International Journal of Multidisciplinary Research in Science, Engineering and Technology

International Journal of Multidisciplinary Research in
Science, Engineering and Technology

|[email protected]| Impact Factor: 8.206 | Follows UGC CARE Journal Norms and Guidelines|

|Monthly, Peer-Reviewed, Refereed, Scholarly, Multidisciplinary and Open Access Journal|Impact factor 8.206 (Calculated by Google Scholar and Semantic Scholar| AI-Powered Research Tool| Indexing in all Major Database & Metadata, Citation Generator |Digital Object Identifier (DOI)|

79

VOLUME 9, ISSUE 4, APRIL 2026

2.

A Study on Green HR Practices

GAURI KRISHNA WAGH, DR.DEEPMALA BIRADAR (HALLALE)

Department of MBA, Human Resources Management, International Centre of Excellence in Engineering and Management, Chh Sambhaji Nagar, (Aurangabad), India

Associate Professor & HOD, Department of MBA, International Centre of Excellence in Engineering and Management, Chh Sambhaji Nagar, (Aurangabad), India

DOI:10.15680/IJMRSET.2026.0904002

3.

HealthGuard AI - AI-Driven Public Health Chatbot for Disease Awareness

OM BAIT, SARTHAK SURSHETWAR, RAJ BHERE, ADITYA SAWANT, CHETASHRI BHUSARI

Department of Information Technology, Vidyalankar Polytechnic, Mumbai, India

Guide, Department of Information Technology, Vidyalankar Polytechnic, Mumbai, India

DOI:10.15680/IJMRSET.2026.0904003

4.

Internet Banking Service Quality and Customer Retention in the Indian Banking Sector: An Empirical Investigation

CHINTHA PRASHANTI, DR. SIREESHA NANDURI

MBA Candidate, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, India

Associate Professor, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, India

DOI:10.15680/IJMRSET.2026.0904004

6.

Impact of Digital Mutual Fund Platforms on Investment Behaviour of Indian Youth

AHANA DATTA, DR. VINOTH S

MBA Student, Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, Karnataka, India

Professor, Dept. of Finance, Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, Karnataka, India

DOI:10.15680/IJMRSET.2026.0904006

8.

AI-Driven Energy Forecasting with Generative Analytics and Anomaly Detection for Smart Grid Management

ILAKKIA A, VAISHAL MALU K, HARISH R, VISHNU PRASATH P G

Assistant Professor, Department of Artificial Intelligence & Data Science, Sri Manakula Vinayagar Engineering College, Puducherry, India

Students, Department of Artificial Intelligence & Data Science, Sri Manakula Vinayagar Engineering College, Puducherry, India

DOI:10.15680/IJMRSET.2026.0904008

9.

Cloud Forensics using Virtual Machine Snapshots: A Survey and Framework for Evidence Preservation

VISHWA P, CHANDRA ARUL NISHANTHINI, THANUSH K, PROF. S.INDIRA

UG Student, Dept. of Artificial Intelligence and Data Science, Sri Manakula Vinayagar Engineering College, Puducherry, India

Assistant Professor, Dept. of Artificial Intelligence and Data Science, Sri Manakula Vinayagar Engineering College, Puducherry, India

DOI:10.15680/IJMRSET.2026.0904009

11.

Investment Patterns in Mutual Funds: Comparing Gen Z and Millennial Investors

HIMANSHU KUMAR SHIVAM, DR. RAMAPRABHA D

MBA Student, CMS Business School, Jain Deemed-to-be University, Bengaluru, India

Associate Professor, Faculty of Management, CMS Business School, Jain Deemed-to-be University, Bengaluru, India

DOI:10.15680/IJMRSET.2026.0904011

12.

Online Course Recommendation System using Hybrid Filtering and Generative AI

PRAGASH K, GANESH I, THEENASH M, DAKSHNAMORTHY K

Associate Professor, Department of Artificial Intelligence and Data Science, Sri Manakula Vinayagar Engineering College, Puducherry, India

Students, Department of Artificial Intelligence and Data Science, Sri Manakula Vinayagar Engineering College, Puducherry, India

DOI:10.15680/IJMRSET.2026.0904012

14.

Impact of Digital Banking on Profitability: A Study on Modern Banking Performance

BHAWNA SAHANI, DR. SHAJI THOMAS

MBA Student, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, Karnataka, India

Professor, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, Karnataka, India

DOI:10.15680/IJMRSET.2026.0904014

15.

