Dr. Mohammad Shahid Zaman is an Assistant Professor in the J&K Higher Education Department (JKHED), currently serving at GDC Kangan. Before joining JKHED, he held the position of Assistant Professor at VIT University, Chennai. He earned his Ph.D. from the Indian Institute of Technology (IIT) Madras. His primary research interests include Banking and Finance, Efficiency and Productivity Analysis, Competition, and Stock Performance. Dr. Zaman has presented his research at several prestigious international conferences in India and abroad and has published his work in reputed international journals such as Studies in Economics and Finance, Indian Economic Review, Journal of Economic Asymmetries, Asian Economic Letters, and Studies in Microeconomics.