Dr. Sachin H. Lad is an Assistant Professor at the Department of Business Administration in Venkateshwara Shikshan Sanstha , Peth . The author has been recognized for the award of Doctorate of Philosophy in the faculty of Commerce and Management by Shivaji University, Kolhapur. He has completed M.B.A., M. Com., M. phil. degree. His current areas of interest include Financial Management, Business Economics, Research methodology and Marketing Management He has presented papers at various national and international conferences and has a number of publications to his credit. He has been involved in delivering invited talks to various colleges. e-mail: [email protected]