The document discusses the challenges and changes that may occur post-COVID, as well as recommendations for navigating economic difficulties. It notes businesses have witnessed sharp declines, with the retail sector losing Rs. 15.5 lakh crores. Pharmacies have emerged as new hotspots for FMCG sales. The document provides advice such as keeping money handy, avoiding debt, liquidating assets if needed, focusing on newly needed skills, and making a difference through problem-solving rather than gossiping.

2. The palms are worn out from cleaning and scrubbing. Hand creams are not in the
shopping list. Clothes have to be folded. Cooking never seems to end. And one
must not crib about but be grateful for our relative privilege. What happens when
all this ends..? No one can tell....
We are all spending a dis-proportionate amount of time trying to figure out how the
world will be after this corona saga. Some romanticize work from home , some fear
the deepest recession, some imagine government control of our lives , and some
like to see the end of flop validation and return to local community based living....
We just don't know!!!
POST COVID DISCIPLINE TO BE FOLLOWED BY THE FRATERNITY:
1. Keep money handy and spend very carefully. Keep the expenses at the
minimum as if it is an emergency.
2. Prepare to become redundant or underpaid plan to keep cool and collected.
Take help to remain mentally and socially supported. Do not despair or deny.
3. Shun debt like a disease. Do not borrow even from friends and relatives.

3. 4. Make a mental list of assets you can liquidate if needed.it could be gold, property
you bought as an investment or shares.
5. Do not fall traps and tricks that play on the crisis. Shares are trading at lower, buy
like Warren Buffet does, when there is blood on streets don't trust these stories...
This is not the time to gamble.
6. A crisis is a time to figure out what is newly needed in the changed environment
and how you can plug your skills.
7. No one thought delivery boys and warehouse operators will thrive in the online
retail boom. If only focused on what you currently do, you will miss the new that
will emerge as the crisis dies down.
8. Keep questioning your contribution not just during this crisis, your relevance to the
world around you is tightly woven into what you bring to the table . Be sure you
are solving problems, saving resources, enhancing efficiency and making a
difference. Don't sit there and gossip.... Get things done!
9. Don't assume that everyone will become a changed version of their previous
selves once crisis is over. So don't expect the world to become a virtuous place
and a new heaven. Keep focus on present. Preserve yourself and your household
and handle that money you have, very very carefully.

4. Businesses witnessed sharp decline, de-growth of 64% in the first half of July 2020 . A
whopping Rs.15.5 lakh crores lost by Retail segment alone.
Essential items demand surges with unlock 1.0 as their shipment volume goes higher 3 times.
Tepid demand & Intermittent lockdown in several States disrupts FMCG firms' momentum-
July output. Small Retailers need to embrace e-commerce to survive, but the current tax
regime makes it very difficult.
Impact in cities: Pharmacies emerge as new hotspot for FMCG sales. 35% consumer base
expansion and Chemists account for around 10 % of FMCG Sales through Personal care and
immunity care products. At Mumbai and Kolkata, Chemists shop has emerged as a new
grocery store. Companies have launched 2 dozen products in health and in immunity boosting
space.
Body blow to Retailers industry-wise :
↘ 42% - Automobile sales;
↘ 78%- Watch, Jwellery & Personal Accessories;
↘ 74% - Apparel & Clothing and Footwear;
↘ 71% - Beauty Wellness & Personal Care;
↘ 68 %- Sports Goods;
↘ 63 %- Furniture & Furnishing.
Foot-fall had reduced to half of pre-covid levels.

5. RETAILERS’ VOICE
Who’s who:
• Shankar Bysani –
CEO, Viveks.
• Abishek Ganguly-
GM, Puma (India
& SE- Asia).
• S.Ramesh – MD,
Pothys.
• G.Venugopal –
Chairman,
Naidu Hall.
Comments:
• Whoever comes makes a purchase for sure.
Conversions-90% from60%.
• People know exactly what they want to buy.
• Coming with clear intent pushing up conversion rates
70% from 50%.
• Pothys doesn't allow trial on readymade clothing or
exchange of clothes.
• Naidu Hall does not support trial for readymade
garments , The clothes returned are kept aside for
24 hrs and steam-ironed.

6. Growing Young
Population
Rising
disposable
Income
Changing
consumer
preferences
Increasing
number of
working women
Demand
side
factors
Government
regulations
Development of
supply chain
improving
efficiencies
Easy
availability of
credit
Real estate
development
Supply
side
factors