A Study on Non Performing Assets of Public Sector Banks in India with Special Reference to State Bank of Travancore

The reforms in Indian banking sector since 1991 is deliberated mostly in terms of the significant measures that were implemented in order to develop a more vibrant, healthy, stable and efficient banking sector in India. The effect of a highly regulated banking environment on asset quality, productivity and performance of banks necessitated the reform process and resulted the incorporation of prudential norms for income recognition, asset classification and provisioning and capital adequacy norms, in line with international best practices. The improvements in asset quality and a reduction in non-performing assets were the primary objective enunciated in the reform measures. In this context, the present research critically evaluates the trend in movement of nonperforming assets of public sector banks in India during the period 2000-01 to 2011-12, thereby facilitates an evaluation of the effectiveness of NPA management in the post-millennium period. The non-performing assets is not a function of loan/advance alone, but is influenced by other bank performance indicators and also by the macroeconomic variables. In addition to explaining the trend in the movement of NPA, this research also explained the moderating and mediating role of various bank performance and macroeconomic indicators on incidence of NPA

Utilization Of Weeds And Agriwaste By Popularizing Handpapermaking In Kerala, India

Kerala in south India grows several cash crops such as banana and pineapple, the crop residues of which are sources of natural fibres that can be used in hand papermaking. Kerala, however, does not have a tradition in hand papermaking. The following is an account of an attempt to popularize the art and craft of hand papermaking among self-help groups as a means of self-employment and waste utilization, using fibres extracted from agriwaste and local plants

Algal Blooms and Associated Bacteria along the Southwest Coast of India

It is essential to understand how the distribution and composition of microalgae as well as dynamics of HABs in economically important shelf seas relate to the particular physico-chemical and biological properties of the water column in which they live. In view of the importance of southwest coast of India, which is considered as one of the most biologically productive areas in the world, regular monitoring of distribution and abundance of microalgae is important. The present work is concentrated on the estuarine and coastal open sea stations along the southwest coast of India. In order to get further insights into the abiotic factors governing bloom dynamics, the physicochemical parameters that regulated three particular bloom events during this period were studied. Bearing in mind the role of bacterial fauna associated with algal blooms as a biological factor in regulating its dynamics, isolation of bacteria associated with the algal blooms, their identification, enumeration, and ability to produce extracellular enzymes have been duly incorporated into this study

Fishery and biology of deep-sea chondrichthyans off the southwest coast of india

Elasmobranchs comprising sharks, skates and rays have traditionally formed an important fishery along the Indian coast. Since 2000, Indian shark fishermen are shifting their fishing operations to deeper/oceanic waters by conducting multi-day fishing trips, which has resulted in considerable changes in the species composition of the landings vis- a-vis those reported during the 1980’s and 1990’s. A case study at Cochin Fisheries Harbour (CFH), southwest coast of India during 2008-09 indicated that besides the existing gillnet–cum- hooks & line and longline fishery for sharks, a targeted fishery at depths >300-1000 m for gulper sharks (Centrophorus spp.) has emerged. In 2008, the chondrichthyan landings (excluding batoids) were mainly constituted by offshore and deep-sea species such as Alopias superciliosus (24.2%), Carcharhinus limbatus (21.1%), Echinorhinus brucus (8.2%), Galeocerdo cuvier (5.4%), Centrophorus spp. (7.3%) and Neoharriotta pinnata (4.2%) while the contribution by the coastal species such as Sphyrna lewini (14.8%), Carcharhinus sorrah (1.4%) and other Carcharhinus spp. has reduced. Several deep-sea sharks previously not recorded in the landings at Cochin were also observed during 2008-09. It includes Hexanchus griseus, Deania profundorum, Zameus squamulosus and Pygmy false catshark (undescribed) which have been reported for the first time from Indian waters. Life history characteristics of the major fished species are discussed in relation to the fishery and its possible impacts on the resource

Protease Production by haloarchaea Natrinema sp. BTSH10 isolated from salt pan of South India

