SMART Journal of Business management Studies is a unique research Journal of contemporary business management studies. It is a PROFESSIONAL, REFEREED INTERNATIONAL AND INDEXED JOURNAL devoted to the analysis and portrayal of development in business management, banking and information technology. SMART Journal publishes only research articles which are subjected to BLIND REVIEW. Our mission is to examine diverse aspects of rapid changes taking place in the aforesaid areas. The Journal plans to stimulate and develop future debate on areas of topical concern. The Journal contains articles/ scholarly features covering a wide spectrum and encompassing a broad canvas of business management issues. It will lend a new perspective to throw light on hitherto unexplored areas of the subjects and convert them into subjects for critical study. The policy of the journal is to publish papers, articles, reviews, case studies etc., which provide an objective analysis based on scientific concepts, empirical research and factual data and operational facts of business management, banking and informational technology. The journal thus intends to improve communication between communities and practitioners of corporate bodies, financial institutions, banks, etc., who are responsible for operational and policy decisions. It is a Biannual Journal published in January and July every year. The Journal will be useful to bankers, industrialists, professionals, teachers, researchers and students. The Journal has no particularistic affiliation or orientation and is designed exclusively to serve the entire mankind with special reference to the issues of global business management. The main aim of the Journal is to enhance understanding among countries of the region and beyond. It is dedicated to the promotion and development of research in general and in the field of business management in particular. The contents and abstracts can be freely viewed but a subscription is needed for full text. SMART Journal has ISSN 0973-1598 (Print), 2321-2012 (online). Besides, it is registered with the Registrar of News Papers for India,New Delhi,Regd No.TNENG/2005/15967.Our Editorial office verifies the structuring the articles at initial stage. After that, the article is referred to two subject experts for reviews and recommendations. Based on the recommendations of the experts, article will be published.