DOCAMS Online Research Journal is a Double-blind Peer Reviewed Half-Yearly Journal of the Post Graduate and Research Department of Commerce of MP Moothedath Memorial S N Trusts College, Shornur (affiliated to University of Calicut, Kerala). The journal is published with International Standard Serial Number (ISSN - ) and is on its march to index in some more reputed national and international indexing and abstracting services in the immediate future. The journal encourages College Teachers to submit their research paper(s) and abstract(s) of Doctoral Dissertations for possible publication. The paper should be an original piece of work and should not be scheduled for publication elsewhere. The core areas for possible publication include banking, insurance, capital market, management, marketing, accounting and taxation.The journal also deals with areas that contribute to improve the commerce and management education and research.