Be Positive Progressive and Productive

 Be Positive Progressive and Productive







Be Positive Progressive and Productive

Create a Positive and Productive Work Environment?


What is Positive Productivity?


What are the   Most Important Things in a Progressive  Workplace?

by Surabhi

What is a Positive Productive Professional Working Environment?

by Madhurima


What is Positive productivity?

Why is it more Productive to be Positive?

What is a Productive attitude?

Why is it important to be Positive?

How to stay Positive and Productive when working from home

Upgrade your Space

Manage your Energy. 

Set healthy boundaries. 

Maintaining a Positive outlook. 

Focus on the good things. 

Practice gratitude. 

Spend time with Positive people. 

Identify your areas of negativity.

Best Ways Positive Thinking Can Increase Productivity

All best Ways a Positive Attitude Can Make You More Productive

How Positivity Boosts Productivity 

Positive Thinking / More Productive, More Resilient, Smarter

Staying Positive and Productive at Work During Uncertainty


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Top 10 BOB Mutual Funds By Madhurima Tiwari


Top 10 BOB Mutual Funds

By Madhurima Tiwari

1. Baroda Pioneer Treasury Advantage Fund The main objective of the scheme is to provide optimal returns and liquidity through a portfolio comprising of debt securities and money market instruments.. 


2. Baroda Pioneer Liquid Fund To generate income with a high level of liquidity by investing in a portfolio of money market and debt securities.. 



3. Baroda Pioneer Hybrid Equity Fund (Erstwhile Baroda Pioneer Balance Fund) The scheme is targeted for long-term capital appreciation along with stability through a well balanced portfolio comprising of equity,equity related instruments, money market instrument and debt securities.. 



4. Baroda Pioneer Short Term Bond Fund The objective of the Scheme is to generate income from a portfolio constituted of short term debt and money market securities.. 



5. Baroda Pioneer Multi Cap Fund (Erstwhile Baroda Pioneer Growth Fund) To generate long term capital appreciation from an actively managed portfolio of equity & equity related instruments..



6. Baroda Pioneer Large Cap Fund The primary objective of the Scheme is to generate capital appreciation by investing predominantly in a diversified portfolio of equity and equity related securities of large cap companies. The Scheme may also invest in debt and money market securities. However, there is no assurance or guarantee that the investment objective of the Scheme will be realized.. 



7. Baroda Pioneer Conservative Hybrid Fund (Erstwhile Baroda Pioneer MIP Fund) To generate regular income through investment in debt and money market instruments and also to generate long term capital appreciation by investing a portion in equity and equity related instruments.. 



8. Baroda Pioneer Banking And Financial Services Fund The investment objective is to generate long-term capital appreciation for unit holders from a portfolio invested predominantly in equity and equity related securities of companies engaged in the Banking & Financial Services Sector.. 



9. Baroda Pioneer Mid-Cap Fund The primary objective of the Scheme will be to generate capital appreciation by investing predominantly in a diversified portfolio of equity and equity related securities of growth oriented mid cap stocks. However, there is no assurance or guarantee that the investment objective of the Scheme will be realized..



10. Baroda Pioneer ELSS 96 The main objective of the scheme is to provide the investor long term capital growth as also tax benefit under section 80C of the Income Tax Act, 1961..



Campus to corporate is a life-changing transformation, and while it is possible that you may go back to studying for a while, it marks the beginning of your adulthood. It is a life transition that is exciting because you get to work in your dream job, earn money and enjoy spending it as you wish! Yet, it also marks all the responsibilities and duties that come with a job. From the carefree world of campus to corporate routine; a lot of changes.


College exhibits a unique system of ensuring smooth transition from academics to professional environment, which is a result of a well-structured interface with the industry & corporate world.This system opens an arena of opportunities for students in various sectors of corporate and industrial world. To enable the students to make the best of these opportunities, students are put through rigorous corporate programs which run concurrent to their academic programs along with close mentorship activities. These comprise industry/laboratory/corporate visits, field research work in specified areas, relevant domestic & international internship programs, interaction with industry/corporate leaders by way of guest lectures, seminars, HR Summits, Fintech, Hackathons, interdisciplinary events like Ami-fest and Sangathan etc.


