ISSN NO : 2321-5488
Volume:III Issue:III September,2015
LIFE INSURANCE –OBSTACLES TO GROWTH
Bhawana Paliwal
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After a decade of strong growth, the Indian insurance industry is currently facing severe headwinds, grappling with slowing growth, rising costs, deteriorating distribution structure and stalled reforms. For the first time since the industry was liberalized and opened to private and foreign insurers, the life insurance segment witnessed a year-on-year decline (around 10%).However, the picture is not all gloomy, while in the short run the industry may be undergoing a catharsis, the long-term picture is still compelling and a stronger and better founded insurance industry is likely to emerge from this challenging situation. The industry needs to offer appropriate product designs, which enable customized solutions for evolving customer needs in a professional and transparent manner, build and maintain trust among existing and potential customers, effectively deliver the product benefit to the customers and adopt a professional code of conduct. At the same time, the regulator needs to create a favourable environment for a competitive market.

भारतीय संगीत में कण्ठ संस्कार की अवधारणा
सुनील भि. कोल्हे
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भारतीय संगीत यह अति प्राचीन कला है । वैदिक काल में वेदों का गायन भी स्वरों के माध्यम से ही किया जाता था । कंठ व्दारा निकली आवाज कें उतार चढ़ाव से स्वरों की उत्पत्ति होती है । भावों का प्रभावी रूप से प्रेषण केवल संगीत के माध्यम से ही संभव है और उसके लिए आवाज का अत्याधिक महत्व संगीत साधना में बताया गया है । प्राचीन काल से ही संगीत साधक स्वरों की अर्चना करता आया है। उसके लिए उसे भिन्न-भिन्न क्रियाओं की सहायता लेनी पडती है ।

SEXUAL BEHAVIOUR AND HUMAN HEALTH: A SOCIOLOGICAL OBSERVATION
Kumara M C , A.G.Khan
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This study aims to research sexual behaviour and human health in India: sociological observation risk factors associated with sexual intercourse. Sexual Strategies Theory define two very different temporal durations for human mating, short-term and long-term. For evolutionary purposes the main goal is to increase one’s reproductive output. Unlike previous studies that have focused primarily on adolescents and young adults this study will look at risk factors throughout adulthood with the hope of comparing a variety of different sexual relationships found during peoples’ lives. Due to the amount of evidence highlighting the dangers of risky sexual intercourse it is predicted that those who have engaged in such activities will have lower self-esteem and increased depression that those who have not. This includes people who have had multiple partners in which contraception is not used, those who engage in risky sex while intoxicated, those with a risky partner, a history of STD’s and those who have had sex for money. This study will also look at people’s attitudes towards sex and how these correlate with both sexual behaviour and mental health.

EFFECT OF e-CONTENT PACKAGE ON LEARNING GENETICS AT HIGHER SECONDARY LEVEL
M. Prabha , R. Ramesh
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The present paper is aimed to study the effect of e-Content package on learning genetics at higher secondary level. This study is experimental in nature and has been conducted on 64 higher secondary students. The findings revealed that the e-Content package for learning genetics for higher secondary level student is a highly effective tool for learning genetics. The demographic variables selected for the present study did not influence in the learning out come in genetics.

A STUDY OF CUSTOMERS’ SATISFACTION ON DIGITAL TECHNOLOGIES IN BANKING SERVICES
C.S.Shruthi , S.Sahayaselvi
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New Information technology has taken important place in the future development of financial services, especially banking sector evolution are affected more than any other financial provider groups. Today most of the banking happens while you are sipping coffee or taking an important call. ATMs are at your doorstep. Banking services are accessible 24x7. There are more plastic cards in your wallet than currency notes. A huge part of this change is due to the advent of Information and technology (IT). Banks today operate in a highly globalized, liberalized, privatized and a competitive environment. In order to survive in this environment, banks have to use IT. Indian banking industry has witnessed a tremendous developments due to sweeping changes that are taking place in the information technology. Electronic banking has emerged from such an innovative development.

