Dr. Vijay Kumbhar, (Ag. Registrar, Karmaveer Bhaurao Patil University, Satara)

Dr. Vijay M. Kumbhar,

In-Charge Registrar, Karmaveer Bhaurao Patil University, Satara

(M.A(Economics), MA (Rural Development), Ph.D (Banking), B.Ed, GDC& A, PGDHRD, MCJ, DIT, NET, SET)

Head, Department of Business Economics & Bank Management,

Dhananjayrao Gadgil College of Commerce, Satara 415001

Dr. Vijay M. Kumbhar, A/P Talsangi Tal-Mangalwedha Dist-Solapur

पत्ता : तळसंगी ता. मंगळवेढा जि. सोलापूर (महाराष्ट्र)

Research Papers

My Books

Newspaper Articles

YouTube Channel

Educational Qualifications:

M.A. Economics (Shivaji University) -2002
MA-Rural Development (IGNOU) -2023
B.Ed -Education (Shivaji University) -2001
Ph.D. - e-Banking and Customers Satisfaction (Shivaji University) -2011
DMCJ - Diploma in Mass Communication and Journalism - (YCMOU) 2022
PGDRD -Post Graduate Diploma in Rural Development (IGNOU) -2019
PGDHRM - Post Graduate Diploma in Human Resource Management (IGNOU) -2023
G.D.C.&A. - Cooperation and Accounting (GDC&A Board Pune) -2005
DIT- Diploma in Information Technology (C-DAC Pune) -2002
Qualified UGC-SET -2005 (Pune University)
Qualified UGC-NET -2006 (UGC New Delhi)
Teaching Experience - 22 Years
Administrative Experience - 10 Years

RECOGNITIONS / AWARDS

Yashvantrao Chavan Ideal Teacher Award by Rayat Shikshan Sanstha, Satara - 2025
Dr. Amartya Sen Prize for Best Resaerch Award by Marathi Arthashastra Parishad Mumbai - 2025
Enlisted in Top 100 Banking Researchers in Asia - Alper-Doger Scientific Rankings - 2026
Enlisted in Top 100 Banking Researchers in Asia - Alper-Doger Scientific Rankings - 2025
Enlisted in Top 100 Banking Researchers in Asia - Alper-Doger Scientific Rankings - 2024
Enlisted in Top 100 Banking Researchers in Asia - Alper-Doger Scientific Rankings - 2023
Enlisted in Top 100 Banking Researchers in Asia - Alper-Doger Scientific Rankings - 2022
Enlisted in Top 100 Banking Researchers in Asia - Alper-Doger Scientific Rankings - 2021
Late DA Shinde Trust (Pune) State Level Award for Contribution in Education Sector - 2016
Best IBPS Banking Coordinator in Rayat Shikshan Sanstha, Satara - 2018
Late CD Deshmukh Award by SUEAK for Best Research Paper - 2010
Late V.M. Dandekar Award by SUEAK for Best Research Paper - 2008

MAJOR & MINOR RESEARCH PROJECTS

Minor Research Project on Alternative Banking Channels and Its Impact on Customers' Satisfaction, funded by UGC, New Delhi (Year 2009-2010)
Minor Research Project on Problems and Prospectus of Agro-Tourism Business: An Empirical Investigation of Ratnagiri & Sindhudurg Districts in Maharashtra, Mumbai University, Year 2011-2012
Major Research Project on An Analytical Study on Bureaucratic Corruption and Reforms in Civil Services funded by Indian Council of Social Sciences Research (ICSSR), New Delhi (Year 2013-16)
Major Research Project on Development of MobiQual Scale for Measurement of Service Quality of Mobile Banking Services. (Year 2021-22) funded by RUSA Maharashtra

RESEARCH AND OTHER CONTRIBUTION IN BRIEF

Research PapersPublished : Total 78 Research Papers Published (Banking, Cooperation, Agriculture, Bureaucratic Corruption, Public Policy, Agribusiness, Economicsetc)
Books Published : 13 Books Published (Reference Books and Text Books)
Research Papers Presented in Seminar and Conferences: 27 Research Papers
Writer -Self Instructional Study Material : Shivaji University, Kolhapur
Writer -Self Instructional Study Material : Mumbai University, Mumbai
Writer -Self Instructional Study Material :North Maharashtra University, Jalgaon
Writer -Self Instructional Study Material :Y.C.M Open University, Nashik
Total Self Instructional Study Material Written : 65 SIM Books
Recognized Research Guide for M.Phil& Ph.D (Economics, Banking & Business Economics)
Reviewer/Referee of Journals : 08 National & International Research Journals
Life Member :Life Member of Marathi ArthashastraParishad, Mumbai
Life Member:Life Member of Shivaji University Economics Association, Kolhapur
Life Member : Life Member of Indian Economics Association, New Delhi
Life Worker : Life Worker of Rayat Shikshan Sanstha, Satara
Articles in Newspapers:Sakal, Pudhari, Tarun Bharat, Loksatta, Aikya, Praharetc
Articles in Newspapers:Baliraja, Yojana, SamruddhVyapar, VapariMitraetc
Delivered more than 200+ lectures in different colleges and institutions in Maharashtra

CITATION & H-INDEX

Google Citation - 1020 H Index - 15 i-10 Index -18
Research-Gate Research Interest Score : 905.4

Life Member of Professional Bodies

Life Member : Life Member of Marathi Arthashastra Parishad, Mumbai
Life Member: Life Member of Shivaji University Economics Association, Kolhapur (Maharashtra)
Life Member : Life Member of Indian Economics Association, New Delhi
Life Worker : Life Worker of Rayat Shikshan Sanstha, Satara
Member, The Rayat Sevak Cooperative Bank Ltd. Satara

