Gujarat State, GSDP $1.5 trillion 2024: a Template for GDP~GNH combo – a short version.


Pleased to attach the shorter version of my previous presentation on the same subject. This is about 8’ as against 59’ of the previous one.

GDP-GNH is a massive work but simplified approach on account of Intangible that is proved as a constant, an energy force, with a fixed value in a specified mathematical context, enabling the accomplishment of an infinite succession of finite purposes by controlling each goal, is a great boon to countries. What it means is that your profits and growth are well expanded with a sustainable value system in place.

Intangible is defined, like zero being found as a number.

So I am starting CREAM Academy to implement Project ELITE – Education, Learning, Implementation, Training and Execution for ABC of CREAM Ratings. That is, A-Auditors, B-Banker, C-Company who are yoked together.

I am planning for 1. CREAM certification, 2. CREAM Audit, 3. CREAM Strategy Plan, 4. CREAM Implementation and 5. CREAM Action Plan. Principle #1 is What gets measured, gets managed that sustainability factors, Fiscal as well as Ethical Responsibilities are measured, name it.

However, please see the trailer for Gujarat State GSDP $1.5 trillion 2024.

Blueprint trillion-dollar Indian Agriculture 2024


Two major Independence Day we celebrate each year, the 15th of August and the 4th of July. What’s the difference? In India, we started off glamorizing a commie, and in America, it was all unleashing the energy of people.

Such an event has happened in India now, an event that would not happen anytime in the future. The world today warrants another America to emerge, free and bold. That’s the funda here in this talk, second of my series on Corporate Citizen.

There are two lessons we can take from the farmer: 1. Resilience – after months of toil, a flood, or a typhoon, faced with near-suicidal emotions, a farmer recovers and recovers fast. 2. Value System – Farmers may even commit suicide but their value system is intact.

I find the shortfall of both these elements in the corporate and have suggested a way to unleash the corporate energy. Together Project FISCAL – Farmer-Industry-Society, Consolidate-Agri-Leadership, would be a success and the trillion-dollar Indian Agri economy is quite achievable.

Corporate investors, over to you.

Let’s take up, Blueprint for ABC – Audit, Banking and Corporate…

The New Global Brand Name – CORPORATE CITIZEN


The New Global Brand Name – CORPORATE CITIZEN

Hi thanks, WordPress community. It was a great response from you – I present here the salient points of my book via youtube. There are two parts to it 1. Intellectual Value Capital and 2. Action Value Capital. The first part expresses succinctly how the book is created that you can use it for you and your company where you work. The second part is your action, based on how the book could assist you.

Firstly, the interesting aspect would be the difficulty you have put yourself in establishing ‘Goal Congruence’. In reality, you guys are fighting among yourselves instead of energizing each other. It’s is going to be an important aspect of management you must deeply think and CHANGE.

Secondly, there’s an SAP Case study. It does mention other companies too. Take note of it for all companies to correct themselves and get moving for the phenomenal growth of yourselves and the company you work for.

Finally, regarding Country rating? Talking of $5 trillion economies? Suggestions to Rating companies and the switching on your triggering device. The New Global Brand Name – is YOU – THE CORPORATE CITIZEN.

Please do have a look and let us discuss for development of an individual, corporate, and country growth and profits.

CREAM Ratings – Measuring Corporate Governance – Management Development Program via Udemy

I declare open CREAM Ratings Academy for Corporate, via Udemy, Launched via LinkedIn:

Corporate Atomic Structure and the Return on Intangible principles enable Corporate CREAM Report, measured on a common denominator with unreasonable effectiveness. Science of metaphysics with a logical structure, brings abstractions into reality. It enables not only Microsoft “We’re on a mission to empower every person and every organization on the planet to achieve more.” but others too.

Note the discussion on Corporate Culture vis-à-vis Tata-Cyrus Mistry, Infosys- Vishal Sikka, IL&FS – Parthasarathy, Volkswagen-Ferdinand Piëch, derived from a series of analytics, addressing “Who failed ( VW-Infosys-big4 Audit firms)- is it Corporate Governance or Management Quality?” What emerges in a precise and stately manner, is the Board undertaking ethical responsibility that is crucial, for corporate sustainability.

The 4.0 Industrial Revolution is about unleashing energies and skills of all the workforce that the Board shall propel, as the custodian of ethical assets. This is by applicability of simplicity, measuring energy as liberated matter and simultaneously matter as NPA where energy is waiting to happen.

