Treasure Hunt, at Sinhagad Institute,

Karandak

11 Mr.Sankalp

12 Ms.Shweta G

Bhalekar

Financial Quiz

Page | 30

IICMR, Nigdi : Student's Achievement (MCA)

Sr.No. Name of the

faculty/student

Achievement details

1 Ms. Chanchal

Panpaliya (MCA

III)

bagged 10th rank in SP Pune

University Merit list 2018.

2 Mr. Vinit Bansal &

Mr. Hanuman

Karale(MCA I)

attended Entrepreneurship

Development Programme and

Initiative of NSTEDB, Department of

Science and Technology, Government

of India from 21st Jan 2019 to 22nd Feb

2019.

3 Mr. Vinit Bansal

(MCA-I)

winner of “Kaun Banega Management

Guru” at Udaan 2019 an Inter

Collegiate Business Competition

hosted by IICMR, Nigdi on 2nd and 3rd

March 2019.

4 Mr. Vinit Bansal

(MCA-I)

Certification of Excellence in Python

Workshop oragnised by PIBM,

Chinchwad with Microsoft Authorized

Education Partner “Corcode Techno”

on 23rd Feb 2019.

5 Mr. Mangsh Zarkar

(MCA-1)

Won third prize in ‘CShuffle’

competition held at PCCOE, Akurdi

6 Mr. Mayur

Bhandare (MCA-I)

Won first prize in the competition

‘Persona’ at PCCOE, Akurdi

7 Mr. Shekhsar

Jadhav

The Star of the month of January of “

Quizomania”

Page | 31

See the success you desire

Albert Einstein once said, "Imagination is more important than knowledge.

For knowledge is limited, whereas imagination embraces the entire world,

stimulating progress, giving birth to evolution."

Successful people are those who visualize the kind of success they want to

enjoy in advance.Unsuccesful people, on the other hand, also use visualization

to reflect upon their failures.Unsuccesful people think about the last time they

failed or did poorly in this area and then imagine failing again. As a result their

subconcious minds have been preprogrammed for their failure rather than

success.

The most common characteristic of leaders at all levels , throughout the ages is

vision.

Walt Disney, the creator of Disneyland, saw a happy,clean,family amusement

park many yaers before Disneyland was built.

Wayne Dyer says, "You will see it when you believe it."

Visualization activates the law of fattraction which draws into our life the

people, circumstances and resources that we need to achieve our goals. I

recently came across the word "mental rehersal". it is said that top athletes in

every field metally rehearse their events before they go into active

competition.They see themselves performing at thier best prior to every

event.For many days and hours prior to a major compeition they visualize

themselves performin successfully over and over again.

Mozart could see an entire operain his own mind before he began writing music.

Choice is something that we always have.We can choose to feed our mind with

positive and exciting favourable thoughts or by default allow it to be pre-

occupied by negative thoughts. The choice is up to us.

By Preksha Sharma (MCA I)

Page | 32

Design Thinking – The Human Side of

Business

Are we ready for Industry 4.0?

This question always comes to my mind when

I see the new revolution started in Germany

way back in 2014. This question provoked me

to think and link customer requirement to

customer delight journey through Design

Thinking.

In the era of innovation and startups, Design Thinking has paved a niche path

for itself. The word though sounds like a conglomeration of two varied concepts

Design and Thinking, but truly speaking is the success mantra for any upcoming

innovation or startup.

The concept of Design Thinking provides a solution based approach to solving

problems. It emphasizes on the thinking like a designer which in turn can

transform the way organizations develop products, services, processes, and

strategy.

A five stage concept that includes

1. Empathy (Step in the shoes)

2. Define (the problem)

3. Ideate (through mind mapping, brainstorming)

4. Prototype (build a sample)

5. Test

While design thinking has its roots in the innovation/design sector, the process

itself can be used anywhere. Indeed, it is a great tool for teaching 21st century

skills, as participants must solve problems by finding and sorting through

information, collaborating with others, and iterating their solutions based on real

world, authentic experience and feedback.

Page | 33

Design thinking started as a way of thinking about how to creatively design

indoor and outdoor spaces with an emphasis on solving problems in ways that

benefit or increase interaction. One of the key achievements of Design thinking

would be adding wheels to the Suit

cases. The transformation of the

product design made peoples life

easy.

To accomplish this goal, the

process relies on empathy,

brainstorming, and re-designing

solutions, looping back repeatedly

to try to see designs from the

viewpoint of users. The business

and product-design industries

embrace design thinking because it provides a way to focus on user experiences.

Design thinking methods and strategies belong at every level of the design

process. However, design thinking is not an exclusive property of designers—

all great innovators in literature, art, music, science, engineering, and business

have practiced it. What’s special about design thinking is that designers and

designers’ work processes can help us systematically extract, teach, learn, and

apply these human-centered techniques in solving problems in a creative and

innovative way—in our designs, in our businesses, in our countries, and in our

lives. With Design Thinking, bringing designs to life is a circuitous journey of

many discoveries. Moving forward on the right

track involves taking several steps backwards,

several times.

That means that design thinking is not only for

designers but also for creative employees,

freelancers, and business leaders. It’s for anyone

who seeks to infuse an approach to innovation

that is powerful, effective and broadly

accessible, one that can be integrated into every

level of an organization, product, or service so as to drive new alternatives for

businesses and society.

Page | 34

Are we Ready for Industry 4.0?

Obvious answer is NO……..

But Design Thinking right from LEAN Process Thinking to Design for Six

Sigma will make our processes robust and which will take us from present

revolution to near Industry 4.0 revolution.

