Pursuing PhD in “Bankers’ Perception towards the use of Fintech & its Impact on Financial Inclusion” from Hemchand Yadav Vishwavidyalaya, Durg – 2021 to till date (Thesis Submitted).
M.Com in Finance from Guru Ghasidas Vishwavidyalaya, Bilaspur – 2020.
B.com in Finance from Guru Ghasidas Vishwavidyalaya, Bilaspur - 2018.
Qualified UGC-NET 2019, 2020, 2021, 2024.
Qualified CG-SET 2019, 2024.
Work Experience
Working as an Assistant Professor in OP Jindal University, Raigarh (C.G), from September 2025 to till date.
Worked as a Junior & Senior Research Scholar in Kalyan P.G. College Bhilai Nagar from March 2021 to August 2025.
Research
Financial Inclusion
E- Banking
E- Commerce
International National Journals
A systematic literature review on fintech and financial inclusion, WIRC Bulletin, (Nov. 2024), ISSN: 2456-4982.
Digital Era- Development Path or Victim of cybercrime- An Empirical Study, International Journal of Creative Research Thought (IJCRT), (April 2024), Vol. 12, ISSN: 2320-2882. https://ijcrt.org/viewfulltext.php?&p_id=IJCRT2404903
Analyzing Green Initiatives – A trend Analysis of Environmental Accounting in SAIL, International Journal of Novel Research and Development (IJNRD), (April 2024), Vol. 09, Issue 4, ISSN: 2456-4184. https://www.ijnrd.org/viewpaperforall.php?paper=IJNRD2404412
Footprints of fintech on Financial Inclusion - Evidence from Digital Banking System, International Education & Research Journal, (Feb. 2024), ISSN: 2454-9916.
Contribution of Post Payment Bank in Expanding financial Inclusion in India, International Journal of Social Science & Management Studies, (April–June 2023), ISSN: 23211504.
Performance Analysis of NPS Fund Managers of Government Schemes, Madhya Bharti Humanities and Social Science-UGC CARE, (July–Dec. 2022), Vol. 82, No., pp. 138-147, ISSN: 0974-0066.
Indian Brands in International Market & Their impact on the Indian Economy, Swadeshi Research Foundation Journal, (Oct. 2022), ISSN: 2394-3580.
M-commerce opportunities and challenges in India, International Journal for Innovation Research in Multidisciplinary Field (IJIRMF), (Feb. 2020), ISSN: 2455-0620
International National Conferences
Presented Paper on “Footprints of Fin-Tech on Financial Inclusion Evidence from Digital Banking System” in the The Role of Innovation, Entrepreneurship & Management for Sustainable Development organized by School of Management OP Jindal University, Raigarh held on 3th -4th Nov.2023
Presented Paper on “Analysing Green Initiatives: A Trend Analysis of Environmental Accounting in SAIL” in the 45th AIA conference on Accounting Education & Research organized by Department of Commerce, University of Kerala, Thiruvananthapuram & IAA Kerala Branch during December 9 &10, 2023.
Presented Paper on “Sustainable Economic Development: Fintech and Financial Inclusion” in the Sustainable agriculture development: opportunities & challenges organized by Govt. Digvijay Auto. P.G. College, Rajanadgaon (C.G.) held on 25th-26th August 2023.
Presented Paper on “Fintech help to achieve - $5 trillion Economy by 2024” in the 73rd All India COMMERCE CONFERENCE “India's march towards $5 trillion economy by 2024” organized by Dr. Babasaheb Ambedkar Marathwada University & MGM University, Aurangabad held on 22nd-24th December 2022.
Presented Paper on “Foot Prints of Fin-Tech on Financial Inclusion-Revolution in Banking Industry” in the “44th All India Accounting Conference on “Accounting Education & Research” organized by School of Commerce & Business Studies, Jiwaji University Gwalior, M.P. held on 29th -30th October 2022.
Presented Paper on “The Arrival of E-wallets: A Pre and Post Demonetization” in the Interdisciplinary Research for Sustainable Development: Innovation and Opportunities at D.B. College, Jayanagar, Madhubani (Bihar) held on16th- 17th March 2020. National Conferences/ Seminars
Presented Paper on “The Fintech revolution in banking: A study on trends and challenges” in the Seminar on Emerging Entrepreneurship Development in Finance, HR, Marketing, and Accounting in the Recent World Economy at Govt. V.Y.T. PG Autonomous College, Durg (C.G.) held on 10th -11th Mar. 2025.
