Jaydipsinh R. Desai is an Assistant Professor at Ganpat University-V. M. Patel Institute of Management, Gujarat, India. He is pursuing his Ph.D in the area of micro finance and Financial Inclusion. He is having more than 10.4 years of Academic and Industrial experience including with HDFC Bank ltd for 8 months He has accomplished a certificate course in Post Graduate Diploma in Research methodology from VNSGU, Surat. He has also cleared UGC NET Examination in Management.Mr.JAYDIPSINH has published papers in several major international and national UGC Care Listed as well as referred journals. His research papers have also been presented in several international and national conferences; his one of the research paper has been awarded as “BEST PAPER” in 5th International conference on “Contemporary Trends in Capital Market” organized by K.S.R College of Arts & Science for Women, Tiruchengode, Salem on 19th September, 2019. He also attended several FDPs, STTPs, Refresher Course, National and International Level Workshops, Seminars and Webinars as well. In the month of May 2017, he went to Sri Lanka to present his research paper in the 5th International Conference on Contemporary Issues in Agriculture, Engineering, Management, Information Technology & Life Science held at Kandy, Sri Lanka during 11th to 15th May, 2017.