Prof. Ambika Prasad Pati

Commerce Department

Designation: Professor


M Com, M Phil, Ph.d, LLB (Utkal University), AICWA (ICWAI), DBF (ICFAI)

Currently Teaching Adv. Financial Management, Management of Financial Institutions, Security Analysis and Portfolio Management, and Financial Markets and Instruments
Ph D title Development Banking in India: An Evaluation of Performance of IDBI
Area of Interest Finance
Current area of research Banking and Micro Finance

Ph D Supervised - 8 (Eight)


Title of the Ph.D. and Year of Award

Name of Scholar


Knowledge-Based Decision Support System for Prevention of NPAs in Commercial Banks (2008)

Bimal Debnath


Impact of Bank Linkage Micro Credit Programme on the Growth and Development of Micro Enterprises: A Study on Meghalaya (2009)

Sabindra Rajbonshi


Disintermediation in Financial System: An Empirical Study of Indian Commercial Banks (2010)

Dipankar Shome


Impact of Micro-Finance on Women Empowerment: A Study of Meghalaya (2011)

Benjamin Franklin Lyngdoh


Post Reform Bank Efficiency in North-East India: A Branch Level Analysis (Joint Supervision) (2012)

Jayeeta Dev


Subsidised Micro Finance and Financial Performance of SHGs: A Study of Meghalaya (2013)

Purna Prasad Sharma


Relationship of Market Structure and Efficiency with Performance: An Empirical Investigation into General Insurance Sector of India (2018)

Sapina Yasmin


Mission Drift in Indian Micro Finance Institutions: An Empirical Study (2018)

Prasenjit Roy



  1. Best Professor in Financial Management, 2013 by the National Business News Channel, ET Now
  2. Best Business Academic of the Year (BBAY) Award, 2007 by All India Commerce Association
  3. Best Business Academic of the Year (BBAY) Award, 2009 by All India Commerce Association

Academic Affiliations (Life Member):  

  1. Indian Commerce Association
  2. Indian Accounting Association
  3. North East India Commerce and Management Association

Administrative responsibilities undertaken:

  1. Head, Dept. of Commerce NEHU 2005-2008 and 2015-2018
  2. Head, Dept. of Commerce NEHU (2005-2008) and from August 2015
  3. Chairman: Board of Studies, Commerce (NEHU)
  4. Member: Board of Studies, Board of Research Studies, School Board, Academic Council and University Court (All NEHU)
  5. Member: Board of Studies, Commerce, Sikkim University

Academic affiliations

  1. Indian Commerce Association
  2. Indian Accounting Association
  3. North East India Commerce and Management Association

Research Projects

  1. Major (UGC): Capital Structure and Sustainability: An Empirical study on Indian Micro Financing Institutions, 2013
  2. Major (ICSSR): “Financial Sustainability of Micro Lending Through SHG-Bank Linkage Programme: A Study on Meghalaya”, July 2007
  3. Minor (UGC): “Operational Efficiency of RRBs in North-East: A Case Study of Subansiri Gaonlia Bank”, July 2002



  1. Micro Finance and Women Empowerment, (with B F Lyngdoh), Himalaya Publishing House, New Delhi, 2013
  2. Financial Sustainability of Micro Financing”, Gyan Publishing House, New Delhi, 2010.
  3. Regional Rural Banks in Liberalised Environment, Mittal Publication, New Delhi, 2005.

Research Papers: 