BOOKS PUBLISHED

Problems and Prospects of Agritourism Business, Vijay Kumbhar, 2013, 978-3-659-50291-0
Research Methodology in Economics, Vijay Kumbhar & Anil Wavare, 2014, 978-93-80876-79-5
Alternative Banking Channels in India, Vijay Kumbhar, 2015, 978-3-639-70968-1
Autonomous College : A Challenges, Vijay Kumbhar, 2018, 978-93-5300-657-0
Money and Financial System, Vijay Kumbhar, 2019, 978-81-941150-2-1
Money and Banking, Vijay Kumbhar & Anil Wavare, 2019, 978-81-941150-7-8
Macro Economics, Vijay Kumbhar & Anil Wavare, 2019, 978-81-941150-3-8
Macro Economics, Vijay Kumbhar & Anil Wavare, 2019, 978-81-941150-6-8
Banking Laws in India, Vijay Kumbhar & Prakash Tone, 2020, 978-81-88671-24-8
Retail and Corporate Banking, Vijay Kumbhar & Prakash Tone, 2020, 978-81-88671-25-1
Financial Markets and Services, Vijay Kumbhar & Rajshekhar N., 2021, 978-81-948708-1-4
Bank Management Practices, Vijay Kumbhar & Prakash Tone, 2021, 978-81-948708-5-2
Banking and Financial System, Vijay Kumbhar, 2020, 978-93-88671-23-1
Banking and Finance,Vijay Kumbhar, 978-93-93729-50-7

Leadership Roles, Contributions & Achievements

1. Coordinator, Autonomous College

Served as Coordinator of 1st Autonomous College in Rayat
• Developed Proposal of Autonomous College
• Coordinated University, Government and UGC Committees for Granting Autonomy to the DG College.
• Coordinated the establishment and operationalization of autonomous status at DG College, Satara
• Developed the institutional framework and governance structure for autonomy.
• Provided mentorship and guidance to other autonomous colleges under Rayat Shikshan Sanstha.
• Actively contributing as a Member of the Board of Studies (BoS), Academic Council, and Governing Body.

2. Coordinator, Banking IBPS Centre

Established leading IBPS coaching centres in Western Maharashtra.
• Coordinated the IBPS Banking Training Centre at DG College.
• Developed well-equipped classrooms and dedicated study facilities.
• Conducted 47 Batches for IBPS Banking Recruitments
• Conducted 32 + Campus Interviews for Banking Recruitment
• Successfully facilitated placement of 687 + students in the banking sector.
• Total 1500 + students placed in Private Banks and Credit Cooperatives

3. In-Charge Registrar of Cluster University

Contributed in Establishment and Function of Cluster University
• Contributed as a Member of the Cluster University Proposal Committee.
• Played a key role in preparing the Detailed Action Plan (DAP).
• Serving as In-Charge Registrar since 2022.
• Initiated new academic programmes and interdisciplinary subjects.
• Developed administrative systems and governance mechanisms

Key Roles:
• Member Secretary, General Council
• Member Secretary, Board of Governance
• Member Secretary, Academic Council
• Member Secretary, Fee Fixation Committee
• Member, Accounts and Finance Committee
• Member, Board of Deans

4. Central Placement Officer of Rayat Shikshan Sanstha

Serving as Central Placement Officer of Rayat since July 2020.
• Coordinating recruitment agencies and placement officers of the Colleges
• Disseminating daily updates on recruitment opportunities.
• Providing strategic guidance to placement officers across Rayat.
• Initiated and facilitated MoUs with leading organizations.

5. Chairman and Director of Rayat Bank

Served as Chairman and Director of the Rayat Sevak Coop. Bank Satara
• Served as Chairman (2 years) and Director (5 years).
• Modernized banking operations by Core Banking System (CBS).
• Introduced NEFT and RTGS System for Bank.
• Established a Data Centre and Disaster Recovery infrastructure.
• Prepared appropriate plan of Head Office Building at Satara
• Introduced transparent Examination recruitment and promotions.
• Designed comprehensive loan and HR policies.

6. Assistant Coordinator of Community Radio Proposal Committee

Rayatwani Community Radio Station
• Prepared Proposal of Rayat Community Radio Station
• Presented the proposal to the Ministry of Information & Broadcasting
• Coordinated with Satara Akashvani for Radio Station verification
• Supervised the establishment process of the radio station.
• Coordinated with various government agencies for approvals.

7. Head of Research Consultancy / Business Economics

Rayat Institute of Research and Development (RIRD).
• Head of Research and Consultancy from 2014 to 2020
• Head, Department of Business Economics since 2014 to 2022
• Recognized Research Guide since 2016.
• Facilitated institutional recognition from Shivaji University.
• Served as Member of College Development Committee of RIRD

8. Member of Section 8 Company Committee

Establishment of Section 8 Companies of Rayat
• Contributed to planning and development committee Member
• Committee Member of Section 8 Companies under Rayat.
• Prepared draft Section 8 Companies under Rayat.
• Engaged with industry partners including Tata Technologies Ltd.
• Conducted institutional visits to Science and Technology Park, Pune

9. Member of Rayat Aviskar & Idea Bank Project Committee

Rayat Aviskar & Idea Bank Project
• Contributed to innovation and research promotion initiatives.
• Planned and coordinated Rayat Aviskar Festivals (2016–2019).
• Supported development of Idea Bank initiatives.
• Served as Coordinator of Rayat Avishkar 2026 organized at Pune

10. Coordinator, TCS Campus to Corporate

TCS Campus to Corporate Project of Rayat Shikshan Sanstha
• Leading coordinator for TCS Campus to Corporate initiative.
• Provided training and career guidance across Rayat institutions.
• Facilitated placement of 1000+ students from Colleges of Rayat,
• Facilitated placement of 351 students from DG College in TCS.

