Six Strategies for Indian Retailers to enhance their Profitability

The Indian retail sector has seen a high growth over the past decade with an emerging trend towards organized retail formats. The organized retail sector has today reached a share of 8-10% from an initial penetration of 2-3% a decade ago. There are multiple factors that have pushed the growth of Indian retail sector such as strong and robust economic growth, increased retail spending, growth in product categories that are retailed and emergence of innovative distribution channels such as smartphones. In such a powerful growth environment, it becomes critical for players to understand best strategies for higher profitability in Indian retail industry:


Figure 1Six Strategies for Indian Retailers to enhance their Profitability

  1. Customers are king

The first critical step towards enhanced profitability in retail begins with addressing the needs of consumers. Since consumers vary by region, state and street, it becomes critical to understand local market dynamics and accordingly arrange product assortments in an online or offline store, so that their diverse needs are met. It may be a good idea to hire a chief consumer officer whose job is to continuously understand and address the needs of customers.

  1. Unique value proposition

In a highly competitive market segment, it makes sense to position your brand with a differentiated value offering. Retailers that design a unique value proposition which sets them apart from the competition multiply their chances of survival in the fierce competition. In order to develop a consumer centric value proposition, it is logical to analyse customer feedback about your brand, and then devise strategies to serve them better. Innovative ideas should form the basis of your value proposition strategies.

  1. Customer experience matters

Retailers need to merge online shopping experiences with offline in store experiences so that each customer touch point is attractive. Some of the key strategies for a seamless customer shopping experience include effective inventory management, an integrated sales and operations planning process, multi-modal transportation networks, and training of staff for various management activities.

  1. Let data decide for you

Retailers need to harness the power of data analytics to take critical business decisions. Digital analytics provide useful insights to retailers for marketing, supply chain management and customer experience. Knowing who your customers are, what they need, and how the entire retail chain works makes you a smarter player. Remember, analytics is not a one-time feature. It needs to be continuously explored for customer preferences that keep changing with time.

  1. Invest in technology

An intelligent retailer understands that the only way to stay ahead of the competition is to keep investing in new technology. It is good to take bold risks, but one should always have a back-up plan ready for an unforeseen failure. It is understood that technology has a small shelf life, but continuous contact with customers is expected to me more effective than blanket marketing.

  1. Protect your reputation

When you run a business in a digitally charged environment, you are also exposed to potential risks of such technology. Be it social media or potential website hacks, you need to be vigilant about your digital assets.

These powerful strategies can definitely change the game for your company in a highly competitive retail sector in India.


How To Get AADHAAR Card for Your Kids

How To Get AADHAAR Card for Your Kids

Image Source: iaspaper com

Aadhaar Card number refers to a 12-digit unique number provided to the Indian citizens by the Unique Identification Authority of India (UIDAI), a central government agency. Apart from adults, now parents can get the Aadhaar number for their children too. However, parents should have a valid birth document of their kid while applying for Aadhaar card.

Parents need to reach any Aadhaar card facilitation centers spread all across India to get their kids enrolled to the nation’s UIADI scheme. A kid has to attain 15-year of age before his parents can apply for his or her Aadhaar Card with biometric details intact. Aadhaar cards for kids can also be issued without biometric details for kids below 15 years of age.

Important Documents for Parents

#1) Parent’s identity card and proof of address are necessary while enrolling their child for an issue of an Aadhaar card.

#2) The birth document of the child such as the birth certificate.

#3) Parents should also present their Aadhaar Cards while enrolling their child for the scheme.

In some rare cases, parents may need to get Aadhar card for their little ones below 5 years. In that case, only the demographic details of the parents of these kids will be sought. Biometric details tend to change frequently after 5 years. So, occasional updates might be required after 10 years.

Advantages of Aadhaar Card for Children

One time registration. The number would stay same for a lifetime.

Parents of kids from 6 months to 5 years can apply for Aadhaar card.

It may require biometric data updation after a few years. Until, the child turns 15.

In current times, Aadhaar card has emerged out as the most important document. It serves both as a POI (Proof of Identity) and even POA (Proof of Address) in some cases.

Everyone is entitled to one Aadhaar Card only irrespective of his or her age or gender.

Applying for an Aadhaar Card for Your Kids: Complete Procedure

1) Log on to UIADI official website. And open the registration link.

2) Fill in the forms carefully furnishing every detail that it asked from you.

3) Fill demographic details such as the full address, location, state and etc.

4) Select “Fix Appointment” button. It would allot you an Aadhaar card enrolment center with a date of an appointment.

