IMG 20220413 144759

Dr. Nirmal Singh

Assistant Professor

Nirmal Singh is an Assistant Professor in the Department of Management Studies, Faculty of Management and Commerce, Ramaiah University of Applied Science. He obtained his doctorate from the Indian Institute of Technology Roorkee. His areas of research include Banking market structure, Competition, Bank stability, Income diversification and Institutional change.


  • B.Com.

    Himachal Pradesh University, Shimla

  • M.A. (Economics)

    Central University of Himachal Pradesh

  • PhD (Economics)

    Indian Institute of Technology Roorkee

Banking competition, Income diversification, Market structure, Institutional change

National Journal Papers

  • Gulati, R. and Singh, N. (2021) Diversification-Stability Nexus in the Indian Banking Industry: An Exploration Using Panel Threshold Analysis’, Prajnan: Journal of Social and Management Sciences, 50(3), pp. 259 – 284.

International Journal Papers

NET JRF, SET (Himachal Pradesh)