Biography

Dr. Rajat Saini is a distinguished academician and passionate mentor. He holds a Ph.D. in Banking and Finance, along with M.Com (H) and B.Com (H) from Maharshi Dayanand University and a B.Ed. from Kurukshetra University. He has also qualified UGC-NET four times in Commerce and the HPPSC-SET.

With over six years of teaching experience, he specializes in Accounting, Finance, Economics and Research Methodology.

As a prolific researcher, he has authored two books, published twelve research papers in reputed international and national journals, contributed nine book chapters and holds a patent. He has presented seventeen research papers at international and national level conferences and was honored by the Association of Indian Universities (AIU) for his contributions to research and innovation.

Ph.D, M.Com (H), B.Com (H), B.Ed., UGC NET, HPPSC SET

The post-pandemic world has redefined the role of commerce and management professionals. Today, organizations seek leaders who are not only adept at driving business growth but are also sensitive to societal needs and committed to creating a sustainable and inclusive future. At the School of Commerce and Management Studies (SCMS), we strive to nurture such well-rounded individuals who combine knowledge, innovation and ethics to make a meaningful difference.
We believe that education transcends the boundaries of classrooms. To ensure holistic learning, our students engage in a variety of enriching experiences - industry visits, internships, workshops, outbound learning programs and interactive sessions with experts from academia and corporate domains. Our Mentor–Mentee Programme further strengthens this journey, offering personalized guidance to help students navigate the challenges of academic and professional life with confidence.
I take great pride in the relentless efforts of our qualified faculty members and dedicated staff, whose commitment aligns with the vision of UNWH. Together, we are shaping dynamic leaders and responsible citizens, empowering them to meet the evolving demands of commerce and management while contributing positively to the world around them.

Let us continue to inspire and guide the youth toward excellence, integrity and purpose.

Dr. Rajat Saini

Head of Department

School of Commerce and Management Studies

University of North West Himalayas, Thano, Dehradun

Academic Qualifications

Ph.D. – Faculty of Management & Commerce

BMU, Rohtak (Haryana) – 2022

M.Com (H) - Department of Commerce

MDU, Rohtak (Haryana) – 2018

B.Com (H) - Department of Commerce

MDU, Rohtak (Haryana) – 2016

B.Ed. – Rama College of Education

KUK, Kurukshetra (Haryana) – 2024

NET – Commerce

UGC – 2018, 2019, 2020

SET – Commerce

HPPSC – 2018

S.No.	University/Organization	Designation	Tenure
1	University of North West Himalayas, Dehradun	HOD	Sept. 2025 – Till Now
2	Noida International University, Greater Noida	Assistant Professor	01 Year 00 Month
3	G L Bajaj Institute of Management, Greater Noida	Assistant Professor	01 Year 05 Months
4	Chaudhary Ranbir Singh University, Jind	Assistant Professor	02 Years 11 Months

Teaching Interests

1. Financial Accounting & Analysis
2. Corporate Finance
3. Investment & Portfolio Management
4. Financial Institutions & Markets
5. Foreign Exchange and Risk Management
6. Financial Derivatives,
7. Managerial Economics
8. Research Methodology

Journal Articles

1. Comparative Analyses of Digital Payment Methods from the Pre and Post COVID-19 Perspective. European Economic Letters, Vol. 14(01), Pg. 116-126.

2. Beyond Borders: Exploring Opportunities and Challenges in Global Product Branding for Developing Economies. Journal of Informatics Education and Research, Vol. 4(01), Pg. 1040-1052.

3. Impact of Digitalization in the Growth of Indian Economy. Madhya Pradesh Journal of Social Sciences, Vol. 29(01) (II), Pg. 152-158.

4. A study on customer satisfaction towards Payments Bank. Anvesak, Vol. 51(01) (VI), Pg. 100-115.

5. Demonetization: A way to cashless payment system in India. International Journal of Advances in Engineering and Management, Vol. 2(8), Pg. 550-553.

6. Performance Evaluation of Payments Bank using ratio analysis. MAIMS Journal of Management, Vol. 16(Special Issue), Pg. 32-42.

7. A study on new dynamics in digital payment system- with special reference to Paytm. International Journal of Advances in Engineering and Management, Vol. 2(8), Pg. 385-388.