5) Reach the Aadhaar center on the date of an appointment. Keep original document of your proof of address and identity.

6) The person at the Aadhaar Center will verify all documents of the parents.

7) If the child is 5+ years, then his biometric details will be taken. If not, it’s not required.

8) You will be given an acknowledgement number and slip as a proof of your application.

9) You will receive an SMS indicating whether your application was successful or not.

10) If your application was successful, you will receive the Aadhaar Card for your kids within the next 60 days. If it was rejected then you have to resubmit again with updated information.

The Demand of Separate Statehood

tipra1 Image source:

As cited by administrators, creating a separate state is an enunciation to a better judiciary and administration.

Although creating a separate country is based on different science altogether. Considering a recent example of Scottish referendum, the Scots being a separate country but falling in the jurisdiction of UK voted NO because many were afraid of how an independent Scotland might change their day-to-day lives. While the ‘Yes’ camp’s case for independence attracted millions of voters, the task of building a workable, independent nation proved too daunting for many.

In India we have too many examples were the separatisms has prevailed due to various reasons. Lets us not drag J & Kashmir in this issue as it has a different history all together.

(AFSPA) in 1958 to put down separatist movements in certain parts of the country when insurgency occurred in North East India in Manipur, Nagaland, Meghalaya, Mizoram, Tripura. The more important issue with these states however is territorial dispute with neighbours such as Pakistan and the PRC, rather than independence from the India.

The law was first enforced in Manipur and then also in other insurgency-ridden north-east. It was extended to most parts of Indian-administered Kashmir soon after the outbreak of armed insurgency in 1989.
The soldiers are immune to law against prosecution unless the Indian government gives prior sanction for such prosecution. The government demands that the AFSPA is necessary to restore normalcy in regions like Kashmir and Manipur. The situations in these have always been highly sensitive, we have also noticed oppressions from the people, especially the brave Iron Lady of Manipur, Irom Sharmila and then the inhumane case of Thangjam Manorama which lead to a huge and nationwide fruitless protest.

Khalistan(Sikh Country)
Bodoland (Assam)

Are a few examples were insurgency for a separate country arose in the past. Also Dravida Nadu (Dravidian speaking) people rose to create a separate country for the speakers of Dravidian Language with the support of the local political party DMK.

It would be wrong to assure that such insurgency may not occur in the future because India is a politically driven country, with countless languages and incredible diversity. Language, religion, caste are a few reasons that initiate such extremism.

We must look into North East, even today we experience cases of these people coming to other states for for education and jobs and being killed due to language barriers and non identical reasons (Bangalore,Delhi)

It is somewhere our fault that leads to such incidents. Weather or not it is bound to happens again in our country, we must realise the fact the diversity is a boon and a curse to the nation. Defending this country we must strive hard to respect each other and if we can, we must go out of our way to offset this common sense of inequality because the only way we can succeed in becoming a first world nation is by understanding the strength of this diversified nation and promoting the idea of egalitarianism.

Who will Win UP Elections?

Chandigarh-MC-Election-Results-2016-Ward-Wise-Winner-List-Name-Live-UpdatesImage sorce:

All signs point that the Uttar Pradesh elections will be held in February, so the time is not far when battle in the biggest Indian state election will kickoff to choose a new chief minister.

Rita Bahuguna, a long term Congress confidante recently joined BJP, the party at the Center, before the Uttar Pradesh Vidhan Sabha elections. It showed that the power shift in the upcoming elections has taken a toll on all major party candidates who have aligned with BJP as the party is betting big on winning the elections and proclaims that they will form the government in UP in 2017.

The incumbent Samajwadi Party(SP) claims that there is no match to Akhilesh Yadav in Uttar Pradesh and the BJP as well as the Congress do not have any strong candidate for the Chief Ministership. This, they say, is clear enough through the constant poaching that the BJP is doing in the state. About Congress, SP spokesperson Gaurav Bhatia said, “Congress is a non player in the state of Uttar Pradesh, with no leaders at all.”

What cannot be ignored is the family war going on in the incumbent Samajwadi Party, which is evident from the tussle between Akhilesh Yada and rejoined long term party associate Amar Singh. Akhilesh and his uncle Shivpal Yadav are too at loggerheads at the distribution of ticket to the candidates.

Political analyst Neerja Chowdhury said in a debate that Akhilesh Yadav has a positive image in the state, but the ongoing conflict in the family has sent divisive signals to the people of Uttar Pradesh. She also said that Rita Bahuguna has been responsible for Congress in the State and so is responsible for the current fiasco of Congress in UP. Rita’s move from Congress has also sent a message that the Congress has little chance to recover in the foreseeable future.

