Mr. Anchit Jhamb is working as an Assistant Professor with Punjab Institute of Technology, Rajpura and has an experience of around 5 years and has written many National and International research papers in field of finance and banking. Anchit Jhamb completed his Masters in Business Administration in 2014 from School of Management Studies, Punjabi University, Patiala. Ms. Swati Aggarwal is working as an Assistant Professor with Chandigarh University, Gharuan and has an experience of around 4 years and has authored many National and International research papers in field of finance and commerce.