Here are some tips for you that will make this easy.


Define Career Goals – If you woke up late in college life, you always had the chance to miss the first lecture and join the next one. But when you move from college to corporate life, you must be at the office in time every day.  


Embrace Discomfort – The biggest thing you sacrifice when you move from campus to corporate is your comfort zone. You ruled your time, and what you did with it, now you need to adhere to work timings and calls from work at all times of the day. 



Be Respectful always – You were probably a prankster in college and very friendly with a large group of friends who you made fun of. Things are going to change once you move from college to corporate.



Develop Work Ethics – During college life you might have abused your influence and got way with getting your work done by your juniors or teammates.



Learn to manage stress – The biggest problem when moving from college to corporate is the stress that accompanies you. 



Start Saving – The most exciting part of the life transition from college to corporate is money. The Salary Credit message at the beginning of every month means a whole lot of opportunities to have fun.



Apply Technology Effectively The work culture in the corporate world has undergone a drastic change and we all know that. But what is the major driving force in such a change. Well, it is technology, and much emphasis is laid upon imbibing tech skills in students so that they are ready for the job market.


Open to Ideas & Experiences A fresher’s outlook to organization is vital to make progressions in your career.



Observing things of the Corporate World Pay close and keen attention to the corporate culture as one needs to learn how things work within the organization.



Madhurima Tiwari

FinTech Manager

MBA finance 

Axis Bank Mutual Funds By Madhurima Tiwari

Axis Bank Mutual Funds 

By Madhurima Tiwari

1. Axis Credit Risk Fund (Erstwhile Axis Fixed Income Opportunities Fund) To generate stable returns by investing in debt & money market instruments across the yield curve & credit spectrum. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns.


2. Axis Focused 25 Fund To generate long term capital appreciation by investing in a concentrated portfolio of equity & equity related instruments of up to 25 companies..


3. Axis Liquid Fund To provide a high level of liquidity with reasonable returns commensurating with low risk through a portfolio of money market and debt securities. However there can be no assurance that the investment objective of the scheme will be achieved..


4. Axis Strategic Bond Fund (Erstwhile Axis Income Fund) To generate optimal returns in the medium term while maintaining liquidity of the portfolio by investing in debt and money market instruments.


5. Axis Short Term Fund To generate stable returns with a low risk strategy while maintaining liquidity through a portfolio comprising of debt and money market instruments. However, there can be no assurance that the investment objective of the scheme will be achieved..


6. Axis Dynamic Bond Fund To generate optimal returns while maintaining liquidity through active management of a portfolio of debt and money market instruments..


7. Axis Long Term Equity Fund To generate income and long-term capital appreciation from a diversified portfolio of predominantly equity and equity-related securities. However, there can be no assurance that the investment objective of the Scheme will be achieved..


8. Axis Arbitrage Fund  (Erstwhile Axis Enhanced Arbitrage Fund) To generate income through low volatility absolute return strategies that take advantage of opportunities in the cash and the derivative segments of the equity markets including the arbitrage opportunities available within the derivative segment, by using other derivative based strategies and by investing the balance in debt and money market instruments. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns..


9. Axis Triple Advantage Fund To generate long term capital appreciation by investing in a diversified portfolio of equity and equity related instruments, fixed income instruments & gold exchange traded funds..


10. Axis Bluechip Fund (Erstwhile Axis Equity Fund) To achieve long term capital appreciation by investing in a diversified portfolio predominantly consisting of equity and equity related securities of Large Cap companies including derivatives. However, there can be no assurance that the investment objective of the Scheme will be achieved..


Madhurima Tiwari [MBA Fin]

FinTech Manager


MBA finance

Cost Benefit Analysis By Madhurima Tiwari

Cost Benefit Analysis

By Madhurima Tiwari 




A cost-benefit analysis is the process of comparing the projected or estimated costs and benefits (or opportunities) associated with a project decision to determine whether it makes sense from a business perspective.