11. Coordinator, Mahindra Pride Training Programme

Mahindra Pride Training Programme of Rayat Shikshan Sanstha
• Coordinated over 57 training programmes (online and offline).
• Enhanced employability and placement opportunities for students.
• Serving as Coordinator of Mahindra Pride Training Programme

12. Assistant Coordinator, Skill Development

Served as Asit. Coordinator, Skill Development Project of Rayat Shikshan Sanstha
• Served as Assistant Coordinator, Skill Development of Rayat
• Signed MoUs with different organizations
• Started various skill development courses
• Contributed in all Skill Development Programmes started by Rayat
• Singed MoU with MSSDS, Government of Maharashtra
• Singed MoU with Cooper Corporation, Satara
• Singed MoU with Symbiosis Skills University, Pune

13. Coordinator, UGC- B.Voc Proposal Committee

Served as Coordinator for B.Voc Proposal Committee
• Led proposal development for B.Voc programmes under UGC.
• Submitted 18 proposals to UGC, with 13 approved.
• Secured funding of approximately ₹14 Crore.
• Started B.Voc Programmes in 11 Colleges of Rayat Shikshan Sanstha

14. Member of AAA Assessment Committee

Development of Academic and Administrative Audit Mechanism
• Contributed in Designing of AAA Mechanism in Rayat
• Updated the Academic and Administrative Audit Mechanism as per needs
• Provided guidance for Academic and Administrative Audit

15. HoD, Business Economics and Banking -DGC Satara

Introduced Employment Oriented UG and PG Programme:
• Introduced B.Com (Bank Management) in 2014.
• Introduced M.Com (Bank Management) in 2018.
• Launched B.Com (Financial Markets) in 2022.
• Launched B.Com (Business Analytics) in 2024.
• Launched B.Com (Aviation Management) in 2025.
• Established a Mock Bank Laboratory (2023).
• Established a Stock Market Laboratory (2023).

16. Coordinator, Skill Development Courses

Introduced multiple value-added certificate Courses:
• Certificate Course in Stock Market
• Certificate Course in SPSS Software Training
• Certificate Course TCS Campus to Corporate
• Certificate Course in Banking and Finance
• Certificate Course in Banking and Civil Services
• Certificate Course in Insurance Agent

17. IQAC Coordinator / Member

Serving as Coordinator of Internal Quality Assurance Cell, RIRD Satara
• Serving as Member of Internal Quality Assurance Cell
• Serving as Criteria head of Research and Consultancy
• Developed Research Culture in the College

18. Patent and Research

• Published Indian Patent on Multi Bank Shared Debit Card
• Completed to Two Minor Research Projects
• Completed to Two Major Research Projects
• Working research Guide and Supervisor

19. Member of Board Studies in Autonomous Colleges

Served/Serving as BoS, Academic Council Member
• BoS Chairman, Business Economics, KBP University
• BoS Member, Economics, KBP University
• Member, Academic Council, KBP University
• Member, Faculty of Humanities, KBP University
• Member, Faculty of Commerce and Management, KBP University
• Member, Research and Recognition Committee, KBP University
• Former member of BoS in Business Economics, Shivaji University
• Member of Faculty, Shivaji University, Kolhapur
• BoS Member, Business Economics, KBP College, Pandharpur
• BoS Member, Business Economics, Kamala College, Kolhapur
• BoS Member, Business Economics, Vivekanand College, Kolhapur
• BoS Member, Economics, Sangameswar College, Solapur
• BoS Member, Economics, Walchand College, Solapur
• BoS Member, Business Economics, PSAH Solapur University
• BoS Member, Economics, RBNB College, Shrirampur

