Hemangine Rai, is presently in the advanced stage of her Ph.D., pursuing it from Veer Bahadur Singh University, Jaunpur. UP. Completed Master In Financial Management with a specialization in Risk and Insurance from Banaras Hindu University. Presented a Research Paper at the International Conference at SMS, Varanasi in 2019 on the topic: The Impact of Spirituality on Financial decision-making. Also Presented a Research Paper at the National Conference held at Raj SMS, Varanasi in 2020, on the topic: The Impact of Financial Literacy on Student Investment Behavior Patterns.