Dr. Vijay M.  Kumbhar

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Dr. Vijay Maruti Kumbhar 

MA (Econ), Ph.D (E-Banking), B.Ed, 

NET, SET, GDC&A, DIT, PGDRD

Head, Department of Bank Management,

Dhananjayrao Gadgil College of Commerce Satara, Maharashtra 415001  

(An Autonomous College)


A/P Talsangi Tal- Mangalwedha (Solapur)


Positions and Responsibilities 

  1. Former Chairman of the Rayat Sevak Cooperative Bank Ltd. Satara
  2. Central Placement Officer, Rayat Shikshan Sanstha, Satara 
  3. Coordinator, Skill Development Projects, Rayat Shikshan Sanstha, Satara  
  4. Coordinator - IBPS Banking Guidance Center 
  5. Coordinator, Banking & Civil Services 
  6. Coordinator, Banking & Finance 
  7. Coordinator- B.Voc (Financial Markets and Services) 
  8. BoS Chairman, Bank Management, Autonomous College, DG College of Commerce, Satara
  9. BoS Member of Business Economics, Shivaji University, Kolhapur
  10. BoS Member of Business Economics, KBP College, Pandharpur (An Autonomous College)
  11. BoS Member of  Economics, Sangameswar College, Solapur  (An Autonomous College)
  12. BoS Member of International Business, TC College, Baramati  (An Autonomous College)

Research Work 

  1. 58 Research Papers Published (Banking, Agriculture, Public Policy, Agribusiness, Economics, Financial Inclusion etc)
  2. 21 Research Papers Presented in State, National and International Seminar and Conferences
  3. Google citation - 614     H Index - 12       i-10 Index -13    Research-Gate Score  -  10.49
  4. Major Research Project on An Analytical Study on Bureaucratic Corruption and Reforms in Civil Services  ICSSR), New Delhi 
  5. Major Research Project on  Development of MobiQual Scale for Measurement of Service Quality of Mobile Banking Services.
  6. Minor Research Project on Banking funded by University Grant Commission (UGC), New Delhi  
  7. Minor Research Project on Problems and Prospectus of Agro-Tourism Business- funded by Mumbai University, Mumbai
  8. 58 SIM Books for Shivaji University, Kolhapur, Mumbai University & Jalagaon University  
  9. Recognized Ph.D. Research Guide  (Economics, Banking & Business Economics)
  10. Reviewer/Referee of Journals : 08 National & International Research Journals Click here to edit text

My Books 

  1. Kumbhar, Vijay (2013). Problems and Prospects of Agritourism Business; ISBN 978-3-659-50291-0
  2. Kumbhar, Vijay and Anil Wavare (2015). Research Methodology in Economics ISBN 978-93-80876-79-5
  3. Kumbhar, Vijay (2014). Alternative Banking Channels in India, ISBN 978-3-639-70968-1,
  4. Kumbhar Vijay (2018).Autonomous College : A Challenge, ISBN 978-93-5300-657-0
  5. Kumbhar Vijay (2019). Money and Financial System, ISBN 978-81-941150-2-1
  6. Kumbhar Vijay & Wavare Anil (2019). Money and Banking, ISBN 978-81-941150-7-8
  7. Kumbhar Vijay & Wavare Anil (2019). Macro Economics, ISBN 978-81-941150-3-8
  8. Kumbhar Vijay & Wavare Anil (2019). Macro Economics, ISBN 978-81-941150-6-8
  9. Kumbhar Vijay & Prakash Tone (2020). Banking Laws in India, ISBN 978-81-88671-24-8
  10. Kumbhar Vijay & Prakash Tone (2020). Retail and Corporate Banking, ISBN 978-81-88671-25-1
  11. Kumbhar Vijay & Nillolu R.K.  (2021). Financial Markets and Services, ISBN 978-81-948708-1-4

12.Kumbhar Vijay & Prakash Tone (2021). Bank Management Practices, ISBN 978-81-948708-5-2 

Research Papers Published in UGC Listed Journals 

1. 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


2. 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


3. 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


4. 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


5. 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


6. Reliability and validity of ‘eBankQual’ Scale in ATM Service Settings: A Study, VINIMAYA(Refereed and Indexed  Journal), Vol. XXXI No. 4 January – March 2011, pp-15-26; Published by National Institute of Bank Management, Pune, ISSN:0970-8456-  UGC Journal No -  48036 