Design and Simulation of 5-Stage Pipelined RISC-V (RV32I) Processor

AMBATI. SRIHARSHITHA, ANABATHINA. RAMYA, KALLAGUNTA. HEMA SREE, KAMINENI. HEMA BINDU, SHAIK. RIYAZUDDIEN

UG Student, Department of ECE, Vasireddy Venkatadri International Technological University, Andhra Pradesh, India

Professor, Department of ECE, Vasireddy Venkatadri International Technological University, Andhra Pradesh, India

DOI:10.15680/IJMRSET.2026.0904015

16.

Smart Water Usage Analytics System with Leak Detection and Gen AI Assistant

PRABHAKARAN G, BHAVESH K, JASSEM A, J. ROSELINE LOURD

Student, Department of Artificial Intelligence and Data Science, Sri Manakula Vinayagar Engineering College, Puducherry, India

Assistant Professor, Department of Artificial Intelligence and Data Science, Sri Manakula Vinayagar Engineering College, Puducherry, India

DOI:10.15680/IJMRSET.2026.0904016

18.

Debt Structure Decisions in India: Does Debt Maturity Matter More Than Debt Level?

KEERTHI K, DR SHALINI. R

MBA Student, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, Karnataka, India

Professor, Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, Karnataka, India

DOI:10.15680/IJMRSET.2026.0904018

19.

KEERTHI K, DR SHALINI. R MBA Student, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, Karnataka, India Professor, Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, Karnataka, India DOI:10.15680/IJMRSET.2026.0904018

VIHASINI.A, DR. VINOTH S

MBA Student, CMS Business School, Jain (Deemed-To-Be-University), Bengaluru, Karnataka, India

Professor, Dept. of Finance, Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, Karnataka, India

DOI:10.15680/IJMRSET.2026.0904019

21.

Understanding Consumer Engagement and Purchase Behaviour toward AI-Generated Advertising among Generation Z Consumers

AKSHAYA M, DR. KALAVATHY K S

MBA student, CMS Business School, Jain Deemed-To-Be-University, Bengaluru, India

Associate Professor, CMS Business School, Jain Deemed-To-Be-University, Bengaluru, India

DOI:10.15680/IJMRSET.2026.0904021

22.

Online Polling and Result Prediction System with GenAI Insights and Demographic Bias Correction

SUBASHINI M, MOHAMED NAFEEZ S, PRADEEP R, MITHUN K

Assistant Professor, Department of Artificial Intelligence and Data Science, Sri Manakula Vinayagar Engineering College, Puducherry, India

Students, Department of Artificial Intelligence and Data Science, Sri Manakula Vinayagar Engineering College, Puducherry, India

DOI:10.15680/IJMRSET.2026.0904022

23.

A Study on AI-Based Detection of Revenue Leakage and Transactional Irregularities in Quick Commerce

NOORAH SACHORA, NAVEEN KUMAR V

Department of MBA Finance and Business Analytics, CMS Business School, Jain Deemed to be University, Bengaluru, India

Assistant Professor, Faculty of Management, CMS Business School, Jain Deemed to be University, Bengaluru, India

DOI:10.15680/IJMRSET.2026.0904023

24.

A Study on Mergers and Acquisitions in Indian Banking Sector

MOHAMMED ALI ADNAN, DR. SIREESHA NANDURI

MBA student, Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, India

Associate Professor, Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, India

DOI:10.15680/IJMRSET.2026.0904024

25.

Analysis of Interest Rate Impacts on the Profitability Metrics of Commercial Banks

POORVI G1, DR. GOPALAKRISHNAN CHINNASAMY

Department of MBA (Core Finance) Student, Faculty of Management Studies, CMS Business School, Jain (Deemed to be University) Bengaluru, Karnataka, India

Professor, Faculty of Management Studies, CMS Business School, Jain (Deemed to be University), Bengaluru, Karnataka, India

DOI:10.15680/IJMRSET.2026.0904025

29.

LGUCONNECT: A Web-Based Human Resource Management Information System for LGU Madrid

HANEMAE A. PAGLINAWAN, JOHN FRANCIS T. ESTRADA, ROJENNIE A. ORNIETA, CHRISELDA O. CUADRILLERO, SHARON A. BUCALON, MIT

Undergraduate Student, Department of Computer Studies, North Eastern Mindanao State University - Cantilan Campus, Cantilan, Surigao del Sur, Philippines

Instructor III, Department of Computer Studies, North Eastern Mindanao State University - Cantilan Campus, Cantilan, Surigao del Sur, Philippines

DOI:10.15680/IJMRSET.2026.0904029

30.

