Dr. Aishwarya Mitra: Assistant Professor at Institute of Management, Nirma University, Ahmedabad, Gujarat, India
Dr. Aishwarya Mitra is a dedicated academician and researcher in the field of Finance, currently serving as an Assistant Professor (Level 10) at Nirma University, Ahmedabad. She has a strong academic foundation in accounting and financial management, complemented by her doctoral research at the National Institute of Technology (NIT), Durgapur, where she focused on Financial Literacy and Financial Inclusion in the Indian Context. With diverse teaching experience across reputed institutions, Dr. Mitra is deeply committed to advancing financial awareness, inclusion, and behavioral finance research in India. Her academic philosophy centers on blending conceptual understanding with applied research to enhance learning outcomes and promote inclusive financial systems.
Online Profiles
Google Scholar Profile
As of now, Dr. Aishwarya Mitra has made measurable contributions to the field of finance, reflected in her research impact metrics:
Total Citations: 16 (all since 2020)
h-index: 2
i10-index: 1
These metrics demonstrate the recognition of her scholarly work in financial literacy, behavioral finance, and financial inclusion, with ongoing citations indicating the relevance and applicability of her research in academic and professional circles.
Education
Dr. Mitra earned her Ph.D. in Finance from NIT Durgapur (2020–2025), where her research explored how financial literacy, inclusion, and behavior interact to enhance financial well-being among Indian households and professionals. She completed her M.Com (Finance) with a CGPA of 7.79 and B.Com (Accountancy) with 70.23% from Ravenshaw University, one of Odisha’s premier institutions. Additionally, she qualified the UGC NET (2018) examination and cleared both CA-CPT and CA-Intermediate (Group I & II) from the Institute of Chartered Accountants of India (ICAI). This strong combination of academic and professional credentials reflects her deep understanding of both theoretical and practical dimensions of finance.
Research Focus
Her primary research interests lie in financial literacy, financial inclusion, behavioral finance, financial well-being, and retirement planning behavior. Dr. Mitra investigates how individuals’ financial knowledge and self-efficacy shape their financial decisions, coping mechanisms, and overall satisfaction with life. Her work combines behavioral insights with quantitative methods such as Structural Equation Modeling (SEM), SmartPLS, and AMOS, to empirically validate theoretical models in finance. She also explores the role of digital financial literacy and fintech adoption in improving access to financial products and services, particularly among underserved populations and the Indian IT workforce.
Experience
Dr. Mitra’s academic journey includes roles at Amity University, Ranchi and Sri Sri University, Cuttack, where she taught a wide range of finance and management subjects to undergraduate and postgraduate students. Her teaching expertise spans Accounting for Decision Making, Financial Management, Financial Reporting and Analysis, Business Law, and Project Finance. Beyond teaching, she has supervised multiple student research projects, served as a mentor under institutional mentorship programs, and taken on administrative responsibilities such as coordinating student activities and clubs. Her approach to pedagogy emphasizes experiential learning, analytical rigor, and the practical application of financial theories in contemporary business environments.
Research Timeline & Activities
Between 2020 and 2024, Dr. Mitra’s doctoral journey at NIT Durgapur was marked by extensive research activity, including paper presentations at top-tier national and international conferences hosted by IIM Mumbai, IIM Bangalore, IIM Kozhikode, IIM Kashipur, and IIT Roorkee. She has published in Scopus and ABDC-ranked journals and contributed significantly to departmental academic initiatives, including organizing the Management Doctoral Research Consortium (MDRC 2024). Dr. Mitra has attended over 30 national and international workshops, FDPs, and webinars on advanced research methods, data analytics, and SEM tools like R, SmartPLS, and AMOS, reflecting her commitment to continuous learning and methodological excellence.
Awards & Honors
Dr. Mitra has been recognized for her academic excellence and professional qualifications, including UGC-NET (2018) certification in Commerce and successful completion of CA-Intermediate and CA-CPT examinations by the Institute of Chartered Accountants of India (ICAI). Her strong quantitative and analytical background has been instrumental in her research and teaching. She has received appreciation for her active participation in various management conferences and has contributed to academic communities through mentoring, club leadership, and research collaborations. These achievements underscore her dedication to academic excellence, professional integrity, and institutional contribution.
Top Noted Publication
Among her prominent scholarly contributions, the paper titled “Empowering Financial Choices: How Financial Literacy and Behavioral Bias Shape Access to Financial Products & Services” published in the International Journal of Accounting and Information Management (Scopus; ABDC-B) stands out as a significant contribution to behavioral finance research. Her other notable publications include “Financial Literacy and Its Impact on Life Satisfaction in Rural Households” in the Journal of Indian Business Research, and “What Can Enhance the Financial Well-being of IT Professionals?” in the Journal of Financial Services Marketing (ABDC-B). These works collectively highlight her empirical exploration of financial literacy’s role in promoting financial capability, inclusion, and life satisfaction among diverse Indian demographics.
Financial literacy and its impact on life satisfaction in rural households: a mediated approach via financial self-efficacy – A Mitra, A De, Journal of Indian Business Research, 16(3), 353–374, 2024, Cited by 10
Enhancing life satisfaction through financial literacy and behavior: Insights from the Indian IT sector – A Mitra, A De, Journal of Workplace Behavioral Health, 40(2), 213–250, 2025, Cited by 5
Empowering financial choices: how financial literacy and behavioral bias shape access to financial products and services – A Mitra, A De, International Journal of Accounting & Information Management, 2025, Cited by 1
Financial well-being in the IT sector: investigating the role of financial behaviour and planning – A Mitra, S Mohanty, S Priyadarshini, Journal of Financial Services Marketing, 30(4), 1–18, 2025
Strength for the Young Researcher Award
1. Strong Academic and Professional Foundation
Ph.D. in Finance from NIT Durgapur (2020–2025) focusing on financial literacy, inclusion, and behavior in India.
M.Com (Finance) and B.Com (Accountancy) from Ravenshaw University.
Qualified UGC NET (2018) and CA-CPT & CA-Intermediate (ICAI).
Blend of theoretical rigor and practical financial expertise.
Strength Highlight: Solid academic credentials with a professional accounting qualification make her research both rigorous and applicable.
2. Research Productivity and Impact
Total Citations: 16 (since 2020)
h-index: 2, i10-index: 1
Published in Scopus and ABDC-ranked journals (e.g., International Journal of Accounting & Information Management, Journal of Financial Services Marketing).
Research covers financial literacy, behavioral finance, financial inclusion, and financial well-being.
Strength Highlight: Early-career recognition in quality journals with measurable scholarly impact.
3. Specialized Research Expertise
Focus on behavioral finance, financial literacy, financial self-efficacy, digital finance, and retirement planning.
Uses advanced quantitative methods: Structural Equation Modeling (SEM), SmartPLS, AMOS, R.
Empirical research in diverse populations: rural households, IT professionals.
Strength Highlight: Ability to bridge theory, empirical analysis, and real-world financial behavior.
4. Teaching and Mentorship Excellence
Experience at Amity University, Sri Sri University, and now Nirma University.
Teaches Accounting, Financial Management, Financial Reporting, Business Law, Project Finance.
Mentored students and coordinated academic clubs and research projects.
Strength Highlight: Proven ability to translate complex research into effective teaching and mentoring.
5. Active Engagement in Research Community
Presented at IIMs (Mumbai, Bangalore, Kozhikode, Kashipur) and IIT Roorkee.
Participated in 30+ national and international workshops, FDPs, and webinars.
Organized Management Doctoral Research Consortium (MDRC 2024).
Strength Highlight: High engagement in academic community and professional development, reflecting leadership potential in research.