Associate Professor – Finance

Email : gazia.sayed@aiaims.edu.in, Scopus, LinkedIn Profile,

Dr. Gazia Sayed is an accomplished academician, researcher, and management educator with over 20 years of experience in higher education, academic administration, research, and student development. She holds a Ph.D. in Management Studies from the University of Mumbai and is an approved teacher for the MMS programme of the University of Mumbai since 2016.

Currently serving as Associate Professor of Finance at A.I.’s Allana Institute of Management Studies, she is committed to developing finance professionals through a combination of conceptual understanding, analytical thinking, practical application, and industry exposure. Her areas of teaching and academic interest include Corporate Finance, Corporate Valuation, Financial Markets & Institutions, Banking, and Investment Management.

Educational Qualifications

  • B. Com., MMS (Finance), Ph.D. (Management Studies)

Publications

Publications
Month & YearCategoryDescription
Mar 2026National JournalAn Impact of the Amalgamation of Oriental Bank of Commerce and United Bank of India with Punjab National Bank on Financial Performance, Advances in Consumer Research, ISSN : 0098-9258, Vol : Issue 3, Advances in Consumer Research
Jul 2024National JournalThe Interplay of Ethics, Culture, and Society in the Age of Finance Digital Transformation, Journal of Southwest Jiaotong University, ISSN : 0258-2724, Vol 59, No 2 July (2024), Journal of Southwest Jiaotong University
Sep 2022National JournalSelecting Valuable Long-Term Stocks - A Sorting Exercise Using Fundamental Analysis, Journal of Development Research, ISSN : 2229-7561, Vol. 14 : Issue No.4 : pp 30-47 Vivekanand Education Society's, Institute of Management Studies & Research (VESIM)
Jun 2020National JournalCustomer Experience with Digital Banking - A Comparative Study of Private and Public Sector Banks, Productivity – A Quarterly, Journal of The National Productivity Council (NPC), ISSN : 0032-9924 e-ISSN : 0976-3902 Vol. 61 : April - June 2020 : No.1, The National Productivity Council (NPC) - An autonomous organization under Ministry of Commerce & Industry, Government of India.
Apr 2018National JournalChallenges faced by Micro, Small and Medium Enterprises of Mumbai, IOSR Journal of Business Management, e- ISSN : 2278 - 487X p- ISSN : 2319 -7668, Volume : 2, IOSR Journal of Business Management.
Feb 2018International ConferenceInternational Management Research Conference ADMIFMS IMRC 2018 on "Building Block For Strong India Incorporation, Challenges faced by Micro, Small and Medium Enterprises of Mumbai, Alkesh Dinesh Mody Institute for Financial and Management Studies, University of Mumbai, Alkesh Dinesh Mody Institute for Financial and Management Studies, University of Mumbai Published in the IOSR Journal with ISSN number., Received the Best paper award for the same
Dec 2016National JournalStudy of Satisfaction Level of MSMEs due to Microfinance using Discriminant Analysis, BVIMSR’s Journal of Management Research, Impact Factor – SJIF (2014) = 3.438 and 12OR-PIF (2015) = 4.239 ISSN: 0976 – 4739, Vol 8, BVIMSR
Jul 2016National ConferenceNational Conference on Make In India Perspective Boon for Microfinance, Study of Satisfaction Level of MSMEs due to Microfinance using Discriminant Analysis - An Empirical Study, Bharati Vidyapeeth's Institute of Management Studies & Research in collaboration with NABARD, Bharati Vidyapeeth's Institute of Management Studies & Research Published in Conference Proceeding.
Jan 2016National JournalRole of Micro Finance Institutions in Development of MicroEnterprises (MSMEs) in Mumbai - An Empirical Study, IOSR Journal of Economics and Finance, e-ISSN: 2321-5933, p-ISSN: 2321-5925, Volume - 21, Somaiya Institute of Management Studies and Research
