CURRICULUM-VITAE

NAME : DR. USHA ARORA

DATE OF BIRTH : 01-07-1961

NATIONALITY : Indian

DESIGNATION : Professor

ADDRESS : Haryana School of Business Guru Jambheshwar University of Science& Technology, Hisar-125001

Resi. - E-12, Campus G.J.U.S & T Hisar Ph.: (R) 01662-263266

(O) 01662-263307

(M) 09416489310

EDUCATIONAL QUALIFICATION : M.Com., Ph.D., PGDMM

CO-CURRICULAR ACTIVITIES : Took keen interest in cultural activities. Declared 'Best Actress' twice in Zonal

Youth Festivals and won College Colors.

FIELD OF SPECIALISATION : Marketing Management Logistics Management Business Laws Industrial Marketing

TEACHING EXPERIENCE : 29 years

-RESEARCH WORK

-RESEARCH PROJECTS

TITLE OF PROJECT FUNDING AGENCY STATUS

Management of NPA’s in Indian Banks –An Analytical Study UGC COMPLETED

A sectoral comparison of Marketing Practices of Banks in India UGC COMPLETED

RESEARCH SUPERVISION

: 1. Seven candidates awarded Ph. D degree. : 2. Supervising four Research Scholars. : 3. Guided more than 150 research projects for MBA Degrees.

MEMBER OF ACADEMIC/ PROFESSIONAL BODIES

– Co-ordinator, SC/ST Coaching Centre, GJU S&T Hisar.

– Member of Court, G.J.U.S & T, Hisar.

– Member of Internal Quality Assurance Cell , G.J.U.S & T, Hisar

– Member of Board of Governors, Haryana School of Business, G.J.U.S & T, Hisar.

– Member of P.G.B.O.S in Management Deptt. , BPSM Vishwavidyala Khanpur kalan ,Sonipat

– Member of U.G.B.O.S in Management Deptt., BPSM Vishwavidyala Khanpur kalan ,Sonipat

– Member of Research Committee, Haryana School of Business, G.J.U.S & T, Hisar.

– Member of PG Board of Studies, Haryana School of Business, G.J.U.S & T, Hisar

– Had been Member of women cell , G.J.U.S & T, Hisar

– Had been Member of Enforcement of students discipline , Good Behaviour, Residence and Health, G.J.U.S & T, Hisar

– Had been Member Proctorial board, G.J.U.S & T, Hisar

– Had been Member of A.C,BPSM Vishwavidyala Khanpur kalan ,Sonipat

– Had been Member of Board of P.G.B.O.S in Management Deptt. K.U.K.

– Had been Member of Court C.D.L.U.,Sirsa

– Had been Member of Court B.P.S.M. Vishwavidyala Khanpur kalan ,Sonipat

– Had been member of Court G.J.U.S & T, Hisar.

– Had been member of A.C, GJU S&T Hisar.

– Had been member of Executive Council G.J.U.S&T, Hisar

– Had been Cultural Co-ordinator of G.J.U.S & T, Hisar

– Had been member of Faculty Management Studies, G.J.U.S & T, Hisar.

– Had been member of All India Management Association, New Delhi.

– Had been member of All India Commerce Association.

– Had been Head of Commerce Deptt. K.M.V. Pundri (Kaithal).

– Had been Incharge of NSS, K.M.V. Pundri (Kaithal).

– Had been member of Advisory Committee, K.M.V. Pundri.

– Had been member of Cultural Committee, K.M.V. and Pundri.

No. of Books and Papers Published/Presented

No. of Books Published 3

No. of Papers Published in National and International repute Journals 65 approx.

No. of Papers Presented in National & International Conferences

Seminars/Conferences

70 approx.

Awards

“BHARAT JYOTI AWARD “ by India International Friendship Society, New Delhi in 2006.

“RASHTRIYA GAURAV AWARD “ by India International Friendship Society, New Delhi in 2012.

“BEST CITIZEN OF INDIA AWARD” by Best Citizen Award Publishing House, New Delhi in 2012.

“BEST PROFESSOR IN MARKETING MANAGEMENT” by Dainik Bhaskar National Education Leadership

Award,Mumbai in 2013.

List of Books, Papers Published and Papers Presented in Seminars/Conferences

BOOK

– "Corporate Strategy and Management" Arihant Publishing House, Jaipur.

– “ Management of Credit Schemes in Banks” Regal Publications ,New Delhi.

