Dr. Ajit Kumar, Ph.D. in Management, MBA in Finance, and UGC-NET qualified A distinguished academician and finance educator with over 25 years of teaching experience across various universities in India. His career spans multiple regions, enriching him with a deep understanding of diverse educational environments and learner needs. A committed mentor and lifelong learner, Dr. Kumar has guided countless students through their academic and professional journeys in finance and management. His lectures and academic contributions reflect a strong passion for nurturing analytical thinking and financial literacy. This book is a culmination of his decades-long engagement with the subject of finance, both in theory and practice. It reflects his belief that financial literacy is not just for professionals — it is an essential life skill. With a clear and engaging style, Dr. Kumar presents Financial Management and Analysis in a manner that is both accessible and insightful for students, educators, and curious readers alike. Beyond the classroom, Dr. Kumar is known for his contributions to curriculum development, academic leadership, and his continuous efforts to bridge the gap between academic knowledge and real-world application. This book stands as a testament to his dedication to empowering learners with the tools to understand, apply, and appreciate the world of finance. Dr. Rajesh Dogra, Ph.D. in Commerce from Himachal Pradesh University, Shimla A seasoned academician and researcher with over 32 years of teaching experience in commerce and management. He has served in various esteemed institutions, including Lovely Professional University, SBBS University, and multiple government colleges in Punjab, holding positions from Assistant Professor to Professor and Principal. Dr. Dogra's extensive career reflects a deep commitment to education, research, and academic leadership. He is an approved Ph.D. guide at Amity University and Lovely Professional University and has been an external examiner for Ph.D. and M.Phil. theses at reputed universities. He has significantly contributed to research with numerous papers published in Scopus-indexed journals, a recent Q1 publication, and has presented 39 research papers at national and international conferences. Additionally, he has authored 10 book chapters and served multiple times as a resource person and session chair in academic forums. This book embodies Dr. Dogra’s dedication to advancing knowledge in commerce and management, aiming to provide readers with insightful and practical understanding that bridges theory and real-world application. His passion for education and research is evident in the clarity and depth with which he presents complex concepts, making the subject accessible and engaging for students, educators, and professionals alike. Dr. Lokesh Agarwal, Ph.D. in Accounting from the University of Rajasthan (2019) A dedicated and organized academician specializing in Finance and Accountancy with 10 years of university-level teaching experience. His doctoral research, titled "Carbon Credit Accounting Practices in Indian Companies," focuses on sustainable financial practices and environmental protection within corporate India. Currently serving as an Assistant Professor in the Department of Accounting and Business Law - I at Lovely Professional University, Punjab, Dr. Agarwal is deeply committed to advancing academic excellence and student development. His teaching philosophy emphasizes imparting knowledge, fostering values, encouraging curiosity, and nurturing creativity to make a meaningful impact on his students. This book reflects Dr. Agarwal’s passion for integrating sustainability with financial education and his commitment to promoting responsible business practices. Through clear and engaging writing, he aims to inspire students, educators, and professionals to appreciate the importance of environmental considerations in accounting and finance. Beyond teaching, Dr. Agarwal actively contributes to research and mentorship, continually striving to bridge academic insights with practical applications for sustainable development. This work stands as a testament to his dedication to fostering knowledge and creativity in the evolving field of finance and accountancy.