SALBAR: A Web-Based Health Management and Information System for Rural Health Units

ROEL V. SULLANO, JUDY T. AMBA1, SHEIKA JEAN T. GALEL, MARK BEN MENCEDE, LYNDON A. ROSAS, MSCS, SHARON A. BUCALON, MIT

Undergraduate Student, Department of Computer Studies, North Eastern Mindanao State University - Cantilan Campus, Cantilan, Surigao del Sur, Philippines

Instructor III, Department of Computer Studies, North Eastern Mindanao State University - Cantilan Campus, Cantilan, Surigao del Sur, Philippines

Instructor III, Department of Computer Studies, North Eastern Mindanao State University - Cantilan Campus, Cantilan, Surigao del Sur, Philippines

DOI:10.15680/IJMRSET.2026.0904030

32.

GlamBook: A Mobile Application System for Seamless Beauty Service

JILBERT A. SULAPAS, CLIFFORD JOHN OCON POLAN, CATHERINE SUMBILLA, CRIZA CLERIGO, JEHU ROEH C. RUBENIAL, DIT, SHARON A. BUCALON, MIT

Undergraduate Student, Department of Computer Studies, North Eastern Mindanao State University – Cantilan Campus, Cantilan, Surigao del Sur, Philippines

Assistant Professor II, Department of Computer Studies, North Eastern Mindanao State University – Cantilan Campus, Cantilan, Surigao del Sur, Philippines

Instructor III, Department of Computer Studies, North Eastern Mindanao State University – Cantilan Campus, Cantilan, Surigao del Sur, Philippines

DOI:10.15680/IJMRSET.2026.0904032

33.

Student Safety System: A Web-Based Complaint Reporting and Evidence Management Platform for Educational Institutions

PROF.APURVA DESHPANDE, NIKITA MAHADIK, ANUSHKA JOSHI, SHREYA GADKARI, SAKSHI ZORE

Professor, Department of Computer, Rasiklal. M. Dhariwal Institute of Technology, Chinchwad, Pune, Maharashtra, India

Student, Department of Computer, Rasiklal. M. Dhariwal Institute of Technology, Chinchwad, Pune, Maharashtra, India

DOI:10.15680/IJMRSET.2026.0904033

36.

Relationship between Market Sentiment and Retail Investor Actions

RAHUL ANAND, DR. BATANI RAGHAVENDRA RAO

CMS Business School, Faculty of Management Studies, JAIN (Deemed-to-be University), Bengaluru, India

Professor, CMS Business School, Faculty of Management Studies, JAIN (Deemed-to-be University), Bengaluru, India

DOI:10.15680/IJMRSET.2026.0904036

37.

Market Trend Analysis of Nifty 50 Stocks using Technical, Fundamental and Time Series Approaches

DIYA CHOPDA, DR. SIREESHA NANDURI

Dept. of MBA, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, Karnataka, India

Associate Professor, Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, Karnataka, India

DOI:10.15680/IJMRSET.2026.0904037

38.

ESG Disclosures and Cost of Equity and Debt: A Post-BRSR Empirical Study of Indian Firms

MUSKAN GUPTA, DR. TEJASWINI S

Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, Karnataka, India

Assistant Professor, Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, Karnataka, India

DOI:10.15680/IJMRSET.2026.0904038

39.

Real-Time AI-Powered Examination Portal using AWS Cloud and Generative AI

JAIDHAR S, REYASH, GURALARASAN G, MRS. M. JEEVITHA

Department of Artificial Intelligence and Data Science, Sri Manakula Vinayagar Engineering College, Puducherry, India

Assistant Professor, Department of Artificial Intelligence and Data Science, Sri Manakula Vinayagar Engineering College, Puducherry, India

DOI:10.15680/IJMRSET.2026.0904039

40.

Regime-Dependent Hedging and Safe Haven Properties of Gold: Evidence from the Indian Equity Market

DR. SRINIVASAN ARUN KUMAR, SHUBHAM PRADHAN

Assistant Professor, CMS Business School, Faculty of Management Studies, JAIN (Deemed-to-be-University), Bengaluru, India

Dept. of MBA Finance, CMS Business School, Faculty of Management Studies, JAIN (Deemed-to-be-University), Bengaluru, India

DOI:10.15680/IJMRSET.2026.0904040

41.