  1. Market Structure and Double Bottom Line Commitments: Are They Aligned in Indian Microfinance Industry?, International Journal of Rural Management , Vol. 15 No. 1, 2019, Pp. 1-22. (Sage Pub)
  2. Double bottom line commitments of microfinance: Evidence from Indian Institutions, International Journal of Social Economics, Vol. 46 No. 1, 2019, Pp. 116-131. (Co-author: P Roy). (Emerald Publ)
  3. Transformation and Sustainability Relationship in Indian Microfinance Institutions, International Journal of Services, Economics and Management, , Vol. 8 No. 4, 2017, Pp.250-267 (Inderscience Publ)
  4. Credit Risk Stress Testing Practices in BRICS: Post-global Financial Crisis Scenario, Global Business Review, Vol.18, No.4, August 2017, Pp-811-824 (Sage pub)
  5. Contribution of Microfinance in Achieving Millennium Development Goals: Evidences from Global Pool Data, International Journal of Rural Management, Vol. 13, No. 2, October 2017, Pp-182-198. (Sage Pub.)
  6. Exploring Mission Drift Dimensions in Indian Micro Finance Institutions, Pranjan- Journal of Social and Management Science, Vol. XLIV. No.2, July-Sept 2015, Pp-139-163. (NIBM pub) (Co-author-P Roy)
  7. Are Regulatory Microfinance Institutions of India Better off than Non-regulatory Ones? A Comparison of Performance and Sustainability, Paradigm, Vol. 19, No. 1, Jan-Jun, 2015, Pp-21-36. (Sage pub)
  8. Subsidized Microfinance and Sustainability of Self-Help Groups (SHGs): Observations from North East India, Indian Journal of Finance, Vol. 9, No.5, May, 2015, Pp- 7-19. (Co-author-P P Sharma)
  9. Indian MFIs: The Funding Structure and Its Determinants, The IUP Journal of Bank Management, Vol. XIII, No.4, Nov 2014, Pp- 63-83.
  10. Microfinance and Women Empowerment: A Case of Matrilineal Tribal Society of India, Pranjan- Journal of Social and Management Science, Vol. XLII. No.4, July-Sept 2013, Pp-113-130. (NIBM pub) (Co-author-B F Lyngdoh)
  11. Impact of Microfinance on Women Empowerment in the Matrilineal Tribal Society of India: An Analysis Using Propensity Score Propensity Score Matching and Difference-in- Difference, International Journal of Rural Management, Vol. 9 No. 1, April 2013, Pp. 45-69. (Co-author-B F Lyngdoh) (Sage pub)
  12. Regulation versus Outreach and Sustainability: A Study of the Performance of Microfinance Institutions in India, The IUP Journal of Bank Management, Vol. XI. No.4, Nov 2012 Pp-41-56.
  13. Corporate Governance and Indian Banking, Kushagra International Management Review, Vol.2 No.1 April 2012, Pp-11-20.
  14. Prevention of Non-Performing Assets in Banks: An Application of Artificial Neural Network, Pranjan- Journal of Social and Management Science, Vol. XL. No.4, Jan-March 2012, Pp-269-287 (NIBM pub) (Co-author-B Debnath and T K Sinha)
  15. Catalytic Role of Micro Finance in Economic Development: A Regional Prospective, Development Dynamics (Ed.) Behera, Parida and Baruah, DVS Publishers, Guwahati, 2012, Pp-45-64.
  16. Microfinance and socio-economic change: An assessment of Meghalaya, The Micro Finance Review,  Vol III, No.1, 2011, Pp-110-122, (NABARD pub) (Co-author-B F Lyngdoh).
  17. Do households still prefer bank deposits? An analysis of shift in savings and savings determinants, IUP Journal of Bank Management, Vol. X, No. 1, 2011,  Pp. 46-59, (Co-author-D Shome)
  18. Disintermediation in Indian commercial banks: evidences from pre and post-liberalization phases, Journal of Applied Research in Finance, Vol.2 No 4, 2010, Pp.168-181, (European Research Center of Managerial Studies in Business administration pub) (Co-author-D Shome)
  19. Carbon Trading: Global Market vs. Indian Market, The Management Accountant, Vol. 45 No. 10, October 2010, Pp.798-802.
  20. Financial Inclusion, Women and Inclusive Growth, The Indian Journal of Commerce, Vol.63, No.2, Apr-June 2010, Pp.174-182. (Co-author-B F Lyngdoh)
  21. Corporate Governance in Banks of India, Anti-Crisis Paradigms of Corporate Governance in Banks: A New Institutional Outlook (Ed) A Kostyuk, F Takeda and K Hosono, Virtus Interprise, Ukraine, 2010, Pp-333-352.
  22. Scaling the financial sustainability of SHGs-Bank Linkage Programme of micro financing in an underdeveloped region, Prajnan- Journal of Social and Management Science, Vol. XXXVIII, No.4, 2010, Pp. 253-267 (NIBM pub).
  23. Microfinance Intervention and Socio-economic Transformation; An Application of Propensity Score Matching and Difference-in-Difference Techniques, Macro Dynamics of Micro Finance (Ed) D Lazar, P Natarajan, and M Deo, Excel Books, New Delhi, 2010,Pp. 343-358. (Co-author-B F Lyngdoh)
  24. Does Micro Finance Bring Human Development?, Growth and Human Development in North-East India, (Ed. P Nayak), Oxford University Press, 2009, Pp.217-232.