Jan 2016National ConferenceSIMSR International Finance Conference (SIFCO 2016), Role of Micro finance Institutions in development of MSMEs in Mumbai, K. J. Somaiya Institute of Management Studies & Research, Mumbai, K. J. Somaiya Institute of Management Studies & Research, Mumbai, Published in Conference Proceeding.
Feb 2015National ConferenceSIMSR Finance Conference SIFICO 2015 on Contemporary Issues in Modern Finance, SME Financing – BSE SME Platform : new solutions to an old problem, K. J. Somaiya Institute of Management Studies & Research, Mumbai, Published in the book titled ‘Contemporary Issues in Modern Finance, Excellent Publishing House, N. Delhi’ ISBN : 978-93-84935-13-9 pg. 88-94.
Jan 2015National JournalMeasurement and Analysis of Market Value Added in the Indian Banking Sector : An Empirical Study of Select Indian Banks, PJMTR (Presidency Journal of Management Thought & Research, ISSN 2229-5275, Volume V, Issue 1, Centre for Management Studies, Presidency College
Dec 2014National JournalBehavioral Finance and Investor Psychology - An Empirical Study, Journal of IMS Group, ISSN 0973-824X (listed in Cabell’s Management Directory, USA), Vol. 11, No. 2 pp. 28-40, Institute of Management Studies, Ghaziabad.
Sep 2014National JournalIndian Mutual Funds: An Empirical Study of Investors' Awareness, Journal of Management Research, ISSN 0976-0628, Volume VI, Issue 09, Chetana's Institute of Management & Research.
Feb 2014National ConferenceSIMSR - Finance Conference on Financial Markets in Changing Economic Scenario - SIFICO 2014, Mutual Fund And Investor’s Perception - An Empirical Study, K. J. Somaiya Institute of Management Studies & Research, Mumbai, Published in a CD with ISBN: 978-93-83083-49-7.
Mar 2013National JournalWorking Capital Cycle: A study in selected Indian FMCG Companies, SIES Journal of Management, ISSN 0974-2956 Volume 9, Issue 1, SIES College of Management Studies
Feb 2013National Conference2nd SIMSR Annual Finance Conference SIFICO 2013, Market Value Added : A Study in the Select Indian Pharmaceutical Companies, K. J. Somaiya Institute of Management Studies & Research, Mumbai, Published in Conference Proceeding (CD).
Jan 2013National JournalComparative Analysis of Four Private Sector Banks as per CAMEL Rating, Business Perspectives and Research, ISSN 2278-5337, Volume 1 No 2, K. J. Somaiya Institute of Management Studies & Research
Aug 2010National JournalGlobal Financial Crises : Impact on Indian Banks and Measures taken to Survive, KHOJ Journal of Indian Management Research and Practices, ISSN 0976-8262.,Volume I, Issue 01, MIT School of Management (MITSOM).
Dec 2009National ConferenceAsian Management Congress 2009 (AmCon ’09) on Storming the Global Business : The rise of Asian Tigers, Storming the Global Business through the strategy of Mergers and Acquisitions – An Indian Perspective, Asian School of Business Management, Bhubaneswar, The abstract is published in the Conference Souvenir. The paper is published in the book titled ‘Storming The Global Business : Rise of the Tigers’ published by Excel Books, New Delhi ISBN : 978-81-7446-788-1 pg. 183.
Nov 2009National JournalMergers and Acquisitions : A Tool to Face Global Business Challenges, KBSCMR’s Journal of Management Research, ISSN No 0975-1513, Volume – 2, Kohinoor Business School and Centre for Management Research
Nov 2009National ConferenceNational Seminar on ‘Global Economic Slowdown – Challenges and Opportunities, India and the Global Financial Crisis - Impacts, Lessons and the Way Head, Lala Lajpatrai Institute of Management. Published in Conference Proceeding (CD).
Aug 2009National ConferenceNational Conference on Finance and Banking – 2009, Indian Banking and Adoption of Basel Norms: Are we ready???. ,Saintgits Institute of Management, The abstract is published in the book of abstracts
Jan 2009National JournalBPO, KPO, What Next? IPO (Intellectual Power Outsourcing), Journal of Management Research ‘Thinking Beyond, ISSN 0976-0628, Volume I, Issue 02, Chetana's Institute of Management & Research
