Niranjan Kulkarni - RV University

Niranjan Kulkarni

Associate Professor


  • About
  • Research Summary
  • Awards & Achievements

10 years of focused experience in Banking & Corporate Treasury function. 7 years of training, teaching and development experience in education sector. Design thinker at heart and entrepreneur by mindset.

Golden divider

Work on mind, else keep working for money!

  • Financial Literacy: The knowledge and skills required to make informed financial decisions. *Financial Therapy: A multidisciplinary approach that combines financial counseling with therapeutic techniques to address the emotional and psychological factors influencing financial behaviors.
  • Emotional Regulation: The ability to manage and respond to emotional experiences, particularly those related to financial stress and decision-making.
  • Cognitive-Behavioral Therapy (CBT): A form of psychological therapy that focuses on changing negative patterns of thought and behavior, which is often integrated into financial therapy to address financial stress and anxiety.
  • Behavioral Finance: A field of study that examines how psychological factors influence financial decision-making, often leading to irrational or suboptimal financial behaviors.
  • Research Interests:
  • Exploring the use of digital tools and platforms in delivering financial therapy.
  • Investigating how behavioral finance theories can inform financial therapy practices.
  • Creating and assessing financial literacy programs integrated with financial therapy.
  • Developing guidelines and frameworks for ethical practice in financial therapy.
  • Investigating the specific financial stressors and needs of entrepreneurs.
  • Teaching Excellence Award (2021) – Honored by the Department of Management, Vishwakarma University, for outstanding commitment to student success and innovative curriculum design in finance.

  • Global Jury & Evaluator (2022) - Recognized by Wadhwani Foundation for evaluating high number of global student start-up proposals.

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