By Dipti Bajpai(MBA)

By Shivani Uttarkar(MCA II)

Page | 35

To err is human, to forgive is divine

As human beings we all act responsibly but sometimes we do all make mistakes

and we are constantly in need of forgiveness.Alexandar Pope has rightly said

"To err is human,to forgive is divine".Forgiveness is that quality in a human

that separates him from animals.It is a process by which we free the energythat

was once consumed by holding grudges.Forgiveness is about starting afresh.

Paul Boese quoted that "Forgivness does not change the past,but it does

enlarge the future".Mahatama Gandhi stated that "The weak can never

forgive.Forgiveness is the attribute of the strong". We often think of

forgiveness as something that someone who has done us wrong must ask of us.

There is always another way to look at it.

Its true 'An eye for eye makes the world go blind'.To forgive is not an excuse

to stop the pain we feelwhen we are wronged,but rather to enter again into life's

playfield again.

We all know that 'Violence begets violence'.Forgiveness cannot undo harm

caused.On the other hand forgiveness can make the guilty realize their mistakes

and perhaps transform them into better human beings.

Forgiveness works.It is often difficult but it works. Choice is always present in

forgiveness. It is a gift you give to yourself.It is not something you do for

someone else.It is not complicated.It is simple.Refusing to forgive by holding

on to anger,we can make our own lifes miserable.When we forgive we must do

it for ourselves not for others.To not forgive the wrong doer is taking the poison

and expecting them to die.There have been several interesting variations to the

above saying.Few of the Doglovers claim that "To err is human,to forgive

canine".My friend once claimed that "To err is human,but it feels divine".

Once someone mentioned "To err is human,but to really mess things up you

need a computer".

But in all "To Err Is Human, To Forgive Divine".

By Preksha Sharma (MCA I)

Page | 36

Brainstorming on ‘Existence’

About 13.8 billion years ago a Big Bang happened (which is universally

accepted theory right now). According to Prof. Stephen Hawking there was

nothing before the Big Bang(?). About 4.5 billion years ago Earth was formed.

We humans are living on this Earth since approx. 2 million years. Since then we

made many inventions, we made great progress in economics, engineering,

science & technology. In short we made and we still are trying to make our life

much easier. Meanwhile the selfishness, ego, self-conceit started to growing

within us. In time we created nations, boundaries, religions, casts, sub-casts

which causes regress. We saw two world wars, we are in the middle of cold

war, and on the edge of third world war.

We wake up every day, rush for our work, make stupid fights for

stupid reasons, spent days and nights on social media trying to get attention by

making a false lifestyle, struggles to earn marks in SSC, HSC, then graduation,

then post graduation, maybe PH.D, then some job or business, after than

marriage and kids, then retirement, then we get older, and…and we die. It

doesn’t matter how much money you earned. Money can’t be the parameter of

success. I don’t think that’s the purpose of our life. Did we really made our life

easy? For what purpose we live? For what purpose we die? Why are we doing

all of this? What is the real purpose of our life, our existence?

Why do we exist? Why is the Universe exist? Who created us? And

why? or Are we just a byproduct of the Big Bang? Are we living in a

Simulation? Is our whole life is just a dream? Do you never ask these questions

to yourself? What if life and death is a cycle which will go on forever? And we

don’t even know. Yet we are fighting for- whose name should be given for the

bridge? whose statue should be more tall?, How to divide this river’s water in

equal? What should be the correct name of that city? How to produce more

weapons even if the country’s people are starving to death? All I want to say

that why can’t we just live together in peace as a human. But maybe it’s too late

for this. Even if we want to change people’s mind it will take minimum two

generations to wipe out these evil thoughts.

After all there is a hope for everything. Our brain is most powerful,

mysteries thing in the whole universe. Because of the consciousness we are

feeling this existence. Just think what Mother Nature gave us. Maybe our brain

is the key for all these mysterious questions. Imagination is the superpower that

Page | 37

we have. All we have to do is, amplify our senses and use more percentage of

our brain. Sky is not the limit; our mind is. When I close my eyes, look within

myself, then I don’t think we are just a by-product or coincidence. And I hope

one day this quote gets true - That is ‘you’ that you have been searching for.

Sankalp Mungase

MBA-I ; Div. A

Student’s sharing about Mentoring Activity

Mentee: Ms. Prajakta Patil (MCA I)

I feel so privilege that I got my Mentor as Sanjay Sir. And as a Mentees we

students get to learn a lot from sir. This session for me was like someone who

asks and allows me to see the hope inside myself. Not only we get chance to

interact with Sir but get many more new ideas related to studies, extra

curriculum activities where we can show our potential. Mentoring session leads

us to know that about ourselves that we were not knowing earlier or that small

things which we never used to care.so we actually paid attention towards our

strength and weaknesses and can work accordingly. All of the mentors were so

Frank that we won't feel that we had conversations with teachers. This was my

first time ever in life where I got chance for me exchange my views and ideas

for my betterment with so experienced teacher who takes so much of efforts to

make our dream comes true. Sharing our thoughts at the time of mentoring was

like the way we used to talk to our colleague. Colleagues are good – but

mentors, that's where the real work gets done.

Last but not least mentor encouraged me.

Mentee: Ms. Simaran Kohali (MCA I)

Mentorship is a learning and development partnership between someone with

experience and someone who wants to learn. I found it extremely helpful to talk

my ideas through with someone who was experienced and clearly

knowledgeable. My mentor was Mrs. Priya Deshpande. This was my first time

in mentoring. I hadn't been a part of such a great activity before. As a mentee it

was my opportunity to get clear with all my doubts I had in my mind. Mrs.

Priya not only gave a solution to my doubts and issues but also guided me a

path for my career. As a mentor she told me that she believes I'm a good student

and in person there may be some flaws which is fine and can be over come. I

Page | 38

wasn't punctual of time, but after this session I've realized the importance of

time and how not being punctual would affect me in my future. Ma'am had also

assigned me a task of coming to college on time which will help me get

punctual. Also I learnt that I should be humble every time. Ma'am saw a

leadership quality in me and told me that it's in you how to maintain that quality

and move forward by taking everyone together. My overall mentoring

experience was quite amazing. I got a chance to get valuable knowledge from

such an experienced person and the knowledge that would always be there with

me. I am awaiting for such many more mentoring sessions .