To the fact that BJP hasn’t yet declared any chief ministerial candidate in Uttar Pradesh portrays the lack of a strong people’s leader in the party. To this Sudhansu Trivedi said that historically, the BJP projecting a leader in the state has not always received benefits, thus it is the leaders who decide to declare a leader and when to do so.

Union Home Minister Rajnath Singh is a leader who has leverage in the state, yet BJP has refrained from projecting him as the Chief Minister, yet.

Overall, BJP hasn’t yet shown its cards and there is no visible mandate for any particular party. The election war in Uttar Pradesh will be a test for all political parties and especially for BJP.

Why Pakistan named the Indian cyclone

Recently cyclone Vardah swept the Indian southern State of Tamil Nadu in which 18 people lost their lives along with widespread destruction of the green cover and infrastructure. Many livelihoods were uprooted and squatters displaced.

The name ‘Vardah’ means red rose in Urdu and was suggested by Pakistan. According to a report by the Indian Meteorological Department, through suggestions of several countries a comprehensive list of names of cyclones in the 1900s was formed. It was decided that the names would be feminine and that they would be in alphabetical order as the year proceeds. Later masculine names were given to the cyclones formed in the Southern Hemisphere.

The reason for such names were that they were easier to remember and identifiable for the general public.

The list was formed by eight countries – Bangladesh, India, Maldives, Myanmar, Oman, Pakistan, Sri Lanka, and Thailand, and covers the Bay of Bengal and the Arabian Sea.

If anyone wants to suggest a name they can write to IMD’s Director General of Meteorology.

So as to help quick identification of tropical cyclones, the system of naming began; it also makes it easier for media to report about the storm. It’s also easier to remember these names as compare to technical terms and increases preparedness.

How does the naming happen?

E.g. If a storm is names Antara, beginning with letter A, then that means that storm is the first to occur in that year. These names are maintained by the National Hurricane Center. Before 1900, the forecasters used male names for southern hemisphere cyclones, later on the names were taken from the lists by the hurricane center.

The names are updated and maintained by the World Meteorological Organization.

Below are the list of names and the pattern in which the names are written. The name Vardah also is mentioned in the list. You can check which name will be used next time any cyclone hits the Indian Ocean.

Can India be Income Tax free?

There is a national debate on abolishment of income tax in India, but is that possible and if it’s possible, is the government willing to do so?

If income tax was removed, there wouldn’t be a question of paying income tax or running away from it, thus legitimizing the money. Thus, no black money remains in the market apart from that of crime.

Since only 4% of Indian population pays income tax, the impact will be limited to the amount of 3 lakh cores that is generated though income tax.

This will also increase hugely, the amount deposited in banks because people will be freely willing to declare their income through their bank accounts and increase savings. This is not possible, it income tax is levied for people evade the tax and thus black money is generated.

Since the bank deposits will shoot up, the interest rates will also decline on loans.

Congress  leader  Sandeep Diksht said that the fear that lurks due to tax terrorism  and income tax officers going everywhere conducting searches is a problem for the people. Income tax officers are not known to be kind and honest in their activities and most of the times people are acquitted after contracts between the culprits and income tax authorities evading justice.

Income tax accounts for about 3 percent of the total GDP income of the country. There has been a failure from the govt to keep a check on the income tax evaded by the people. This has been a great backlog of the Indian economy where black income plays a major role and has its own economic system.

Monaco, Bermuda, Bahamas, Andora and UAE are some countries who have abolished income tax.

Congress leader Salman Soz said to News X that this idea is totally immature since income taxes are considered as progressive taxes. If a person earns more then he must pay higher tax. If it’s gone, then a poor man and a rich man will be paying the same amount of indirect tax which is unfair.

India to surpass United State in eCommerce

India to surpass United State in eCommerce

As of today, about 350 million Indians use internet. This number is estimated almost double to 600 million by 2020. Google’s Next Billions Users states that every second India gets three new internet users.


Image: Worldpay Global Payment Report statistics

Global Payments Report in its recent report said that by 2034, Indian eCommerce market will grow to $2039, making it larger than that of US and second only to China.

The predictions are audacious as the report also said that today Indian eCommerce accounts for only 1% of money spent in the sector.

The report estimates theto grow at the rate of 28% per year for next four years. Thus, it pegs the market to be worth $63.7 billion by 2020.