The present study led to the recognition of Natrinema sp. BTSH 10 isolated from saltern ponds, as an ideal candidate species for production of gelatinase, which was noted as a halozyme capable of showing enzyme activity in the presence of 15% NaCl. Results obtained during the course of the present study indicated potential for application of this enzyme in industrial catalysis that are performed in the presence of high concentrations of salt. The enzyme characteristics noted with this gelatinase also indicate the scope for probable applications in leather industry, meat tenderization, production of fish sauce and soy sauce. Since halophilic proteases are tolerant to organic solvents, they could be used in antifouling coating preparations used to prevent biofouling of submarine equipments. The gelatinase from haloarchaea could be considered as a probable candidate for peptide synthesis. However, further studies are warranted on this haloarcheal gelatinase particularly on structure elucidation and enzyme engineering to suit a wide range of applications. There is immense scope for developing this halozyme as an industrial enzyme once thorough biochemistry of this gelatinase is studied and a pilot scale study is conducted towards industrial production of this enzyme under fermentation is facilitated. Based on the present study it is concluded that haloarchaea Natrinema sp. that inhabit solar saltern ponds are ideal source for deriving industrially important halozymes and molecular studies on enzymes are prerequisite for their probable industrial applications. This is the first time this species of archaea is recognized as a source of gelatinase enzyme that has potential for industrial applications.

AN APPRAISAL OF CORE SEDIMENT ARCHIVES ON ORGANOCHLORINE INSECTICIDES IN A TROPICAL ESTUARY, INDIA

Cochin University of Science And Technology

Sedimentology and Geochemistry of core sediments from the Ashtamudi estuary and the adjoining coastal plain,central Kerala,India

The evolution of coast through geological time scale is dependent on the transgression-regression event subsequent to the rise or fall of sea level. This event is accounted by investigation of the vertical sediment deposition patterns and their interrelationship for paleo-enviornmental reconstruction. Different methods like sedimentological (grain size and micro-morphological) and geochemical (elemental relationship) analyses as well as radiocarbon dating are generally used to decipher the sea level changes and paleoclimatic conditions of the Quaternary sediment sequence. For the Indian coast with a coastline length of about 7500 km, studies on geological and geomorphological signatures of sea level changes during the Quaternary were reported in general by researchers during the last two decades. However, for the southwest coast of India particularily Kerala which is famous for its coastal landforms comprising of estuaries, lagoons, backwaters, coastal plains, cliffs and barrier beaches, studies pertaining to the marine transgression-regression events in the southern region are limited. The Neendakara-Kayamkulam coastal stretch in central Kerala where the coast is manifested with shore parallel Kayamkulam Lagoon on one side and shore perpendicular Ashtamudi Estuary on the other side indicating existence of an uplifted prograded coastal margin followed by barrier beaches, backwater channels, ridge and runnel topography is an ideal site for studying such events. Hence the present study has been taken up in this context to address the gap area. The location for collection of core samples representing coastal plain, estuarylagoon and offshore regions have been identified based on published literature and available sedimentary records. The objectives of the research work are:  To study the lithological variations and depositional environments of sediment cores along the coastal plain, estuary-lagoon and offshore regions between Kollam and Kayamkulam in the central Kerala coast  To study the transportation and diagenetic history of sediments in the area  To investigate the geochemical characterization of sediments and to elucidate the source-sink relationship  To understand the marine transgression-regression events and to propose a conceptual model for the region The thesis comprises of 8 chapters. The first chapter embodies the preamble for the selection and significance of this research work. The study area is introduced with details on its physiographical, geological, geomorphological, rainfall and climate information. A review of literature, compiling the research on different aspects such as physico-chemical, geomorphological, tectonics, transgression-regression events are presented in the second chapter and they are broadly classified into three viz:- International, National and Kerala. The field data collection and laboratory analyses adopted in the research work are discussed in the third chapter. For collection of sediment core samples from the coastal plains, rotary drilling method was employed whereas for the estuary-lagoon and offshore locations the gravity/piston corer method was adopted. The collected subsurficial samples were analysed for texture, surface micro-texture, elemental analysis, XRD and radiocarbon dating techniques for age determination. The fourth chapter deals with the textural analysis of the core samples collected from various predefined locations of the study area. The result reveals that the Ashtamudi Estuary is composed of silty clay to clayey type of sediments whereas offshore cores are carpeted with silty clay to relict sand. Investigation of the source of sediments deposited in the coastal plain located on either side of the estuary indicates the dominance of terrigenous to marine origin in the southern region whereas it is predominantly of marine origin towards the north. Further the hydrodynamic conditions as well as the depositional enviornment of the sediment cores are elucidated based on statistical parameters that decipher the deposition pattern at various locations viz., coastal plain (open to closed basin), Ashtamudi Estuary (partially open to restricted estuary to closed basin) and offshore (open channel). The intensity of clay minerals is also discussed. From the results of radiocarbon dating the sediment depositional environments were deciphered.The results of the microtextural study of sediment samples (quartz grains) using Scanning Electron Microscope (SEM) are presented in the fifth chapter. These results throw light on the processes of transport and diagenetic history of the detrital sediments. Based on the lithological variations, selected quartz grains of different environments were also analysed. The study indicates that the southern coastal plain sediments were transported and deposited mechanically under fluvial environment followed by diagenesis under prolonged marine incursion. But in the case of the northern coastal plain, the sediments were transported and deposited under littoral environment indicating the dominance of marine incursion through mechanical as well as chemical processes. The quartz grains of the Ashtamudi Estuary indicate fluvial origin. The surface texture features of the offshore sediments suggest that the quartz grains are of littoral origin and represent the relict beach deposits. The geochemical characterisation of sediment cores based on geochemical classification, sediment maturity, palaeo-weathering and provenance in different environments are discussed in the sixth chapter. In the seventh chapter the integration of multiproxies data along with radiocarbon dates are presented and finally evolution and depositional history based on transgression–regression events is deciphered. The eighth chapter summarizes the major findings and conclusions of the study with recommendation for future work.