Mentee: Ms. Pragati Agrawal(MCA I)

I had gone through such activity a very first time. It was such a great

experience. I had got the solution of my problems as well as I set the goals as

per sir’s suggest. Sir help me in many of my problems related to curriculum as

well as co-curriculum. I am waiting for many more sessions of one to one

mentoring.He supported and encouraged me by offering suggestions and

knowledge, both general and specific. I got to know that I want to improve my

skills and hopefully ,I will advance in my career.

My mentor firstly asked about my family background and then about my

strength and weaknesses and then he suggested me few tips & tricks to

overcome my fears and that tips are really helpful to me. After these mentoring

activity I can seen a positive change within me. Thank you sir for being such a

nice mentor.

Mentee: Ms. Shreya Sonawane

The mentoring session was really a great session. We discussed our issues to

our mentor and they guided us so well. They listened our problems just like our

friends would listen and suggested us .Not only problems were discussed but

also all the happy things and hobbies and interests were discussed with the

mentor. Frankly speaking 1 hour of mentoring felt like 10 minutes. Priya mam

is genuinely a good person and a good teacher but most important she turned

out to be a good friend as well . Thankyou mentors .

Mentee: Ms. Rajashri Gaykar

The Mentoring Program gave me a chance to make connections and to meet

people I'm always hearing about. My mentor's ,Mathapati Sir,workplace is a

great place to volunteer or to find work opportunities.

Page | 39

Mentee: Ms. Pragati Kalekar

My mentor is Mathapati sir. It was really good opportunity to us to become

friendly with teachers and share our problems with them.. Sir has guided me for

improving my soft skills and much more...Thanks for taking such kind of

programs for us.

By Shivani Uttarkar (MCA II)

Page | 40

तरणाईची बदलती आरथिक मानसिकता

िमार तीन महिनाापरवी मानिोपचारतदनन डॉ िमात ााची फिबकरवर ा वरवषािाबाधीची एक पोसट रवाचणात

आली आणण गली कािी हदरवि िा वरवष डोकात घर करन बिला आि. खरच आजचा तरणाईची आरथिक

मानसिकता बदलत चालली आि का? तादषटीन कािी तरण मलामलीाशी ििज बोलता बोलता तााचा एकणच

आरथिक दषटीकोन जाणन घणाचा परतन कला अिता िरवााच आरथिक दषटीकोन जरी सिनन अिल तरी पारापाररक दषटीकोन मातर झपाटान बदलत अिलाच परकषािन हदिन आल.

आरथिक शाचा पारापाररक िाकलपना मिणज तरणपणी सरवत:चा मालकीच घर, चारचाकी गाडी, िोन,

कालिदश घरातील फरनिचर, अदनारवत गिोपोगी रवसत िापादन करण मिणज आरथिकदषटा शसरवी अि

मानल जात.मातर आजचा तरणाईि आरथिक शाच ि मानदाड िरिकटपण मान आित अि नािी. पाशचचात

दशात तरणाईतील िी आरथिक मानसिकता झपाटान बदलत अिलाच हदि त आपलाकड िदनधा तरणाईचा आरथिक मानसिकतत ा बदलाची िररवात िोऊ लागलाच हदिन त मातर िधा तरी िा बदल

उचच सशकषित रव लठठ पगार अिलला तरणाई परता मािहदत आि अि अिल तरी िवरवषात एकणच तरणाई

ा वरवचाराकड आकवषित िोणाची शकता नाकारता त नािी. पररणामत: घर गाडी फरनिचर वरवकत घण पिा िाडान/लीझरवर घणाकड कल रवाढत चालला आि.

िमार ४० त ५० रवषाापरवी घराचा िाड अगदी नाममातर िोत तिच सरवत:च घर घणािाठी ििजाििजी कजि समळत नि आणण मिणन लोक िाडाचा घरात रािण िोीसकर रवाटत अि रव ता काळात मखि घर बााधतात रव

शिाण तात िाडान राितात िी वरवचारिरणी िोऊन गली िोती. परात िाधारणपण ९० चा दशकात बका रव

एचडीएफिी िारखा वरवतत िासथा मोठापरमाणारवर गि कजि दऊ लागला रव ता काळात घरचा ककमती रवाजरवी अिलान आपलला पररवडत अिलला घराच िाड रव कजािचा िपता ात फारिी तफारवत नविती आणण मिणन तारवळची लोक मोठापरमाणारवर घर वरवकत घऊ लागल पररणामी मागणीचा परमाणात पररवठा न िोऊ शकलान घरााचा ककमती आतताचा तरणाईि पररवडतील अशा न राहिलान इरतिािाची पनरारवतती िोत अिन आता परत िाडाचा घरात रािण आरथिक दषटा िोीसकर झाल आि, आणण घराची मागणी घटणाच आणखी एक कारण मिणज आजचा तरणााना एकाच शिरात रव एकाच नौकरीत परवीपरमाण रचकटन

न रािता करररला पराधान दण जासत मितरवाच रवाटत आणण मिणन दर २-३ रवषाानी ताच शिरात कका रवा दिऱा शिरात, राजात अथरवा परदशात जथ आपला करररला रवारव अशा हठकाणी जात अिलाच हदिन

त अशा बदलाचा रवळी घर पाातील बडी िोऊ न मिणन आपला गरजनिार कामाचा जरवळ घर घण

िोीच रवाटत. मिणन िधा ३०-३५ रवोगटातील तरण घर वरवकत न घता िाडान घण िा पाि

सरवीकारताना हदिन त आि रव ामळ िाडकरा ची वपढी उदाला त आि कक का अि रवाटत. (ा िाठी घतलल घर नौकरी बदललामळ ५ रवषािनातर वरवकारव लागला नातरचा आरथिक नफा तोटा किा अि शकल ि