With the current speed of growth, the internet users in India will rise 250 million higher than today i.e 750 million Indians will use internet by that period and that number, it suggests means a tremendous push for the internet commerce. Many of these new users will be mobile-first users, which means that they will access the internet not through computers but through their mobiles. The report points out the fastest growing smartphone market and cheap internet access as the reason for this growth. It compared India’s internet data plans to be twice as cheap as China’s.

The above projections are driven by the fact that Indian market is changing technologically and the rising average income and favourable demographics will be the driving force for the e-commerce market here.

The report pointed out that a research by Korn Ferry projects consumer spending in India to rise significantly and 70% of the population being below 35, the internet business will see incredible growth with the help of this largest youth population in the world.

According to the Worldpay projections, by 2034, China will account for 50% of global online retail market spending, which will be its peak. Thus, China and India together will make Asia the centre of explosive eCommerce growth.

Rising use of mobile internet, young consumers, availability of 3G and 4G at affordable prices support the audacious claims made by the report. The report took note of people switching from 3G to 4G and that smartphone penetration increased by 23% in 2015.

It also noted that in India, people prefer primarily cash on delivery and that confidence in cards and sharing data is rising, it proposed that merchants must provide a cash on delivery option to the consumers.

Important Law Process Every Indian Must Know



Penal Provision in a Law/ Legislation

All civil legislations will have a small component of it that makes or creates an offence for any violation under that particular law. That component is Penal Provision. Therefore the criminal justice system is a very powerful process in India as every law in the country says that in absence

E.g. Labor legislation for construction workers or bonded labor.
Laws – Bonded labor regulations abolition act | Unorganized Sectors act |

2 Legislations for addressing offence – Penal Code | Criminal Procedure Code (CrPC)
Civil Matters with CPC | Criminal matters with Penal Code

IPC – Document that lists more than 500 offenses | Treats many acts as a crime | Penal code has definitions of the crime.

Process After a Crime is Committed

FIR – First Information Report – Not an exhaustive document. It just sets the law into motion

Prima Facie – Left on the court or investigative agency to find out if the crime is committed or not.

Law starts into motion with FIR | Investigation starts and there are two tracks | One track will be to get statements from the witness, privy to the offence etc | Second track to nab the person accused on basis of the materials available | the person nabbed is called the accused and not convict |

The rights of an Accused after arrest

  • Right to be produced before a judge within 24 hours (constitutionally guaranteed right)
  • After the person is produced before the court, the court will either send the person to police custody or judicial custody
  • Police Custody – When investigative agency appeals to the court to allow the police to investigate the person, thus police custody. It is granted by the court with some amount of moderation. Like 3, 5 or a 7 days. Torture etc tend to take place for investigation
  • Judicial Custody – Depends on judge’s discretion generally there is diff violence but not investigative violence.

Right to Bail – The accused has right to bail right after his arrest. While giving bail, the court can impose certain terms.

  • Term of assurity – There has to be two people supporting the accused liable to penalty if the accused runs away. E.g. bail bonds
  • The court can dismiss the bail application.
  • Principles of granting and not granting – If the investigation is incomplete | Accused may run away and would be difficult to procure him | Hampering the investigation by means of threatening, etc.
  • Discretion of the judge based on various principles and accounts.

Bail can be rejected when they think

  1. You can run away
  2. You will tamper the evidence or intimidation

Bailable offense – e.g. In an accident, an FIR is filed by the police then the person is released as arrests aren’t done for all accidents. Thus, bailable offence.

Non Bailable Offense – One where release can take place only when you obtain bail from the court.

This process happens generally at the trial level.

Other rights of Accused

Right against self incrimination

Note: There is a lot of media information today that only talks about the police’s side. Eg. This is what the accused has said during the interrogation. This is not reliable as it tries to build up public opinion.

Any confession made to the police by accused is not considered as evidence and thus cannot be used as one, unless it is for a limited purpose like recovery of articles. This prohibition is law as per the Evidence Act (giving exception to recovery articles).
Accused talks about his murder weapon, giving information about its whereabouts. But that too needs to be proved.  

Judicial Confession – An accused confronts to the crime in front of the judge. Under judicial guidelines the accused should tell the judge about the crime committed.

Eg. Sheena Bora case – Driver made a judicial confession.

Another Elderly Man Dies after Standing in Que for Money



A 70 year old man from Eastern Uttar Pradesh district of Azamgarh, died of a heart attack after standing in a queue outside a bank in Maharajganj area.

