FMCG IDEA TO SHELF

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Author :
Publisher : Ganesh Janarthanan
ISBN 13 :
Total Pages : 178 pages
Book Rating : 4./5 ( download)

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Book Synopsis FMCG IDEA TO SHELF by : Ganesh Janarthanan

Download or read book FMCG IDEA TO SHELF written by Ganesh Janarthanan and published by Ganesh Janarthanan. This book was released on 2023-12-09 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt: “FMCG Idea to Shelf” is a comprehensive guide that takes aspiring entrepreneurs, business owners, and FMCG (Fast-Moving Consumer Goods) enthusiasts on an insightful journey towards successfully launching their own FMCG business. This book provides a practical, step-by-step approach to help readers navigate the complex landscape of the FMCG industry, offering valuable tools and real case studies to illustrate key concepts. In this book, readers will discover a wealth of knowledge on every stage of the FMCG business launch process. Starting with the initial ideation phase, the author emphasizes the importance of conducting thorough market research to identify potential gaps and consumer demands. Through detailed examples and case studies, readers learn how to develop a winning product idea and create a compelling brand identity. Once the product concept is established, FMCG Idea to Shelf walks readers through the intricacies of product development, including sourcing suppliers, managing production, and ensuring quality control. The author shares practical advice on packaging design, pricing strategies, and creating a strong distribution network. Crucial topics like supply chain management, inventory control, and regulatory compliance are covered briefly, empowering readers to tackle the operational challenges of an FMCG business. What sets this book apart is its emphasis on real case studies. Readers are provided with a collection of diverse examples of successful FMCG businesses, showcasing different strategies and approaches taken by entrepreneurs to overcome obstacles and achieve growth. These case studies offer invaluable insights and inspire readers to apply similar principles to their own ventures. Additionally, “FMCG Idea to Shelf” equips readers with practical tools and frameworks that can be readily applied to any FMCG business. From financial modelling to marketing strategies and customer acquisition tactics, readers gain access to a toolkit designed to maximize their chances of success. Whether you're a novice entrepreneur or an experienced professional looking to enter the FMCG industry, “FMCG Idea to Shelf” provides a comprehensive roadmap to guide you from the initial idea to successfully launching your own FMCG business. With its blend of theoretical knowledge, practical tools, and real-world case studies, this book is an indispensable resource for anyone passionate about FMCG entrepreneurship.

FMCG 10X SALES MASTERY

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Author :
Publisher : Ganesh Janarthanan
ISBN 13 :
Total Pages : 221 pages
Book Rating : 4./5 ( download)

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Book Synopsis FMCG 10X SALES MASTERY by : Ganesh Janarthanan

Download or read book FMCG 10X SALES MASTERY written by Ganesh Janarthanan and published by Ganesh Janarthanan. This book was released on 2024-02-22 with total page 221 pages. Available in PDF, EPUB and Kindle. Book excerpt: Dive into the world of FMCG business and unlock the secrets to achieving remarkable sales growth with FMCG 10X SALES MASTERY. This comprehensive guide is tailor-made for aspiring entrepreneurs, seasoned business owners, FMCG professionals, and enthusiasts alike, offering a practical roadmap to understand and scale FMCG ventures to unprecedented heights using distributorship mastery and data-driven strategies. Within the pages of this book, readers will embark on a journey through every stage of FMCG business expansion. From meticulously identifying distributors to conducting market research to pinpoint consumer demands, the author underscores the vital importance of thorough groundwork. ‘FMCG 10X SALES MASTERY' navigates readers through the complexities of downstream supply chain processes, market penetration techniques, and effective scaling strategies. Offering actionable advice, the author delineates key performance indices and measures for both salespersons and distributors, illuminating pathways to success in the competitive FMCG landscape. What distinguishes this book is its rich repository of real case studies. Drawing from a diverse array of successful FMCG businesses, these case studies exemplify various strategies and approaches employed by entrepreneurs to surmount challenges and foster growth. By showcasing these examples, readers gain invaluable insights and are inspired to apply similar principles to their own ventures. Moreover, ' FMCG 10X SALES MASTERY’ arms readers with practical tools and frameworks readily applicable to any FMCG enterprise. From billing tools to AWS Quick Sight for data visualization, these resources empower strategic decision-making to propel FMCG businesses forward. Whether you are a novice entrepreneur or a seasoned professional in the FMCG industry, this book offers a comprehensive roadmap to scale your FMCG business.