PAPERS PUBLISHED:

1. –"The Small Scale Sector: An Anxiety for Finance" in "Facts for You" –Vol. 9, No. 5, Oct. 1987 pp

12-15.

2. –"Small Scale Sector – In Need of Modern Technology" in "Facts for You" - Vol. 9, No.5, Nov. 1987

pp 22-24.

3. –"Financial Constraints of Small Scale Sector" in "Yojana" –Vol. 32 No. 4 ,March 1-15, 1988 pp 20-23.

4. –"Complementary Role of Large and Small-Scale Sector" in "Facts for You" –Vol. 9 No. 11, May

1988 pp 25-29.

5. –"New Entrepreneurship in Small Scale Sector" in "Facts for You" Vol. 12 No. 9, March 1991,pp 23-

26.

6. –"Bye, Bye Mr. Clerk" in "Facts for You" Vol. 20 No. 2, Nov. 1999pp 15-17.

7. –"NPA – Lack of Effective Management" in "Facts For You" Vol. 20 No. 3, Dec. 1999pp-36-38.

8. –"E-Commerce-No Looking Back", in "Facts for You" Vol. 20 No. 5, Feb. 2000pp-22-24.

9. –"Implications of E-Commerce" in an edited book "21st Century l Business Environment" from

Sabrin printers Haridwar, 2000,pp14-25.

10. –"Contemporary Issues for Corporate Restructuring in the era of E-Commerce" in an edited book

"Contemporary Issues in Corporate Restructuring in India in the New Millennium" from Anmol

Publishers, Delhi 2001,pp 74-82

11. –"Contemporary Issues in Rural Marketing" in "KAUTILYA" Haryana Economic Journal Vol. XXI No.

1-2, 2000-2001, pp. 21-27.

12. –"NPA Management in the Indian Environment" in "The Banker" April-2000 pp. 27-29.

13. –"Online Financial Supermarkets" in "Information Technology" Vol.9, No. 8, June 2000 pp.75-76.

14. –"Tackling on NPAs" in "Facts for You" Nov. 2000, Vol. 21 No. 2 pp.34-37.

15. –"Global Competitiveness and Some Contemporary Issues in Indian Context" in an edited book

"Academic and Industries Interface on Global Competitiveness.

16. –"Globalization and Indian Banking" in an edited book. – "Managing Global Competitiveness –

What Indian Companies Must Do" (Book is the outcome of outstanding-papers selected from IV

Annual 8M Management Paper contest and Conference held on Feb. 17th 2001 by Jagannath

International Management School (JIMS, New Delhi).

17. –“Venture Capital in India: An overview of Entrepreneurship Development” in an edited book

“Management of Research and Development in the New Millenium” from MACMILLIAN INDIA LTD.,

NEW DELHI 2003 pp 650-659.

18. –“Financial Sector Reforms” in an edited book “Economic Reforms in India from First to Second

Generation and Beyond” from Deep and Deep Publication Pvt. Ltd. New Delhi –2003 pp. 268-273

19. –“Risk Management Derivatives” in ’ JIMS 8M’ Vol. 7, NO. 6, April to June 2003 pp. 59-62

20. –“Loan Defaults and Its Impact on Strategic Banking Variables” in an edited book “Emerging

Trends in International Business and Financial Services” Excel Books New Delhi-2004 pp. 272-277

21. –“Corporate Governance: Some Contemporary Issues in Banking Industry” in an edited book

“Corporate Governance” from Deep and Deep publication, New Delhi-2004 pp.357-362.

22. –“Knowledge Management – The Ultimate Need of the Organisation” in Journal “JIMS 8M” Vol. 9,

No. 1, January – March, 2004 pp.30-41.

23. –“ Management Education And Emerging Area in the Changing Scenario.” in an edited book

“Quality of Management Education- The Challenge of changing scenario From Deep and Deep

publication, New Delhi 2005 pp. 121-126.

24. –“Banking Sector Reforms And Performance Evaluation of Public Sector Bank in India” in “Punjab

journal of Business Studies” Vol. 1 No.1 in 2005, pp.11-25

25. -”An Analysis of Operational and Productivity Efficiency of Public Sector Banks in India” in

“Productivity” Vol. 46 No. 2-3,July-December 2005 pp.384-390

26. –“An Analytical study of Physicians Behaviour Towards Marketing of Pharmaceutical Products in

“Indian Journal of Marketing” Vol. ׀, No. 11 , Nov. 2006 pp.10-13

27. –“Agri-Business: Present Status and Future Prospects” in “Annals of Agri Bio Research” An

International Journal of Basic and Applied Agriculture and Biology,Vol.11,No.1, July 2006, pp.117-

120

28. –“Promotional Tools in Pharmaceutical Industry- A Comparative Analysis of Major and Upcoming

Players” in “IPM”, Vol 7, No.2, July-Dec 2006.

