Xavier’s College (Autonomous), Kolkata, India. She is also guest lecturer at other colleges in India. She has a PhD in Commerce with specialization in Accounting and Finance from University of Kolkata. Her primary areas of interest are microinsurance, rural development, financial inclusion, microfinance, micro savings and microcredit, among others. With teaching experience of almost 10 years, Dr. Roy has published over twenty scholarly research papers. Her debut book, Microinsurance: Including the Excluded was published in 2015.