FMCG: The Power of Fast-Moving Consumer Goods

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Author :
Publisher : First Edition Design Pub.
ISBN 13 : 1622876474
Total Pages : 525 pages
Book Rating : 4.6/5 (228 download)

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Book Synopsis FMCG: The Power of Fast-Moving Consumer Goods by : Greg Thain

Download or read book FMCG: The Power of Fast-Moving Consumer Goods written by Greg Thain and published by First Edition Design Pub.. This book was released on 2014-07-11 with total page 525 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is a history of the some of the world's most famous brands, from humble beginnings to current exalted status, from smudged, kitchen-table pamphlets to $ multi-million ad campaigns, from backyard experiments to global research. It examines the most recent developments in these glittering trajectories and reveals the very DNA of the brands themselves. Is it mastery of absorbency, the virtuoso integration of acquisitions, developing incomparable consumer trust, the ability to think in decades? All is revealed. If you work in Retail, FMCG, Marketing or Consumer Goods, this is a must–read book. Keywords: FMCG , History, Manufactures, Brands, Innovation, Global, Consumer, Retail, Market, Emerging Markets, Coke, Colgate-Palmolive, Danone, Dean Foods, Estée Lauder, General Mills, Heinz, Henkel, Kellog, Kimberly-Clark, Kraft, L'Oréal, Mars, Nestlé, Procter & Gamble, Pepsi, Reckitt Benckiser, Unilever

NEW PRODUCT DEVELOPMENT-A FMCG PERSPECTIVE

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Author :
Publisher : Notion Press
ISBN 13 : 1947429728
Total Pages : 241 pages
Book Rating : 4.9/5 (474 download)

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Book Synopsis NEW PRODUCT DEVELOPMENT-A FMCG PERSPECTIVE by : Dr K Rajeshwari

Download or read book NEW PRODUCT DEVELOPMENT-A FMCG PERSPECTIVE written by Dr K Rajeshwari and published by Notion Press. This book was released on 2017-07-17 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: New Product Development-FMCG Perspective is the first of its kind in the Indian context. It helps students, academicians and corporate personnel alike in developing and launching new products in the marketplace. The following aspects are covered: • How does one develop new products? • What are the methods to measure the success of new products? • How is developing new products in an entrepreneurial company different? • What are the key factors that contribute to the success of new products in the marketplace? The author’s fifteen years of experience in the FMCG industry have contributed to the content for this book.

Marketing and Branding

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Author :
Publisher : Pearson Education India
ISBN 13 : 9788131700976
Total Pages : 500 pages
Book Rating : 4.7/5 (9 download)

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Book Synopsis Marketing and Branding by : S. Ramesh Kumar

Download or read book Marketing and Branding written by S. Ramesh Kumar and published by Pearson Education India. This book was released on 2007 with total page 500 pages. Available in PDF, EPUB and Kindle. Book excerpt:

How to Save the FMCG Industry

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Author :
Publisher : Springer Nature
ISBN 13 : 3030929868
Total Pages : 250 pages
Book Rating : 4.0/5 (39 download)

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Book Synopsis How to Save the FMCG Industry by : Chris Leach

Download or read book How to Save the FMCG Industry written by Chris Leach and published by Springer Nature. This book was released on 2022-03-23 with total page 250 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the fast-moving consumer goods industry (FMCG), collaboration is often cited as the logical way for suppliers and retailers to create value. Yet, suppliers' experience has shown that doesn’t always happen, due in large part to the power of the retailer and a focus on the short term. In the last thirty years the industry has seen rapid change, with the growth of discounters, online shopping and consolidation of retailers. These changes have brought more opportunities to the industry but also more complexity, challenges and costs to manage for both sides. It’s no secret that retailers have sought to leverage their increasing power with suppliers with never ending discussions of cost reduction, while suppliers attempt to engage them with discussions for longer term growth. This results in tension, with the retailer interested in short term activity and the supplier interested in supporting medium term growth. How can these two parties work together to deliver value to the consumer and shopper and ultimately, support the industry? This book presents first-hand research on how to navigate through these challenges. It identifies new and relevant tools and techniques to develop better, and more valuable collaboration between retailers and suppliers in today’s challenging markets. In this notoriously secretive industry, the full value and opportunities of collaboration between retailer and supplier has yet to be fully accomplished. Traditional ways of working need to change if the industry has a chance of succeeding into the 21st century. With case studies, examples and practical frameworks, this book a brings a focus onto the industry, whilst at the same time providing implementable ideas, suggestions and solutions to improve value creation in this business-to-business context.