29. –“Combating India’s Food Problem by 2020” in “Annals of Agri Bio Research” An International

Journal of Basic and Applied Agriculture and Biology,Vol.11,No.1July 2006 pp.113-116.

30. –“Sales Force Management - A Comparative Analysis Of Major And Upcoming Pharmaceutical

Companies In India” in” The Icfai Journal of Marketing Management”. Vol.6, No. 2, May 2007 pp.57-

65.

31. –“Physicians Perception towards Promotional Tools Offered By Pharmaceutical Industry-A

Comparative Age-Wise Analysis” in “Journal of IPM” Vol.8, No.1, Jan-June 2007, pp.1-11.

32. –“Physicians Perception towards Promotional Tools Offered By Pharmaceutical Industry-A

Comparative Practicing Status Wise Analysis” in “The Icfian Journal of Management Research” Vol

.6 No.8, Aug 2007 pp.7-18.

33. -“Retail Banking- Thrust on Borrowers’ Perception” in “Gurukul Business Review(GBR)” The journal

of FMS , Gurukul Kangri University ,Haridwar. Vol.4,2008, pp.16-20.

34. –“Truth About Consumer Credit Schemes –An Analysis of Borrowers’ Problems” in “The Asian

Economic Review”, Journal of the Indian Institute of Economics, Vol.50,April,2008, No.1,pp.167-174.

35. –“A Comparative Study of Retail Credit Schemes of Selected Banks” in “GITAM Journal of

Management” Vol.6 No.4 ,Oct-Dec 2008 ,pp203-221

36. “An Analytical Study of Growth of Credit Schemes of Selected Banks” in “The Icfai University

Journal of Services Marketing” Vol.VII, No.1, March 2009, pp51-65

37. “Consumer Finance in Indian Banking Scenario- A Comparative Study of Select Banks in Haryana”

in an edited book “Contemporary Researches in Business Management” from Vayu Education of

India, New Delhi 2009, pp. 271-277.

38. “An Analytical Study of Expectations and Perceptions of Bank Borrowers Regarding Service

Quality” in ‘IPM’ vol. 10, no. 2, July –December 2009

39. “Promotional Strategies and Customer Satisfaction Level of Banks” in ‘Journal of Social and

Welfare Management’ an Interdisciplinary International Journal . Vol. 1, No. 4, October to December

2009, pp. 145-154

40. “Grievance Redressal System in Indian Banks” in ‘IME Journal’ Vol. IV, No. 1, January 2010, pp 9-15

41. “Marketing Strategies for Bank Services” in ‘COMDEX TIMES’ a monthly Journal Management Ideas,

Vol. XVI, Issue 01, Jan. 2010, pp 8-11

42. “Technical Analysis of Selectd Scripts of Stock Exchange” ‘South Asian’ Journal of , No. Commerce

and Management, Vol Jan-March, 2010, pp 3-15

43. “Retail Banking (Capatibility Mode)” in ‘MERI-Journal of Management of IT’ Vol 3, No. 2, April 2010,

pp 53-63

44. “Marketing of Banking Services” in ‘Marketing Mastermind’ June 2010, pp 17-21

45. “Customer Satisfaction Level: Sectoral Comparison of Select Banks” in an Edited bank ‘ Exploration

of Business and Management Issues’ Excel Books Publications 2010, pp 230-243

46. Assessing Expectations and Perceptions of Bank borrowers” in an edited book “Exploration

of Business and Management Issues” Excel Books Publications 2010, pp 323-345.

47. “Ethics in Relationship Marketing: An Effective Strategy for Business in Today‟s

Competitive World”. In an edited book “Marketing: Yesterday-Today-Tomorrow” Banayan

Tree Advertising Publication, New Delhi 2011, pp164-175.

48. “Sectoral Comparison of Core Banking Solutions” in an edited book “Business and

Management- Contemporary Research Issues” Macmillan Publisher, New Delhi 2011, pp

533-544.