Research Papers Published

Vijay M. Kumbhar (2026), Exploring Digital Behavior and Social Media use Patterns of College Student, International Journal For Multidisciplinary Research, Volume 8, Issue 2 (March-April 2026). E-ISSN: 2582-2160, Impact Factor: 9.24 https://doi.org/10.36948/ijfmr.2026.v08i02.70757
Vijay M. Kumbhar (2025), Autonomy of the Reserve Bank of India and Section 7 of RBI Act 1934, EUROPEAN ACADEMIC RESEARCH - Vol. XIII, Issue 6 / September 2025
Vijay Kumbhar (2025) कृत्रिम बुद्धिमत्ता व रोजगाराचे बदलते स्वरूप, अर्थसंवाद, Vol 49, Issue 2, pp 149-158 ISSN 0973-8452
Vijay Kumbhar & Nilesh Gurav (2025) भारतीय रिझर्व बँकेची स्वायत्तता आणि कलम ७ एक चिंतन, Aayushi International Interdisciplinary Research Journal, ISSN: 2349-638X, Special Issue No. 141, January 2025
Vijay M. Kumbhar (2024), Mobile Banking Service Quality and Customer Satisfaction: An Occupational Group Analysis in Maharashtra, ICTACT Journal on Management Studies ( Volume: 10 , Issue: 4 )
Vijay M. Kumbhar (2024). Vikasit Bharat 2047 - Contemplation of Aspirations and Challenges as We Enter 2025, University News 62 (53), 29-35 ISBN 0566-2257 UGC Care Listed
Vijay M. Kumbhar (2024). Dynamics of Major Milk-Producing States in India: Trends, Diversity and Disparities, European Academic Research 12 (9), 875-887 ISBN 2286-4822
Vijay M. Kumbhar (2024). Service Quality, Customer Satisfaction, and Intention to Leave: A Case Study of PhonePe Mobile Banking, International Journal of Commerce and Business Studies 6 (2), 23-35 Scopus Indexed
Vijay Kumbhar (2024) Assessing Customer Experience in Mobile Banking : Developing eMobiQual Scale, The IUP Journal of Bank Management, Vol. 23, No. 4, 2024, https://iupindia.in/Bank_Management.asp ISSN 2583-5866 Scopus Indexed
Vijay Kumbhar (2024) Understanding the Dynamics of Work-Life Balance, Job Satisfaction, and Teacher Retention in Maharashtra's Higher Education, International Journal of Advanced Research in Social Sciences and Humanities, Volume 8, Issue 2, July-Dec 2024, pp. 96-107, https://doi.org/10.34218/IJARSSH_08_02_008 ISSN 2395-521X Scopus Indexed
Vijay Kumbhar (2024) भारतीय बँकिंग क्षेत्रातील रोबोटिक्स व आर्टिफिशियल इंटेलिजन्सचा वाढता वापर एक चिंतन,अर्थासंवाद 48 (2), 157-169 UGC Care Listed
Vijay Kumbhar (2023) महाराष्ट्राच्या राजकारणातील महिला, तरुण वर्ग व उच्च शिक्षितांचा सहभाग: एक निरपेक्ष परीक्षण अर्थासंवाद 46 (4), 269-275 UGC Care Listed
Vijay Kumbhar (2023) An Empirical Investigation of Trust on Social Media and Users Perception, Education and Society 46 (2), 60-65 UGC Care Listed
Vijay Kumbhar (2022) Digitally Connected and Socially Disconnected Youth in India: Some Empirical Evidences from Social Media Platforms, Journal of Shivaji University (Humanities and Social Sciences 54 (1), 33-47
Vijay Kumbhar (2022) Demographic Characteristics and Trust on Social Media: A Study, Journal of WTO and International Business 24 (2), 14-18
Vijay Kumbhar (2022) An Empirical Analysis of Social Media Engagement of Youth: A Case Study of Satara Maharashtra, Education and Society, Special Issue 2022, UGC Care Listed Periodical pp 163-172
Vijay Kumbhar (2021) A Multidimensional Scale (eBankQual) for Assessments of Customers Satisfaction in E-Banking Service Settings, Cosmos Multidisciplinary Research E-Journal 6 (3), UGC Care Listed
Vijay Kumbhar (2021) A Conceptual Model for Work Allotment and Work Performance of Bank Employees, Asian Journal of Economics, Finance and Management 5 (4), 26-29 UGC Care Listed
Vijay Kumbhar (2021) सावधान माल्थस जागा झालाय, Arthasanvad 45 (1), 9-15
Vijay Kumbhar (2021) Determinants of Agriculture Production: A Statistical Examination of MSP, AUC and Productivity of Selected Crops in India, Sambodhi 40 (1 V), 114 to 118 UGC Care Listed
Vijay Kumbhar (2021) Rethinking on Agritourism Business Practices in Maharashtra, Research & Reviews: Journal of Agriculture and Allied Sciences 11 (2), 1-4 UGC Care Listed
Vijay Kumbhar (2021) Analysis of Lending Facilities of Microfinance Institutions In Kolhapur District of Maharashtra, 2021; International Journal of Food and Nutritional Sciences, Volume 10 , Issue 4 : Page: 109-114 UGC Care Listed
Vijay Kumbhar (2020) Analysis of Gender and Career Preferences of Commerce Students : A Case Study of Autonomous College, Purakala, Vol-31-Issue-31-May-2020, ISSN:0971-2143, Impact Factor 5.60 UGC Care Listed
Vijay Kumbhar (2020) Establishment, Selection Of Site And Some Critical Success Factors In Agritourism Business, ZeichenJournal, UGC-CARE Approved Group ‘II’ journal, ISSN NO: 0932-4747, Scientific Journal Impact Factor – 4.7
Vijay Kumbhar (2019) Direct Tax Revenue during Pre-BJP and Post-BJP Government Period in India – A Short Term Analysis, Online International Interdisciplinary Research Journal, {Bi-Monthly}, ISSN 2249-9598, Volume-09, Special Issue 04 Feb 2019Impact Factor-5.818 UGC Journal No - 46964
Vijay Kumbhar, Mr. AH Kolekar (2019), Innovative Business Practices of Indian Hotel Industry : An Overview, RESEARCH JOURNEY 190 (Special Issue), 13ISSN : 2348-7143, Impact Factor - (SJIF) – 6.261, (CIF ) - 3.452(2015), (GIF)–0.676 (2013) UGC Care Listed
