Dr neha Kumar Tiwari Institute of Technology and management, Aligarh, India   63 Rajya Karamchari colony, Ramghat Road, Aligarh Aligarh, Uttar Pradesh 202001 India   nsharma1978@rediffmail.com     Biographical Sketch: I am an Professor of Management with specialization in Finance taking classes and research in the field of Banking and Finance   Primary Research Focus: Banking & Finance   JEL Areas: E5 : Monetary Policy, Central Banking, and the Supply of Money and Credit: General G3 : Corporate Finance and Governance: General