Population characteristics and taxonomy of lantern fishes of genus Diaphus (Family Myctophidae) off south west coast of India

Globally most of the conventional fish stocks have reached a state of optimum exploitation or even over-exploitation; efficient utilization of non-conventional resources is necessary to meet the supply-demand gap for protein supply. Mesopelagic fishes can be considered as one such promising resource for the future, if appropriate harvest and post-harvest technologies are developed. Increasing human population and increasing demand for cheaper food fishes has made myctophids a possible potential resource for future exploitation and utilization. Earlier studies indicated the abundance of Diaphus spp. in the eastern and northeastern Arabian Sea. The present study also indicates the dominance of Diaphus spp. in the deep sea trawling grounds of south west coast of India. Commercial viability of the myctophid fishing in the Indian waters has to be worked out. The present catch estimation is based on the Stratified Random Sampling Method from the landing data. As the coverage of sampling area was limited and the gear efficiency was not standardized, the data generated are not precise. A counter check for the estimates is also not possible due to the absence of comparable works in the study area. Fish biomass estimation by acoustics survey coupled with direct fishing would only confirm the accuracy of estimates. Exploratory surveys for new fishing areas to be continued, for gathering the distribution, abundance, biological and ecological data and map the potential fishing ground on a GIS platform and the data should be provided to the commercial entrepreneurs. Generally non-conventional and non-targeted resources are under low fishing pressure and exploitation rates. Low values of fishing mortality and exploitation rates indicate that removal from the stock by fishing was only nominal from the present fishing grounds. The results indicate that the stock is almost at virgin state and remains grossly underexploited. Since the extent of distribution and abundance of the stock in the ecosystem remains to be ascertained, sustainable yield could not be estimated. Also the impact of myctophids harvest, on other commercially important fishes, has to be studied.

Impact of the Sanitary and Phyto Sanitary Agreement on the Exports of Marine Products from India with Special Reference to Kerala

Fish and fishery products are regarded as healthy foods and there has been a significant increase in their global trade. Besides that, trade liberalization policies, globalization of food systems and technological innovations have furthered the increase in international trade in fish and fishery products.Fish and fishery product exports have a significant place in the export basket of India. Export earnings of India from fishery products increased from ` 4 crores in 1960-61to ` 12901.47 crores in 2010-11(MPEDA, 2012). The share of export earnings from fish and fishery products as a percentage of total agricultural exports of India increased from a low of 1.76 percent in 1960-61 to a high of 25.06 percent in 1994-95. But its share declined to 16.60 percent in the following year. Though its share in agricultural exports of the country has declined since then, in 2010-11, marine product exports accounted for 9.61 percent of total agricultural exports of India representing a significant share.

