Bio: Dr. Rajneesh Kumar Karloopia is an Assistant Professor in Commerce with over six years of teaching and research experience. He holds a Ph.D. in Management and UGC-NET. His research primarily focuses on consumer behaviour, with doctoral work on life insurance purchasing behaviour in Jammu & Kashmir. His academic interests include Marketing Management, Strategic Management, Financial Management, Industrial Relations, and Entrepreneurship. He has published research in Scopus-indexed and UGC-listed journals and presented papers at national conferences. In addition to teaching and research, he has delivered extension lectures on financial literacy and career counseling, coordinated entrepreneurship development and financial awareness programs, and actively participated in academic initiatives under ICSSR, DST, GIAN, NPTEL, and SWAYAM.