CBS LINE

   CBS LINE CBS-SEBI Training on Advanced Financial Literacy Yields Statistically Significant Gains in Participant Knowledge In an era of increasing financial complexity, financial literacy has emerged as an indispensable life skill. The ability to navigate personal finances, whether through budgeting, saving, or investing, plays a critical role in shaping the economic well-being of individuals. A financially literate person can be better positioned to make informed decisions, steer clear of debt and fraudulent schemes, and build a stable and secure future. Recognising this imperative, the Centre for Budget Studies (CBS), CUSAT, organised an online training programme on Advanced Financial Literacy on 20 May 2026. Female 71% Male 29% Figure 1 The session was conducted by Ms Himani Lath, SEBI Smart Trainer, in association with the Securities and Exchange Board of India (SEBI). The training brought together a diverse group of participants, of whom...

Advanced Financial Literacy session May 20 , 2026 The Centre for Budget Studies (CBS), in association with SEBI and Cochin University of Science and Technology (CUSAT), organized an online training programme on “Advanced Financial Literacy” on May 20, 2026. The session was led by Ms. Himani Lath, SEBI SMART Trainer, who provided participants with valuable insights into personal finance, investment planning, savings strategies, and financial awareness. The programme aimed to enhance financial knowledge among students and encourage informed financial decision-making. Through interactive discussions and practical examples, the session helped participants understand the importance of financial literacy in today’s economic environment. Internship Season 3 May 1st , 2026 The Centre for Budget Studies (CBS), Cochin University of Science and Technology (CUSAT)...

  CBS LINE Volume 4(5) Prof. M K Sukumaran Nair Former director of Centre for Budget Studies 1.Kerala is often recognized for its achievements in education, healthcare, and social welfare, yet concerns regarding unemployment, migration, and fiscal stress continue to grow. From your perspective, what structural changes are most essential for sustaining Kerala’s development model in the coming decades? Respondent: Traditionally, Kerala's developmental success has been concentrated in its social sectors. The state has lagged in industrialization and agriculture; its industrial performance remains inadequate, while the agricultural sector has virtually stagnated or declined. Although the services sector has surged, low-value-added services account for most of this growth. Instead, foreign remittances have acted as the primary economic escalator. However, because these remittances are highly vulnerable to external economic shocks, the sustainable way forward f...

CBS LINE Volume 4(5) Cultural Infrastructure as a Foundation for Social Wellbeing Dr. Praveena K Assistant Professor Department of Economics, NSS College, Cherthala Cultural infrastructure has become an essential part of sustainable development in today’s world which is characterised by fast urbanization, globalization, and technological growth. The significance of cultural infrastructure is fetching more widely acknowledged, even though governments regularly give priority to physical infrastructure like roads, bridges, and digital networks. Cultural infrastructure, at its most basic, is the support system for a community’s cultural life (Sustainability Directory). It includes the physical and institutional spaces—such as museums, libraries, theatres, art galleries, historical sites, cultural centres, and performance venues which facilitate cultural activities. These places support social inclusion, endorse innovation, protect cultural heritage, and greatly advance economic growth. Inv...

  CBS LINE Volume 4(5) Shifting Leaves from Wet to Dry: A Short Story of Climate Change in the Western Ghat Mountains of South India Rahul N R Research Scholar Centre for Budget Studies, CUSAT The Western Ghats are a string of evergreen mountain ranges that extends from the Satpura range of Gujarat to the Nilgiris of Tamil Nadu. It lies along the western coast, facing the Arabian Sea. The Ghats are widely known for their steep slopes and deep valleys. The mountain ranges have unique, ecologically sensitive landscapes: diverse forests, rivers, and waterfalls. These features support a major share of the world’s richest biodiversity, including numerous endemic species found nowhere else. Monsoon rainfall keeps the mountains green and fertile, helping sustain ecosystems year after year. Approximately 30% of India’s plant species are found in the Western Ghats, and 70% of this flora has medicinal value. Agriculture is the backbone of many local livelihoods. Fertile valleys and heavy m...

  CBS LINE Volume 4(5) Consumer Impulse Buying Behavior: A Study Based on Empirical Findings Niyafa Nasreen M A Economics Farook College Consumer impulse buying behavior refers to unplanned and spontaneous purchases driven by emotional, psychological, and environmental factors. In the modern era, impulse buying has increased significantly due to advancements in marketing strategies, digital platforms, and changing consumer lifestyles. Businesses actively design retail environments and promotional strategies to stimulate such behavior. The present study reveals that impulse buying is more prevalent among younger individuals, especially students, who are highly exposed to social and digital influences. Their engagement with trends, technology, and peer groups increases their tendency to make spontaneous purchases. Gender differences are also evident, with female consumers showing a relatively higher inclination toward impulse buying compared to males. Similarly, unmarried individ...

CBS LINE Volume 4(5) 🏛️ ECONOMIC POLICY 👑 Gold import duty hiked: 6% → 15% 🤝 US-India tariffs: 50% → 18% (deal progressing) 👉 Do this: Don't buy gold now. Exporters: find new markets. 💳 FINTECH 🏦 Freo acquires IndiaLends – 50M+ user platform 🤖 AI to unlock $130-170B MSME credit gap 📉 Crypto ban likely – 6-month exit window expected 👉 Do this: Compare loan rates. Crypto holders: prepare to exit 🌍 INTERNATIONAL ECONOMICS 🛢️ Brent crude near $106 – Strait of Hormuz blocked ⛽ Petrol now ₹97.77, diesel ₹90.67 (₹3 hike) 👉 Do this: Carpool. Use public transport. Save fuel 📊 MACRO UPDATE 🏦 RBI holds repo at 5.25% 📈 WPI at 8.3% (42-month high) | CPI at 3.48% 💸 Rupee at 96 per dollar (record low) 🥛 Milk +₹3/litre | Heatwave + power shortage 👉 Do this: Kill credit card debt. Lock home loans. Expect higher food & power bills Roshni Thayyil Msc Econometrics and Financial Technology

CBS LINE Volume 4(5) Nandumon Sabu & Merin George MSc in Econometrics and Finanacial Technology

   CBS LINE Volume 4(5) Quiz Corner Start Quiz Manjima E R MSc in Econometrics and Financial Technology Previous Next Your Score: /10 Restart