Generally speaking, cost-benefit analysis involves tallying up all costs of a project or decision and subtracting that amount from the total projected benefits of the project or decision. (Sometimes, this value is represented as a ratio.)


If the projected benefits outweigh the costs, you could argue that the decision is a good one to make. If, on the other hand, the costs outweigh the benefits, then a company may want to rethink the decision or project.


There are enormous economic benefits to running these kinds of analyses before making significant organizational decisions. By doing analyses, you can parse out critical information, such as your organization’s value chain or a project’s ROI.


Cost-benefit analysis is a form of data-driven decision-making most often utilized in business, both at established companies and startups. The basic principles and framework can be applied to virtually any decision-making process, whether business-related or otherwise.



Madhurima Tiwari 

FinTech Manager

MBA Finance

How to Run a Successful Small Business By Pranita Jagtap


How to Run a Successful Small Business 

By @Pranita Jagtap

1. Get Organized

To achieve business success you need to be organized. It will help you complete tasks and stay on top of things to be done. A good way to be organized is to create a to-do list each day. As you complete each item, check it off your list. This will ensure that you’re not forgetting anything and completing all the tasks that are essential to the survival of your business.

Many software-as-a-service (SaaS) tools exist to increase organization. Tools like Slack, Asana, Zoom, Microsoft Teams, and other newer additions.

 That being said, a simple Excel spreadsheet will meet many of a business's organization requirements.

2. Keep Detailed Records

All successful businesses keep detailed records. By doing so, you’ll know where the business stands financially and what potential challenges you could be facing. Just knowing this gives you time to create strategies to overcome those challenges. 

Most businesses are choosing to keep two sets of records: one physical and one in the cloud. By having records that are constantly uploaded and backed up, a business no longer has to worry about losing their data. The physical record exists as a backup but more often than not, it is used to ensure that the other information is correct.

3. Analyze Your Competition

Competition breeds the best results. To be successful, you can’t be afraid to study and learn from your competitors. After all, they may be doing something right that you can implement in your business to make more money.

How you analyze competition will vary between sectors. If you're a restaurant owner, you may simply be able to dine at your competition's restaurants, ask other customers what they think, and gain information that way. However, you could be a company with much more limited access to your competitors, such as a chemicals company. In that case, you would work with a business professional and accountant to go over not just what the business presents to the world, but any financial information you may be able to get on the company as well. 4. Understand the Risks and Rewards

The key to being successful is taking calculated risks to help your business grow. A good question to ask is “What’s the downside?” If you can answer this question, then you know what the worst-case scenario is. This knowledge will allow you to take the kinds of calculated risks that can generate tremendous rewards.

 Important:Understanding risks and rewards includes being smart about the timing of starting your business. For example, did the severe economic dislocation of 2020 provide you with an opportunity (say, manufacturing and selling face masks) or an impediment (opening a new restaurant during a time of social distancing and limited seating allowed)?

5. Be Creative

Always be looking for ways to improve your business and make it stand out from the competition. Recognize that you don’t know everything and be open to new ideas and different approaches to your business. 

There are many outlets that may lead to additional revenues. Take Amazon for example. The company started out as a bookseller and grew into an eCommerce giant. Not a lot of people expected that one of the major ways that Amazon makes its money is through its Web Services division. The division did so well that when Jeff Bezos stepped down as CEO, the head of Amazon Web Services was named the new CEO.

6. Stay Focused

The old saying “Rome wasn’t built in a day” applies here. Just because you open a business doesn’t mean you’re going to immediately start making money. It takes time to let people know who you are, so stay focused on achieving your short-term goals.


Many small business owners don't even see a profit for a few years while they use their revenues to recoup investment costs. This is called being "in the red." When you are profitable and make more than you need to spend to cover debts and payroll, this is called being "in the black."

That being said, if the business is not turning a profit after a substantial period of time, it's worth looking into if there are issues with the product or service, if the market still exists, and other possible issues that might slow or halt a business's growth.