7. 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


8. 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


9. Impact of MSP, AUC and productivity on overall production of selected crops in India : a study, Abhinav - Journal of Research in Commerce & Management,, Volume No.1, Issue No.6, Issn 2277-1166, UGC Journal No - 49010


10. भारतातील व्यापारी बॅंकांची अनिष्पादित मालमत्ता  :एक तुलनात्मक  अभ्यास , Lokavishkar Interantional 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  
11. 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 

12. An Analytical Study of Rajiv Gandhi Jeevandayee Arogya Yojana (RGJAY) in Maharashtra, Online International Interdisciplinary Research Journal, February 2015 issue. ISSN2249-9598, Impact Factor 2.32. UGC Journal No - 46964     

13. 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 

14. 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


15.  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


16. Micro Units Development and Refinance Agency (MUDRA) Bank, Journal of Current Science & Humanities,  ISSN 2347-7784

(Impact Factor – 2.05)    UGC Journal No - 48035


17. 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 

18. Vijay M. 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 Issue Impact Factor-5.818 ISRA:JIF   UGC Journal No - 46964


19. 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 2019 Impact Factor-5.818 ISRA:  JIF     UGC Journal No - 46964


20. Vijay Kumbhar  (2019)  चेक ट्रंकेशन सिस्टम : एक नाविन्यपूर्ण चेक वठवणुक सुविधा,  RESEARCH JOURNEY 6 (4), 374-387,  ISSN No: 2348-7143 Peer Reviewed Journal 

21. Vijay Kumbhar & Amol Kolekar (2019) Innovative Business Practices of Indian Hotel Industry : An Overview,  RESEARCH JOURNEY (Special Issue), 13,  ISSN No: 2348-7143 Peer Reviewed Journal  

22. Vijay Kumbhar &Satish Kadam (2019) Development of Road Infrastructure and Public-Private Partnership : Some Issues and Problems,  RESEARCH JOURNEY (Special Issue), 13,  ISSN No: 2348-7143 Peer Reviewed Journal  

23. Vijay Kumbhar & Revan Navale (2019) A Study on Innovative Sales Strategies in Mobile Phone Firms and Manufacturers : A Critical Review of Mobile Industry in India,  RESEARCH JOURNEY (Special Issue), 13,  ISSN No: 2348-7143 Peer Reviewed Journal 

24. Vijay Kumbhar & Amol Kolekar (2020) Recent Trends and Issues in Indian Hotel Industry,Our Heritage 68 (33), 443-448, ISSN No: 0474-9030 UGC Care Listed Journal https://archives.ourheritagejournal.com/index.php/oh/article/view/3216/3080
 
 

Research Papers Published in Non-UGC Listed Journals 

1. 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

2. भारतातील सार्वजनिक बॅंकांमधील ईबँकिंग सेवांचा विकास” Published in Arthasanvad issue 22, Vol 3, Oct- Dec 2009, ISSN 0973-8452pp 214-222 


3. भारतातील अन्नसमस्या : मुलभूतपरिक्षण, YOJANA, GOI, Publication Division, October, 2010, Vol-38, Issue-3 pp—52;  ISSN- 0971-8397


4. राष्ट्रीयकृत खाजगी बँकातील .टी.एम सेवा वापरणाऱ्या ग्राहकाच्या समाधान पातळीचा तुलनात्मक अभ्यास, Arthasanvad, Issue of Oct- Dec 2010, ISSN 0973-845234, 03, pp 236-243


5. 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


6. 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


7. 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)


8. 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,Veloxian Learning & Consultancy,Bhubaneswar, Orissa


9. 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


10. 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,


11. 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, was founded by the Faculty of Management, Academy of Economic Studies, Bucharest, Romania (Europe),


12. 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


13. भारतातील जनगननेचा पूर्वइतिहास २०११ च्या जनगननेतील वास्तव, Yojana , Govt. of India, Publication Division, July 2011,pp 17-09,ISSN- 0971-8397


14. Customers’ Perception in Electronic Fund Transfer (EFT) Service: A Study of Public and Private Sector Banks in India, ArthAnveshan,Vol- 6 Issue - 2, pp 66-76, ISSN: 0973‐8193, Shri Mata Vaishno Devi University, Katra-182 321, (J&K)