Basic Concept of Merchandise

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Author :
Publisher : Leilani Katie Publication
ISBN 13 : 8197059470
Total Pages : 310 pages
Book Rating : 4.1/5 (97 download)

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Book Synopsis Basic Concept of Merchandise by : Mrs. S. Nazira Begum

Download or read book Basic Concept of Merchandise written by Mrs. S. Nazira Begum and published by Leilani Katie Publication. This book was released on 2024-02-29 with total page 310 pages. Available in PDF, EPUB and Kindle. Book excerpt: Mrs. S. Nazira Begum, Assistant Professor, Department of Commerce PA, KG College of Arts & Science, Coimbatore,Tamil Nadu, India. Dr. A. Vennila, Assistant Professor, Department of Commerce PA, Avinashilingam Institute for Home Science and Higher Education for Women, Coimbatore, Tamil Nadu, India. Mrs. M. Jayanthi, Assistant Professor, Department of Commerce PA, KG College of Arts and Science, Coimbatore, Tamil Nadu, India.

FMCG Selling

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Author :
Publisher : John Wiley & Sons
ISBN 13 : 1841125040
Total Pages : 110 pages
Book Rating : 4.8/5 (411 download)

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Book Synopsis FMCG Selling by : Leo Gough

Download or read book FMCG Selling written by Leo Gough and published by John Wiley & Sons. This book was released on 2004-01-16 with total page 110 pages. Available in PDF, EPUB and Kindle. Book excerpt: The sales function is the front-line of any business. Keeping up with the latest sales techniques is essential, as well as ensuring you have a motivated, incentivised and focused sales team well-versed in the basics of selling, from identifying new prospects and getting repeat business to closing the deal. This module gives essential insight into all the key sales drivers such as account management, handling complex sales, selling services, FMCG selling, customer relationships and self-development for sales people.

Retailization

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Author :
Publisher : Kogan Page Publishers
ISBN 13 : 0749448733
Total Pages : 240 pages
Book Rating : 4.7/5 (494 download)

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Book Synopsis Retailization by : Lars Thomassen

Download or read book Retailization written by Lars Thomassen and published by Kogan Page Publishers. This book was released on 2006-05-03 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: In perhaps the most creative and authoritative book on selling brands ever written, international business experts Keith Lincoln, Anthony Aconis and Lars Thomassen, reveal how the world's most successful brands sell themselves to today's increasingly demanding shoppers and retailers. As the world of mass communications evolves into the world of media of the masses the very concept of the brand is transforming - from branding to the shelf to branding from the shelf. Two years in the analysis Retailization is the largest study ever conducted on how corporations and their brands are dealing (or not dealing) with this new era. The study covering over twenty countries worldwide and interviews with some of the leading brand marketers has drawn on countless examples of both creative execution and retail impact. Retailization shows how to establish a business approach that can better meet the needs of today's shopping Kings and Queens by creating and activating revolutionary selling situations. The central thesis of this book is that corporations must undertake nothing less than a radical reinvention of how they reach their customers to sell their products. The shelf where products are sold is the new centre of the business and communications universe. The answer to how to get the most from this change lies in a radically new business philosophy - RETAILIZATION. Retailization presents an innovative and pragmatic step by step process to help businesses rethink, reimagine and restructure their entire business and brand efforts around the retail strategies and executions that can better meet the needs of today's shopping Kings and Queens. Research shows that we have as little as four seconds to get a shopper's attention. The authors explain what you need to do to guarantee that you own that four seconds from understanding your competitive arena and context to understanding the nature of today's shopper. From there they explain how you can optimize the creation of your products, your retail impact and your communications. Finally, they demonstrate how to activate the process through retailizing your entire organization from top to bottom and we how to verify the results.

