Educational  qualification:

• M.A
• B.Ed

Other:

• UGC- NET

• Peer Reviewed Referred and UGC Listed Journal (40776) , “ An Analysis of Various Models of Financial Inclusion in India “ at An International Multidisciplinary Quarterly Research Journal – AJANTA ISSN – 2277- 5730. Impact Factor – 5.5. Volume – VII Issue – IV October- December 2018 Part II. Pg. No -55 – 62.
• Presented Research paper on “ An Overview of NABARD” at 8th International Multidisciplinary E-Conference on National Education Policy 2020: Focus on Learning and Student Centric Education System (Issues & Challenges) organized by Chandrabhan Sharma College of Arts, Science and Commerce held on 24th September 2022. Peer Reviewed Journal – International Journal of Advance and Innovative Research. ISSN – 2394-7780. Impact Factor – 7.36. Volume – 9 Issue – 3 (VIII) July- September 2022. Pg. No -66-71.
• Presented Research paper on “A study on Individual Financial Literacy and Financial Behaviour” at One Day Online International Multidisciplinary Conference at Smt. Vijayadevi Desai Senior College, Kolhapur held on 30th July 2023. Peer Reviewed Journal – International Journal of Advance and Applied Research. ISSN – 2347-7075
  Impact Factor – 7.328. Volume – 4 Issue – 26 July- August 2023.Pg. No -22-25.
• Published Research paper on “The Role of MSMEs in India”. Peer Reviewed Journal –Vidyawarta International Multilingual Research Journal. ISSN – 2319-9318. Impact Factor – 9.154. Issue – 48 Volume – 2. 1st Oct 2023. Pg. No – 49 – 54.
• Published Research paper on “The Role of Foreign Direct Investment (FDI) in India: A Comprehensive Research Analysis” at International Conference on Business, Management, Social and Economical Advancement – 2023 held on 21st -22th October 2023. Peer Reviewed Journal – INTERNATIONAL JOURNAL FOR INNOVATIVE RESEARCH IN MULTIDISCIPLINARY FIELD. ISSN – 2455-0620. Impact Factor – 7.581. Issue – 45 Oct 2023. Pg. No – 79 – 86.
• Presented Research paper on “Unveiling the Dynamics of Entrepreneurship: A Comprehensive Analysis” at One Day Online International Multidisciplinary Conference at S K Patil Sindhudurg Mahavidyalaya, Sindhudurg held on 29th October 2023. Peer Reviewed Journal – International Journal of Advance and Applied Research. ISSN – 2347-7075. Impact Factor – 7.328. Volume – 4 Issue – 34 Sept.- Oct 2023. Pg. No – 85 – 94.
• Presented Research paper on “ Fiscal Inclusion in India : Empowering the Unbanked” at International Conference on Multidisciplinary Research in Challenging Trends in Banking, Commerce & Technology , MRM Institute of Management , Telangana held on 26th November 2023. Peer Reviewed Journal – International Journal of Social Science and Management Studies . ISSN – 2454- 4655,Impact Factor – 5.2 & Volume – 9 Issue – 10. Sept.- November 2023 ,Pg. No – 15-22.

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