A Comparative Analysis of Stock Volatility Pre- and Post-Stock Splits in the Indian Stock Market

DR. ARUN KUMAR S, PULIPATI SESHANK

Professor, Department of Finance, Faculty of Management Studies, CMS Business School, Jain (Deemed to be University), Bengaluru, India

Student, Dept. of MBA Finance, Faculty of Management Studies, CMS Business School, Jain (Deemed to be University), Bengaluru, India

DOI:10.15680/IJMRSET.2026.0904041

43.

A Study on Evaluating the Influence of Mobile Banking Apps on Customer Loyalty in Indian Urban and Rural Settings

KITTY, DR. VINOTH S

Master of Business Administration, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, Karnataka, India

Professor, Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, Karnataka, India

DOI:10.15680/IJMRSET.2026.0904043

45.

Lack of Awareness About Tax Deductions and its Impact on the Financial Planning Among Salaried Individuals

K.N AISHWARYA, DR. VINOTH S

Master of Business Administration, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, Karnataka, India

Professor, Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be-University), Bengaluru, India

DOI:10.15680/IJMRSET.2026.0904045

48.

Behavioral Biases and Retail Investor Decision-Making: Empirical Evidence on Investment Performance in Emerging Markets

APRAMEYA V, DR. TEJASWINI S

MBA, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, Karnataka, India

Assistant Professor, Faculty of Management Studies, JAIN (Deemed-to-be University), Bengaluru, Karnataka, India

DOI:10.15680/IJMRSET.2026.0904048

49.

A Study on the Regime-Switching Analysis of Crude Oil and the Indian Stock Market

DR. SRINIVASAN ARUN KUMAR, SURAJ S

Assistant Professor, CMS Business School Jain Deemed-to-be University, Bengaluru, Karnataka, India

Dept. of MBA Finance, CMS Business School Jain Deemed-to-be University, Bengaluru, Karnataka, India

DOI:10.15680/IJMRSET.2026.0904049

52.

Policy Rates and Structural Reforms in Shaping the Episodic Behaviour of Foreign Direct Investment in India

GAURAV MISHRA, DR. MANSI KUKREJA

Student, Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, India

Professor, Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, India

DOI:10.15680/IJMRSET.2026.0904052

53.

A Study on Impact of Capital Structure on Firm Value in Indian Manufacturing Sector

AJAY KUMARAN V K, DR. CHAYA BAGRECHA

MBA Student, CMS Business School, Faculty of Management Studies, JAIN (Deemed-to-be-University), Bengaluru, India

Professor and Area Chair, CMS Business School, Faculty of Management Studies, JAIN (Deemed-to-be-University), Bengaluru, India

DOI:10.15680/IJMRSET.2026.0904053

54.

Credit Risk on the Profitability of Selected Housing Finance Companies in India

LAKSHMI SALIKUMAR, DR. ANOOP JAGETIA

Student, Dept. of MBA Finance, Faculty of Management Studies, CMS Business School, Jain (Deemed to be University), Bangalore, India

Assistant Professor, Dept. of Finance, Faculty of Management Studies, CMS Business School, Jain (Deemed to be University), Bangalore, India

DOI:10.15680/IJMRSET.2026.0904054

55.

Gold as a Hedge against Inflation in India: Empirical Evidence from Time-Series Analysis (2020–2025)

REDDY APEKSHA ASHOK, DEEPIKA K M

CMS Business School, JAIN (Deemed-to-be University), Bengaluru, Karnataka, India

Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, Karnataka, India

DOI:10.15680/IJMRSET.2026.0904055

56.

Customer Perception towards Digital Banking Services in India

CH NITIN JOSEPH, DR. HANISH KUKREJA

Dept. of MBA, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, India

Assistant Professor, Dept. of Finance, Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, India

DOI:10.15680/IJMRSET.2026.0904056

57.

Financial Independence of Women and its Impact on Long-Term Wealth Creation

MARAM NAGA RANVITHA LAXMI, DR ANOOP JAGETIA

Student, Dept. of MBA Finance, Faculty of Management Studies, CMS Business School, Jain (Deemed-to-be University), Bengaluru, India

Assistant Professor, Department of Finance, Faculty of Management Studies, CMS Business School, Jain (Deemed-to-be University), Bengaluru, India

DOI:10.15680/IJMRSET.2026.0904057

58.

