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Academic Experts
Prof. Mukta Mani
Professor
mukta.mani@jiit.ac.in
Biography

Dr Mukta Mani is a seasoned academician and researcher with over 22 years of experience in teaching and research in management education, specialising in Finance. She has been serving as a Professor at Jaypee Institute of Information Technology (JIIT), Noida, since October 2005. Her academic journey includes a Bachelor of Science, an MBA in Finance, a PhD in Management and an Executive program in Quantitative Finance and Risk Mitigation from IIM Sirmaur.

She has made significant contributions to Finance research, authoring over 50 papers published in reputed national and international journals indexed in reputed databases such as Scopus, Web of Science and ABDC. Besides, she has presented her research work in reputed national and International conferences and published as book chapters. Her academic rigour is demonstrated through a major research project on Financial Inclusion, funded by the Indian Council of Social Science Research (ICSSR). Her academic mentoring includes supervision of several PhD and Master's theses covering diverse topics such as digital payments, mutual fund performance, banking human capital, Goods and Services Tax and crypto-financial interlinkages. Her editorial roles in the International Journal of E-Entrepreneurship and Innovation and the International Journal of Corporate Finance and Accounting reflect her standing in the research community.

Dr Mukta is a certified professional with additional qualifications, including NISM certification, a diploma in Business Finance (ICFAI), and completion of various Coursera courses in fintech and blockchain. She is a qualified UGC-NET and JRF awardee and has also cleared the UP-SLET examination.

Over the years, she has taught core and advanced finance courses such as Financial Accounting, Financial Management, International Finance, Managerial Economics, and Money, Banking and Finance to undergraduate and postgraduate students. She has also taken on significant administrative roles at JIIT, including Department Coordinator, Convenor of the Stakeholder Relationship Committee, Member of the Proctorial Board, MOOC Course Coordinator, Member of the Institutional Quality Assurance Cell (IQAC), and NBA Accreditation Coordinator. Her contributions in these roles reflect her deep commitment to academic governance, quality assurance, and curriculum enhancement. Beyond academia, she actively engages in capacity-building initiatives, delivering invited lectures and workshops in Finance for Non-Finance Executives and Managing Personal Finance. Dr Mukta’s work bridges the academic and practical aspects of finance, establishing her as a dedicated contributor to India’s financial education and research landscape.

Research Highlights

Dr. Mukta Mani has made impactful contributions to the domains of finance, banking, and financial markets through over two decades of sustained research. Her work reflects a balance of academic rigor and practical relevance, focusing on financial inclusion, investment behavior, mutual funds, and corporate finance.

A key achievement is her ICSSR-funded major research project on Financial Inclusion, which examined access to banking and financial services among underprivileged communities. This study analyzed the effectiveness of government policies, challenges in last-mile connectivity, and the role of technology-enabled solutions such as mobile banking and digital payment platforms in fostering inclusion.

She has published over 40 research papers in national and international journals. These include studies on risk–return trade-offs in mutual funds, comparative analysis of public vs. private sector banks, investor perception of financial instruments, and the role of financial literacy in market participation. Her empirical studies often combine survey-based primary data with statistical and econometric techniques, offering evidence-based insights for policymakers and industry.

Dr. Mani has supervised many PhD scholars, guiding their research on topics such as capital market efficiency, financial decision-making, and performance evaluation of investment vehicles.

Areas Of Interest
  • Financial Inclusion and Financial Literacy
  • Sustainable Finance
  • Financial Markets and FinTech
  • Mutual Funds and Investment Analysis
  • Banking Efficiency and Performance
Publications

International Journal

  1. Maheshwari, T. and Mani, M. “Impact of goods and services tax on various sectors of Indian economy: a systematic literature review”, International Journal of Economic Policy in Emerging Economies, Vol.17, Issue 4, pp. 539-555, July 2023. DOI: 10.1504/IJEPEE.2021.10036105. ISSN: 1752-0452 (Indexed in SCOPUS, Indexed in ABDC C Category)

  2. Agrawal, A, Mani, M. and Varshney, S. “A Comprehensive Study of Bitcoin in Modern Finance: A Theoretical Framework”, Bimaquest - Vol. 23 Issue 1, January 2023, pp. 05-21.