49. “An Empirical Study on Expectation and Perception of Borrowers about Retail Banking

Service Quality from Bankers Point of View” in an edited book “Business and Management-

Contemporary Research Issues” Macmillan Publisher, New Delhi 2011, pp 545-552.

50. “A Study of Expectation and Perception of Indian Consumer of Public and Private Sector

Banks” in an edited book “Business and Management- Contemporary Research Issues”

Macmillan Publisher, New Delhi 2011, pp 615-626.

51. “Service Quality: An empirical Study of Expectation versus Perception in Retail Banking” in

“GYAN MANAGEMENT” an International Bi-Annual Referred Journal of Management and

Technology, Vol. 5,Issue 1, Jan –June 2011,pp 35-45.

52. “Made in India –India As Brand (Natioin Branding)” in Research Drops „a Peer reviewed

International Journal, Vol1,issue 1,March 2011,pp 176-183

53. “Service Quality in Retail Banking: An Indian Perspective” in “The IUP Journal of

Marketing Management” Vol.x, No.3, August 2011, pp 51-65.

54. “Customer Service in Indian Commercial Banks: An Empirical Study” in “International

Journal of Management and Innovation (IJMI)” Vol.3, Issue 1, 2011.

“Made in India” in “Research Drops”, A Peer Reviewed International Journal, Vol. 1, No. 1

March 2011,pp176-183.

55. “Customer Perception towards CRM Practices in Public Sector Banks in Delhi Region” in an

edited book “Business Management-Key Research Issues”, EXCEL BOOKS NEW DELHI

2012, pp 617-625.

56. “Demographical Impact on Borrower Needs regarding Service Quality in Indian Retail

Banking: Empirical Study” in an edited book “Business Management-Key Research Issues”,

EXCEL BOOKS NEW DELHI 2012, pp 646-659.

57. “Customer Relationship Management: The Practice Every Bank can Bank upon” in an edited

Book Dynamics and Developmental Changes in Business Practices: Innovations,

Globalization and Policies” Kunal Books Publications New Delhi 2012, pp 189-208.

58. “An Empirical Study on Customer Perception towards CRM Practices in Foreign Banks” in

“IJMRS” An International Journal of Management Sciences Vol.1, Issue 2, June 2012, pp

39-

59. “Problems to Do’s: An Empirical Study of General Insurance Companies in India” in “Asia Pacific

Marketing Review”, Dec., 2012.

60. “Analysis of problems encountered by bankers while dealing with customers in Indian Banking

Industry” in an edited book “Management Leadership and Corporate Governance”,

SwastikPublishining House, New Delhi 2013, pp 129-137.

61. “An analysis of gap between customers’ expectations and perceptions regarding selected CRM

Practices in Public and Private sector banks” in “IPU Journal of Bank Management” Vol.4, Issue XII,

Nov. 2013, pp 70-86.

62. “Analysis of Customer Perception towards CRM Practices in Private Sector Banks in Delhi Region” in

“IITM Journal of Management and IT” vol. 3 Issue 2.

63. “Initial Conceptual Framework For Marketing In General Insurance Companies: A Top Managements

Persceptive” in an edited book “Business and Management: Academic and Professional

Percepctive”, Wisdom Publishing House, New Delhi 2013 pp 326-336.”

“Business Management:Current Research Issues, Wisdom Publishing House, New Delhi 2013

PAPERS PRESENTED IN SEMINARS/CONFERENCES

1.–"Redesigning Management Education" in National Seminar on – Managerial Responses to Corporate

Sector in the New Millennium held at MDU, Rohtak in Feb. 17-18, 2000.

2.–"Implications of E-Commerce", in National Seminar on 21st Century Manager and Global Business

Environment held at Gurukul Kangri Vishwavidyalaya, Hardwar on March 11, 2000.

3.–"Contemporary Issues for Corporate Restructuring in the era of E-Commerce" in National Seminar on

Contemporary Issues in Corporate Restructuring in India in the New Millennium held at K.U.K. on March 11-

12, 2000.

4.–"Implications of E-Commerce for Corporate India" in National Seminar on E-Business: Recent Trends,

Projections and its Implications for Corporate India (Vision-2010) held at Shri Atmanand Jain Institute of

Management and Technology, Ambala on April 30, 2000.

64. “Consumer preference towards new retail stores: a theoretical framework” in an Edited book

5.–"Contemporary Issues in Rural Marketing" in Xth Annual Conference of Haryana. Economic Association

held at G.J.U.S & T, Hisar on March 25-26, 2000.

