Assistant Professor Bhumika Shah

(2) “Study of Indian Banks’ Performance: Comparison of Public Sector Banks and Private Sector Banks” in International Peer Reviewed and Refereed Scholarly Research Journal for Interdisciplinary Studies, ISSN (E) 2278-8808, ISSN (P) 2319-4766 SJIF 2024:8.153, 2025 Volume 13, Issue 79, Page no: 184 – 189

(3) “A Study on the impact of Fintech on Financial Inclusion in India” in UGC Care Listed Journal “Journal of the School of Language, Literature and Culture Studies” Series 27, Book No. 02, 2025, ISSN. 0972-9682 with IF = 5.2, Page no: 21 – 27

(4) “An analytical study on assessment of the progress of financial inclusion in India with reference to banking services” in Journal ‘Sanshodhak’, Issue 24, ISSN No. 2394-5990, Page no: 41 – 46

(5) An Analysis of Relationship between Capital Adequacy Ratio and Profitability in select public sector banks in India during 2019 – 2023, Aarhat Multidisciplinary International Education Research Journal, ISSN: 2278-5655, Issue: I/B, Volume: XIII, Page no: 13- 17

(6) Unbanked to Banked: Role of E-Financial Inclusion in an Indian Context, “Satraachee” Peer Reviewed research Journal, ISSN: 2348-8425, Issue 26, Vol. 38, No. 3, Page no: 45 – 52, Jan-March, 2023

(7) A study on awareness and usage of banking services amongst underprivileged people with special reference to Mumbai, Sansmaran Management Research Journal, ISSN: 2278-7801, Issue: 1 and 2, Volume: 12, Page no: 91 – 95

(8) ‘Study of emerging markets in the financial turmoil with reference to US Fed Rate Increase’, An International Multidisciplinary Quarterly Research Journal – Ajanta, ISSN: 2277-5730, Issue: IV, Volume: VII, Page no: 104 – 107

(9) ‘Health care issues in India and Importance of nutrition’, Journal of Business Analysis, ISSN: 2231-1165, Issue: April 2012, Volume: 02, Page no: 79 – 83

(2) A Correlation study of Profitability and Market Value Added of selected FMCG companies in India, Published in the book titled “Survival, Resurgence and Sustainability in Digitalisation: A Global Perspective”, ISBN: 978-93-91199-12-8, Aarhat Publication and Aarhat Journal’s, 2023

(3) ‘Artificial Intelligence in Indian Banking sector: Gateway to Future Banking’, Published in the book titled “ICT and AI in Business, Accounting and Finance: The Game Changers for Economic Growth”, ISBN: 978-93-89985-00-9, Aarhat Publication and Aarhat Journal’s, 2020

(4) ‘Role of digital banking in furthering financial inclusion’, Published in the book titled “Recent Trends in Digital Empowerment in Emerging Economies”, ISBN: 978-81-933083-4-9, Sharayu Prakashan, 2016

(5) ‘Valuation of Mergers and Acquisitions’, Published in the book titled “A Compendium of Research Papers on Contemporary Business Practices of New Millennium”, ISBN: 978-81-925114-4-3, SIES College of Management Studies, 2015