GREAT IDEAS TO Boost Your Buisness

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Author :
Publisher : Sterling Publishers Pvt. Ltd
ISBN 13 : 9788120743083
Total Pages : 364 pages
Book Rating : 4.7/5 (43 download)

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Book Synopsis GREAT IDEAS TO Boost Your Buisness by : Kirti C. Desai

Download or read book GREAT IDEAS TO Boost Your Buisness written by Kirti C. Desai and published by Sterling Publishers Pvt. Ltd. This book was released on 2009 with total page 364 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Rural Marketing strategies for FMCG products

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Author :
Publisher : Lulu.com
ISBN 13 : 1365038874
Total Pages : 299 pages
Book Rating : 4.3/5 (65 download)

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Book Synopsis Rural Marketing strategies for FMCG products by : Dr. Pritesh Shukla

Download or read book Rural Marketing strategies for FMCG products written by Dr. Pritesh Shukla and published by Lulu.com. This book was released on 2016-06-10 with total page 299 pages. Available in PDF, EPUB and Kindle. Book excerpt: The rural market is an area of darkness to Indian entrepreneurs. The Indian rural market, with its vast size and demand base, offers great opportunities to marketers.

IIFT Entrepreneurs

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Author :
Publisher : Blue Rose Publishers
ISBN 13 :
Total Pages : 104 pages
Book Rating : 4./5 ( download)

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Book Synopsis IIFT Entrepreneurs by : Sheetal Kakkar

Download or read book IIFT Entrepreneurs written by Sheetal Kakkar and published by Blue Rose Publishers. This book was released on 2024-05-10 with total page 104 pages. Available in PDF, EPUB and Kindle. Book excerpt: In their inaugural book venture, Sheetal and Vibhu, esteemed LinkedIn influencers and adept writers, embark on a narrative journey. Their maiden work holds particular significance as they delve into the inspiring entrepreneurial odysseys of their alma mater's alumni. Conceived on a fine day at the Indian Institute of Foreign Trade's Delhi campus, their discussion centered on immortalizing these narratives and nurturing the spirit of entrepreneurship among IIFTians through their writing endeavor. As they sow the seeds of creative exploration, they aspire for their book to ignite conversations, stimulate thought, and incite change, resonating deeply with readers. "IIFT Entrepreneurs" endeavors to distill the wisdom of seven accomplished entrepreneurs who have left an indelible mark in the dynamic realm of startups.

The Retail Value Chain

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Author :
Publisher : Kogan Page Publishers
ISBN 13 : 0749455799
Total Pages : 384 pages
Book Rating : 4.7/5 (494 download)

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Book Synopsis The Retail Value Chain by : Sami Finne

Download or read book The Retail Value Chain written by Sami Finne and published by Kogan Page Publishers. This book was released on 2008-12-03 with total page 384 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Retail Value Chain analyses the changes in the retail industry such as internationalization and consolidation and looks at the strategic options open to companies. It covers retail structures, efficient consumer response, partnerships in retail value chains, demand management, store operations, IT trends, loyalty programmes, shopper information sharing and more. In addition to providing useful insights into why retail operates the way it does, The Retail Value Chain describes the key concepts of Efficient Consumer Response (ECR) and provides several illustrative cases to demonstrate the results. As such, it is essential reading for both retail practitioners and students of retail and channel marketing.

Entrepreneur’s Start-Up Handbook: Manufacturing of Profitable Household (FMCG) Products with Process & Formulations (2nd Revised Edition)

Download Entrepreneur’s Start-Up Handbook: Manufacturing of Profitable Household (FMCG) Products with Process & Formulations (2nd Revised Edition) PDF Online Free

Author :
Publisher : ASIA PACIFIC BUSINESS PRESS Inc.
ISBN 13 : 8178331640
Total Pages : 368 pages
Book Rating : 4.1/5 (783 download)

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Book Synopsis Entrepreneur’s Start-Up Handbook: Manufacturing of Profitable Household (FMCG) Products with Process & Formulations (2nd Revised Edition) by : NPCS Board of Consultants & Engineers