6.–"WTO: Discrimination to Developing Countries" in Xth Annual Conference of Haryana Economic

Association held at G.J.U.S & T, Hisar on March 25-26, 2000

7.–"Global Competitiveness and Some Contemporary Issues in Indian Context" in Academia and Industries

Interface on Global Competitiveness held at K.U.K. on Dec. 23-24, 2000.

8.–"Globalisation and Indian Banking" in 8M Management Paper Contest and Conference on Managing

Global Competitiveness "What Indian Companies must do" held at Jagannath International Management

School New Delhi on 17th Feb., 2001. (Only 9 outstanding papers were selected for presentation from more

than 100 papers).

9.–"Problems and Prospects of Management Education" in National Seminar on Challenges in Higher

Education in India held at G.J.U.S & T Hisar on March 3-4, 2001.

10.–"Kaya Kalap in Pharmaceuticals Industry in the era of Globalisation" in National Seminar on Emerging

Issues in Changing Business Scenario held at TITS, Bhiwani on March 24th, 2000.

11.–"Financial Sector Reforms" in National Seminar on Second Generation Reforms held at Punjab

University, Chandigarh on January 17-18, 2002.

12.–"Corporate Governance- Some Contemporary Issues in Banking Industry" for National Seminar on

"Corporate Governance” held at Punjab University, Chandigarh on March 26-27, 2002.

13.–“Human Rights and Duties: Challenges in the New Millennium” in National Seminar held at G.J.U.S.&T.

Hisar on April 6-7,2002

14.–“Venture capital in India: An overview of Entrepreneurship Development” in an international

conference to be held at IIT, New Delhi on January. 10-11,2003

15.–“New World Trade Regime and SSIs in India” in national seminar on “Problems and Prospects of Small

Scale Industries in North – Western India held at G.J.U Hisar, on March 8-9, 2003.

16.–“Retail Thrust in Banking” in National Seminar organized by Haryana School of business, G.J.U.S & T

Hisar on March 24-25, 2003.

17.–“ Loan Default and Its Impact on Strategic Banking Variables” in National Seminar organized by

Haryana school of business, G.J.U.S & T Hisar on March 24-25,2003.

18.–“Agri Business: Present Status and Future Prospects” presented in National Seminar “ Managerial

Issues in Seamless Economy” held at G.J.U Hisar, on Feb.27-28, 2004.

19.–“Indian Pharma Industry in W.T.O Era: A management perspective.” presented in National Seminar “

Managerial Issues in Seamless Economy” held at G.J.U Hisar, on Feb.27-28, 2004

20.–“Combating India’s Food Problem by 2020” presented in National Seminar on “Develop India: Vision

2020” organized by Punjab University Chandigarh 22 Feb. 2005

21.–“Banking Sector Reforms and Performance Evaluation of Public Sector Banks in India” presented in

National Seminar on “Financial Sector Reform: Contemporary Issues and Challenges” organised by Punjabi

University, Patiala on February 10-11, 2005

22.–“Marketing Aspects of Financial Services” presented in the National Seminar on “Management of

Financial Services” organised by G.J.U.S & T Hisar on 19th March 2005

23.–“Retail Banking: Marketing Strategies for Success.” presented in the National Seminar on

“Management of Financial Services” organised by G.J.U.S & T Hisar on 19th , March 2005

24.–“Analysis of Borrowers Perception Regarding Consumer Credit Schemes of Different Banks” presented

in National Seminar on “Indian Economy-Emerging Challenges in Globalised Regime” organised by D.A.V.

College Pehowa on Nov.18-19,2006

25.–“Consumer Credit Schemes-An Empirical Study of Different Banks” presented in National Seminar on

“Emerging Trends in Service Sector: Issues and Challenges” on 24th Nov.2006 in S.A. Jain College, Ambala City

26.–“Housing Finance-An Outlook” presented in National Seminar on “Emerging Issues in Capital Market”

organised by K.U.K. on 17th March 2007

27.–“Customer Service Issues in the Banking Sector” presented in National Seminar on “The Changing Face

of Banking Industry in India: Some Strategic Issues” organised by G.J.U.S & T Hisar on 20th March ,2007”

28.–“Retail Banking: A Focus” presented in National Seminar on “The Changing Face of Banking Industry in

India: Some Strategic Issues” organized by G.J.U.S & TS.&T. Hisar on 20th March ,2007