15. 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


16. 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,


17. भारतातील इलेक्ट्रॉनिक देयक पद्धती : एक चिकित्सक अभ्यास, Research Front, Vol 1, Issue 1, pp 97-102 ISSN 2320 – 6446


18. Some Critical Issues of Women Entrepreneurship in Rural India, European Academic Research, Vol. I, Issue 2/ May 2013  Impact Factor: 3.4546 (UIF)

 19. A Conceptual Design of Multifunctional Utility Card, Indian Streams Research Journal 3 (6), 1-6 Impact Factor : 4.1625 (UIF)  सातारा जिल्ह्यातील

20. मजूरवर्गाच्या दारिद्रयाचे एकवास्तववादी विवेचन, Golden Research Thoughts -Vol 3 Issue 5 Nov 2013, ISSN No :2231-5063, Impact Factor : 1.2018 (GISI) ; Impact Factor : 1.9508(UIF)

21.  दि रयत सेवक को-ऑपरेटीव्ह बँक लि. सातारा : पगारदार नोकरांच्या बँकेचा चिकित्सक अभ्यास: सहकारी महाराष्ट्र, Dec 2016. ISSN: 0972-3218

22. ई -बँकिंग सेवांमधील ग्राहक समाधान मोजण्यासाठी ईबँकक्वॉल साधन, Arthasanvad, July-Sept 2018,40-02  ISSN 0973-845234


23. आभासी चलनाचा (क्रिप्टो करन्सी) वापर व भारतीय बँकिंग व्यवसाय, Shivarth, ISBN 978-81-907287-8-2 Shivaji University Economics Association, Kolhapur, Dec 2018

Conference and working Papers

1. महाराष्ट्राच्या कृषी व्यवसायातील मुलभूत बदलाची दिशा , Shivaji University Economics Association, Kolhapur 2019


2. Food Insecurity in India: Natural or Artificial? (Working Series paper uploaded on online data base of MPRA) https://mpra.ub.uni-muenchen.de/23661/


3. Agro-Tourism: Scope and Opportunities for the Farmers in Maharashtra,Indiastat E-journal in sep-oct. 2009 Socio Economic Voices 


4. Crisis in Sugar Cooperatives In Maharashtra (India), Articlebase.com in sep. 2009.  (Review Type Article)


5. सेझ कायद्यातील वास्तविकता  , RajarshiShahu Arts and Commerce College, Rukhadi (Kolhapur)


6. Information Asymmetry and Failure of E-Banking Services: A Study (Marathi),YashwantraoChavan College, Halkarni (Chndagad) Dist-Kolhapur


7. Nuclear Power: Needs and Problems in Electrical India, Mumbai, June 2010,Vol. 15 No. 6,  Published by Chary Publication. Mumbai


8. Co-operative Agro-Tourism Centers: A Useful Option (Marathi) In Baliraja Magazine, November, 2010, Pune.


9. Nuclear Power: Is an Excellent Alternative for India  Published in Electrical India, Nov. 2010, ,Vol. 15 No. 11, Published by Chary Publication, Mumbai


10. Electricity Problem in India: Facts and Projection, Electrical India Nov. 2010, ,Vol. 16 No. 11, Published by Chary Publication, Mumbai


11. Agro-Tourism: A Cash Crop for Farmers in Maharashtra (India), MPRA Paper No. 25187, posted 21. September 2010 20:11 UTC, https://mpra.ub.uni-muenchen.de/25187/

12. Progress of Non-Agriculture Credit Cooperative Societies in Maharashtra? (Marathi)” published in proceedings of State Level conference organized on Non-Agriculture Credit Cooperative Societies in Maharashtra organized by Dahiwadi College Dahiwadi (Satara)


13. eBankQual: A Multidimensional Scale for Assessment of Customers’ Satisfaction in E-Banking Service Settings, Poona College of Arts Science and Commerce, Pune (MS)


14. A Multidimensional Conceptual Instrument (eFI-Test) for Assessment of E-Financial Inclusion, Dept. of Economics, Shivaji University, Kolhapur

Impact of MSP, AUC and Productivity on Overall Production of Selected Crops in India: A Critical Examination, Arts College of Kowad, Kowad, Kolhapur


15. Agricultural Pricing Policy in India, KBP College Pandharpur (Dist- Solapur)


16. Tourist Expectation and Brand Creation in Agri -Tourism: A Critical Study, AbasahebMarathe College, Rajapur


17. Need of Co-operative Based Jaggery Units as a Alternative for Private Jaggery Unites(Marathi) Published in SHETIPRAGATI Magazine (Marathi) March 2011, pp 48-49, by TejasPrakashan, Kolhapur.