The old man Ishteyak Ahmad, a retired teacher was standing in a queue when he fell unconscious standing in the queue. Although he was immediately taken to the hospital, he could not be saved.

Only a few days back, a 73 year old man Vishwanath Vartak had collapsed due to a heart attack in Mulund, Mumbai while standing in a queue outside SBI branch. Others in the queue admitted Vartak to the hospital, but unfortunately he could not be saved.

People have rushed to exchange 500 and 1000 rupee notes through banks after the government of India initiated a ban on 500 and 1000 rupee notes. People have been asked to exchange their notes until December 2016 after which the currencies will not be taken and circulated.

Modi’s shocking announcement has got ordinary citizens at a fix who are running up and down to tackle the shortage of new currency and dealing with long queues at banks and ATMs.

The notes of 500 and 1000 account for roughly 87% of all notes in circulation across India that runs on cash. As per 2015 Tufts University study, less than 10% Indians had made payments without using cash. The report also said that the value of notes and coins as compare to India’s economic output, or GDP, was about 12%, which is significantly higher than the likes of Brazil and South Africa, where it is under 4%.

Modi government argues that the step to demonetize will have a good impact on Indian economy in the long run and said that the problem faced by the people is temporary.

Manohar Parrikar, Union defense minister said that ‘demonetization ended stone pelting in Kashmir’, to which Congress President Farooq Abdulla responded by saying that it is a misconception that demonetization and board exams would end the unrest in Kashmir Valley. He also said that the “storm” would rise again.

Legalizing Euthanasia in India



Major debate kicked off on legalizing euthanasia in India when Pinki Virani, a Mumbai based journalist, Pinki Virani filed a plea to the Supreme Court of India on January 24, 2011, after 37 years of vegetative state of rape victim Aruna Shanbaug. Although, Aruna had to die from pneumonia, she gave India the gift of passive euthanasia (withdrawal of medical treatment). So, thanks to her and Pinki Virani, who fought the battle for Aruna and in-turn for India.

The biggest question that one must ask here is, whether it should be a right given to an individual to die.

Here are some major reasons that are in the public domain which claim euthanasia to be wrong…

  1. Right to Kill – Euthenasia or Passive Euthanasia gives direct and indirect power to the doctor to kill a patient, which raises questions about its moral justification
  2. Palliative Medicine – Palliative medicines, say medicine practitioners, alleviates most of the unpleasant symptoms of terminal illness, which thus makes euthanasia unnecessary and thus hope for the betterment of the patient. Like professor Steve Field, former Chairman of the Royal College of General Practitioners says that “assisted suicide is not the answer to the ills of our health system.”
  3. Misuse by Family: A family can misuse this right as they can persuade vulnerable people, mostly elders, to request for euthanasia so they can inherit the wealth
  4. Discouraging cure – Necessity is the mother of invention and that’s exactly how the medical research works. Finding a cure for ill person is more robust and euthanasia is definitely not so collaborative of this fact
  5. Confidence of Medicine – euthanasia leads to distrust in medicine by people as direct killing is scary as well as disheartening for people. The Hippocratic oath talks about not giving any deadly medicine to a patient under any circumstances.
  6. Controversial Requests – There are many countries like Holland and Belgium where people are requesting euthanasia, not for they are terminally ill, but because they feel abandoned or that they feel like a burden on their families. This is direct exploitation of elderly people.

For those in favor of Euthanasia, here are some arguments presented by them….

  1. Just how the Hippocratic oath makes sense above, it also makes sense when it says that, one would not keep a patient artificially alive, when death is preferable
  2. The uncertainties of life and unbearable pain and burden that it follows on a terminally ill patient like Aruna, makes it more evident that euthanasia should be a choice of the person or someone who can choose the right to exercise this on behalf of the patient, like a family member
  3. The fact that euthanasia encourages illegitimate pressure on the vulnerable elders, one has to consider that in 1998, Oregon in USA, became the first state to put in affect euthanasia, 10 years later, passive euthanasia stood at 341 lives. So, a fact and impact check here…
  4. Another opposing opinion on the debating point of euthanasia leading to murder of happy poor people due to pressure, statistics from euthanasia legal country Netherlands show that deaths from euthanasia in the country is 1.7 percent of all the accounted deaths.

Overall, if one has the choice of life, one should also have the choice to die. A close friend once responded to euthanasia by saying, “one should be free to kill himself/ herself as nobody asked us before giving us this life. We have been pushed into it without being given a choice.” Although philosophical, but it does make some sense, but then, sense is too objective, so to speak.