29.–“Retail Banking-Thrust on Home Loans” presented in National Seminar on “The Changing Face of

Banking Industry in India: Some Strategic Issues” organized by G.J.U.S & TS.&T. Hisar on 20th March ,2007

30.–“Ethical Issues in Marketing” presented in National Seminar on “Human Values for Excellence in

Governance Management” organized by G.J.U.S & TS.&T. Hisar ,on 30th March,2007

31.–“Declared Best Paper “Influence of Promotional Tools Offered by Pharmaceutical Industry” presented

in National Conference on “Research Paper Presentation Designing And Implementing Marketing Strategies”

organized by All India Management Association Centre for Management Education on 22nd May,2007.

32.–“Analytical Study of Retail Banking in Indian Scenario with Special Reference to Haryana District”

presented in International Seminar on “Perspectives in Strategic Management” organized by K.U.K, on

Nov.23-24, 2007.

33.-“Customer Satisfaction Regarding Home Loan –A Comparative Study of ICICI Bank and SBI Bank”

presented in a National Conference on “Managing Growth of Indian Economy” organized by J.C.D.

Vidyapeeth, Sirsa on March 5th, 2008

34.-“ Consumer Finance in Indian banking scenario- A Comparative Study of Select Banks in Haryana” in

National Conference on “ Business and Management” organized by GJU S & T, Hisar on 19-21 March ,2009.

35.-“ An Analytical Study of Growth of Credit Schemes of Selected Banks- A Study of Haryana” in National

Conference on “ Business and Management” organized by GJU S & T, Hisar on 19-21 March, 2009.

36.-“ A Sectoral Comparison of Saving and Investment Pattern in India” in National Conference on “

Business and Management” organized by GJU S & T, Hisar on 19-21 March , 2009.

37- “Promotional Strategy and Customer Satisfaction Level of Banks in An International Conference” on

‘Management Next – Paradigms and Innovations’ organized by GJIMT, Mohali on 19-20 Feb. 2010

38- “A Sectoral Comparison of Saving and Investment Pattern in India” in National Conference on “

Business and Management” organized by GJU S & T, Hisar on 19-21 March , 2009.

39. –“Comparative Growth of General Insurance Companies” in National Conference on ‘Business

Management’ organized by HSB, GJUS&T, Hisar on 26-27 March, 2010

40. –“Assessing Expectations and Perceptions of Bank Borrowers” in National Conference on ‘Business

Management’ organized by HSB, GJUS&T, Hisar on 26-27 March, 2010

41 -–“Customer Satisfaction Level –Sectoral Comparison of Selected Banks” in National Conference on

‘Business Management’ organized by HSB, GJUS&T, Hisar on 26-27 March, 2010

43. Financial Sector Reforms. In National Seminar on “Second Generation Reforms” held at

Punjab University, Chandigarh on January 17-18, 2002.

44. Corporate Governance- Some Contemporary Issues in Banking Industry. In National

Seminar on "Corporate Governance” held at Punjab University, Chandigarh on March 26-

27, 2002.

45. Human Rights and Duties: Challenges in the New Millennium. In National Seminar held

at G.J.U.S.&T. Hisar on April 6-7,2002

46. Venture capital in India: An overview of Entrepreneurship Development. In an

International Conference to be held at IIT, New Delhi on January. 10-11,2003

47. New World Trade Regime and SSIs in India. In National Seminar on “Problems and

Prospects of Small Scale Industries in North – Western India” held at G.J.U Hisar, on March

8-9, 2003.

48. Retail Thrust in Banking. In National Seminar organized by Haryana School of business,

G.J.U.S & T Hisar on March 24-25, 2003.

49. Loan Default and Its Impact on Strategic Banking Variables. In National Seminar

organized by Haryana school of business, G.J.U.S & T Hisar on March 24-25, 2003.

50. Agri Business: Present Status and Future Prospects. In National Seminar on “Managerial

Issues in Seamless Economy” held at G.J.U Hisar, on Feb.27-28, 2004.

