Dr. Tinu Anand is a doctorate of philosophy in management (Ph.D) in Finance, Master of Business Administration (MBA), Master of Commerce (Mcom) and Bachelor of Business Administration (BBA) Industry integrated. She holds Post Graduate Diploma in Management (PGDM) in finance and International Business from Fortune institute of international Business. Her area of research interests are banking and finance. She has presented numerous papers at various international and national conferences and seminars, and to add to her credit are a patent and a book on banking principles. She has two years of industry experience in addition to her 13 years of teaching experience.