8. Evolution of Payments bank and impact from M-Pesa: A case of mobile banking service in India. International Journal of Creative Research Thoughts, Vol. 8(7), Pg. 703-708.

9. A study on role of Payments bank in India. International Journal of Research and Analytical Reviews, Vol. 7(2), Pg.808-811.

10. Impact of COVID-19 on India’s Trade. International Journal of Creative Research Thoughts, Vol. 8(10), Pg. 3767-3768.

11. Payments bank: The question of viability. Sai Balaji International Journal of Management Sciences, Vol. 2(5), Pg. 108-116.

12. A study on customer awareness towards Payments Bank. Alochana Chakra, Vol. 9(12), Pg. 250-262.

Book Chapters

1. A Study on Application of Blockchain Technology in Banking and Financial Sector in India. Revolutionizing Financial Services and Markets through FinTech and Blockchain, ISBN: 978-1-6684-8624-5.

2. An Impact of GST on Indian Economy and Women well Being. Women’s Impact on India: Past, Present and Future, ISBN: 978-81-19545-63-6.

3. Journey of Indian Currency towards Digital Rupee (e₹): Prospects & Challenges. Future Trends in Commerce and Management, ISBN: 78-93-5857-696-2.

4. Role of Small Finance Banks in Inclusive Growth of Indian Economy. Embracing the Tech Tsunami and Navigating Unemployment Challenges for Building a Stronger India, ISBN: 978-81-958163-3-0.

5. Review & Need for research study on Payments Banks. Management Innovations Infocomm Technology & Values, ISBN: 978-81-942547-2-0.

6. Digital Banking: An Indian Perspective. Management Dynamics in Digitalization Era, ISBN: 978-93-90238-59-0.

7. Impact of COVID-19 on Indian Industries. People, Society, Business & Technology, Challenges and Remedies in Post Covid-19 Era.

8. A study on Paytm’s Growth in India. Current Trends in Business & Economics Souvenir (Book of Abstracts), ISBN: 978-93-83861-47-7.

9. Impact of COVID-19 on India’s Trade. Management Dynamics & COVID Pandemic, ISBN: 978-81-942547-6-8.

Book Authored

1. Principles of Business Management, ISBN: 978-81-968394-3-7.

2. A study on awareness, performance evaluation and future prospects of Payments Banks in India, ISBN: 978-93-92032-45-5.

Patent

1. Multi-Chain Digital Currency Platform for Cross-Border Transactions and Smart Contracts, Patent No. 202411012600A, March 2024.

Undergraduate Courses

B.Com (Hons.) – CA Preparation & Computerized Accounting

Build strong foundations in commerce with focused CA preparation and modern accounting tools.

BBA

Gain essential management skills and business insights for diverse career opportunities.

BBA (Hons.) – Foreign Language/IELTS

Combine management expertise with global language proficiency for an international edge.

BBA – Digital Marketing & Data Analytics

Master contemporary business trends with skills in online marketing and data-driven decision-making.

Postgraduate Courses

M.Com – Finance & Technology

Advanced studies in geographical thought, quantitative techniques, spatial analysis, climatology, and development geography with applications in regional planning and sustainability.

MBA – HR/Marketing/Finance/IT/Logistics & Supply Chain Management/Business Analytics/Data Science/Finance & Technology

Excel in core management domains with expertise in logistics & supply chain, data & analytics and FinTech.

Doctoral Programme

Ph.D. – Commerce & Management

Area	Curricular Club
Finance	Vitt Arth
Marketing	Prati Dhawni
Supply Chain & Logistics	Pravah
Human Resource	Karmik
Business Analytics	Anveshak

Career Opportunities

Graduates from the School of Commerce and Management Studies are placed in sectors such as

1. FMCG (Fast Moving Consumer Goods)/Retail
2. Banking & Insurance
3. Manufacturing
4. IT (Information Technology)
5. Healthcare
6. Consultancy
7. Automobile
8. E-Commerce
9. Education
10. Startups
11. Telecommunication
12. Pharmaceutical

Connect With Us

School of Commerce & Management Studies
University of North West Himalayas (UNWH)
Village- Sangaon Bhagwanpur, Dharkot Road, Thano
Dehradun – 248143, Uttarakhand (India)

Mobile: +919927999506, +919927999509

School of Commerce and Management Studies (SCMS)

Vision

Mission

Key Features of the School of Commerce and Management Studies (SCMS)