51. Indian Pharma Industry in W.T.O Era: A management perspective. In National

Seminar on “Managerial Issues in Seamless Economy” held at G.J.U Hisar, on Feb.27-28,

2004

52. Combating India’s Food Problem by 2020. In National Seminar on “Develop India: Vision

2020” organized by Punjab University Chandigarh 22 Feb. 2005

53. Banking Sector Reforms and Performance Evaluation of Public Sector Banks in India.

In National Seminaron “Financial Sector Reform: Contemporary Issues and

Challenges”organised by Punjabi University, Patiala on February 10-11, 2005

54. Marketing Aspects of Financial Services. In National Seminar on “Management of

Financial Services”organised by G.J.U.S & T Hisar on 19th March 2005

55. Retail Banking: Marketing Strategies for Success. In National Seminar on “Management

of Financial Services” organised by G.J.U.S & T Hisar on 19th

, March 2005

56. Analysis of Borrowers Perception Regarding Consumer Credit Schemes of Different

Banks. In National Seminar on“Indian Economy-Emerging Challenges in Globalised

Regime”organised by D.A.V. College Pehowa on Nov.18-19,2006

57. Consumer Credit Schemes-An Empirical Study of Different Banks. In National Seminar

on “Emerging Trends in Service Sector: Issues and Challenges”on 24th

Nov.2006 in S.A.

Jain College, Ambala City

58. Housing Finance-An Outlook. In National Seminar on “Emerging Issues in Capital

Market”organised by K.U.K. on 17th

March 2007

59. Customer Service Issues in the Banking Sector. In National Seminar on “The Changing

Face of Banking Industry in India: Some Strategic Issues”organised by G.J.U.S & T Hisar

on 20th

March ,2007”

60. Retail Banking: A Focus. In National Seminar on “The Changing Face of Banking Industry

in India: Some Strategic Issues” organized by G.J.U.S & TS. &T. Hisar on 20th March, 2007

61. Retail Banking-Thrust on Home Loans. In National Seminar on “The Changing Face of

Banking Industry in India: Some Strategic Issues” organized by G.J.U.S & TS. &T. Hisar on

20th March, 2007

62. Ethical Issues in Marketing. In National Seminar on“Human Values for Excellence in

Governance Management”organized by G.J.U.S & TS.&T. Hisar ,on 30th

March,2007

63. Declared Best Paper: Influence of Promotional Tools Offered by Pharmaceutical

Industry. In National Conference on “Research Paper Presentation Designing And

Implementing MarketingStrategies” organized by All India Management Association Centre

for Management Education on 22nd May,2007.

64. Analytical Study of Retail Banking in Indian Scenario with Special Reference to

Haryana District. In an International Seminar on “Perspectives in Strategic Management”

organized by K.U.K, on Nov.23-24, 2007.

65. Customer Satisfaction Regarding Home Loan –A Comparative Study of ICICI Bank

and SBI Bank. In National Conference on “Managing Growth of Indian Economy”

organized by J.C.D. Vidyapeeth, Sirsa on March 5th, 2008

66. Consumer Finance in Indian banking scenario- A Comparative Study of Select Banks

in Haryana. In National Conference on “Business and Management” organized by GJU S &

T, Hisar on 19-21 March, 2009.

67. An Analytical Study of Growth of Credit Schemes of Selected Banks- A Study of

Haryana. In National Conference on “Business and Management” organized by GJU S & T,

Hisar on 19-21 March, 2009.

68. A Sectoral Comparison of Saving and Investment Pattern in India. In National

Conference on “Business and Management” organized by GJU S & T, Hisar on 19-21

March , 2009.

69. Promotional Strategy and Customer Satisfaction Level of Banks. In an International

Conference on „Management Next – Paradigms and Innovations‟ organized by GJIMT,

Mohali on 19-20 Feb. 2010

70. A Sectoral Comparison of Saving and Investment Pattern in India. In National

Conference on “Business and Management” organized by GJU S & T, Hisar on 19-21 March

, 2009.

71. Comparative Growth of General Insurance Companies. In National Conference on

“Business Management” organized by HSB, GJUS&T, Hisar on 26-27 March, 2010

72. Assessing Expectations and Perceptions of Bank Borrowers. In National Conference on

“Business Management” organized by HSB, GJUS&T, Hisar on 26-27 March, 2010

73. Customer Satisfaction Level –Sectoral Comparison of Selected Banks. In National

Conference on “Business Management” organized by HSB, GJUS&T, Hisar on 26-27

March, 2010

74. Service Quality: An Empirical Study of Expectation Versus Perception in Retail

Banking. In an International Seminar on “Economic, Cultural and Political Viability of

Asian in Global Environment-Issues and Challenges”, organized by J.V.JAIN Degree

College Saharanpur(UP) on 12-13 March 2011.