7. Prepare to Make Sacrifices

The lead-up to starting a business is hard work, but after you open your doors, your work has just begun. In many cases, you have to put in more time than you would if you were working for someone else, which may mean spending less time with family and friends to be successful.

The adage that there are no weekends and no vacations for business owners might ring true for those who are committed to making their business work. There is nothing wrong with full-time employment, and some business owners underestimate the true cost of the sacrifices that are required to start and maintain a profitable business.

8. Provide Great Service

There are many successful businesses that forget that providing great customer service is important. If you provide better service for your customers, they’ll be more inclined to come to you the next time they need something instead of going to your competition.

In today's hyper-competitive business environment, often the differentiating factor being successful and unsuccessful businesses is the level of service that the business provides. This is where the saying "undersell and overdeliver" comes in use, and savvy business owners would be wise to follow it.

9. Be Consistent

Consistency is a key component to making money in business. You have to keep doing what is necessary to be successful day in and day out. This will create long-term positive habits that will help you make money in the long run.

How to Refine a business Idea :-

To get started, follow these four steps to refresh and refine your plans, and your approach to your small business.

Re-evaluate your approach

In the early days of your business, you had a broad idea of who your target market. Over time, you’ve gathered experience on who exactly buys your products and services.

You should update your business plan to show the shifting demographics of your customers and how their buying behaviors have changed. Then, you’ll want to determine whether your products and services still fit that target market. If not, some changes are in order.

Review your payables

Now that your business has been in place for a while, it’s a good time to take a look at your operating costs. Even if you’re tracking them carefully, some unnecessary expenses can slip through the cracks. Pay special attention to some of your earliest purchases. Back then, you may have invested in products or services that you thought were “must haves.”

Get rid of those “nice-to-haves” and put that money back into the business.

Also, consider shifting monthly payments to annual billing, especially if those vendors provide discounts for doing so. Even a few percentage points of savings on multiple bills add up over time. By taking control of your bills with a new business plan, you avoid the dreaded mistake of long-term over-payment.

Evaluate your prices

While your business plan likely projects steady growth through winning over new clients, consider growing revenue through a new pricing strategy as well. Why? Organizational inertia can work in your favor. If you raise rates strategically or if you change to a subscription pricing model, you can probably keep most (if not all) of your clients while still increasing revenue.

Also, take note of the pricing from your competitors. Are you losing out on revenue by charging too little, or are you being severely undercut? The key is to find that sweet spot for your pricing that is fair to your margins as well as your customers.

Refresh your marketing plan

The business plan you created when you launched your business almost certainly includes a marketing plan, and hopefully, that plan includes a social media strategy. After all, Facebook and Twitter let your customers speak with you directly. The problem is that what’s popular online is a moving target.

Today’s Instagram may become tomorrow’s MySpace. Where should you focus your time? It depends on where your customers are hanging out. If they are active Pinterest users, for example, you’ll want to refresh your marketing plan to leverage this new platform.

Your business plan is a guide, not a legal document. You’ve got to refine it from time to time. Make it a point to do a quarterly or semi-annual review and refine your plans for better results!

Pranita Jagtap

Fintech Manager

Air Crew Aviation Pvt Ltd.

Basic Business Plan Pranita Jagtap

Basic Business Plan

Pranita Jagtap

What is a business plan?

With most great business ideas, the best way to execute them is to have a plan. A business plan is a written outline that you present to others, such as investors, whom you want to recruit into your venture. It’s your pitch to your investors, sharing with them what the goals of your startup are and how you expect to be profitable. 

It also serves as your company’s roadmap, keeping your business on track and ensuring your operations grow and evolve to meet the goals outlined in your plan. As circumstances change, a business plan can serve as a living document – but it should always include the core goals of your business.

Business Plan Steps:-

The specific information in your business plan will vary, depending on the needs and goals of your venture, but a typical plan includes the following ordered elements:

1.Executive summary

2.Description of business

3.Market analysis

4.Competitive analysis

5.Description of organizational management

6.Description of product or services

7.Marketing plan

8.Sales strategy

9.Funding details (or request for funding)

10.Financial projections

Assessing essential finances:-

Apart from your specific goals, here are seven key financial metrics to evaluate.