Download or read book Entrepreneur’s Start-Up Handbook: Manufacturing of Profitable Household (FMCG) Products with Process & Formulations (2nd Revised Edition) written by NPCS Board of Consultants & Engineers and published by ASIA PACIFIC BUSINESS PRESS Inc.. This book was released on 2018-03-03 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt: " ‘Startup India, Stand-up India’ “Can India be a ‘Startup Capital’? Can the youth in the states have the opportunities in the form of start-ups, with innovations, whether it be manufacturing, service sector or agriculture? --- Narendra Modi, Prime Minister of India Startup India Stand up Our Prime Minister unveiled a 19-point action plan for start-up enterprises in India. Highlighting the importance of the Standup India Scheme, Hon’ble Prime minister said that the job seeker has to become a job creator. Prime Minister announced that the initiative envisages loans to at least two aspiring entrepreneurs from the Scheduled Castes, Scheduled Tribes, and Women categories. It was also announced that the loan shall be in the ten lakh to one crore rupee range. A startup India hub will be created as a single point of contact for the entire startup ecosystem to enable knowledge exchange and access to funding. Startup India campaign is based on an action plan aimed at promoting bank financing for start-up ventures to boost entrepreneurship and encourage startups with jobs creation. Startup India is a flagship initiative of the Government of India, intended to build a strong ecosystem for nurturing innovation and Startups in the country. This will drive sustainable economic growth and generate large scale employment opportunities. The Government, through this initiative aims to empower Startups to grow through innovation and design. What is Startup India offering to the Entrepreneurs? Stand up India backed up by Department of Financial Services (DFS) intents to bring up Women and SC/ST entrepreneurs. They have planned to support 2.5 lakh borrowers with Bank loans (with at least 2 borrowers in both the category per branch) which can be returned up to seven years. PM announced that “There will be no income tax on startups’ profits for three years” PM plans to reduce the involvement of state government in the startups so that entrepreneurs can enjoy freedom. No tax would be charged on any startup up to three years from the day of its establishment once it has been approved by Incubator. India Government is promoting finance for start-up ventures and providing incentives to further boost entrepreneurship, manufacturing and job creation. The correct choice of business is an extremely essential step in the process of ‘being your own boss’. This handbook contains few formulations of cosmetic products, properties and manufacturing process with flow diagrams of various products. After gathering the above information of products, the decision of choosing an appropriate one will no longer be a cumbersome process. The Fast-Moving Consumer Goods (FMCG) sector, also called the consumer packaged goods (CPG) sector, is one of the largest industries worldwide. FMCGs are generally cheap products that are purchased by consumers on a regular basis. FMCG sector is the fourth largest sector in the economy and creates employment for more than three million people in downstream activities. The FMCG market is estimated to treble from its current figure in the coming decade. Fast Moving Consumer Goods Companies have been expanding rapidly. Most of the product categories like jams, toothpaste, skin care, shampoos, etc, have low per capita consumption as well as low penetration level, but the potential for growth is huge. The industry has developed both in the small scale sector and organized sector. Major contents of the book are banana wafers, biscuits, bread, candy, chocolates, potato chips, rice flakes (poha), corn flakes, baby cereal food, fruit juice, milk powder, paneer, papad, ghee, extruded food (kurkure type), instant noodles, instant tea, jam & jelly, khakhra, soft drinks, spices, sweet scented supari, detergent powder, detergent soap, face freshener tissue, floor cleaner, glass cleaner, henna based hair dye, herbal creams, herbal hair oil, herbal shampoo, incense sticks, lipsticks, liquid detergent, mosquito coils, nail polish, air freshener (odonil type), naphthalene balls, phenyl, shoe polish, tissue paper, toilet cleaner, tooth brush, tooth paste, toothpicks, utensil cleaning bar, packaging. It will be a standard reference book for professionals, entrepreneurs and food technologists.