Presented Paper on “Sustainable Development: Driving Force from the Relationship Between Financial Inclusion & Green Finance” in the Seminar on Sustainable Strategies: Green Finance, HR & Marketing in the Modern Business Landscape at Govt. V.Y.T. PG Autonomous College, Durg (C.G.) held on 12th-13th Feb. 2024.
Presented Paper on “An analysis of Mergers and Acquisitions' affect on financial performance in the Indian banking sector” in the Seminar on Contemporary Issues in Emerging Areas of Commerce at Govt. Chandulal Chandrakar PG College, Patan held on 23rd -24th Jan. 2024.
Presented Paper on “The role of Banking and Fintech in Empowering start-up India: A synergistic approach” in the Seminar on Start-ups and Entrepreneurship: Moving Towards a Self-reliant India at Guru Ghasidas Vishwavidyalaya, Bilaspur, Chhattisgarh held on 5th Dec. 2023.
Presented Paper on “An Era of Green Finance: A Bibliometric Analysis (BEST PAPER PRESENTATION Award received)” in the Chhattisgarh Research Conclave 2023 on “Global Economic and Financial Transformation: Impact on Development” at MATS University held on 17th -18th Mar. 2023.
Presented Paper on “Contribution of Post Payment Bank in Expanding financial Inclusion in India” in the Seminar on Emerging Business & Technology Issue with Emergence of Industry 4.0 at Kalinga University, Naya Raipur (C.G.) held on 29th -30th Nov. 2022.
Presented Paper on “Indian brands in international market & their impact on the Indian Economy” in the Seminar on Indian economy in international marketing: Opportunities & Challenges at Seth R.C.S. Arts & Commerce College, Durg (C.G.) held on 11th -12th Oct. 2022.
Presented Paper on “The Arrival of E-wallets: A Pre and Post Demonetization Study” in the Interdisciplinary Research for Sustainable Development: Innovation and Opportunities at D.B. College, Jayanagar, Madhubani (Bihar) held on 16th-17th Mar. 2020.
Presented Paper on “Solid waste management” in the Seminar on Commerce & Management - Thoughts Innovation and Strategies at Vivekanand Mahavidyalaya, Raipur (C.G.) held on 27th -28th Feb. 2020.
Presented Paper on “M-commerce: Opportunities and Challenges in India” in the Seminar on Emerging Trends and Technology in the Area of IT, Science Commerce & Management at Sai Mahavidyalaya Sector-6 (Bhilai) held on 26th – 27th Feb. 2020.
Presented Paper on “Development and opportunities of tourism industry & marketing scope in Chhattisgarh” in the Seminar on Prospects of Tourism in Chhattisgarh at Department of Commerce, Mahatma Gandhi Govt. Arts & Science P.G. College, Kharsia held on 8th Feb. 2020.
Presented Paper on “Importance of E-marketing in emerging days of internet” in the Seminar on E-marketing Vs. Traditional marketing at K.M.T. Govt. Girls College, Raigarh (C.G.) held on 5th Feb. 2020.
Awards
Best paper Presentation Award Received
Junior Research Fellowship Award received for Pursuing Ph. D in Commerce
Secured 1st Position in Ph.D. Commerce Course Work exam, Hemchand Yadav Vishwavidyalaya, Durg, (C.G.)
Patents
Patel, K., & Jangde, K. (2020). “The Arrival of E-Wallet: A Pre and Post Demonetization Study,” Chapter Edited, Sustainable Development: Innovations and Opportunity, Publisher: ABS Books, Printed at Trident Enterprise, Delhi, ISBN: 978-93-87229-41-9.
Workshops
6 Weeks Online Workshop on Research Methodology – CSD New Delhi 04 April- 14 May 2021.
10 Days Online Workshop on Research Methodology organized by Hemchand Yadav Vishwavidyalaya, Durg from 21 April- 30 April 2021.
10 Days Online Research Methodology Course on Quantitative RM and use of statistical software for social science researchers organized by Guru Ghasidas Vishwavidyalaya, Bilaspur from 13-14 December 2021.
Online Workshop on Plagiarism & use statistical tools in research by Govt. college Rajanadgaon 2021.
Membership of Professional bodies
ICA Indian Commerce Association CHG058
IAA Indian Accounting Association BSP-71
Guest Lectures
Invited as a Resource Person for 12-day Micro Entrepreneurship Development Training Program organized by Bhilai Mahila Mahavidyalaya, Bhilai Nagar & Chhattisgarh Entrepreneurship Development Centre on the topic “Branding & Marketing” sponsored by MSME, in collaboration with Indian Institute of Entrepreneurship Development, Ahmedabad &Entrepreneurship Development Institute of India (EDII).
