AWARDS RECEIVED

• ‘Mangalagangotri Commerce Pioneers Gold Medal Award’ in M.Com for securing the I Rank in M.Com Examination in 2010 by Mangalore University, India
• ‘Smt.Lakshmi Soma Bangera Kodikanyana Memorial Gold Medal Award’ in M.Com for securing the I Rank In M.com Examination in 2010 by Mangaore University, India 
• ‘Academic Excellence Award’ for the best performance in B.Com Examination in 2007 by Yenepoya Moideen Kunhi Memorial Educational and Charitable Trust, Mangalore, India
• ‘Bawa Abdul Khader Memorial Award’ for the Academic Excellence in B.Com Examination in 2007 by the Beary’s Welafare Association ®, Bangalore, India 
• ‘MERIT AWARD’ for 1 Rank in St. Mary’s Girls’ Composite P.U.College in the P.U.C. examination in 2004 by the The Mangalore City Headmasters’ & Pre-University College Principals’ Association, Mangalore, India

PUBLICATIONS

• “Origin, growth and performance of Self Help Groups in India”, published in Global Research Analysis International, Volume 2, Issue 3, March 2013, PP 14-16, ISSN No 2277-8160, Impact Factor 0.2714
• “Innovation in Indian Banking: Extent of Precautions Taken By the Customers While E-Banking”, published in International Organisation of Scientific Research - Journal of Business and Management, Volume 8, Issue 5, Mar-Apr 2013, PP 01-09, ISSN No 2278-487X
• “Role of Information Technology in Banking Sector”, published in the Conference proceedings in the National Conference on Technology in Business: A Competitive Edge for Organisations (NCTB2013), organized by Tumkur University, Tumkur & East Point College of Engineering & Technology, Bangalore, India held on 28th March 2013 by Niruta Publications, Bangalore ISBN No. 978-81- 923424-5-0 
• “Study of Adoption of Technology and Supply Chain Finance” published in the Conference proceedings in the National Conference on Technology in Business: A Competitive Edge for Organisations (NCTB-2013), organized by Tumkur University, Tumkur & East Point College of Engineering & Technology, Bangalore, India held on 28th March 2013 by Niruta Publications, Bangalore ISBN No. 978-81-923424-5-0 
• “Environmental Auditing: Perception of Accountants with regard to the barriers to Environmental Auditing” published in the Conference proceedings in the National Conference on International Financial Reporting Standards (IFRS) and Extensible Business Reporting Language, organized by Sri Venkataramana Swamy College, Bantwal held on February7-8, 2013 by Department of Commerce and Management, SVS College, Bantwal – Dakshina Kannada, Karnataka, India ISBN No. 978-93- 81195-64-2 
• “An Assessment of Self Help Groups to avail loans from banks” in International Journal, Global Journal for Research Analysis, Volume 6, Issue 12, December 2017, ISSN No. 2277 – 8160, pp 44 – 47 
• “COVID –19 and it’s impact on educational environment in India” published in Environmental Science and Pollution Research, Volume 29, Issue 13, 04 January 2022, Impact Factor 4.223

PAPERS PRESENTED IN CONFERENCES/ SEMINARS

• “Role of Banks in including Women in the Development Paradigm of Financial Inclusion” – Paper presented at the National Conference on Banking Towards Strengthening Rural India New Paradigms and Directions conducted by the Department of Commerce, Management and Economics, Kukke Shri Subrahmanyeshwara College, Subrahmanya, India on 8th & 9th of September, 2011 
• “A Study on the Working and Consumer satisfaction Towards Nandini Milk Products with special reference to Dakshina Kannada Milk Union Limited”- Paper presented at the UGC Sponsored 3 National Conference on Challenges of Co-operative Sector in India conducted by the CSI College of Commerce, Dharwad and Karnatak University & Colleges Commerce Teachers’ Association, Dharwad, India on 23rd September, 2011. 
• “Problems of Co-operative sector banks in India” in the National Conference on Challenges of Cooperative Sector in India, held on 23rd September 2011 organised by CSI College of Commerce, Dharwad 
• “Environmental Audit: Perception of Accountants with regard to Barriers to Environmental Auditing” – Paper presented at the UGC Sponsored National Conference on International Financial Reporting Standards (IFRS) and Extensible Business Reporting Language (XBRL) conducted by Sri Venkataramana Swamy College, Bantwal, India on 7th & 8th of February, 2013. 
• “Innovation in Indian Banking: Extent of Precautions taken by the Customers while E-Banking” – Paper accepted at the National Conference on Innovative Emerging Strategies on Commerce and Business Management conducted by Astitva Consultancy, Lucknow, India on 23rd February, 2013. 
• “Role of Self Help Groups in providing employment opportunities to rural population” in the National Conference on Entrepreneurship & Employment Opportunities in India, held on 24th February 2013 organised by Anjuman Degree College & P.G.Centre, Bhatkal.
• “Factors affecting development of Women Entrepreneurship” – Paper presented at the National Conference on Entrepreneurship & Employment Opportunities in India conducted by the Department of Commerce, Anjuman Degree College & P.G.Centre, Bhatkal, India on 24th February, 2013.
• “Rural Women Entrepreneurship – A Reflection of Problems & Prospects” – Paper presented at the National Conference on Emerging Business , Opportunities & Challenges, 2013, Special focus on “Healthcare” conducted by R.V.Institute of Management, Bangalore, India on 22nd & 23rd March, 2013.
• “Role of Information Technology in Banking Sector” – Paper presented at the National Conference on Technology in Business: A Competitive Edge for Organisations NCTB-2013 conducted by Tumkur University and East Point College of Engineering & Technology, Bangalore, India on 28th March, 2013 • “Study of Adoption of Technology and Supply Chain Finance” – Paper presented at the National Conference on Technology in Business: A Competitive Edge for Organisations NCTB-2013 conducted by Tumkur University and East Point College of Engineering & Technology, Bangalore, India on 28th March, 2013 
• “Global Financial Crisis and Regulatory Reforms” – Paper presented at the UGC Sponsored National Conference on The Effect of the Global Economic Crisis on Indian Economy: Issues, Challenges and Recovery conducted by Department of Economics, Government First Grade College, Chickmaglur, India 
• “Performance of Rural Women in Self Help Groups : A Study in Belathangady Taluk of Dakshina Kannada District” – Paper presented at the UGC Sponsored National Conference on FEMCON -14, Feminine Qualities and Leadership conducted by University College, Mangalore, India on 22nd & 23rd April, 2014 
• “Problems faced by rural women entrepreneurial members of SHGs in accessing loan: A Study in Dakshina Kannada and Udupi districts” – Paper presented at the National Conference on Emerging Business Trends (EBT) – 2020, conducted by Department of Post Graduate Studies and Research in Commerce, Mangalore University, India on 4th & 5th March, 2020.

FELLOWSHIP RECEIVED

•  • ‘MAULANA AZAD NATIONAL FELLOWSHIP’ for Minority Ph.D students by University Grants Commission (UGC), New Delhi, India