75. An Analytical Study of SBI Mutual Funds in India. In an International Seminar on

“Economic, Cultural and Political Viability of Asian in Global Environment-Issues and

Challenges”, organized by J.V.JAIN Degree College Saharanpur(UP) on March 2011.

76. Sectoral Comparison of Core Banking Solutions. In Annual National Conference on

“Business and Management” Organized by HSB GJUS&T Hisar on 10-11March 2011.

77. An Empirical Study on Expectation and Perception of Borrowers about Retail Banking

Service Quality from Bankers Point of View. In Annual National Conference on “Business

and Management” Organized by HSB GJUS&T Hisar on 10-11March 2011.

78. A Study of Expectation and Perception of Indian Consumer of Public and Private

Sector Banks. In Annual National Conference on “Business and Management” Organized

by HSB GJUS&T Hisar on 10-11March 2011.

79. Management of Non -Performing Assets in Public Sector Banks of India. In Annual

National Conference on “Business and Management” Organized by HSB GJUS&T Hisar on

10-11March 2011.

80. Team Building: An Effective Tool Conquer Change in an Organization. In National

Conference on “Human Resource Challenges in 21st Century: Problems of Public and

Private Sector Enterprises” Organized by JIET Department of Management Studies, Jodhpur

on 28-29 Jan 2011.

81. A study of Adjectival Tourism: A Need Based View of Contemporary Tourism Options.

In National Conference on “Emerging Trends in Hospitality and Tourism” Organized by

Institute of Hotel and Tourism Management ,MDU Rohtak on 9-10 April 2011.

82. India As a Brand. In Management Conference- Panache Organized by Sir

PadampatSinghaniaUniversity,Udaipur on 9th

Jan 2011.

83. Rural Marketing: A Competitive Strategy for Sustainable Development. In National

Conference on “Emerging issues in Marketing: Challenges and Perspectives” Organized by

BanarsidasChandiwalaIstitute of Professional Studies New Delhi on 5th

Feb 2011.

84. Customer Service: The Brand Ambassador for Banks. In National Seminar on “Global

Competitiveness of Indian Business”Organised by University School of Management,

K.U.K. on 12th

Feb 2011.

85. Customer Perception towards CRM Practices in Public Sector Banks in Delhi Region.

In Annual National Conference on “Business and Management” Organized by HSB

GJUS&T Hisar on 9-10 Feb2012.

86. Demographical Impact on Borrower Needs regarding Service Quality in Indian Retail

Banking: Empirical Study. In Annual National Conference on “Business and

Management” Organized by HSB GJUS&T Hisar on 9-10 Feb2012.

87. Customer Relationship Management: The Practice Every Bank can Bank upon. In

National Seminar on “Dynamics and Developmental Changes in Business Practies”

Organized by Institute of Information Technology and Management New Delhi on 25-

feb2012.

88. “Initial Conceptual Framework For Marketing In General Insurance Companies: A Top

Managements Persceptive” in National Conference on „Business Management‟ organized by

HSB, GJUS&T, Hisar on 7-8 Feb., 2013.

89. “Satisfaction Of Management Students and Academicians In Universities: A Theortical

Framework ” in National Conference on „Business Management‟ organized by HSB,

GJUS&T, Hisar on 7-8 Feb., 2013.

90. “Performance Appraisal Of Retail banking Products In Indian Commercial Banks: A Case

Study Of Haryana” in National Conference on „Business Management‟ organized by HSB,

GJUS&T, Hisar on 7-8 Feb., 2013.

91. “Banking Facilities To The Customers- A Sectoral Comparison Of Banks In India” in

National Conference on „Business Management‟ organized by HSB, GJUS&T, Hisar on 7-8

Feb., 2013.

92. “Adjectival Tourism In Delhi; A Variety Experience” in National Conference on „Business

Management‟ organized by HSB, GJUS&T, Hisar on 7-8 Feb., 2013

93. Consumer preference towards new retail stores: a theoretical framework” in National

Conference on „Business Management‟ organized by HSB, GJUS&T, Hisar on 6-7 Feb.,

2014.

94. “Online promotional tools to attract and retain customers” in National Conference on

„Business Management‟ organized by HSB, GJUS&T, Hisar on 6-7 Feb., 2014.

(Prof.Usha Arora) Haryana School of Business,

Guru Jambheshwar University of Science &Technology,

Hisar (Haryana)