Vijay Kumbhar, Mr. Satish Kadam (2019), Development of Road Infrastructure and Public-Private Partnership : Some Issues and Problems, RESEARCH JOURNEY 190 (Special Issue), 13ISSN : 2348-7143 UGC Care Listed Impact Factor - (SJIF) – 6.261, (CIF ) - 3.452(2015), (GIF)–0.676 (2013)
Mr. Revan Navale and Vijay Kumbhar(2019), A Study on Innovative Sales Strategies in Mobile Phone Firms and Manufacturers : A Critical Review of Mobile Industry in India, RESEARCH JOURNEY 190 (Special Issue), 13ISSN : 2348-7143, Impact Factor - (SJIF) – 6.261, (CIF ) - 3.452(2015), (GIF)–0.676 (2013) UGC Care Listed
Vijay Kumbhar, AmolKolekar(2019), Recent Trends and Issues in Indian Hotel Industry, Our Heritage 68 (33), 443-448 UCC CARE Listed Journal 2019
Vijay Kumbhar (2019) गुड एम्प्लॉईज लिव बॅड मॅनेजर, नॉट कंपनी, Arthasanvad 42 (4) Refereed Journal
Vijay Kumbhar (2019) चेक ट्रंकेशन सिस्टम : एक नाविन्यपूर्ण चेक वठवणुक सुविधा, Research Journey 6 (4), 374-387
Vijay Kumbhar (2018) Education For Social Change and Economic Up-liftment: A Views of Rajarshi Chhatrapati Shahu Maharaj", International Journal of Recent Scientific Research, Vol. 9, Issue, 3(D),, ISSN: 0976-3031 (Impact Factor – 6.86) UGC Journal No -46629
Vijay Kumbhar and Satish Kadam (2018). Changing Scenario of Electricity Generation and Consumption Pattern in Maharashtra, Online International Interdisciplinary Research Journal, {Bi-Monthly}, ISSN 2249-9598, Volume-08, Oct 2018 Special IssueImpact Factor-5.818 ISRA:JIF UGC Journal No - 46964
Vijay Kumbhar (2018) ई -बँकिंगसेवां मधील ग्राहकसमाधान मोजण्यासाठी ईबँकक्वॉल साधन, Arthasanvad,July-Sept 2018,40-02 ISSN 0973-845234
Vijay Kumbhar (2018) आभासी चलनाचा (क्रिप्टोकरन्सी) वापर व भारतीय बँकिंग व्यवसाय, Shivarth, ISBN 978-81-907287-8-2 Shivaji University Economics Association, Kolhapur, Dec 2018
Vijay Kumbhar (2018) Micro Units Development and Refinance Agency (MUDRA) Bank, Journal of Current Science & Humanities, ISSN 2347-7784(Impact Factor – 2.05) UGC Journal No -48035
Vijay Kumbhar (2016) Role of RTI Act in combating corruption: Empirical Evidences from Maharashtra state, India, International Journal of Recent Scientific Research, 7 (6), pp. 11909-11913 (Impact Factor – 5.114) ISSN: 0976-3031 UGC Journal No -46629
Vijay Kumbhar (2016) दि रयत सेवक को-ऑपरेटीव्ह बँक लि. सातारा : पगारदार नोकरांच्या बँकेचा चिकित्सक अभ्यास: सहकारी महाराष्ट्र, Dec 2016. ISSN: 0972-3218
Vijay Kumbhar (2015), An Analytical Study of Foreign Direct Investment in Indian Telecom Sector, ZENITH International Journal of Business Economics and Management Research, ISSN 2249-8826 2015 issue. (Impact Factor 4.32) UGC Journal No - 49368
Vijay Kumbhar (2015), An Analytical Study of Rajiv Gandhi Jeevandayee ArogyaYojana (RGJAY) in Maharashtra, Online International Interdisciplinary Research Journal, February 2015 issue. ISSN2249-9598, Impact Factor 2.32. UGC Journal No - 46964
Vijay Kumbhar (2015), Financial Inclusion Policy: A Case Study of Hilly Area, International Journal of research in Economics and social Science, Volume 5, Issue 9 (2015) (ISSN 2249-7382) (Impact Factor – 5.545). UGC Journal No - 48858
Vijay Kumbhar (2015), Factors Responsible For Corruption: Perception of The Citizens From Various Professions and Religions In India, International Journal of Recent Scientific Research, Volume: 6 (12) December -2015, ISSN: 0976-3031 (Impact Factor – 5.114)UGC Journal No -46629
Vijay Kumbhar (2013),भारतातील व्यापारी बॅंकांची अनिष्पादित मालमत्ता :एक तुलनात्मक अभ्यास ,LokavishkarInternational E - Journal, Vol II / Issue I / Jan-Feb-March.2013, pp 49-55, ISSN 2277-727X Impact Factor 1.864 ISRA:JIF UGC Journal No - 43191
Vijay Kumbhar (2013),भारतातील इलेक्ट्रॉनिक देयक पद्धती : एक चिकित्सक अभ्यास, Research Front, Vol 1, Issue 1, pp 97-102 ISSN 2320 – 6446
Vijay Kumbhar (2013), Some Critical Issues of Women Entrepreneurship in Rural India, European Academic Research, Vol. I, Issue 2/ May 2013 ISSN 2286-4822 Impact Factor: 3.4546 (UIF)
Vijay Kumbhar (2013), A Conceptual Design of Multifunctional Utility Card, Indian Streams Research Journal 3 (6), 1-6 ISSN No : 2230-7850 Impact Factor : 4.1625 (UIF)
Vijay Kumbhar (2013),सातारा जिल्ह्यातील मजूर वर्गाच्या दारिद्रयाचे एक वास्तववादी विवेचन, Golden Research Thoughts -Vol 3 Issue 5 Nov 2013, ISSN No :2231-5063, Impact Factor : 1.2018 (GISI) ; Impact Factor : 1.9508(UIF)
Vijay Kumbhar (2012), Tourists Expectations Regarding Agritourism: Empirical Evidences from Ratnagiri and Sindhudurg District of Konkan (Maharashtra), Online International Interdisciplinary Research Journal, ISSN2249-9598, Volume-II, Issue-III, May-June 2012, pp-1-10. UGC Journal No -46964
Vijay Kumbhar (2012),Reliability Of “eBankQual” Scale: Retesting In Internet Banking Service Settings, Business Excellence and Management, Volume 2, Issue 2, June 2012, ISSN: 2248-1354, ISSN-L: 2248- 1354
Vijay Kumbhar (2012),Conceptualization of E-Services Quality and E-Satisfaction: A Review of Literature, Management Research and Practice, Vol. 4 Issue 4 (2012) pp: 12-18 E-ISSN-2067-2462,