18. Agri Tourism: Planning and Marketing (Marathi) Published in SHETIPRAGATI Magazine (Marathi) April 2011, pp 32-33, by TejasPrakashan, Kolhapur.


19. Financial Inclusion Through M-Banking Services: Scope and Problems in India, Kumbhar, Vijay, (Working Series paper uploaded on online data base of MPRA) 


20. Customers’ Satisfaction in ATM Service: A Comparative Study of Public and Private sector Banks in India”  published in proceedings of 4rd International Conference (Emergence of India as Global Economic Superpower: Fiction or Future? Organized by Poona College of Arts and Commerce, Pune


21. Some Critical Issues of Women Entrepreneurship in Rural India”  published in proceedings of State Level Seminar organized by Savitribai Phule Mahila Mahavidhyalya, Satara


22. Customers’ Satisfaction and GAP Analysis: A Study of ATM Service of Public and Private Sector Banks in India” published in proceedings of International seminar on “Financial Inclusion” organized by C. D. Jain College of Commerce, Shrirampur Dist-Ahmednagar ISSN 2231-4687


23. कृषिपर्यटन व्यवसाय : पर्यटकांच्या अपेक्षा व ब्रॅंडनिर्मिती  “ published in proceedings of State Level Seminar organized by Dahiwadi College, Dahiwadi, Satara


24. Refinement and Retesting of ‘eBankQual’ Scale in Internet Banking Service Settings” 7th National seminar on “eITBM2012 organized by VIIT, Baramati


25. A Multidimensional Scale (eBankQual) for Assessments of Customers Satisfaction in E-Banking Service Settings” published in proceedings of National Seminar on Commerce and Banking in 21th Century, organized by D. G. College of Commerce , Satara ISBN 978-93-5067-765-0


26. Digging Gold in Agriculture without Support of the Government: Some Empirical Evidences form Agritourism Business in Konkan, Maharashtra, Sinhgad Business School, Kegoan, Solapur ISSN 2231-2137 


27 Livestock sector in India-recent trends and progress (2012), Ezinee-Magazine, ISSN: 1525-7126, April 14, 2010, EzineArticles.com, PO Box 12740 Green Bay WI 54307 Available at SSRN 2258220


28 A Critical analysis of FDI in Insurance Sector in India, International seminar on “FDI In India” organized by C. D. Jain College of Commerce, Shrirampur


29 Refinement and Retesting of “eBankQual” Scale in Internet Banking Service Settings, Munich Personal RePEc Archive, MPRA Paper No. 46446, posted 22 April 2013 13:17 UTC https://mpra.ub.uni-muenchen.de/46446/1/MPRA_paper_46446.pdf   


30 Establishment and Development of Agritourism” Published in proceedings of National Seminar on 'Global Competency of Agro-based Industries' Savitribai Phule Mahila Mahavidyalaya, Satara ISSN 2230-7850


31 A Critical Review on Adoption of Internet Banking’ Published in proceedings of National Conference on Recent Trends in Economics, Commerce and Management, organized by D. G. College of Commerce , Satara ISSN 2230-7850


32 Agro Tourism : Scope and Opportunities” Published in proceedings of national conference organized by Shivaji Mahavidhyalaya Udgir Dist-Latur ISBN 978-81-908303-3-1


33. Maharashtra in the Light of Census 2011, National Seminar on Populationb Explosion and Environment, Arts and Commerce, College Pusegaon ISSN 2320 -6446


34 Growth and Performance of Tourism sector in India” Published in proceedings of International Conference on Recent Trends in Economics, Commerce and Management, organized by D. G. College of Commerce , Satara ISSN 2249-7463


35 Factors Responsible for Corruption Perception of the Citizens from Various Professions and Religions in India” Published in proceedings of International Conference on Recent Trends in Economics, Commerce and Management, organized by D. G. College of Commerce , Satara


