Dr. K. R. Swain obtained his M.Com, MBA, MSW, LL.B and holds Ph.D. from Utkal University. He has been contributing articles to various national and international journals. He is an Asst. Prof. (Finance) at the Institute of Professional Studies and Research (IPSAR), approved by AICTE and affiliated to BPUT, Odisha. He has been associated with the academics over 10 years and has been associated with Utkal University of culture and other management institute as a visiting faculty. Besides this he has deep interest in various aspect of financial Consultant, Case analysis workshop, team-building, etc.