Vijay Kumbhar (2012), Digging Gold in Agriculture without Support of the Government-Some Empirical Evidences from Agritourism Business in Konkan Maharashtra, Contemporary Research in India, October 2012
Vijay Kumbhar (2011), Determinants of Customers' Satisfaction in ATM Service Setting: Empirical Evidences from India, PRAJNAN Journal of Social and Management Sciences, ISSN: 0970-8448, Vol. XL, No. 2, July – September 2011; National Institute of Bank Management, Pune UGC Journal No - 41904
Vijay Kumbhar (2011), Alternative Banking Channels and Customers’ Satisfaction: An Empirical Study of Public and Private Sector Banks, ,International Journal of Business and Management Tomorrow ( IJBMT ),pp 28-45, ISSN: 2249-9962(Online) Vol- 1, Issue - 1 October 2011. UGC Journal No - 43418
Vijay Kumbhar (2011), Service Quality Perception and Customers’ Satisfaction in Internet Banking Service: A Case Study of Public and Private Sector Banks, Cyber Literature: The International Online Journal, ISSN 0972-0901, Volume 4 Issue 2 UGC Journal No - 46482
Vijay Kumbhar (2011), Reliability and validity of ‘eBankQual’ Scale in ATM Service Settings: A Study, VINIMAYA(Refereed and Indexed Journal), Vol. XXXI No. 4 Jan. – March 2011, pp-15-26; ISSN:0970-8456. UGC Journal No - 48036
Vijay Kumbhar (2011), E-Banking and Its Impact on Customers ’ Satisfaction: A Case Study of Public and Private Sector Banks in Satara City, ETHOS (Refereed Journal), KBPIMSR, Satara", June 2011,pp-72-79; ISSN-0974-6706 UGC Journal No -45778
Vijay Kumbhar (2011),Factors Affecting on Customers’ Satisfaction: An Empirical Investigation of ATM Service, International Journal of Business Economics and Management Research, Volume 2, Issue 3 (March, 2011) pp-44-65; ISSN:2229-4848
Vijay Kumbhar (2011), Structural Equation Modeling of eBankQual Scale: A Study of E-Banking in India, International Journal of Business Economics and Management Research, Volume 2, Issue 5, May, 2011, pp-8-32; ISSN:2229-4848
Vijay Kumbhar (2011),Customers Satisfaction in ATM service An Empirical Evidences from Public and Private Sector Banks in India, The journal Management Research and Practice (MRP) Vol. 3 Issue 2 (2011)pp-24-35;ISSN: 2067-2462 and E-ISSN-2067-2462, Academy of Economic Studies, Bucharest, Romania (Europe)
Vijay Kumbhar (2011), Customers' Demographic Profile and Satisfaction in E-Banking Services: A Study of Indian Banks, International Journal for Business, Strategy and Management,Vol.1 Issue 1,Bhubaneswar, Orissa
Vijay Kumbhar (2011), Scope and Problems of M-Banking Solution for Unbanked: A Review of Indian Economy, Journal of Banking and Financial Services and Insurance Research, Vol. 1, Issue 5 (August 2011), pp 107-115, ISSN 2231-4288
Vijay Kumbhar (2011), Performance and Contribution of IT-ITES Sector: A Review of Indian Economy, International Journal of Business Management and Leadership Volume 2, Number 1 (2011), PP.39-44, ISSN 2231-122X,
Vijay Kumbhar (2011), Factors Affecting The Customer Satisfaction In E-Banking: Some Evidences Form Indian Banks, The journal Management Research and Practice (MRP) Vol. 3 Issue 4 (2011)pp-24-35;ISSN: 2067-2462 and E-ISSN-2067-2462, Bucharest, Romania (Europe),
Vijay Kumbhar (2011), Determinants of Internet Banking Adoption: An Empirical Evidences From Indian Banking” Indian Journal of Commerce & Management Studies (ISSN: 2229-5674) in May 2011, Volume II, Issue – 4, pp-15-25
Vijay Kumbhar (2011),भारतातील जनगननेचा पूर्व इतिहास व२०११ च्या जनगननेतील वास्तव, Yojana , Govt. of India, Publication Division, July 2011,pp 17-09,ISSN- 0971-8397
Vijay Kumbhar (2011),Customers’ Perception in Electronic Fund Transfer (EFT) Service: A Study of Public and Private Sector Banks in India, Arth Anveshan,Vol- 6 Issue - 2, pp 66-76, ISSN: 0973‐8193, Shri Mata Vaishno Devi University, Katra-182 321, (J&K)
Vijay Kumbhar (2010), Increased Customers' Complaints in E-Banking Environment: Evidences from Indian Banking Industry, International Journal of Management Research and Technology, (Vol.4 No.2 July-Dec 2010). pp: 433–440., ISSN: 0974-3502, Serial Publication New, Delhi. UGC Journal No -64709
Vijay Kumbhar (2010), Efficiency of Commercial Bank: A Study of Commercial Banks in India, ETHOS (Refereed Journal), KBPIMSR, Satara", June 2010, pp-46-50; ISSN-0974-6706 UGC Journal No -45778
Vijay Kumbhar (2010),भारतातील अन्न समस्या : मुलभूत परिक्षण, YOJANA, GOI, Publication Division, October, 2010, Vol-38, Issue-3 pp—52; ISSN- 0971-8397
Vijay Kumbhar (2010),राष्ट्रीयकृत व खाजगी बँकातील ए.टी.एम सेवावापरणाऱ्या ग्राहकाच्या समाधान पातळीचा तुलनात्मक अभ्यास,Arthasanvad, Issue of Oct- Dec 2010, ISSN 0973-845234, 03, pp 236-243
Vijay Kumbhar (2009),Alternative Banking: A Modern Practice in India, Professional Banker (Online and Offline), ICFAI University press, issue of December 2009. Professional Banker, Vol. IX, Issue 9, December 2009, The ICFAI University Press. ISSN-0972-5121
Vijay Kumbhar (2008),भारतातील सार्वजनिक बॅंकांमधील ईबँकिंग सेवांचा विकास” Published in Arthasanvad issue 22, Vol 3, Oct- Dec 2009, ISSN 0973-8452pp 214-222