36 An Analytical Study of Rajiv Gandhi JeevandayeeArogyaYojana (RGJAY) in Maharashtra, Rural Public Health services in Maharashtra Organized by Arts & Commerce College, Satara


37 Analytical Study of MNEREGA Scheme, National Conference of MNEREGA organized by the Arts & Commerce, College, Savalaj (Sangli)

38 Reality of Money in Swees Banks, Vichakshan Magazine, ISSN : 2394 – 8027,  Issue 4th April 2015


39 Good Employees Leave Manager or their Organization? “Published in proceedings of 3rd One Day International Conference on  “Contemporary Issues in Commerce, Economics and Management” ISSN (Print): 2394-207X


40 A Multidimensional Tool  for Assessment of Financial Inclusion with Special Reference to Rural Area” Published in proceedings of National Seminar organized by Dept of Economics, Shivaji University, Kolhapur


41 Micro Units Development and Refinance Agency (MUDRA) Bank  Published in proceedings of National Seminar organized by Amadar Shahsikant Shinde Mahavidhyalaya, Medha Dist – Satara ISSN 2347-7784


42 Demonetization in India" at International Conference Organized by D.G. College of Commerce, Satara


43 Union Budget 2017-18 leads to Banking and Finance Sector, Vichakshan Magazine, ISSN : 2394 – 8027, Special Issue February 2017


44 Education For Social Change and Economic Up-liftment: A Views of Rajarshi Chhatrapati Shahu Maharaj" National Seminar organized by Dept of Economics, Shivaji University, Kolhapur

Felicitation by Hon'ble Adv. Bhagirath Shinde (Vice-Chairman, Rayat Shikshan Sanstha) and Managing Council Members  

Hon'ble Prin. Dr. Vitthal Shivankar (Secretary, Rayat Shikshan Sanstha, Satara) 

Hon'ble Prin. Dr. Pratibha Gaikwad (Joint Secretary (H.Edu), Rayat Shikshan Sanstha, Satara) 

Hon'ble Prin. DR. Ganesh Thakur (Former, Secretary, Rayat Shikshan Sanstha, Satara)

With Hon'ble Mr. Avinash Joshi (Rtd. Assistant General Manager, Reserve Bank of India) 

With Hon'ble N.D> Patil, Hon'ble Anil Patil, Hon'ble Dr. Patangrao Kadam and Adv. Dilawarsaheb Mulla 

With Hon'ble Prin. Dr. J.G. Jadhav, Prin. Dr. Nanasaheb Gaikwad and Late Ravsaheb Shinde (Former Chairman of Rayat Shikshan Sanstha, Dr. Anil Patil Chairman of Rayat Shikshan Sanstha) 

Receiving Best Urban Cooperative Bank Award by Hon'ble Mr. Satish Marathe Saheb 

Hon'ble Prof. Dr. D.T. Shirke (Vice Chancellor, Shivaji University, Kolhapur) 

With Hon'ble Prof. Manikrao Salunkhe, Former Vice Chancellor of Shivaji University, Kolhapur 

With Hon'ble Dr. Shivajirao Kadam (VC Bharati Vidhyapith) and Hon'ble Kawade Saheb, Joint Secretary, UGC-WRO

With Hon'ble Prin. Dr. D. R. More (Former BCUD, Director) and Prin. Dr. Sushama Kulkarni, Director, RIT 

With Hon'ble Dr. Anil Patil, Mr. Sanjeev Patil , Prin. Dr. BT Jadhav, Adv. KV Patil & Mr. Sujeet Jagadhane Saheb 

With. Prin. Ganesh Patil, and his team - Annual Programme of the School at Sangli

With Prin. M. L. Jadhav (Azad College of Education, Satara) 

With Hon'ble Mr. Ramsheth Thakur (Former MP, Panvel) & Managing Council Member of Rayat Shikshan Sanstha

Guidance on Academic Autonomy 

State Level Award . D. A.. Shinde Trust Pune - 

With Hon'ble Sarojmai Patil, Principal and Staff members of KBP Islampur 

With Hon'ble Sureshji Kote, CEO, Mahila Gruh Udhyog Lijjat Papad 

With Mr. Prakash Misal, Prin. Dr. Mohan Rajamane (SGM College, Karad) 

Addressing the Directors of The Rayat Sevak Cooperative Bank Ltd. Satara