Shifting cultivation and forest resources in Nagaland, N.-E. India

Die vorliegende Studie befasst sich mit der Ressourcennachhaltigkeit der traditionellen, auf Wanderfeldbau beruhenden Subsistenzwirtschaft in zwei Dörfern (Hongphoy und Minyakshu) in Nagaland im Nordosten Indiens. Hierbei werden die Cerealien Produktion, der Feuerholz Konsum und auch die Folgen der intensivierten Bewirtschaftung (Forstdegradation und Bodenverarmung) im Hinblick auf das Bevölkerungswachstum diskutiert. Während das traditionelle System des Wanderfeldbaus (Jhum) seit Jahrzehnten die Bedürfnisse der ehemals kopfjagenden Stämme Nagalands erfüllte, ergab unsere Studie durch Interviews und Feldaufnahmen in 2004 und 2005, dass die steigende Nachfrage einer wachsenden Bevölkerung nach Cerealien und Feuerholz als wichtigste Ressourcen der Subsistenzwirtschaft zu einer verkürzten Brachezeit und letztlich der Degradation von Naturressourcen geführt hat: Pro Hektar Ernten sind reduziert und der Zuwachs der Holzvorräte auf den Feldern kann durch die verkürzten Bracheperioden nicht mehr die Feuerholz Nachfrage decken. Eine Nahrungsmittelknappheit wurde durch die Gegenüberstellung des Energiebedarfs einer Person und die jährlichen pro-Kopf Erntemengen und unter Berücksichtigung des Zukaufs von Reis reflektiert: In Hongphoy ergab dies ein Defizit auf Dorfebene von 130 Tonnen Reis, in Minyakshu von 480 Tonnen, die nicht durch Ernten gedeckt werden konnten. Diese Nahrungsmittelknappheit erweist sich vor allem vor dem Hintergrund eines Bevölkerungswachstums von 6.7% und marginalen Einkünften als problematisch. Für fünf verschiedene Waldformationen (zwei Brachewälder, zwei Dorfwälder und ein Naturwald) wurden die unterschiedliche Artenzusammensetzung (Diversität) und Bestandesvolumina durch Forstinventuren beschrieben. Der dem Bestandesvolumen der Brachewälder gegenübergestellte pro-Kopf Feuerholz Bedarf ergab ein jährliches Defizit von 1,81m³ in Hongphoy und 0.05m³ in Minyakshu. Der Unterschied dieses Defizits zwischen beiden Dörfern wurde in einer abweichenden Bestandesstruktur (Dominanz der N2 fixierenden Baumart Alnus nepalensis in den Brachewäldern Minyakshus) begründet. Über den erhobenen Feuerholzbedarf wurde ein theoretischer pro-Kopf Flächenbedarf an Brachewald errechnet, der nötig wäre um den gesamten Feuerholz Bedarf innerhalb des Wanderfeldbau Systems zu decken. Das daraus resultierende Defizit wurde mit den Feuerholzvolumina der Dorfwälder und des verbliebenen Naturwalds gegenüber gestellt. Hieraus ergibt sich die Bedeutung der Feuerholzernte und des Wanderfeldbau als Ursache für die fortschreitende Entwaldung und Forstdegradation in Nagaland. Mit Hilfe dieser Informationen und aktuellen Angaben zum Bevölkerungswachstum werden die Ergebnisse anhand einschlägiger Literatur diskutiert und letztendlich die Nachhaltigkeit und Tragfähigkeit des Wanderfeldbau Systems in dieser Region bestimmt. Mögliche Verbesserungsstrategien um der zunehmenden Ressourcendegradation zu begegnen, werden andiskutiert.

Resource use pattern and agroecosystem functioning in Rawanganga micro-watershed in Garhwal Himalaya, India

Agro-ecological resource use pattern in a traditional hill agricultural watershed in Garhwal Himalaya was analysed along an altitudinal transect. Thirty one food crops were found, although only 0.5% agriculture land is under irrigation in the area. Fifteen different tree species within agroforestry systems were located and their density varied from 30-90 trees/ha. Grain yield, fodder from agroforest trees and crop residue were observed to be highest between 1200 and 1600 m a.s.l. Also the annual energy input- output ratio per hectare was highest between 1200 and 1600 m a.s.l. (1.46). This higher input- output ratio between 1200-1600 m a.s.l. was attributed to the fact that green fodder, obtained from agroforestry trees, was considered as farm produce. The energy budget across altitudinal zones revealed 95% contribution of the farmyard manure and the maximum output was in terms of either crop residue (35%) or fodder (55%) from the agroforestry component. Presently on average 23%, 29% and 41% cattle were dependent on stall feeding in villages located at higher, lower and middle altitudes respectively. Similarly, fuel wood consumption was greatly influenced by altitude and family size. The efficiency and sustainability of the hill agroecosystem can be restored by strengthening of the agroforestry component. The approach will be appreciated by the local communities and will readily find their acceptance and can ensure their effective participation in the programme.