Follow the two principles: 1.Change the denominator and 2. JIT – CAGR to CDGR [Daily].

Jayaraman Rajah Iyer

CREAM Ratings Academy Intro

CREAM Ratings Academy Intro

CREAM Academy Intro is the announcement of Project ELITE – ABC of CREAM Ratings. Education, Learning, Implementation, Training, and Execution of ABC of CREAM Ratings – A for Auditors, B for Bankers, and C for Company undertaking CREAM Report path of excellence, who are yoked together but measured independently based on my Book: Corporate Citizenship and Sustainability: Measuring Intangible, Fiscal and Ethical Assets.

The course content by each Module follows and given separately. There are 9 Modules in all that would culminate in the participant getting a course certification. CREAM Certified individuals have more to use the CREAM Ratings for their own benefit. These and other issue areas are given stp-by-step. This will be hosted by MyStudyMall owned by experienced IT professional Amit Das.

Please do have a look. The scheduled time for Project ELITE is January 1st 2021.

Jayaraman Rajah Iyer

Now available for sale:

At India:
At BEP: [Preview]
At US:

Gujarat State, GSDP USD1.5 trillion 2024: a Template for GDP- GNH combo.

Based on my book: Corporate Citizenship and Sustainability: Measuring Intangible, Fiscal and Ethical Assets. Here I highlight the Five steps to Nirvana, an essential combination of GNH and GDP, freedom from multiplicity of problems the society faces. This is given as a template for use by others too.

Step 1: CREAM Audit: Fault lines that appear in the data collection are highlighted for correction.

Step 2: CREAM Strategy Plan: Strategy Plan process in 6 stages. What we do is only quantitative elements via an ERP but here strategy plan for qualitative elements of management is brought to the fore.

Step 3: CREAM Implementation: Step 4: CREAM Training: Covered by elaborating on my IPR, Inactivity Based Cost Management with five principles, so that the end users take a grip on the finer aspects of measuring ‘cost consequence’ now, now, now, converting Strategy Plan to Action Plan.

Step 5: CREAM Action Plan is conveyed through the three principles of emergent property phenomena, for a simple way to Nirvana.

I welcome you all.

Now available for sale:
Corporate Citizenship and Sustainability: Measuring Intangible, Fiscal and Ethical Assets.
At India:
At BEP: [Preview]
At US:

BEP Presents the book: Corporate Citizenship and Sustainability

A brief note on where to buy. For details on the book, please see the post Book launched via LinkedIn. I may not have connections to banks, industry, government admin, and educational institutions who all responded well. I can only convey to you, what Prof. James Pilant, Adjunct Professor at Drury University, [] commented for my post: BUY THE BOOK!.

Corporate Citizenship and Sustainability: Measuring Intangible, Fiscal, and Ethical Assets.

I am pleased to launch my book: Corporate Citizenship and Sustainability: Measuring Intangible, Fiscal, and Ethical Assets.

My letter to PM: Economic Revival Measures – Stimulus Package – Cost of Inaction

If India has to succeed in implementing the stimulus package it will be based on measuring the ethical assets we create. In my book I describe Knowledge is the goal of ethics. I explain the same as below: Continue reading

How to hasten India’s economic recovery – Caught between NCLT and COVID-19 ?


Firstly, I present the four-issue areas selected from my Book, Return on Intangible, Measuring Fiscal and Ethical Assets, due for release in June 2020 from the US:

1. DIY kit for Corporate and government,
2. What does Society Teach?
3. A spontaneous urge to action rather than inaction, and
4. the attrition of ethical values.

Then my proposal for India Corporate, under the headings:

1. EPP – efforts per person,
2. Creative Process and Action Process,
3. Strategy Plan 2024,
4. Ratings facilitates consolidation,
5. Prepare a consolidated CREAM Report 2024, and
6. Fix it, fix it comprehensively the WuhanLab Syndrome.

CREAMCHAIN – The dawn of the Data Management Dynamics

Here I have posted a different post – CREAMCHAIN – The dawn of the Data Management Dynamics. It’s a combination of my CREAM Report and Blockchain. Please do have a look at. The last one is a challenge to companies like Google, IBM, Microsoft or SAP. And also to very many techies. If you are ready, I am.

ONE PAGE REPORT – Reverse Mentoring

In a recent article “Effective leaders develop and promote the culture: Bayer’s K S Harish” I was quite impressed by Bayer’s relentless pursuit of excellence, one for example, “Our accelerated leadership program – My Growth My Life (MGML) – aims at grooming internal talent for leadership positions in the organization.”, and the other Harish talking about is ‘Reverse Mentoring’.