पाि) िमजा ९०० चौ फचा दोन बड रमचा रडी पझशन रव र.५० लाखात समळणारा फलट आपण २०% मजीन

िरन र.४० लाखाच कजि घऊन ५ रवषािपरवी खरदी कला आि रव ािाठी बकचा वाज दर िरािरी १०% इतका आि रव आता नौकरी बदललामळ आपलाला ककमान पढील कािी रवष दिऱा शिरात जारव लागणार आि रव

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परत ाच शिरात ालाच ाची खातरी निलान आपण िा फलट वरवकारवाि काढला आि रव ताि आज र.१००

लाख एविढी कका मत समळणार आि, रव ा ५ रवषाित ि घर घतलान िणार १० लाख इतक िाड रवाचल आि. ा बाबी गिीत धरन आकडमोड कली तर समळणारी रककम र.१०० लाख +१० लाख (िाड)+६ लाख (परतफडीतन

समळणारी परापतीकर िरवलत ) एकण र.११६ लाख इतकी िोईल तर मजीन र.१० लाख+३ लाख (सटपडटी रव

नोदणी फी ) +२४ लाख (६० महिनात िपतापोटी िरलली रककम)+३६ लाख (िररवी लागणारी उरविररत कजि रककम)+ ४ लाख कवपटल गन अि एकण र.७७ लाख िरारव लागतील समळणारी ककमि११६ लाख -७७ लाख =३९

लाख इतकी अिल ाउलट जर घर िाडान घतल िरवि िररवातीच िाड र.१५००० दरमिा गिीत धरन तात

दररवषी ५% िाड रवाढ गिीत धरलाि िरािरी िाड र.१७००० अिल िी रककम कजि िपतातन रवजा कलाि

र.२२००० सशललक राितात िी दरमिाची सशललक रव िररवातीि िरारव लागणार र.१३ लाख रव दरमिा सशललक

रािणार र.२२००० पढील ५ रवष दरमिा रनसमत गातवरवलाि समळणारी रककम िमार र.४३ लाख इतकी अिल

सशरवा नगरपासलका कर, िोिाटी चाजि रव दखिालीचा खचि अिणार नािी, आणण मख मिणज ५ रवषाि नातर

घर वरवकन र.१०० लाख समळतील िी अपिा िदन पररससथतीत अरवाजरवी रवाटत आणण जविा आपलाला घर

वरवकाच अिल तविा त वरवकल जाईलच अि नािी , रवरील वरवरवचनारवरन नरवीन वपढीचा घर वरवकत न घता िाडाचा घरात रािणाचा वरवचार ोग आि अि मिणारवि रवाटत . कारण जर नोकरीत दिऱा शिरात जर

चाागला पाि आरथिक रव सथ ािचा दषटीन उपलबध अिल तर घरामळ अडकन पडारव लागणार नािी. आजकाल

तरणााना परदशात नौकरीचा िाधी उपलबध आित अिी िाधी समळताच घणाचा तााचा परतन अितो आणण

बािचदा परदशी गलारवर रतकडच सथाईक िोणाचा वरवचार अितो सशरवा नौकरी िोडणाच परमाणिी रवाढलल

हदित आणण ा मळच घर वरवकत न घता िाडान घणाच परमाण रवाढत अिलाच हदिन त आि.

इतकच का तर ा तरणााना सरवत:ची कार घणा पिा लीझरवर घण िोीसकर रवाटत कका रवा गरज पडल तविा ओला कका रवा उबर िारखी गाडी िाडान घण िोीसकर रवाटत , ामळ डराविर ,गाडीची दखिाल , इाशचराि,

पटरोल ारवर खचि करारवा लागत नािी सशरवा एकरकमी मोठी रककम ककरवा कजि घतलाि ताचा दरमहिनाचा िपता िा खचि टाळता तो. आरथिकदषटा वरवचार कलाि गाडी वरवकत घणापिा िाडान घण फादशीर ठरत

कि त आता पाि.

िमजा आपण र.७ लाखाची गाडी घणार आिात रव तािाठी र.६ लाखाच कजि घत आिात (कजि मदत ५ रवष) तर

आज आपलाला र.१ लाख गातरवारव लागणार आित.िमजा आपला रोजचा पररवाि िरािरी ७५ कीमी इतका आि

रव आपण गाडी िाठी डराविर ठरवणार आिात तर णारा दरमिाचा खचि पढील परमाण अि शकतो

१) ७५*३० =२२५० कीमी दरमिाचा पररवाि

२) २२५०/१५=१५० सलटर पटरोल

३) १५०*७८=११७०० मिणज िमार १२००० इतका पटरोल खचि ४) डराविरचा पगार र.१५०००

५) इनशरनि दरमिा वरवचारता घता र.१०००

६) गाडीचा दखिालीचा दरमिाचा िरािरी खचि र.२०००

७) कजािचा िपता र.१३००० (@१०% पाच रवष मदतीच कजि र.६००००० िाठी )

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८) अिा एकण खचिर.४३०००

ाउलट ओला/उबर िारखी गाडी दररोज रवापरलाि रोजचा खचि र.१००० मिणज महिनाला र.३००००

इतका ऊ शकल ( िटटी अथरवा रजचा काळात िा खचि टाळता ऊ शकतो.)