  3. Agrawal, A, Varshney, S and Mani, M. “Bitcoin forecasting performance measurement: A comparative study of econometric, machine learning, and artificial intelligence-based models”, Journal of International Commerce, Economics and Policy, Vol. 14, Issue.1, February 2023, pp. 1-18, World Scientific Publication. DOI: 10.1142/S1793993323500084 (Indexed in SCOPUS and WoS ESCI). (JCI impact factor 2021- 0.31)

  4. Agrawal, A, Varshney, S and Mani, M. “Interconnection among Cryptocurrency, Commodity and Stock Indices: A Study in the Light of Binance Coin”, International Journal of Business Excellence, Inderscience Publication. DOI: 10.1504/IJBEX.2022.10053482. (Indexed in SCOPUS).

  5. Agrawal, A, Varshney, S and Mani, M. “Pre and During Covid-19 Pandemic Study of Bitcoin Price against Major Fiat Currencies of the World”, International Journal of Business Innovation and Research, Inderscience Publication. DOI: 10.1504/IJBIR.2022.10053483 (Indexed in SCOPUS).

  6. Lakhaiyar, S and Mani, M. “Factors Influencing Adoption of Digital Payment Systems During COVID-19”, International Journal of Sociotechnology and Knowledge Development, Volume 14, Issue 1, December 2022. IGI Global Publications. DOI: 10.4018/IJSKD.315292 (Indexed in SCOPUS). ISSN: 1941-6253

  7. Mani, M. and Agrawal, R. “Payment Banks in India: Insights from the Customers’ Perception”, International Journal of Asian Business and Information Management, Vo. 13, Issue 1, 1-15, 15th April 2022. DOI: 10.4018/IJABIM.297851, ISSN: 1947-9638 (Indexed in SCOPUS, Web of Science ESCI)

  8. Mani, M. “Sustainability Practices and Reporting: A Comparative Analysis of Top Ten Indian Banks”, Sustainability and Climate Change, Vol. 15 No. 1, Mary Ann Liebert Publication, February 2022. ISSN: 2692-2932 DOI: 10.1089/scc.2021.0073 (Indexed in SCOPUS).

  9. Mani, M. “A Qualitative Study on Financial Inclusion Initiatives in India: Experiences of Bank Managers”, International Journal of Social Ecology and Sustainable Development, Vol. 14, Issue 4, 1-10, 14th January 2022. ISSN: 1947-8402 DOI: 10.4018/IJSESD.289217. (Indexed in SCOPUS).

  10. Mani, M. “Financial Inclusion Through Financial Literacy: Evidence, Policies, and Practices”, International Journal of Social Ecology and Sustainable Development, 13(1), 1-12, 10th December 2021. http://doi.org/10.4018/IJSESD.2022010102. (Indexed in SCOPUS).

  11. Maheshwari, T and Mani, M., “Benefits of Goods and Services Tax implementation in India: An analytical hierarchy process approach”, Journal of Public Affairs, pp. e2578, December 2020. https://doi.org/10.1002/pa.2578. (Indexed in ABDC B Category and SCOPUS, Web of Science ESCI).

  12. Maheshwari, T and Mani, M. “Consumer Awareness and Perception Towards Goods and Services Tax Implementation in India: A Study in National Capital Region”, The IUP Journal of Accounting Research and Audit Practices, Vol. XVIII, No. 2, pp. 76- 88, April 2019. ISSN: 0972-690X. (Indexed in ABDC C Category)

  13. Mani, M. “Financial Inclusion in North India: Status and Insights”, The IUP Journal of Bank Management, IUP Publications, Vol. 18th, No.1, 27-48, February 2019. ISSN. 0972-6918

  14. Goel, S and Mani, M., “Performance Appraisal of Indian Mutual Fund Using DEA” International Journal of Research in Social Sciences, Vol. 9, Issue(1), January 2019, ISSN: 2249-2496.

  15. Mani, M. “Financial Inclusion in South Asia—Relative Standing, Challenges and Initiatives”, South Asian Survey, Sage Journals, Vol 23, Issue 2, pp. 158 – 179, July, 2018 doi: 10.1177/0971523118783353. ISSN: 09715231

  16. Goel, S and Mani, M., “ Efficiency measurement of open-ended mutual fund schemes with respect to Indian mutual fund industry”, International Journal of Financial Services Management, 2018 Vol.9, No.2, pp.140 – 167. DOI: 10.1504/IJFSM.2018.092593 (Indexed in EBSCO and ABDC C Category ) ISSN. 1741-8062 (UGC CARE List I)

  17. Goel, S, Mani, M., “Prediction of Future Performance of Mutual Funds on the Basis of Past Performance”, International Journal of Advances in Management and Economics, Vol.5, Issue-3, 32-40, June 2016, ISSN: 2278-3369