Successful IITs and IIMs make a very small group. We lack that set of men and women with 3 Qualities – Integrity, Intelligence and Energy. Return on Intangible identifies them. The culture we all need but available in plenty. Know it, they are ready for ‘Reverse Mentoring’, no longer hierarchical one man call centre in any company?

CSR Research and Corporate Sustainability

In our obscurity – in all this vastness – there is no hint that help will come from elsewhere to save us from ourselves. It is up to us. – Carl Sagan

Last week FM Nirmala Sitharaman announced many an incentive to India Corporate, sharp cuts in corporate taxes among many more. It was followed by a CSR incentive to allow corporate India to use their mandatory CSR spending on publicly-funded incubators for R&D.

PM Modi tells investors to ‘come to India’ to aid $5 trillion GDP Goal, offering a 4-D Advantage Model of growth – Democracy, demography, decisiveness, demand.

In this paper I present data of past, strategy plan 2024 and how present be tackled. Corporate India has work in their hands, to compete with China. It is imperative that India gets its share of FDI in course of chasing the dream of $5 trillion economy. It’s hard. CSR way is the right way. Accumulating Ethical Assets is going to be crucial in attracting foreign investment.

One of the Big – 6 Audit Firms – BDO – Rocks – Way to go

In the context of finding a solution when Audit Profession is at a low ebb, I see an oasis in a desert. I found Global Review 2017 Your BDO, an interesting document in resolving the issues raised on account of substandard Audits.

BDO seems to be on a good pedestal. The Technology Direction BDO has undertaken goes hand in hand with A&A – Audit and Assurance as well as Technology Advisory. It augurs well for both.

My analysis of BDO is a step ahead to include advancement and mastery over Sustainable Value System. This definitely calls for a different set of approach in structural change in client companies. It is imperative.

Measuring Ethical Assets will be of considerable importance in placing Corporate in the path of growth. Bring Ethical Assets Premium Account in Balance Sheet is the answer for committed Auditors and Corporate alike. Measuring by Corporate Governance is the solution.

Bring Ethical Assets Premium Account in Balance Sheet – And Eradicate Corporate Corruption. How to?

This is my letter to The Prime Minister of India suggesting how to eradicate Corporate Corruption? I specify the role of Audit Profession and its need of the hour.

Balance Sheet is bereft of any Ethical Assets that many companies do seriously make use of but are not able to represent the same in the Balance Sheet. Unlike Brand Value dominant in 1980s that resulted in creating standard for IAS 38 Intangible Asset, today use of many a standard Policy document such as UNCAC gets hidden as to be never brought to the forefront of market analysis. It is indeed a surprise why it is not so. By bringing it up in the Balance Sheet companies would find themselves a class of their own. I am suggesting how to do that?

Audit profession has taken a toll and mainly the Big 4 firms. It is a great opportunity for the Audit Profession as a whole to verify the Ethical Assets Premium Account and take a step in enhancing their professional capability.

Nirmala Seetharaman Stimulus Package – who will spur the growth – Corporate Governance or Management Quality?

Check your premises, Nirmala Seetharaman?

The same institutions, the same corporate juggernauts are the ones we would be hoping to take India to a $5 Trillion Economy? Wishful thinking or shot in the dark? I am questioning the Government as to their wishful thinking because of the untrustworthy buccaneers? Modi 1.0 had ushered in a Qualitative Elements in Governance and hoping Modi 2.0 would ensure revenue, profits and growth. The fault lines are with the corporate and banking not with the government. Modi 2.0 priority ought to make sure questionable practices are out and so is ‘phone banking’? But how?

Who failed Big 4 Audit Firms, is it Corporate Governance or Management Quality?


In a recent article in The Economic Times, Vinod Mahanta and Sachin Dave ”A slew of systemic and cultural issues that threw top auditors off balance – Each day as clamour grows for strict action against auditors, the profession finds itself at a crossroads.” they discuss threadbare the burning issue of Auditors particularly Big 4 Firms are going through. This article “Who failed Big 4 Audit Firms, is it Corporate Governance or Management Quality?” summarises the opinions of the quoted experts and offers my view point to resolve the issues offering solutions to the n-dimensional problems. Extracts are from my book on Return on Intangible.


