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Specialization :

Finance

Area of Interest :

Finance

PhD University Name: CALICUT UNIVERSITY 2018

Dissertation: Title - "THE SAVINGS AND  INVESTMENT PATTERN OF WOMEN WORKING IN ORGANIZED AND UNORGANISED SECTORS IN KERLA"


Extensive research experience in the field of Finance, with a specialized focus on diverse investment avenues and the risk-return profiles of various asset classes. Also focusing on the intersection of personal investment strategies and behavioral finance, analyzing how psychological biases and theoretical frameworks influence investor decision-making.


  • International Journal of Cultural Studies and Social Sciences, Vol-20, Issue-01,
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PROFESSIONAL EXPERIENCE

Associate Professor

The Zamorin's Guruvayurappan College - 01/06/2009 - Working

Teacher

The Zamorin’s Higher Secondary School - 19/11/2001 - 31/05/2009

EDUCATIONAL QUALIFICATIONS

SlNoDegree/CertificateUniversity/BoardYear
1PhDCALICUT UNIVERSITY2018
2MComThe Zamorin's Guruvayurappan College1996
3MBACentral University(Pondicherry)2014

MEMBERSHIP IN PROFESSIONAL/ACADEMIC BODIES

Executive Member, Centralized Internal Examination Committee

Organized Centralized Internal Exams


College Co-ordinator, CUCBCSS Monitoring Cell

Co-ordinating the academic activities  in the College, CUCBCSS orientation, Open course orientation, Internal exams, Internal marks upload


Co-ordinator, Students Grievance and Redressal Cell

Co-ordinated the redressal of complaints and grievances of students


Head of the Department since 2019

Co-ordinated the activities of the department


Member, PG Board Studies

Syllabus Preparation


Camp Chairman

Calicut University UG &PG Valuation Camp


Member of Inspection Team-Kozhikode District 2025-26

Calicut University FYUG First and Third semester Examinations


Invigilator

Internal theory and practical


Invigilator

University -theory


Question paper setting

Public Service Commission


Question paper setting

Autonomous Colleges


Organizing Committee, Question paper setting and Evaluation

Internal examinations


Nodal Officer for two years 2022-2024

PG admission


Executive Member 2023-24 onwards

Certificate Course Committee


Convenor 2025-2026

2025-26  College Election, Monitoring Committee


INTERNATIONAL CONFERENCES ATTENDED

Presented a paper at 13th international conference on 28-sep-2013 to 29-sep-2013 at goa “Effectiveness Of Women Saving Schemes Of Banks – A Study Based On Calicut City ”.


Presented a paper at 15th international conference on 28-nov-2014 to 29-nov-2014 at pondicherry “Analysis Of Women Perception In Making Investments In Gold – A Study Based On Calicut City.


Presented a paper at 20th International conference on march 25th and 26th ,2017 at Jaipur, on the topic “ Earnings of Women Workers at Tourism Centres—a study with special reference to tourism centres at calicut city.


Presented a paper at Second Virtual International Conference on 25th March 2023  organized by Department of Commerce, Zamorin’s Guruvayurappan College  on “ A study on the Impact of Digitalization in  Commerce and Banking Sector  on the Economic Empowerment of Women”.


Presented a paper at Second Virtual International Conference on 25th March 2023  organized by Department of Commerce, Zamorin’s Guruvayurappan College  on “ A study on Expenditure Pattern of Working Women in Kozhikode District”.


Presented a paper at Second Virtual International Conference on 25th March 2023  organized by Department of Commerce, Zamorin’s Guruvayurappan College  on “ An Empirical Study on Stress management among Employees in the IT sector with special reference  to Kozhikode District”.


TRAINING PROGRAMS ATTENDED

Virtual International Conference


Two day Workshop on Data Analysis


International Webinar


Two day Workshop on SPSS


Chaired a technical session on two day national seminar on “Economies Of Gender” by pg and research department of economics, Zamorin’s Guruvayurappan College  on 29-jan-2015 to 30-jan-2015


PUBLICATIONS IN BOOKS/PEER-REVIEWED JOURNALS

BOOK PUBLICATION

“Mastering Money Minds : Personal Investment and Behavioural Finance”— ABPL Publications, AMBITIOUS BOOKS (KERALA).  ISBN :978-81-958573-4-0 (E BOOK), 978-81-958573-0-2(PRINT)  Dol:10.37298/abpl978-81.17


“Financial inclusion through Health Insurance Literacy of Middle Aged Class”  Information Systems for Intelligence systems: Proceedings of ISBM 2025, Volume 4,pp 275-284


“Strategic Adaptation of MSMES in a  VUCA World: Assessing the role of digital transformation and financial Resilience” 2025 IJRAR October 2025, Volume 12, Issue 4 pp 520-526


“The Impact Of Behavioural Biases On Investment Decision Making” International Journal of Research and Analytical Reviews, 2025 IJRAR August 2025, Volume 12, Issue 3 pp 246-250


 An Analysis on Tax compliance  among Government Employees  International Journal of    Cultural Studies and Social Sciences, Vol-20, Issue-01,  No.03,2024


“Economic Empowerment of Women Through Digitalisation in Commerce &Banking Sector”

 International Journal of Cultural Studies and Social Sciences, Vol-20, Issue-01 , No.32 ,2024


“Financial Planning and Financial Literacy of Salaried Employees” International Journal of Cultural Studies and Social Sciences, Vol-20, Issue-01, No.47 ,2024


“Effectiveness Of Women Saving Schemes Of Banks – A Study Based On Calicut City ”,issn:2278-4853,vl.3,issue-1,january 2014, published by trans asian research  journal, pp 46 to 60


Analysis of women perception in making investments in different gold options – a study with special reference to kozhikode district ” , issn:2279-0667 vol.4,iss.4,april 2015 , impact factor :sjif 2013=4.289, published by trans asian research  journal ,pp 23 to 35.