Dr Madhu Lal M is Assistant Professor at the School of Management and Business Studies, Mahatma Gandhi University, Kottayam, Kerala. He has more than seven years of teaching experience in the field of Commerce and Management. He specialises in finance and marketing. He holds a PhD in Finance, an MPhil in Finance, an MBA in Marketing and a Master of Commerce in Finance. He has been associated with many educational programs as a coordinator and resource person. He has published research articles in national and international journals and book chapters. He has authored an international book.