Retail Therapy

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Author :
Publisher : Springer
ISBN 13 : 1403914516
Total Pages : 209 pages
Book Rating : 4.4/5 (39 download)

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Book Synopsis Retail Therapy by : R. Jones

Download or read book Retail Therapy written by R. Jones and published by Springer. This book was released on 2002-10-22 with total page 209 pages. Available in PDF, EPUB and Kindle. Book excerpt: Designing a successful retail business depends on relationships with four groups of people: customers, shareholders, employees and suppliers. This book takes you inside those strategic relationships and shows you how to redesign your business to get them right. Don't let the humour fool you, there are ground-breaking ideas here. Highlights include a new theory of brands which shows how customer loyalty and service can be transformed. Insights into supply chain structure reveal a path to a new level of excellence. Job satisfaction is also given a complete overhaul for the new century. In each case the solution seems paradoxical - by finding a way to let the human element back into strategy we can actually increase its objectivity and extend its reach. Combining hardcore retail experience with state of the art theory and a steady flow of humour, this is the retail strategy book you've been waiting for. It's infectiously readable, relentlessly illuminating and irreverently funny - it's also the key to successful retail.

The New Strategic Brand Management

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Author :
Publisher : Kogan Page Publishers
ISBN 13 : 0749465166
Total Pages : 512 pages
Book Rating : 4.7/5 (494 download)

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Book Synopsis The New Strategic Brand Management by : Jean-Noël Kapferer

Download or read book The New Strategic Brand Management written by Jean-Noël Kapferer and published by Kogan Page Publishers. This book was released on 2012-01-03 with total page 512 pages. Available in PDF, EPUB and Kindle. Book excerpt: Adopted internationally by business schools and MBA programmes, this book is the ultimate resource for senior strategists, positioning professionals and postgraduate students to understand and overcome the challenges of brand management and strategy today, written by the leading international expert of branding, Jean-Noël Kapferer. The New Strategic Brand Management is simply the reference source for branding professionals and postgraduate students. Over the years it has not only established a reputation as one of the leading works on brand strategy, but also has become synonymous with the topic itself. Using an array of international case studies, this book covers all the leading issues faced by brand strategists today, with both gravitas and intelligent insight. It reveals new thinking on topics such as putting culture and content into brands, the impact of private labels and the comeback of local brands. This updated fifth edition builds on the book's already impressive reputation, including new content that will help students and practitioners stay up to date with targeting, with relevant research and market knowledge to support the discipline. With dedicated sections for specific types of brands (luxury, corporate and retail), international examples and case studies from companies such as Audi, Nivea, Toyota and Absolut Vodka; plus models and frameworks such as the Brand Identity Prism; The New Strategic Brand Management remains at the forefront of strategic brand thinking.

Indian stock market and mutual fund basic

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Author :
Publisher : deepak shinde
ISBN 13 :
Total Pages : 164 pages
Book Rating : 4./5 ( download)

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Book Synopsis Indian stock market and mutual fund basic by : Deepak shinde

Download or read book Indian stock market and mutual fund basic written by Deepak shinde and published by deepak shinde. This book was released on with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is all about fundamental and technical basic on Indian stock market .The topic of this books as following 1)Investment basic -- why should investment ? -- when should start investment ? --what are various types of investment ? 2) Indian economy today and in future -- GDP / GDP growth -- Inflation data -- Types of deficit -- IIP data -- FDI -- FII -- Future of india economy 3) Stock market basic -- NSE& BSE -- NIFTY 50 & SENSEX -- Index -- Revenue, EBIT, Net profit ,OPM -- Cash and debit balance -- Types of Issue ( IPO,FPO,RIGHT etc ) -- Face value -- Types of ratio 4) Sectors and Index -- IT index -- Auto index -- Bank nifty index ( repo,r repo ,slr ,crr ) -- Oil and gas index -- Capital good and construction index -- FMGC -- Metal index -- Real estate index -- Power index -- Telecom index 5) technical of market -- 50&200 DMA -- Support & resistance -- Chart & volume -- Head and shoulder pattern -- Trend 6) Future and option -- Lot size -- E date -- Margin -- Rollover -- Future market -- Call option -- Put option -- Hegging 7) Element that effect the market 8) Element that should consider at time of Investment and trading -- Budget -- Man soon -- Types of trade ( short,medium and long ) 9) balance sheet Analyzing 10) Types of investment -- Mutual fund and SIP -- Forex market ( $ ,euro ) -- commodity market MCX ( gold, silver, crude oil ,steel ,natural gas ) -- Dead market ( ETF , BOND , Bank FD ) --