SMART Journal of Business Management Studies is a PROFESSIONAL REFEREED INTERNATIONAL AND INDEXED JOURNAL in which research articles are published subject to BLIND REVIEW. It is a professional journal devoted to the analysis and portrayal of development in business management, banking and information technology. The journal plans to stimulate and develop future debate on areas of topical concern.

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.

Subscription Rates	India		Abroad
	One year (Two Issues)	Two years (Four Issues)	One year (Two Issues)	Two years (Four Issues)
Institution	Rs.1400	Rs.2500	USD 140	USD 250
Individual	Rs.1000	Rs.1750	USD 100	USD 150

All are requested to send their subscription at the earliest convenience. Please send a demand draft payable in favour of Scientific Management and Advanced Research Trust payable at Tiruchirappalli, Tamil Nadu, India or pay into Savings Bank Account of the Scientific Management and Advanced Research Trust with State Bank of India, Bharathidasan University Branch, Tiruchirappalli - 620 024, Tamil Nadu, India (A/c No: 39340306216, IFSC Code: SBIN0007014, Branch Code: 07014, SWIFT: SBININBB467). The Non Indians / NRIs should pay their subscription equivalent in value to Indian rupees. The SMART Journal will be despatched to the subscriber only on the receipt of scanned copy of counterfoil for Bank payment/Demand Draft.

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Please send your subscription request to

Managing Trustee
Scientific Management and Advanced Research Trust (SMART)
150, Kalyasundaram Nagar, Airport –P.O, Tiruchirappalli-620 007
Tamil Nadu, India

OR

Chief Editor
SMART Journal of Business Management Studies
150, Kalyasundaram Nagar, Airport –P.O, Tiruchirappalli-620 007
Tamil Nadu, India