Dr. Vijaya Jyothi Nethal, is presently working as Associate Professor, Department of Management Studies in Gayatri Vidya Parishad College for Degree and PG courses (A) Visakhapatnam. She holds Docton Degree from Andla University and MBA from Aadn University Visakhapatnam. She has done her Bachelor's degree in Commerce from Nagarjuna University. She pursued her school education in Vijayawada. She has 20 years of experience in teaching and research. She haspublished 20 Research articles both National and International jumals. She has one book and some chapters so far. She is under five research scholars doing their research in different areas of Finance, Marketing and Human resources. Her areas of Interest Finance and Banking