Water Resource Pollution and Impacts on the local livelihood: A case study of Beas River in Kullu District, India

The rivers are considered as the life line of any country since they make water available for our domestic, industrial and recreational functions. The quality of river water signifies the health status and hygienic aspects of a particular region, but the quality of these life lines is continuously deteriorating due to discharge of sewage, garbage and industrial effluents into them. Thrust on water demand has increased manifolds due to the increased population, therefore tangible efforts to make the water sources free from pollution is catching attention all across the globe. This paper attempts to highlight the trends in water quality change of River Beas, right from Manali to Larji in India. This is an important river in the state of Himachal Pradesh and caters to the need of water for Manali and Kullu townships, besides other surrounding rural areas. The Manali-Larji Beas river stretch is exposed to the flow of sewage, garbage and muck resulting from various project activities, thereby making it vulnerable to pollution. In addition, the influx of thousands of tourists to these towns also contributes to the pollution load by their recreational and other tourist related activities. Pollution of this river has ultimately affected the livelihood of local population in this region. Hence, water quality monitoring was carried out for the said stretch between January, 2010 and January, 2012 at 15 various locations on quarterly basis, right from the upstream of Manali town and up to downstream of Larji dam. Temperature, color, odor, D.O. , pH, BOD, TSS, TC and FC has been the parameters that were studied. This study gives the broad idea about the characteristics of water at locations in the said river stretch, and suggestions for improving water quality and livelihood of local population in this particular domain.

Drinking water issues in Rural India: Need for stakeholders’ participation in Water resources management

Water is the very essential livelihood for mankind. The United Nations suggest that each person needs 20-50 litres of water a day to ensure basic needs of drinking, cooking and cleaning. It was also endorsed by the Indian National Water Policy 2002, with the provision that adequate safe drinking water facilities should be provided to the entire population both in urban and in rural areas. About 1.42 million rural habitations in India are affected by chemical contamination. The provision of clean drinking water has been given priority in the Constitution of India, in Article 47 conferring the duty of providing clean drinking water and improving public health standards to the State. Excessive dependence of ground water results in depletion of ground water, water contamination and water borne diseases. Thus, access to safe and reliable water supply is one of the serious concerns in rural water supply programme. Though government takes certain serious steps in addressing the drinking water issues in rural areas, still there is a huge gap between demand and supply. The Draft National Water Policy 2012 also states that Water quality and quantity are interlinked and need to be managed in an integrated manner and with Stakeholder participation. Water Resources Management aims at optimizing the available natural water flows, including surface water and groundwater, to satisfy competing needs. The World Bank also emphasizes on managing water resources, strengthening institutions, identifying and implementing measures of improving water governance and increasing the efficiency of water use. Therefore stakeholders’ participation is viewed important in managing water resources at different levels and range. This paper attempts to reflect up on portray the drinking water issues in rural India, and highlights the significance of Integrated Water Resource Management as the significant part of Millennium Development Goals, and Stakeholders’ participation in water resources management.

Wastewater usage in urban and peri-urban agricultural production systems: scenarios from India

The role urban and peri-urban agriculture (UPA) plays in reducing urban poverty and ensuring environmental sustainability was recognized by the Millennium Development Goals (MGDs). India is the world’s largest democratic nation with a population of 1.2 billion. The rapid urbanization and high proportion of people below the poverty line along with higher migration to urban areas make India vulnerable to food crisis and urbanization of poverty. Ensuring jobs and food security among urban poor is a major challenge in India. The role of UPA can be well explained and understood in this context. This paper focuses on the current situation of UPA production in India with special attention to wastewater irrigation. This question is being posed about the various human health risks from wastewater irrigation which are faced by farmers and labourers, and, secondly by consumers. The possible health hazards involve microbial pathogens as well as helminth (intestinal parasites). Based on primary and secondary data, this paper attempts to confirm that UPA is one of the best options to address increasing urban food demand and can serve to complement rural supply chains and reduce ecological food prints in India. “Good practice urban and peri-urban agriculture” necessitates an integrated approach with suitable risk reduction mechanisms to improve the efficiency and safety of UPA production.

Reforming Cooperative Credit Structure in India for Financial Inclusion

In the drive for financial inclusion in India, cooperative banks assume prime importance as they are much more accessible to the rural poor than commercial banks. While more accessible, cooperative banks' financial health is rather poor and, therefore, might not be able to serve the needy in a sustained manner. A committee led by Prof. Vaidyanathan has outlined a revival package for cooperatives. Besides suggesting an infusion of funds, it called for the adherence to certain stringent norms to ensure the financial viability. The recommendations provided in the committee’s report are under various stages of implementation in India. The book examines the progress of this reform drive in Bihar, a state in Eastern India. It discusses the background for appointing the committee and its recommendations and also presents the findings of a field study conducted in this regard. The findings inform further policy suggestions which are of general interest to the drive for financial inclusion also in other countries.