<h1 style="margin-top: 12.8pt;"><span lang="EN-US" style="color: #3871b1; letter-spacing: -.2pt;">Honors,</span><span lang="EN-US" style="color: #3871b1; letter-spacing: -.8pt;"> </span><span lang="EN-US" style="color: #3871b1; letter-spacing: -.2pt;">Awards</span><span lang="EN-US" style="color: #3871b1; letter-spacing: -.65pt;"> </span><span lang="EN-US" style="color: #3871b1; letter-spacing: -.2pt;">&amp;</span><span lang="EN-US" style="color: #3871b1; letter-spacing: -.8pt;"> </span><span lang="EN-US" style="color: #3871b1; letter-spacing: -.2pt;">Scholarships</span></h1>
<p class="MsoListParagraph" style="margin-top: 2.5pt; text-indent: -18.0pt; mso-list: l0 level2 lfo1; tab-stops: 36.0pt;"><!-- [if !supportLists]--><span lang="EN-US" style="font-size: 10.0pt; font-family: 'Georgia',serif; mso-fareast-font-family: Georgia; mso-bidi-font-family: Georgia; color: #3871b1; mso-font-width: 123%;"><span style="mso-list: Ignore;">&bull;<span style="font: 7.0pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><!--[endif]--><strong style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.2pt;">Received</span></strong><strong style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.15pt;"> </span></strong><strong style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.2pt;">Merit</span></strong><strong style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.1pt;"> </span></strong><strong style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.2pt;">based</span></strong><strong style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.05pt;"> </span></strong><strong style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.2pt;">Doctoral</span></strong><strong style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.1pt;"> </span></strong><strong style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.2pt;">Scholarship</span></strong><strong style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt;"> </span></strong><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.2pt;">(2020</span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.05pt;"> </span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.2pt;">-</span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.1pt;"> </span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.2pt;">2024)</span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.1pt;"> </span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.2pt;">from</span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.1pt;"> </span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.2pt;">Central</span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.05pt;"> </span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.2pt;">University</span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.05pt;"> </span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.2pt;">of</span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.05pt;"> </span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.2pt;">Karnataka,</span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.05pt;"> </span><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; letter-spacing: -.2pt;">GOI.</span></p>
<p class="MsoListParagraph" style="line-height: 111%; mso-list: l0 level2 lfo1; tab-stops: 36.0pt; margin: 1.8pt 17.55pt .0001pt 36.0pt;"><!-- [if !supportLists]--><span lang="EN-US" style="font-size: 10.0pt; line-height: 111%; font-family: 'Georgia',serif; mso-fareast-font-family: Georgia; mso-bidi-font-family: Georgia; color: #3871b1; mso-font-width: 123%;"><span style="mso-list: Ignore;">&bull;<span style="font: 7.0pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><!--[endif]--><strong style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; line-height: 111%; color: #1d1d1d;">Selected as fully sponsored Doctoral researcher for presenting research work </span></strong><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; line-height: 111%; color: #1d1d1d;">at the XIX<span style="letter-spacing: 4.0pt;"> </span>conference on Public Policy and Management organized by <strong style="mso-bidi-font-weight: normal;">Indian Institute of Management - IIM- Bangalore, India.</strong></span></p>
<p class="MsoListParagraph" style="line-height: 111%; mso-list: l0 level2 lfo1; tab-stops: 36.0pt; margin: .2pt 18.85pt .0001pt 36.0pt;"><!-- [if !supportLists]--><span lang="EN-US" style="font-size: 10.0pt; line-height: 111%; font-family: 'Georgia',serif; mso-fareast-font-family: Georgia; mso-bidi-font-family: Georgia; color: #3871b1; mso-font-width: 123%;"><span style="mso-list: Ignore;">&bull;<span style="font: 7.0pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><!--[endif]--><strong style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; line-height: 111%; color: #1d1d1d;">Patent Granted: </span></strong><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; line-height: 111%; color: #1d1d1d;">Multi-connectivity payment device. Dr. Samridhi Kapoor and Dr. Manoj Kharat. Certificate of Registration of Design. The patent office, Government of India.</span></p>
<p class="MsoListParagraph" style="line-height: 111%; mso-list: l0 level2 lfo1; tab-stops: 36.0pt; margin: 1.75pt 17.85pt .0001pt 36.0pt;"><!-- [if !supportLists]--><span lang="EN-US" style="font-size: 10.0pt; line-height: 111%; font-family: 'Georgia',serif; mso-fareast-font-family: Georgia; mso-bidi-font-family: Georgia; color: #3871b1; mso-font-width: 123%;"><span style="mso-list: Ignore;">&bull;<span style="font: 7.0pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><!--[endif]--><strong style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; line-height: 111%; color: #1d1d1d;">Invited article</span></strong><strong style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; line-height: 111%;">: </span></strong><span lang="EN-US" style="font-size: 12.0pt; mso-bidi-font-size: 11.0pt; line-height: 111%;">Financial Policies, Economic Development, and Generative AI: A New Productivity, Sustainability,<span style="letter-spacing: -.5pt;"> </span>and<span style="letter-spacing: -.5pt;"> </span>Inclusive<span style="letter-spacing: -.45pt;"> </span>Growth<span style="letter-spacing: -.55pt;"> </span>Frontier.<span style="letter-spacing: -.5pt;"> </span><strong style="mso-bidi-font-weight: normal;">Maharashtra<span style="letter-spacing: -.5pt;"> </span>Development<span style="letter-spacing: -.45pt;"> </span>Economic<span style="letter-spacing: -.5pt;"> </span>Council<span style="letter-spacing: -.45pt;"> </span>(MEDC) </strong>magazine, June 2025.</span></p>