Jan 2009International Conference12th Nirma International Conference on Management - Strategic Human Resource Management and Entrepreneurship in changing business Scenario, Peoples issues in Mergers and Acquisitions- Human Due Diligence Nirma Institute Of Management, Published in Conference Proceeding (CD).
Jan 2009International ConferenceInternational Conference on Economics and Finance, Facing Global Competition in the Indian Banking Industry - Through Consolidation of Banks, IBS Bangalore, Published in Conference Proceeding (CD).
Dec 2008International ConferenceInternational Conference on Doing Business In India, Business Opportunities in the world’s largest Democracy – India IFIM Business School – Bangalore, Published in Conference Proceeding (CD).
Dec 2008International ConferenceICMC-2008, International Conference On Management Cases, Case Study on ‘Bingo’ ITC Finally got it-“No Confusion. Great Combination’, IMT Ghaziabad & George Mason University- Virginia IMT Ghaziabad, Published in the ‘Handbook on Management Cases’ published by Allied Publishers Pvt. Ltd., ISBN : 978-81-8424-390-1 pg. 391.
Dec 2008International ConferenceNational Conference On Financial Sectors Contemporary Issues, Microfinance is Powerful but it is no Panacea for Economic Development, IBS Bhubeneshwar,The abstract is published in the Conference Souvenir. The paper is published in a complied volume book titled ‘Financial Sector : Contemporary Issues’ published by Serials Publication, New Delhi ISBN : 978-81-8387-281-2 pg. 323
Sep 2008National ConferenceNational Conference on Finance & Banking (NCFB-2008), Wealth Management – A Need Of An Hour, Saintgits Institute of Management, Kerala Published in the book titled ‘Finance & Banking: An Anthology of Contemporary Research (Edn), Excel Publishers, N. Delhi’ ISBN : 81-907196-2-9
Aug 2008National Conference20th AIMS Annual Convention 2008, Global Hub of Knowledge Capital – India,, Prin. L. N. Welingkar Institute of Management Development and Research, Mumbai, Published in Conference Proceeding (CD).
Aug 2008International ConferenceInternational Conference on Opportunities and Challenges in the global Business, Facing Challenges and Opportunities in the Global business through Mergers and Acquisitions, International Institute of Foreign Trade and Research (IIFTR) - Indore.,Published in the book titled ‘Opportunities and Challenges in the Global Business Excel Publishers, N. Delhi’ ISBN : 978-81-7446-718-8 pg. 84.
Feb 2008National ConferenceCorporate Restructuring Through Mergers and Acquisition, Thakur Institute of Management Studies and Research, Published in Conference Proceeding (CD). Received the First Prize for Best Paper

Research

  • A Corporate Finance
  • B Banking
  • C Corporate Valuation
  • D Financial Modelling
  • E Accounting

Awards

  • Won the Best Faculty - First Runner-up award at IES MCRC in the year 2015.
  • Won the Best Performance in administration, co-curricular and extracurricular activities award in the year 2012.
  • Won the best committee award in the year 2015 and 2019 (Was the convenor of the Committee).
  • Won the best paper award for the paper titled ‘Corporate Restructuring Through Mergers and Acquisition’ organized by Thakur Institute of Management.
  • Won the best paper award for the paper titled ‘Challenges faced by Micro, Small and Medium Enterprises of Mumbai’ organized by Alkesh Dinesh Mody Institute for Financial and Management Studies, University of Mumbai

Courses Taught

  • Structural Engineering
  • Bridge Engineering
  • Pre-stressed Concrete
  • Advanced Structural Analysis
  • RCC & Steel Design

Patents

Title Design / Application No. Status / Publication Date
Embedded Blockchain System for Secure KYC and Digital Identity Management in Banking 202511085866 Published 26th September 2025
Model Building For Lending Money To MSME By MF 8277/2025-CO/L 2025