CREAM Report – Digitalising the Process


FPOs/Farmers – Database would be: [2] In the Value Chain
40k Farmers, land holding, sector composition – oilseeds, rice, wheat, pulses, yield etc.
Strategy Plan 2025 – CAGR – Convert CAGR to CDGR [Daily] and Track progress.
Implement Growth and Earnings by CREAM.
Responsibility be with the FPCs [GujPro]
CREAM Report by Individual Farmer.
CAGR gives the Targets and CDGR the Daily Progress.
M in CREAM is Management Quality, a repository of Standards. Identify relevant Certification for each Farmer and apply practicing such standards – Crop Production Systems.


One Page Report – Project FISCAL: Farmer Walks Into Dalal Street

During 2017-18 crop year, food grain production is estimated at record 284.83 million tonnes. In 2018-19, Government of India is targeting food grain production of 285.2 million tonnes. Milk production was estimated at 165.4 million tonnes during FY17, while meat production was 7.4 million tonnes. As of September 2018, total area sown with kharif crops in India reached 105.78 million hectares. Continue reading


Return On Intangible

Project FISCAL connects Farmer – Industry – Society the three CCP – Critical Control Points in the Value Chain, Consolidating Agri Leadership in Indian Economy. It’s a single powerful sector giving the platform to stabilise multi-functional aspects of India’s GDP.

CREAM Report to start with, of 45k Farmers connected to Industry and Public would enhance a win-win situation within this Value Chain to Funding Agencies and to the GoI. Pro-active policy changes and commitment forward is to each individual, produce, area and time, in Project FISCAL.



In one side I try educating the Corporate to run their organisations wisely. In a recent post I did ask: Q: 3.If 85% of Quantitative and Qualitative Elements of Management is ignored how do you manage your company? UQ:

This would greatly help companies to ask themselves: What is
crucial to bring the abstractions into reality, acknowledge
value where value is due, and deconstruct what is
valueless. Return on Intangible is the only solution.

At the other end I ask however, Investors where do you stand? They do invest in a big way particularly Foreign firms into India Corporate. This ONE PAGE REPORT – INVESTORS addresses these issues. Are the Investors any wiser? Read with my earlier post ONE PAGE REPORT – CORPORATE, it would make sense to reiterate the main theme of my book exhorting all: CHANGE, CHANGE, CHANGE CORPORATE, CHANGE GOVERNMENT, CHANGE THE DENOMINATOR.

3 Day Workshop Transformation Towards Self- Governance

There is an urgent need to arrest the deterioration in Corporate Management. IL&FS is the latest – IL&FS Scandal: SFIO uncovers grave irregularities on corporate governance and financial parameters, says report – Moneylife.

Similarly after the Volkswagen fiasco one has to look at when Hermes EOS, the stewardship division of Hermes Investment Management, calling for an overhaul of the management and corporate governance culture at Volkswagen. Subsequently I wrote another article in Slideshare: Who failed Volkswagen, is it Corporate Governance or Management Quality?

My book Return on Intangible – Measuring Corporate Fiscal and Ethical Assets: CREAM Analytics of Policies, Practices and People, precisely expounds the theory of Return on Intangible that shall MEASURE Corporate Governance differentiating with Management Quality. This 3 Day Workshop for those interested companies may contact me, as given in the last page of the 3 Day Workshop Details.

Get yourself RATED.


RoI – Return on Intangible – THE Productivity Index

The Opportunity Indian Economy to be $10 trillion by 2035 – Suresh Prabhu

India to be $10 trillion economy by 2035: says Suresh Prabhu. With the current GDP estimate of $2.6 trillion in about 18 years we could reach $10 trillion at a CAGR of 7.77%, as against the current growth rate of 7.3% in the current fiscal year 2018-19. $5 trillion in 7 years, as Suresh Prabhu mentioned, works out to a CAGR of 9.79%.

A lower capital output ratio shows that only low level of investment is needed to produce a given growth rate in the economy. This is considered as a desirable situation. Lower capital output ratio shows that capital is very productive or efficient. Return on Intangible guides the way for THE Productivity Index to propel Indian Economy to greater heights.

I exhort to keep the target growth @15%, so that Indian Economy reaches $7 trillion in 7 years paving way to $33 trillion by 2035. How?

RFP – Creating Digital Record of Pursuing Excellence for Corporate CREAM Report and Corporate Managers: Dynamic Database of Fiscal and Ethical Assets, Blockchain and #AI Technology assisted