  18. Mani, M., Efficiency of Commercial Banks in India: A DEA Approach, Pertanika Journal of Social Sciences and Humanities, Universiti Putra Malaysia Press, Vol. 24 (1), 151 – 170, March 2016. ISSN: 0128-7702. (Indexed in SCOPUS)

  19. Mani, M., Entrepreneurship Education: A Students' Perspective. International Journal of E-Entrepreneurship and Innovation (IJEEI), Volume-5, Issue-1, pp. 1-14, June 2015. ISSN: 1947-8585; EISSN: 1947-8593 (Indexed in DBLP)

  20. Mani, M., “Corruption and Financial Markets in India”, International Journal of Research & Development in Technology and Management Sciences, Volume-21, Issue-2, June 2014, ISBN 1-63102-446-9.

  21. Mani, M., “A Study on Growth of Financial Markets in India”, International Journal of Business and General Management, International academy of Science, engineering and Technology, Vol- 3, Issue-3, pp. 59-66, July- 2014. ISSN 2319-2267.

  22. Mani, M., “Motivation, Challenges and Success Factors of Entrepreneurs: An Empirical Analysis”, Pertanika Journal of Social Sciences & Humanities, Universiti Putra Malaysia Press, Vol. 21 (2), pp. 679 – 688, June 2013, ISSN: 0128-7702. (Indexed in SCOPUS)

  23. Sharma, E. and Mani, M., “Corporate Social Responsibility: An Analysis of Indian Commercial Banks” AIMA Journal of Management and Research, Issue 25th, Vol. VII, No. 1, February 2013, ISSN 0974-497.

  24. Sharma, E. and Mani, M., “Development of Performance Model for Commercial Banks in India” Asia Pacific Journal of Research in Business Management, Sri Krishna International Research & Educational Consortium, Issue 5th, Vol. IV, No. 1, May 2013, ISSN 2229-4104.(Indexed in EBSCO)

  25. Goel S, Sharma R and Mani M., “A Study of Performance and Characteristics of Open-Ended Mutual Funds”, Asian Journal of Management Research, Vol. 3, No. 1, pp. 116-124. 2012.(Indexed in EBSCO) ISSN 2229-3795

  26. Goel S, Mani M and Sharma R., “Investment Style and Performance of Mutual Funds: An Empirical Analysis”, International Journal of Business Economics & Management Research, Vol. 3, No. 9, pp. 1-13. 2012. .(Indexed in EBSCO and ProQuest) ISSN 2229-4848

  27. Goel S, Mani M and Sharma R., “A Review of Performance Indicators of Mutual Funds” Researchers World, International Journal of Arts, Science and Commerce, Vol. III, Issue 4(1), pp. 100-107.2012.(Indexed in EBSCO) ISSN 2231-4172

  28. Mani M and Bindu Arora. "Determinants of Capital Adequacy of Banks in India: Empirical Approach", Finance India, Indian Institute of Finance, Vol XXVI, No 4, December 2012. pp. 1215-1222. (ISSN 0970-3772) (Indexed in ABDC C Category)

  29. Mani, M, “Parameters of Rating of Indian Commercial Banks- A Critical Analysis”, International Journal of Research in Commerce, IT & Management, Vol. 1, Issue 2, July 2011 (ISSN 2231-5756).(Indexed in ProQuest)

  30. Sharma, E. and Mani, M., “Impact of macroeconomic and financial market indicators on the banking sector” International journal of research in finance and marketing, Vol.2, Issue 2, February 2012. ISSN 2231-5985.

  31. Sharma, E. and Mani, M., “A Comparative Analysis of Human Capital Efficiency of Public and Private Banks in India” Research Journal of Finance and Accounting, Vol.3, Issue 1, January 2012, ISSN 2222-2847. (Indexed in EBSCO, ProQuest )

  32. Sharma, E. and Mani, M., “Study of Performance Indicators of Banks- A Review of Literature” Academicia, Vol.1, Issue 3, December 2011. ISSN 2249 –7137. (Indexed in Ulrich's Periodicals Directory, ProQuest, Cabell's Directory of Publishing)

  33. Sharma, E. and Mani, M., “A Comparative Analysis of Employee Satisfaction in Indian Commercial Banks”, IUP Journal of Organizational Behavior, Vol. XI, No. 4, pp. 38-61, October 2012 .(Indexed in EBSCO and ProQuest) ISSN 0972-687X