OTHER ARTICLES

उच्च शिक्षणासाठी अर्थसंकल्पात झुकते माप, रयत मासिक, फेब्रु. २०२६ पान नं २०–२४
आभाषी चालनाच्या दुनियेत, रयत मासिक, ऑक्टोबर २०२५ पान नं २२ ते २९
समाजाच्या संस्थात्मक व्यवस्थेचे योगदान हाच समृद्धीचा मार्ग, रयत मासिक, सप्टेंबर २०२५ पान नं ६० ते ६८
उच्च शिक्षणातील नवयुगाची सुरुवात, रयत मासिक, मे २०२५ पान नं ३२ ते ४२
बहुविद्याशाखीय, समुह आणि एकात्म विद्यापीठे, दैनिक पुढारी, २ जानेवारी २०२३
स्टेट बँकेतील मेगा भारती, दैनिक सकाळ १२ मे २०२१
बँकर्स घडवणारी कार्यशाळा - रयत, माणदेशी एक्सप्रेस, १७ ऑक्टोबर २०१८
उद्योग व व्यापार क्षेत्रातील तरुणांची भूमिका, दैनिक पुढारी, १ जानेवारी २०१७
स्विस बँकेतील काळ्या पैस्याचे वास्तव, विचक्षण, एप्रिल २०१७
बँकिंग भारती परीक्षेचे स्वरूप , दैनिक लोकसत्ता, ९ जून २०१४
कृषीपर्यटन नियोजन आणि व्यवस्थापन, शेती प्रगती मासिक, एप्रिल२०११
Electricity Crisis in India: Facts and Projection, Electrical India, October 2011
कृषीपर्यटन व्यवसायाचे नियोजन आणि व्यवस्थापन, बळीराजा मासिक, डिसेंबर२०११
खाजगी गु-हाळास पर्यायी सहकारी तत्वावरील गु-हाळांची आवश्यकता, शेती प्रगती मासिक, मार्च२०११
पायाभूत सुविधांसाठी थोडी ख़ुशी थोडा गम, दैनिक पुढारी, बजेट पुरवणी, मार्च २०११
Nuclear Power Is an Excellent Alternative for Indi, Electrical India, November 2010
सहकारी कृषीपर्यटन केंद्रे भारतीय शेका-यांना उपयुक्त पर्याय, बळी राजा मासिक, नोव्हेंबर२०१०
Nuclear Power Needs and Problems, Electrical India, June 2010
माहितीची असरुपता आणि इ-बँकिंग सेवामधील अपयश: एक अभ्यास, शिवार्थ, डिसेंबर २०१०
महासत्ता होण्यासाठी सर्वसमावेशक इ-बँकिंग सेवांची गरज, दैनिक पुढारी, वर्धापन दिन पुरवणी, २ जानेवारी २०१०
Agro-Tourism Scope And Opportunities For The Farmers In Maharashtra, Indistat.com Sept.-Oct., 2009.
अर्थव्यवस्थेचा कणा सक्षम करायचा असेल तर.... दैनिक पुढारी, २२ मार्च २००८
सेझ-प्रश्न शेतजमिनीचा... दैनिक पुढारी, १३ डिसेंबर २००८
सरकारी बाबू मालामाल .... मात्र बाबू कंगालच.... दैनिक पुढारी, १७ मार्च २००८
आरोग्य साक्षरता, दैनिक पुढारी, ८ सप्टेंबर २००८
सावधान माल्थस जागा होतोय, दैनिक पुढारी, ११ जुलै २००७
दुर्दम्य आशावाद हवा, दैनिक पुढारी, ८ सप्टेंबर २००७

Hon'ble Shri. Chandrakant Dalvi (Chairman, Rayat Shikshan Sanstha & Provost, KBP University, Satara (Pic- 2023)

रयत शिक्षण संस्थेचे अध्यक्ष मा. शरदचंद्र पवार साहेब यांचे उपस्थितीत, महाराष्ट्र राज्याचे मा. उपमुख्यमंत्री श्री. अजितदादा पवार साहेब, संस्थेचे चेअरमन मा. चंद्रकांत दळवी साहेब, व्हाईस चेअरमन मा. एड. भगीरथ शिंदे साहेब, संघटक मा. डॉ. अनिल पाटील साहेब, मा. दिलीपराव वळसे-पाटील साहेब, आणि सचिव मा. विकास देशमुख साहेब यांच्या हस्ते रयत शिक्षण संस्थेमार्फत दिला जाणारा "यशवंतराव चव्हाण आदर्श शिक्षक २०२५ पुरस्कार" दिनांक ९ मे २०२५ रोजी सपत्नीक प्रदान करण्यात आला.

Hon'ble Adv. Bhagirat Shinde (Vice Chairman, Rayat), Hon'ble Ramseth Thakur (MC Member), Honble Babanrao Pachpute, Hon'ble Balaram Patil and Hon'ble Prabhakar Deshmuk (Pic- 2014)

Hon'ble Adv. Ravsaheb Shinde (Ex Chairman, Rayat), Prin. Dr. JG Jadhav, Prin. Dr. NS Gaikawad, Dr. Anil Patil (Vice Chairman) & Prin. Dr. BT Jadhav (Pic- 2013)

Hon'ble Dr. Anil Patil (Chairman, Rayat), Prin. Dr. Ganesh Thakur, Prin. Dr. Dinanath Patil and Prof. Shahaji Makhare (Pic -2015)

Honble Dilip Walse Patil at the Time of Rayat Bank Foundation Day Programme at SM Joshi College, Hadapasar Pune (Pic -2016)

Hon'ble Ramseth Thakur (MC Member, Rayat) Shri, Lalasaheb Khalate, Shri. Shahaji Makhare, Shri. Babasaheb Shaik, Dr. Biru Rajage, Shri. Dnyaneswar Shete (Pic -2021)

Hon'ble Meenatai Jagadhane (MC Member, Rayat) and Prin. Dr. Suhas Nimbalkar (CD Jain College, Shrirampur (Pic-2024)

Hon'ble Adv. Ravasaheb Shinde, Dr. Anil Patil, Prin. Dr. JG Jadhav, Prin. Dr. BT Jadhav and Other (Pic-2013)

Hon'ble Prin. Dr. BT Jadhav (Dahiwadi College) - Inauguration of Aviskar Research Competition (Pic-2018)

Rayat Bank (Kolhapur Branch) Shri. Jadhav, Shri. Subhash Patil, Shri. Bharat Kadam, Shri. Jambukumar Admuthe (Pic-2017)

With Hon'ble Shri. Chandrakant Dalvi (Provost), Hon'ble Prof. Dr. DT Shirke (Vice Chancellor) & Dr. Anil Patil (Organizer, Rayat Shikshan Sanstha, Satara) and all Principals of Constituent Colleges (Pic -2022)

