NEETU ANDOTRA*; DR. POOJA**; MS. ANKITA***; MS. RACHITA****
*HOD Commerce, University of Jammu,
J & K, India.
**Assistant Professor, Department of Commerce,
Govt. Degree College, Udhampur.
***Assistant Professor, Department of Commerce,
Udhampur Campus, Jammu University.
****Relationship Executive (IT),
J & K Bank, Jammu.