1. Net Worth:-

If you could look at only one metric to evaluate your progress, it would be your net worth (assets – liabilities). Our net worth reflects all of the financial decisions we’ve made throughout our lifetime. Think of it as your financial report card.

2. Debt Levels:-

The next step is to look at your debt and ask two questions. First, did your total debt go up or down over the past year? Second, and just as important, did you borrow money over the last 12 months? Some may have been able to reduce their overall debt, even though they borrowed more money during the year and then repaid it. The key to getting out of debt for good is simple–stop going into new debt.

3. Retirement Planning:-

At least annually we should evaluate whether we are on track to meet our retirement goals. A simple approach is to assess whether we are contributing the maximum amount allowed to 401k, IRA, and other retirement accounts. To go deeper, one of several free retirement planners can quickly assess where you stand.

4. Credit Report & Score:-

Checking your credit reports at least annually is important for several reasons. First, it can alert you to identity theft by showing your open accounts. Any accounts listed that you didn’t opened should be investigated immediately. Second, it’s not uncommon for creditors to report incorrect information. Regularly reviewing your credit report can catch these errors. Third, it keeps you focused on paying your debts on time and otherwise managing your credit wisely.

5. Savings:-

There are two key aspects of savings that should be evaluated. First, consider whether your cash position is sufficient to handle all short term needs and unexpected emergencies. Three to six months of expenses is a common rule of thumb, although I prefer one year.

6. Education:-

No financial assessment would be complete without considering education. For some that means evaluating 529 plans and other college savings accounts for children. For others it means evaluating options for consolidating or refinancing school loans (here are several options) in an effort to pay off the debt as quickly and inexpensively as possible.

7. Investments:-

Finally, the end of the year is a perfect time to analyze your investments. The starting point is to determine whether rebalancing your portfolio is necessary in light of your investment plan. It’s also a good time to determine whether you can lower your investment costs by switching mutual funds, investment advisors, or both. Lastly, consider whether you are taking full advantage of tax-advantaged retirement, education, and health savings accounts.

Asses initial Finances (Seed Fund) 

What is Seed Funding?

"Seed Funding" is the initial stage of funding a new startup. Startups with a new idea find it very hard to get angel investors interested in investing in their company when they cannot demonstrate the viability and likelihood of success of their new concept. Contacting banks for a loan isn't an easy task if they do not have the necessary conditions to provide banks with security for the loan. Seed funding can help startups that can come up with an original idea but lack the funds to carry out proof of concept, product testing, or prototype development tests.

How to Determine the Legal Structure of Your Business"

Should your business be a proprietorship, partnership, limited partnership, C corporation, S corporation, or LLC? Be informed to help determine the best business structure for you


Easy to form — As mentioned, this is the easiest business structure to set up. Minimal amounts of paperwork and red tape are associated with this type of business format.

Least expensive to set-up — Costs vary depending upon where you live, but typically all you'll need to pay is a nominal business license fee and maybe a business tax. Contact your city or county government offices for their requirements.

Ease of dissolution — Just as easy as setting up this type of business is ending it. As sole owner, you can dissolve your business at any time. There is no legal waiting period or formal paperwork involved.

Sole recipient of profits (and losses) — You, as owner, receive all of the profits and losses from the business. Profits and losses are reported directly on your individual income tax return. In the event that you suffer business losses, you can deduct them against any other income you may have to reduce your overall tax burden.

For example, Gina has decided to start up her own advertising firm on a part-time basis. Her plan is to continue her job as Director of Advertising for her town's leading newspaper until she is making enough money on her own to go it alone full-time. In the first years of operating her part-time business, Gina is able to off-set her income from the newspaper with the net losses from her part-time business to reduce the overall income tax she must pay as an individual.

Pranita Jagtap

FinTech Manager 

AirCrews Aviation Pvt Ltd