With Hon'ble Shri. Chandrakant Dalvi (Provost), Hon'ble Shri. Vikas Deshmukh (Secretary), Hon'ble Prin. Dr. D. K. Mhaske (Joint Secretary) & Shri Bandu Pawar (Joint Secreatry Schools) , Rayat Shikshan Sanstha, Satara) (Pic-2022)

Hon'ble Shri. Vikas Deshmukh (Rtd. IAS) Secretary of Rayat Shikshan Sanstha, Satara) (Pic-2022)

Hon'ble Prin. Dr. Dnyandeo Mhaske, Joint Secretary, Rayat Shikshan Santha, Satara (Pic-2024)

Hon'ble Shri. Ashokrao Thorat (Karad), Dr. Sharad Shete, Shri Patil Sir and Other (Pic -2024)

With Hon'ble Shri. Chandrakant Dalvi (Provost), Hon'ble Prof. Dr. DT Shirke (Vice Chancellor) & Dr. Anil Patil (Organizer, Rayat Shikshan Sanstha, Satara)

With Hon'ble Prin. Dr. Shivaling Menkudale (Auditor, Rayat Shikshan Santha, Satara)

With Hon'ble Meenatai Jagdhane (Senior Managing Council Member, Rayat Shikshan Santha, Satara) & Prin. Dr. Nanasaheb Gaikwad

With Prof. Dr. Arun Kumar, Professor of Economics at the Jawaharlal Nehru University

With Prof. Dr. Abhijeet Sen, Professor JNU and Member of Commission on Agricultural Costs and Prices (CACP), New Delhi

With Hon'ble Prof. Dr. Shivajirao Kadam (Chancellor, Bharati Vidhyapith, Pune and Dr. Devender Kawday, Jt. Secretary, UGC Delhi

With Hon'ble Shri. Suresh Kote, CEO, Lijjat Papat Udhyogsamuh Ltd.

With Hon'ble Dr. YSP Thorat (MC Member of Rayat & Former Chairman of NABARD)

Late Honble Dr. Patangrao Kadam (Former MC Meber), Shri, Madhavarao Dada Mohite & Adv. Dilavar Mulla Saheb at the Time of Rayat Bank Meeting

My Inspiration and my Research Guide Prof. Dr. Vasantarao Jugale (Former Professor of Economics, Shivaji University, Kolhapur)

Memories with Late Shri. P. N. Joshi (Renowned Banker)

Hon'ble Dr. Anil Patil (Former Chairman) of Rayat Shikshan Santha & Prin. Dr. Bal Kamble , Prof. Dr. Ganesh Jadhav

Autonomous College Award 2023 - By Hon'ble Shri Shrinivas Patil (Former Governor of Sikkim)

Alumnus of the DG College Satara

Hon'ble Adv. Bhagirath Shinde (Vice Chairman) & Hon'ble Shri Ramsheth Thakur (Managing Council Member) of Rayat Shikshan Santha, Satara visited Department of Bank Management -DGCC

Hon'ble Prof. . Dr. D. T. Shirke ( First Vice Chancellor, Karmaveer Bhaurao Patil University, Satara)

Prin. Dr. Shivaling Menkudale Joint Secretary (Audit) Rayat Shikshan Sanstha, Satara

Hon'ble Provost, Vice Chancellor and Members of Academic Council of KBP University, Satara 2023

Hon'ble Prof. R. S. Mali (Former Vice Chancellor) and Members of FFC of KBP University, Satara 2023

Dr. Rajendra Kankaria (Former Registrar), Dr. Vilas Shinde (Registrar of Shivaji University) Dr. Vaibhav Dhere (Dy Registrar)

Vice Chancellor Prof. Dr. DT Shirke and Dr. Anil Patil, Organizaer of Rayat Shikshan Sanstha, Satara

Principal and Staff of the Dhanajayarao Gadgil College of Commerce, Satara

With all Staff Members of Department of Business Economics and Bank Management -DGCC, Satara

Registrar (KBPU, Satara) , Vice Chancellor (Shivaji University & KBPU Satara) and Registrar (Shivaji University)

Prin. Dr. Yashawant Patane, Satara

My School Teachers Shri. PR Patil, Shri. Shekhar Shirke Sir and Other

Young Economists - for Refresher Course in JNU New Delhi

Prof. Dr. Kedar Marulkar (Dept. of Commerce and Management) Shivaji University, Kolhapur

Dr. YSP Thorat (Former Chairman of NABARD)

Hon'ble Suresh Kote, CEO Lijjat Papat Ltd.

Member Board of Studies in Banking and Finance - DG College Satara

Member Board of Academic Council (2017) - DG College Satara

Shri. Ashok Gavali, My Best Teacher at Primary School (Talsangi, Tal-Mangalwedha Dist-Solapur

Shri. Patil Saheb Karad

Hon'ble Prof. Dr. Ujjwala Chakradhar (Vice Chancellor) SNDT University, Mumbai

Hon'ble Shri. Samadhan Awatade (MLA) Mangalwedha Dist - Solapur

Late Prof. Dr. JF Patil and Other Economists

Hon'ble Vice Chancellor Prof. Dr. Manikrao Salunkhe and Mr. Sadabhau Patil (Vita)

Prin. Dr. Ramesh Kumbhar, Padmbhushan Vasantdada College Tasagaon (2016)

Name of video

Visit by Prin. Dr. PR Gaikwad, Prin. Dr. Kulkarni and Prin. Dr. DK More Saheb to IBPS Centre

Visit by Hon'ble Dr. Kyungki Eun (Vice President, Answer Co. Ltd., Korea), Hon'ble Dr. Anil Patil, Hon'ble Sanjeev Patil, to Sir CD Deshmukh Mock Bank (DG College of Commerce, Satara) 30-08-2023.