गाडी ५ रवषाि नातर वरवकलाि जासतीतजासत र.३ लाख समळ शकतील तिी गाडीचा तारवळचा का डीशन रवर

अरवलाबन अिल. आता आपण िररवातीि िरारव लागणार र.१ लाख रव दरमिा रवाचणार र.१३००० रनसमतपण

गातवरवलाि ५ रवषाि नातर िमार र.१२.५ लाख इतकी रककम समळ शकत ातन गाडी वरवकन णार र.३ लाख

रवजा कल तरी र.९.५ लाख इतका घिघिीत फादा िोऊ शकतो. सशरवा डराविरचा दााडा , पाकका ग ािारखी कटकट अित नािी. िा िरवि वरवचार करता अि लिात ईल कक िदन पररससथतीत गाडी वरवकत घणा पिा गाडी िरवी तविा िाडान घणच पररवडत फकत सरवत:चा गाडी ऐरवजी िाडाची गाडी रवापरणाची मानसिकता तार िोण आरवशचक आि रव अिी मानसिकता आजचा तरण वपढी मध रज लागलाच हदिन त

पररणामत: आज आपलाला ओला/उबर िारखा गाडा आजबाजला मोठापरमाणारवर हदिन त आित.

घरातील फरनिचर िदनधा आज िाडान घतल जात अिलाच हदिन त ा मागचा वरवचार मिणज फरनिचर

जन कका रवा आउट डटड (कालबाह) झाल अि रवाटल कक परत करन परचसलत फशनच फरनिचर िाडान घता त रव घरात नावरवन आणता त.

तरणााचा बदलता आरथिक मानसिकतच मानिशासतरजञ पासशचचमात दशात मोठापरमाणारवर िाशोधन करीत

आि आणण गला दशकातील िाशोधनात अि हदिन त कक तरणााचा िखिमदनधीचा कलपनात अमलागर

बदल िोत अिलाच आढळन त आि रव आता तरणााना नरवनरवीन गोषटीाचा अनिरव घणात जविढा आनाद रव

िमाधान समळतो तविढा ताच ताच गोषटीत समळत नािी. ामळ तच घर, तीच गाडी, तीच नौकरी तच

फरनिचर कका रवा जना रवसत ात अडकन न रािता रनत नवाचा धाि ा तरण वपढीि लागला अिलाच हदिन त. नरवीन अनिरवातन नरवीन समतर जोडण, िोशल मडीारवर किाशील रािण रवाढीि लागलल हदिन

त, ता अनषागान ितत बदलत जाणाऱा िाधनााचा खरदीरवर ााचा िर अितो पररणामी दीघिकाळ हटकाऊ

रवसतची खरदी बऱाचदा जाणीरवपरविक टाळली जात रव ता ऐरवजी कालिागत रवसतची खरदी जरी अलपकाळ

हटकणारी अिली िोत आि.

ककमती रवसत वरवकत घऊन ता िाािाळणाची जबाबदारी घणाची मानसिकता कमी िोत चालली आि आणण

मिणनच िोनाच अथरवा हिऱा मोतााच ककमती दारगन घणा पिा हदिाला आकषिक नकली दारगन

घणाचा कल तरण वपढीत रवाढीि लागला आि रव अि दारगन बदलता फशन निार ििजपण बदलता तात

रव चोरीि जाणाची िीतीिी नित.

दिरा मितरवाचा बदल मिणज पि िाठरवन रवसत वरवकत घणाचा पशनि (िा म) ा तरणाईत कमी हदिन तो उलट िररवातीची थोडी रककम िरन िपतान खरदी करणाच परमाण रवाढीि लागल आि. (एनजॉ टड अड प

टमारो) िी वरवचारधारा रवाढीि लागली आि.िवरवषातील गरजाािाठीची आरथिक तरतद िी बाब फारिी गाािीािन

घतली जात निलाच हदिन त. ाउलट कािी तरण गातरवणकीचा पारापाररक पािााचा वरवचार न करता परिागी थोड ररसक घऊन जासत ररटनि दणार पाि रनरवडताना हदिन तात. ामळ बितााश िसशकषित तरण

मचअल फा ड, शअिि, बॉ ाड, डडबचिि ािारख पाि गातरवणकीिाठी रनरवडताना हदितात. ाउलट बक एफडी ,

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पोसटल िहटिकफकट, िोन ात फारिी गातरवणक करत निलाच हदिन त.वरवशष मिणज दशात रव वरवदशात

पररवाि करन नरवनरवीन हठकाण पािण नरवीन अनिरव घण कारण अनिरवतील गातरवणक कधी कमी िोत नािी िी मानसिकता रवाढीि लागलच जाणरवत.

तरणाचा िी आरथिक मानसिकता पाशचचात दशात वरवशष परकषािन हदिन त िारतात अिी मानसिकता करवळ शिरी िागातच कािी परमाणात हदि लागली आि गरामीण रव रनमशिरी िागात अजन तरी अिी मानसिकता हदिन त नािी. अि अिल तरी िारतातील मोठा शिरातील िसशकषित तरण रवगाित िी मासिकात गला ४-५ रवषाापािन मळ धर लागली आि रव झपाटान रवाढत अिलाचिी हदिन त.

आजचा तरणाईि िौरतक िखापिा मानसिक िमाधान मितरवाच रवाट लागल आि अि मिणारवि रवाटत

पररणामी पशाकड बघणाचा दषटीकोन िदनधा बदलत आि.अि अिल तरी िी बदलती मानसिकता िामासजकदषटा ोग कक अोग ा बाबत आतताच घाईन ठरवरवण ोग िोणार नािी उलट जषठ रव अनिरवी लोकाानी तरणाशी िारवाद िाधन ा बदलता मानसिकति वरवधाक रवळण लाऊन िमाजसरवास िधढ

करणािाठी जाणीरवपरविक परतन करण आरवशचक आि.

--िधाकर कलकणी.

िहटिफाीड फानासनिल पलनर,पण

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बिग डटा महणज तरी नमक काय ?