‘‘बी.एड. प्रशिक्षणार्थी हेतु केन्द्रीय शिक्षक पात्रता परीक्षा के गणित विषय पर आधारित प्रशिक्षण कार्यक्रम की प्रभाविता का उपलब्धि एवं प्रतिक्रिया के संदर्भ में अध्ययन’’
कामाक्षी अग्निहोत्री (उपाचार्य) , पूनम शुक्ला
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आज का युग प्रतिस्पर्धा का युग है। वर्तमान समय में अधिकांश व्यवसाय हेतु किसी न किसी प्रकार की चुनौती विद्यार्थियों के समक्ष उपस्थित होती है, जिसका पूर्ण अभ्यास सामान्य पाठ्यचर्या के माध्यम से नहीं कराया जा सकता है। अतः व्यवसायिक चुनौतियों का सामना करने हेतु इस प्रकार की षिक्षा की आवश्यकता है, जो कि विद्यार्थियों को इतना सक्षम व समग्र बना दे कि वे किसी भी व्यवसाय के लिये पूर्णरुपेण तैयार हो जाये। व्यवसायिक शिक्षा वह षिक्षा है, जिसके द्वारा विद्यार्थियों को उनकी रुचि के क्षेत्र में आने वाली बाधाओं को दूर करने के लिए प्रशिक्षण दिया जाता है।

वर्तमान परिवेष में रैदास रूपी महामानव की वैचारिक प्रासंगिकता
किरण ग्रोवर
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निर्गुणधारा का आविर्भाव सत्ता की अस्थिरता, अव्यवस्था, अशांति, अवसाद, संघर्ष आदि के वातावरण में हुआ। हिन्दी के मध्यकालीन निर्गुण कविता का सृजन राजनीतिक, धार्मिक एवम् सामाजिक परिस्थिति की व्यवस्था और विसंगति के बीच हुआ। अशांति और अव्यवस्था के युग में रैदास रूपी महामानव का काव्य अत्यंत बहुमूल्य और समाजोपयोगी है।रविदास जी का अनुभव व चिन्तन एक ऐसा दीपक है जो समाज में फैलेभ्रष्टाचार, जातिवाद, भाषावाद, सम्प्रदायवाद, हिंसावाद वअनैतिकता के घने अंधकार को नैतिकता में परिणित कर सकता है तथाउनकी वाणी अमरता का उद्घोश करती है।रैदास जी की वाणी में मानवीय प्रासंगिकता का जुड़ाव है, उन्होंने कथनी व करणी में समन्वय स्थापित करकेसंतों का संतत्व,दुर्लभ मानव जीवन का सदुपयोग, कर्म श्रृंखला,गुरु की अनिवार्यता,परमात्माको सृजनात्मक शक्ति स्वीकारना,जाति-पाति के भेदभाव को महारोग बताना,मांसाहार का विरोध, सत्य, संतोष और सद् आचरण को जीवनाधार मानना,मनुष्य की एक जाति और एक धर्म मानते हुए स्वाभाविक, व्यावहारिक और विश्वासमय चिन्तन उपस्थित किया जिसमें वैचारिक प्रासंगिकता के अन्तर्गत मानवीय,सामाजिक, दार्शनिक,धार्मिक,आध्यात्मिकप्रासंगिकता का जुड़ाव करके शताब्दियों तक अमरता का उद्घोष करने वाला जन-जागरण का सन्देश प्रेषित किया।

EFFECTIVENESS OF DIGITALIZE CONCEPT MAPPING IN TERMS OF UNDERSTANDING CONCEPTS OF EDUCATIONAL RESEARCH
Manisha Vinay Indani
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In the present experimental study an attempt was made to study the effectiveness of Digitalize Concept Mapping in terms of understanding Concept of Educational Research. Digitalize Concept Maps were developed for teaching Educational Research. Pretest-posttest single group design was employed for this experimental study. Sample of 37 students were selected through purposive sampling method. The Concept Mapping is the strategy employed to develop a Concept Maps. It is a graphical tool for organizing and representing knowledge. It can be used for self learning and note Making

IMPACT OF KAMASUTRA ON INDIAN NOVEL WITH SPECIAL REFERENCE TO THE NOVELS OF BANKIM CHANDRA CHATTERJEE
S K Mishra
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The Western influence opened for the English educated youth the liberal, self respecting or individualistic and humanistic values of the West which made them look back into the vast literary and cultural treasure of their own nation for emotional continuity and richness of expression which was in their blood as a living heritage. Bankim’s exposition of love in Kapalakundala is in fact Bankim’s fulfillment of the social and emotional needs of 19th century by looking back into the living heritage of his culture which passed on to him through Kamasutra and its impact on Sanskirtic and medieval literary traditions.

LINGUISTIC VARIATIONS IN INDIAN ENGLISH LANGUAGE
Dr. S. P. Rajguru
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The Present study attempts to discuss the Sociolinguistics of English in India. The rising status and the rapid spread of English is a matter of discussion in the field of applied linguistics.

STRUCTURE OF INTELLECT MODEL – STUDIES IN ABROAD
Vikram P. Hiremath
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Reviewing the related literature helps the researcher to know the studies already conducted in the field and to ensure that what the researcher is going to do is not just a repetition of the previous work.

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