Impact of Technological Investment on Financial Performance of Listed IT Services Companies in India: A Panel Data Analysis (2015–2024)

NITHIN KUMAR ADDEPALLI, DR. SELVI S

MBA Student, Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be-University), Bengaluru, India

Professor, Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be-University), Bengaluru, India

DOI:10.15680/IJMRSET.2026.0904058

59.

A Study on Investor Perception towards ESG and Green Investments in Bengaluru

BHAVYA BEGANI, DR. MANSI KUKREJA

Student, Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be-University), Bengaluru, India

Professor, Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be-University), Bengaluru, India

DOI:10.15680/IJMRSET.2026.0904059

60.

A Mixed Methods Investigation of Service Quality, Customer Satisfaction and Behavioural Intentions in Event Management Services

V A MONICA, DR. GOVINDARAJ M

Department of MBA, Faculty of Management Studies, JAIN (Deemed-to-be University), Bengaluru, India

Associate Professor, Faculty of Management Studies, JAIN (Deemed-to-be University), Bengaluru, India

DOI:10.15680/IJMRSET.2026.0904060

61.

Impact of Sustainability Understanding on Luxury Purchase Intention among Generation Z and Baby Boomers

SARA AYMAN, SUPARNA GHOSAL

MBA Student, CMS Business School, Faculty of Management Studies, JAIN (Deemed-to-be-University), Bengaluru, India

Professor, CMS Business School, Faculty of Management Studies, JAIN (Deemed-to-be-University), Bengaluru, India

DOI:10.15680/IJMRSET.2026.0904061

63.

Evaluating the Forecasting Accuracy of Econometric and AI-Based Models for NIFTY 50 Index: A Comparative Study

NEVIL D COSTA, DR. BATANI RAGHAVENDRA RAO

MBA Student, Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, India

Professor, Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, India

DOI:10.15680/IJMRSET.2026.0904063

64.

A Study on the Relationship between Gold Prices and Stock Market Returns in India

DR. UMA C SWADIMATH, SEJAL AGARWAL

Professor, Faculty of Management Studies, JAIN (Deemed-to-be-University), CMS Business School, Bengaluru, Karnataka, India

MBA Candidate, JAIN (Deemed-to-be-University), CMS Business School, Bengaluru, Karnataka, India

DOI:10.15680/IJMRSET.2026.0904064

65.

Constructing an Optimal Multi-Asset Portfolio Allocation Strategy across Inflation Regimes

BHAVANA J, DR. SIREESHA NANDURI

Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, India

Faculty of Management Studies, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, India

DOI:10.15680/IJMRSET.2026.0904065

66.

Number of Credit Card Issue and Its Impact on the Performance of the Axis Bank

NEVEDITHA R N, DR. SHAKEELA BANU

Student, Faculty of Management Studies, CMS Business School, Jain (Deemed-To-Be) University, Bengaluru, India

Associate Professor, Faculty of Management Studies, CMS Business School, Jain (Deemed-To-Be) University, Bengaluru, India

DOI:10.15680/IJMRSET.2026.0904066

68.

Behavioral Determinants of Investor Decisions Toward Gold and Silver Investment in India: A Structural Equation Modeling Approach

CHIRAG NANDALAL SURANA, DR. MANSI KUKREJA

Dept. of MBA Finance, CMS Business School, JAIN (Deemed-to-be University), Bengaluru, India

Assistant Professor, Dept. of Finance, Faculty of Management Studies, CMS Business School, JAIN(Deemed-to-be University), Bengaluru, India

DOI:10.15680/IJMRSET.2026.0904068

69.

A Study on Reimagining Retail Investing: Systematic Investment Plans as a Paradigm Shift in Personal Finance

DR. UMA SWADIMATH, ANKITA CHATTERJEE

Professor, Faculty of Management Studies, CMS Business School, JAIN(Deemed-to-be University), Banglore, Karnataka, India

MBA Student, Faculty of Management Studies, CMS Business School, JAIN(Deemed-to-be University), Banglore, Karnataka, India

DOI:10.15680/IJMRSET.2026.0904069

70.

The Role of Brand Trust in Online Purchasing Behaviour: Empirical Evidence from Indian E-Commerce Consumers

KAKULAPATI NAVEEN, DR. M. H. SHARIEFF

Dept. of MBA Marketing, Centre for Management Studies, JAIN (Deemed-to-be University), Bengaluru, Karnataka, India

Associate Professor, Dept. of Marketing, Centre for Management Studies, JAIN (Deemed-to-be University), Bengaluru, Karnataka, India

DOI:10.15680/IJMRSET.2026.0904070