बिग डटा ह नाव आपण आजकाल िऱयाचदा ऐकतो. कॉमपटर कषतरात तर हा परवलीचा शबद. िर बिग डटा महणज

तरी नमक काय ? तर अशी गतागतीची आबण खप मोठया परमाणात साठवलली माबहती, एवहढया मोठया परमाणात

बक बदवसाला 2.5 quintillion (1,000,000,000,000,000,000 िाईटस ) डटा दरोरोज वापरकरतााकडन

महाजालावर(इटरनट ) टाकलया जातो. आता हया एवहढया मोठया माबहती वर दखरख कशी ठवली जात हा भाग

अलबहदा, पण एवहढी मोठी माबहती महाजालावर कोण टाकतो? हा परशन इथ महतवाचा. आबण रताच उततर आह

तमही सवतः !

महाजाल सववतर पसरलल आह तमचया घरातलया AC पासन, सगणक, तमची कार त मोठया कामासाठी वापरलया

जाणाऱया महासगणकापयात. आबण हीच तर खरी गमत आह आबण गोमही. खर महणज सगळ जग फकत

आपलयासारखया वापरकरताव लोकानमळच चालत. त कस िघत. कबतरम जाबहरात (डीबजटल माकबटग ) बवषयी

तमही ऐकलच असल. सगळ जग या जाबहरातीवर चालत. महणज गगल फसिक सारखया िलाढय कपनयाही सपणव

यावरच अवलिन असतात. नाहीतरी गगल फसिक आपलया आजीसारखच आपण नाही का कोणताही परशन

पडला बक आजीला जाऊन बवचारतो, तसच आपण गगल लाही बवचारतो पण यात एक धोका असतो तो महणज

आजीला आपली सगळी गबपत माबहती होतात. अगदी तसच जवहा आपण काहीही गगल वर सचव करतो तवहा बह

सगळी गबपत गगल लाही माबहती होतात. आबण या तमहाला बवचारन चोरललया माबहती वर गगल सारखया

िलाढय कपनयाचा तोल साभाळन राहतो.

िर बह सगळी माबहती तमचया फोटोस पासन बवबडओ पयात, तमही बदवसभरात बकती सकतसथळाना (विसाइटस

) भट बदलीत? बकती तास कठ होतात? तमही कठ राहता? तमचा मोिाईल निर काय आह? gmail अडर स काय

आह? तमही सकाळी काय खालत? बदवसभरात कठ बफरलात ? तमचा आवडता रग कोणता आह? तमहाला

परयसी आह का? असल तर तीच नाव काय आह? तमही एखादया शहराला भट बदलीत तर रता शहराच नाव काय

आह? तमही बतथ का गला होतात? तमही बदवसभरात कणाला आबण बकती वळ फोनवर िोलतात आबण काय

िोलतात? तमही बदवसभरात कणाला मसज कलत आबण काय कलत?. तमचया सगळयात जवळचा बमतर कोण

आह?, अशी आबण अशाच िऱयाच परकारची माबहती कणाला जर कळणार असल तर तमही हया गोषटीसाठी होकार

दणयास तयार असाल काय ? हा खरा परशन . आपण सगळच नाही महणत, पण मळात अस नाही. आपली बह

माबहती अगोदरच कणाला तरी माबहती आह. आबण ह आपलयालाही माबहती आह, पण आपण काहीच कर

शकत नाही.कारण आपण बह आपली सवतःची माबहती कणाला तरी बदलली आह आबण सोित तो आपलया हया

माबहती िरोिर काहीही मोडतोड कर शकतो , कणालाही बवक शकतो. एकदरीत रताला वाटल तसा रता

माबहतीचा वापर कर शकतो हयाचीही परवानगी आपण रताला दऊन टाकली आह. पण ह घडल कधी आबण

क वहा झाल याचयािददल आपलयातल िरच जण अनबभजञ असतील !

तर बह माबहती घतलीजात काही िलाढय कपनयान दवार, आता यामधय कोणरता कपनया यतात? तर पबहली आह

आपली सवावत आवडती गगल, फसिक , बिटर , इसटागराम आबण इतर. जगाचा राजयकारभार या कपनयाचया दवार

चालवलया जातो आबण हया कपनया चालतात तमचया आमचया खाजगी माबहतीवर. िघा आह बक नाही लोकशाही !

पण या कपनयाना आपली खाजगी माबहती वापरणयाचा अबधकार कोण दतो . अथावत तमही सवतः !

जस नव घर घताना कागतपतरावर आपली सही घतली जात. अगदी तसच रताचया सवा वापरणयाचया िदलयात

आपण आपली सवव खाजगी माबहती रताना दऊन टाकतो. ह कस घडत तर वापरकताव करार (USER

AGRIMENT) दवार . हयात वरच सगळ बलबहलल असत. पण अबतशय बकचकट अन वधळया भाषत. एवहढ बक

एखादया चागलया हशार माणसाला त सवव वाचायला दोन त तीन तास लागतील. आबण आपलयातलया कणालाच त

वाचायला वळ नसतोच, अन असला तरी रतातील माबहती अशया परकार बलबहलली असत बक ती एखादया

वबकलाचयाही पदरी पडणार नाही. मददाम सवव कबपटल शबद वापरन, उगीचच बदलली माबहती खपच लाि बलबहण,

वापरकरतावला वाचणयास कटाळा यईल असा फॉनट वापरान हयाही गोषटी रतात सरावस चालतातच. मानवी

सायकॉलॉबजचा वापर करन कमीत कमी लोक त कस वाचतील यावर भर बदलला असतो. आबण आपण सवव या

परकारािददल अनबभजञ असतो !

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ह एवहढयावरच मयावबदत असत तर चालल असत पण. आपण बदललया परवानगीचया आधार बदवसाच चोवीस तास

आपलयावर लकष ठवण. आपलया मोिाईल वर कॉमपटर वर कोण कस आबण कधी याव यात हसतकषप करण.

