MCom, MPhil

K. G. Rajani currently serves as Assistant Professor & Vice Chair Person for UG courses in the Department of Commerce and Management, School of Arts & Sciences, Kochi. She has 12 years academic experience, including 4 years in research. She has also qualified SET and completed PGDCA. 


Publication Type: Journal Article

Year of Publication Title


S. Santhosh and K. G. Rajani, “A Study on Comparative Analysis of Risk and Return of Selected Stocks with Special Reference to Cnx Bank Nifty”, Journal of Advanced Research In Dynamical And Control System , vol. 11, no. 4, pp. 2339-2345, 2019.[Abstract]

India is one of the rising economies in the world, which has witnessed giant tendencies in the stock markets during the liberalisation policy initiated by the authorities. However, making an investment in banking stocks contain excessive risk which can be guided but can't be managed. Most of those risks affect the economic system and require the investors to address their portfolio or experience out of the storm. This research paper analyses risk and return of banking sector with the aid of taking Bank Nifty Index as the benchmark. The study has a look at compares the performance of 10 selected banks within the National Stock Exchange. Being the spine of the country’s economic system, Indian banking industry always performed an effective key function in prevention of economic disaster from reaching terrible volume in the country. Risk is a possibility that denotes a terrible effect to an asset or some function of cost that may get up from given action or state of being inactive, foreseen or unforeseen. The banking region price range have proved more unstable than the pure various equity funds which make some of them an excessive volatile. This paper evaluates the performance of banking shares in particular to find out the rate of risk and return of stocks according to exceptional risk elements prevailing inside the market and other monetary factors.

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A. M., P., A., and K. G. Rajani, “A Study On The Change In Buying Behaviour Of Consumers With The Advent Of Shopping Malls With Special Reference To Ernakulam District”, International Journal of Management, IT & Engineering , vol. 9, no. 4 (1), 2019.[Abstract]

The retail sector in Indian has seen a drastic transformation and rapid growth since the last decade. . Organized retail sector is growing at rapid speed, more jobs are being created, town plans are getting modernized, and thus the consumer behavior too. While the transition is happening at global level in various forms, the shopping behavior of consumer is also likely to change with the growing choices and trends. The shopping patterns of the Indian consumer are becoming more effervescent as a result of the vigorous changes taking place in their lifestyle and also due to the impact of global marketing conditions in the retailing industry. A consumer is the one who pays something to consume goods and services produced. As such, consumers play a vital role in the economic system of a nation.. The choice and decisions of the consumers have great impact on the marketing condition as they influence the demand and supply of products. With the advent of shopping malls there is a great change in consumer’s buying behaviour. Nowadays they prefer to purchase more from these shopping malls rather than from retail shops. As a result this study focuses to bring out the changes in the buying behaviour of the respondents with regard to the expectation of the products and availability of service that are offered in the mall and factors that are influencing the customer towards the purchase of products in the shopping malls. This study also aims conduct a comparative study on the buying pattern of the consumer from retail shops and from shopping malls The sample size of 100 has been selected for the study from Ernakulum district and Simple Random Sampling method is used in the study. The study mainly focuses on the buying behaviour of consumers in the shopping malls

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Reshma Raj, Shilpa H. S., and K. G. Rajani, “Problems Faced by Small Business Entrepreneurs in Obtaining Credit Facilities from Commercial Banks- With Specific Reference to Mudra Loan”, International Journal of Innovative Technology and Exploring Engineering (IJITEE), vol. 8, no. 6S2, 2019.[Abstract]

Finance is essential for the survival of every business enterprises. The ability to access finance is a major factor affecting the growth and success of the business enterprises. Many businesses in Kerala face lot of challenges in accessing loans from banks and financial institutions and also micro and small enterprises are most affected. The study offers an insight into the problems faced by small business entrepreneurs in obtaining credit under the PM MUDRA Yojana or MUDRA scheme from commercial banks. A sample size of 53 small business enterprises in Ernakulum district was taken for this purpose. Findings were presented using Pearson’s chi-Square test, standard deviation, arithmetic mean and frequency. Findings revealed several problems which were perceived by the entrepreneurs while obtaining loan under the MUDRA scheme. Some of these problems are delay in fund disbursement, co-applicant requirement, bank hesitate to give loan to the young entrepreneurs etc. Therefore it is recommended that financial institutions would be more flexible in financing micro and small enterprises.

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