INDERJIT SINGH*; HARVINDER S. MAND**; AMARJIT GILL***
*Associate Professor, Department of Commerce,
Bikram (P.G.) College of Commerce,
Patiala, Punjab, India.
**Assistant Professor of Business Administration,
Sikh National College,
Banga, Punjab, India.
***Faculty Lead, Finance, College of Business Administration,
Trident University International,
5757 Plaza Drive, CA – 90630, USA.