तमचया मोिाइलला वर कधीही तमहाला फोन बकवा मसज करण. पनहा पनहा तीच माबहती पाठवन बरन वॉश करण.

आपण कलल खाजगी फोन मसज याचयातली मबहती दसयााना बवकन, रतावर नजर ठवण. आपलया कमऱयावर,

ऑबडओ रकॉबडागवर सपणवपण लकष ठवण. आपण परवानगी बदलली नसताना आपलया लोकशन घण. हया खऱया

तरासदायक गोषटी असतात, आबण हया कपनया हया गोषटी सरावस पन करतात अगदी आता याकषणीही आपलया

नकळत आपलयावर लकष ठवन आहत. ह सगळ घडत आपण बदललया TERMS & CONDITION चया

परवानगीमळ.

खाजागीपणा (परायवहसी) नावाची कोणतीही गोषट असतसततवात राहयली नाही अस अनक तजञ खदान सागतात. यावर

कळस महणन बक काय गवहनवमट, तमच सरकारबह हया खळात सामील असत. सरकारचया नजरखालन एक न

एक ओळ जात असत. अलीकडच भारत सरकारन एका कायदयादवार आपलया सवव शाखा आबण गपतचर

कणावरही लकष ठव शकतात आबण कोणरताही वापरकरतााची महाजालावरची आबण सगणक मधय ठवलली

कोणतीही माबहती कधी बह पववसचना न दता िघ शकतात. असा कायदा पाररत कला आह. महणज आता

कणीही वयकती सवाततरयाच गोडव गाऊ शकत नाही.

हया मधलया कोणरताच गोषटी मधन आपलयाला माग जात यणार नाही. पण आपण काही काळजी घऊन आपल

वयकती सवततर अिाबधत ठऊ शकतो आबण त महणज कमीत कमी माबहती सोशल मीबडयावर बकवा इतर कठही

टाकण. TERMS & CONDITION वाचलयाबशवाय पढ न जाण, आबण सवावत महतवाच कोणरताही बरन वाबशगला

िळी न पडण.

नाहीतर बह कार तमची आह ह माबहती असणाऱया एखाद तमचया दषमनान तमचया कार वर गोट मारन बतला

फोडण. तमचया नकळत तमचया िक िलनस मधन लाखो रपय कमी होण. तमचया ऑटोमबटक अररटीबफबसअल

मोिाईल वर बसरी दवार रहमानच सगीत न लागता कणयातरी कायवकरतावचया पकषचया कायवकरतावचया बशवया ऐकण.

बकवा तमचया गलवफर ड न तमही मिईत नसन पणयातच आहत आबण माझयाशी का खोट िोललात महणन

तमचयाशी बरकअप करण . तमच सवव खाजगी मसज वाचन तमहाला कणीतरी बलकमल करण, तमही इथ

काढलला फोटो अगदी एखादया दरचया नातवाईकाचया अकाउट मधय आपोआप जाण, बकवा तमही कोणरतातरी

पकषयाचा बकवा दशयाचया बवरोधात अभदर िोललात महणन तमहाला जल ची हवा खवावी लागण. ह बदवस काही

फार दर नाहीत ह आता आपलया अवतीभोवती सतत घडत. आबण इथन पढ हा रोग अगदीच रोदर रप धारण

करल . इतक बक बतसर महायदध हया साठवललया माबहतीसाठीच होणार असही काही तजजञ महणतात.

महणन आजपासन कोणरताही TERM & CONDITION वर होकार दणयाआधी रता वाचन घया. लकषयात ठवा

बभतीलाही कान असतात आबण इथलया बभतीना तर डोळही आहत !

By Hamuma Karhale (MCA I)

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मदरा करज योरना व मदरा बक

गल काही दिवस दवदवध भारतीवर पतपरधान मदरा करज योरनची रादहरात वळोवळी एकणयात यत. अदधक

मादहतीसाठी नरीकचया राषटर ीयकत बकचया भट दया असही या रादहरातीत आवरजजन सागणयात यत. ही योरना

राहीर होऊन समार २ वरषााचा कालावधी उलटज न गला असला तरी अरजनही लोकाना या योरनबाबत फारसी

मादहती नसलयाच दिसजन यत, आदि महिजनच काय आह ही मदरा करज योरना व मदरा बक ह आर आपि पाह.

२०१३चया नशनल समपल सरवह नसार आपलया भारतात समार ५.७५ कोटी इतक छोट व लहान वयवसादयक

असजन यात समार १२ कोटी इतक लोक वयवसादयक महिजन गतलल आहत. यातील समार ६० % लोक अनसजदचत

राती रमातीच व अनय मागासवगीय असजन याचयापयात अरजनही बदकग सदवधा अपकषपरमाि पोहोचललया दिसजन

यत नाहीत. पररिामत: असललया अपऱया भाडवलात दकवा खारगी सावकाराकडज न अवारवी वयारान करज

घऊन ह लोक आपला वयवसाय करीत असलयान अरजनही अपदकषत परगती कर शकत नाहीत. यावर उपाय

महिजन मा. पतपरधान शरी नरदर मोिी यानी मदरा करज योरना ८ एदपरल २०१५ रोरी राहीर कली व यासाठी र.२००००

कोटीचया दनधीची तर करडीट गयाररटी साठी र.३००० कोटी इतकी तरतजिही कली.