  25. Financial Exclusion to Inclusion-Do SHGs Help? Evidences from North east India, The Indian Journal of Commerce, Vol.62, No. 3, July-Sept, 2009, Pp.62-72.
  26. Addressing Challenges of Self Help Group Management, Prabandhan, Vol.1 No. 1, July 2009, Pp.76-88.
  27. Subsidy Impact on Sustainability of SHGs: An Empirical Analysis of Micro Lending through SGSY Scheme, Indian Journal of Agricultural Economics, Vol. 64, No.2, Apr-June 2009, Pp. 276-288.
  28. Enhancing Financial Inclusion: The Catalytic Role of SHGs, The Management Accountant, Vol. 44 No 5, May 2009, Pp.384-388.
  29. Micro Credit as Catalyst to Women Empowerment: Evidences and Observations, in Micro Finance-Performance Evaluation and Enterprise Development (Ed) Lazar and Deo, Allied Publisher, New Delhi, 2009, Pp.304-313. (Co-author-B F Lyngdoh)
  30. Subsidised Micro Financing and Financial Sustainability of SHGs, The Indian Journal of Commerce, Vol.61, No. 4 Oct-Dec, 2008, Pp.137-150.
  31. Micro Finance and Empowerment of Women, in Micro Finance and Rural Development in India (Ed) Das, Nanda and Rath, New Century Publication, New Delhi, 2008, Pp.30-39.
  32. Corporate Governance Interventions and Performance of Indian Banks, The Journal of Bank Management, Vol. VI, No. 1, Feb 2007, Pp. 18-37.
  33. International Commitments and Transformations in Indian Banking, Business Vision, Vol.3, No.1, Jan-June, 2007, Pp.45-61. (Co-author-D Shome)
  34. Micro Finance Intervention and Growth of Micro-Enterprises: A Study of North Eastern Region”, in “Entrepreneurship in Micro-Enterprise and Service Sector”, (Ed) Moharana and Tripathy, Dept. of Commerce, Utkal University, 2007, Pp.119-131.
  35. Disintermediation in Financial Services: An Empirical Investigation of Indian Banking Sector, The Indian Journal of Commerce, Vol. 59, No.3, July-Sept, 2006, Pp.153-163. (Co-author-D Shome)
  36. Micro Financing and Empowerment of Poor in Meghalaya: The Need for Learning from the Experience, Rural Transformation in Northeast India,(Ed) Gautam and Bezbaruah, Dept. of Commerce and Dept. of Economics, Gauhati University, 2006, Pp.319-332.
  37. Corporate Governance in Public Sector banks: Issues and Challenges, The Journal of Accounting and Finance, Vol. 19, No. 1, Oct-Mar, 2005, Pp.54-66. (Co-author- V K Shotriya)
  38. A Study on the Viability of RRBs as Rural Financial Institutions in the Liberalised Environment, Globalisation and Development Dilemma, (Ed) Behera, Mittal Publication , New Delhi, 2004, Pp. 247-263.
  39. Viability of RRBs as Rural Financial Institutions of India: A Micro-Level Study in the Context of Liberalised Environment, Asian Profile, Vol. 31, No.6, Dec. 2003, Pp.507-524.
  40. Prospective Governance Problems in Demutualized Stock Exchanges of India: Issues and Prescriptions, NSE News, NSE, Bombay, Oct. 2003, Pp.8-13.
  41. DFIs in Transition: The Indian Experience, Marketing Effectiveness in Banking, (Ed) Sharma & Kaur, Anmol Publication, N.Delhi, 2003, Pp.104-117.
  42. Effectiveness of EDPs in Northeast Region: A Critical Assessment, Entrepreneurship Development: Policies & Strategies, (Ed) Moharana and Tripathy, Dept. of Commerce, Utkal University, 2003, Pp.161-171.
  43. An Empirical Study on the Financing Pattern of DB’s and Its Impact on the Development of Northeast Region, Asian Profile, Vol.29, No.6, Dec. 2001, Pp-521-528.
  44. Non-Performing Assets: Causes, Consequences, and Cures, The Management Accountant, Vol.34, No. 11, Nov. 1999, Pp. 853-857.
  45. Flow of Foreign Investment into India: Myths and Realities, The Journal of Commerce, Vol. VII, 1999, Pp.77-83.
  46. Identifying New Strategic Fields for STUs in the Changing Environment, Surface Transport in India (Ed)- Mathur and Agarwal, Printwell Publ., Jaipur, 1999, Pp.49-57.
  47. Redefining the Role of Major Players in Corporate Governance, The Indian Journal of Commerce, Vol.51, No.4, Oct-Dec’1998, Pp.139-146. (Co-author-S Moharana)
  48. Impact of Liberalization on Operational Efficiency of Development Banks, The Indian Journal of Commerce, Vol. XLIX, No.188, September 1996, Pp.37-40.
  49. Impact of Financial Sector Reforms on Development Banks: A Case Study of IDBI, The Utkal Business Review, Vol. XIII, 1994-95, Pp.10-17. (Co-author-S Moharana)
  50. Soft options for STUs in Liberalized Economy: A Case Study OSRTC, The Indian Journal of Public Enterprise, Vol. 9, No.17, Dec.1994, Pp.45-53. (Co-author- R K Jena and M K Mohanty)
  51. Economic Liberalization and SSIs in India, The Utkal Business Review, Vol. XII, 1993-94, Pp.56-61. Co-author-S Moharana)
  52. Backward Area Development: The Role of IDBI, The Utkal Business Review, Vol. XI, 1992-93, Pp.60-68. Co-author-S Moharana)

Papers presented in Conferences/Seminars etc:  37