Bhagirath Prakash Baria is Assistant Professor at the Department of Banking and Insurance, Faculty of Commerce, Maharaja Sayajirao University of Baroda, India. The broad areas of his interest include macroeconomics of banking, agricultural productivity, and performance analysis of banking and insurance industries. The author strongly believes in pluralism in both teaching and research. He has a Masters’ Degree in Business Economics with two Gold Medals, has published in several reputed national and international journals, won a Young Researcher Award, founded a non-profit educational initiative called The Cafe Economics (TCE), and is pursuing a Ph.D. in the area of International Finance.