या योरन अतगजत र.५०००० त र.१० लाख इतक करज दमळज शकत व याची दवभागिी दशश , दकशोर व तरि या

परकारात कलली असजन र. ५०००० पयातच करज दशश करज परकारात मोडत तर र.५०००१ त र.५००००० पयातच

करज दकशोर परकारात मोडत आदि र.५००००१ त र.१०००००० पयातच करज तरि या परकारात यत. परधान मतरी

रन धन योरन अतगजत दिली रािारी र. ५००० ओरवहर डर ाफट सवरपाच करज सदधा मदरा योरन अतगजत समादवषट

आह. यातील दशश कराजचा वयार िर १० त १२% , दकशोर कराजचा १४ त १७% तर तरि करज परकारचा वयार िर

१६% दकवा तयाहन अदधक असतो. वयार िर बकनसार कमी अदधक असलयाच दिसजन यत. वयार िरात

वळोवळी बिल होऊ शकतो.

मदरा करज परामखयान खालील वयवसायास िणयात यत.

छोट व लहान उतपािक

िकानिार

फळ व भारीपाला दवकरत

टरक/टमपो/ररकषा यासारख वहातक वयवसादयक

छोट हॉटल वयवसादयक व अनन परदकरया वयवसादयक

लोहार, सतार, रगारी, कभार यासारख कारागीर

आता आपि मदरा बक महिर काय ह पाह.

मदरा बक दलदमटड (मायकरो यदनट डरवहलपमनट व रीफायानास एरनसी दलदमटड) ही एक क दर सरकारची दबगर

दवततीय फायनानस कपनी (एनबीएफसी) व सीडबीची उप कपनी असजन छोटया व लघ उदयोगाना सलभ ररतया

आदथजक सहायय करि व अशा उदयोगाना आदथजक सहायय करिाऱया दवततीय ससथाना रीफायानास (पनदवजतत) करि

हा मदरा बकचा परमख उददश आह. राषटर ीयकत बका, परािदशक गरामीि बका,खारगी बका, सहकारी बका,

एनबीएफसी,लघ दवतत बका (एसएफबी)मायकरोफायनानस कपनया यानी छोटया व लघ उदयोगाना दिललया कराजस

मदरा बक ररफायनानस उपलबध करन ित रिकरन नवीन छोटया व लघ उदयोगास करज िि शकय होऊ

शकत.

मदरा करज कस दिल रात ह आता आपि पाह.

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छोटया अथवा लघ वयवसाय सर कर इचछित असिाऱयान आपला दबझनस पलान(वयवसाय योरना/आराखडा)

िि अपदकषत असत तसच वयवसायात दकती भाडवली गतविजक करिार असलयाच सनागाव लागत व तयासाठीची

आदथजक तरतजि असलयाच िाखवजन िि आवशयक असत.तयानसार मदरा करज ििारी ससथा अरजिाराचा दबझनस

पलान , तयाच भाडवल या बाबीचा दवचार करन आवशयक तरवहढ करज िऊ करत.अस करज टमज लोन, वदका ग

कपीटल दकवा टमज लोन व वदका ग कपीटल एकदतरत सवरपात िणयात यत. ह करज वयचछिक गररासाठी नसजन

कवळ वयवसाय करणयासाठीच असलयान टमज लोनच दवतरि करताना घणयात यिारी मदशनरी अथवा

वयवसायासाठी आवशयक असिरी अनय मालमतता जयाचयाकडज न खरिी कली रात असल तयाला बक माफज त

पमट कल रात.तर वदका ग कपीटल/ओरवहर डर ाफट चया मरजर मयाजि इतकया रकमच रप काडज दिल रात

थोडकयात रोखीच वयवहार टाळल रातात रि करन घतललया कराजचा दवदनयोग वयवसायासाठीच होईल याची

खातररमा कली रात.

वयावसादयकाच भाडवल व करज रककम दमळज न री वयवसादयक मालमतता दनमाजि होत अशा मालमततवर करज

ििाऱया ससथचा फरसज चारज दनमाजि कला रातो आदि एरवहढच तारि अशा कराजस दिल रात. यादशयाय

अदतररि तारि दयाव लागत नाही. अशा कराजची मित परोरकट लाइफ व तयातजन दनमाजि कश फलो (रोख परवाह)

यावर अवलबजन असत.

करज िऊ करिाऱया ससथाना कठलयाही परकारच अदतररि तारि अथवा रमीन घता यत नसलयान करज खात

थकीत होणयाचया भीतीन करज िणयास टाळाटाळ होऊ शकत ह दवचारात घऊन सीरीटीएमएसई(करडीट गयारटी

टररस फॉर मायकरो समॉल एनटरपरायझस) ची सथापना क दर सरकार व दसडीबी याचा सयि दवदयमान करणयात

आली आह. काही कारिान मदरा लोन थकीत होऊन वसजल करि शकय नसल तर करज रकमचया ५०/७५/८०/८५

टकक इतकी रककम करज ििाऱया ससथस सीरीटीएमएसई कडज न बकस दिली रात. आदि या मळ करज िणयाची

टाळाटाळ न होता चालना दमळत. यादशवाय अशा करााचया रकमपोटी सबनधीत करज ििाऱया ससथस मदरा

बककडज न रीफायानास दिला रातो व अशा रीफायानासची मित ३ वरष इतकी असलयान नवीन गररजना करज िि

सहर शकय होऊ सकत.

समारातील तळागाळातील लोकाचया उदधारासाठीची या योरनस रासतीत रासत परदसदधी दमळि आवशयक

आह.यासाठी बका, दवदवध परसार माधयम, सवाभावी ससथा यानी रािीव पजवजक परयतन करि आवशयक आह रि

करन ही मदरा करज योरना गररज लोकापयात पोहचज शकल व तयाना या योरनचा लाभ घता यईल.या योरनचया

यशसवी अमलबराविीत तळागाळातील लोकाची परगती सामावलली आह अस दनचछशचतच महिता यईल.

--सधाकर कलकिी

सदटजफायीड फायनाचछनसयल पलनर,पि

By Shrikant Lanjurkar and Nitesh

Khasage(MCA I)