• 2019 – 2024: Ph.D. in Economics, Department of Economics, Aligarh Muslim University (AMU), Aligarh, India
  Thesis title: Performance of Cooperative Banks in Jammu and Kashmir.
• 2017 – 2019: M.A. in Economics, Aligarh Muslim University, Aligarh, Uttar Pradesh, India.
• 2013 – 2016: B.A. in Economics and Statistics, University of Kashmir, Kashmir, India.

• Qualified University Grants Commission (UGC) NET – June 2018.
• Selected for the award of MANF Junior Research Fellowship (JRF) by UGC in 2019.
• Selected for the award of MANF Senior Research Fellowship (SRF) by UGC in 2021.

• Efficiency and Productivity Analysis
• Banking Performance Analysis
• Stability Analysis
• Convergence Analysis

Journal Articles

• Zaman, A. U., & Khan, N. A. (2025). Evaluating Technical and Scale Efficiencies of Cooperative Banks in Jammu and Kashmir. The Indian Economic Journal, 73(2), 295-310.
  https://doi.org/10.1177/00194662241238590
• Zaman, A. U., Rasool, G., & Khan, N. A. (2025). Unveiling Productivity Dynamics Among Regional Rural Banks in India. International Journal of Rural Management, 21(1), 45-65.
  https://doi.org/10.1177/09730052241291299
• Zaman, A. U., & Zaman, M. S. (2024). Analysing the Total Factor Productivity Change Among Urban Cooperative Banks in India: The Malmquist Productivity Approach. Studies in Microeconomics.
  https://doi.org/10.1177/23210222241227013
• Zaman, A.U., Khan, N.A. (2023). Decomposition of productivity growth among the cooperative banks in Jammu and Kashmir (India). Humanities and Social Sciences Communications, 10, 72.
  https://doi.org/10.1057/s41599-023-01561-w
• Zaman, A. U., Zaman, M. S., & Khan, N. A. (2022). Analysing the technical efficiency of Rural Cooperative Banks in India. Asian Economics Letters, 3(4).
  https://doi.org/10.46557/001c.37048

Working Papers

• Zaman, A. U and A. R. Lone, “Understanding club convergence in agricultural productivity: A case study of Indian states,” (Under Communication).
• Zaman, A. U and V. Vipin, “Evaluating sustainable total factor productivity and convergence: Integrating the human development index with undesirable outputs” (Under Communication).
• Zaman, A. U and V. Vipin, “Unveiling the decomposition and convergence in green total factor productivity among the Middle Eastern, South Asian, and East Asian economies,” (Under Communication).
• G. Bhagya, V. Vipin, and Zaman, A. U, “Revisiting the ranking of top medical institutions in India: A two-stage slack-based measure approach,” (Under Communication).
• Mirdulla, V. Vipin, and Zaman, A. U, “Evaluating amalgamation’s impact on regional rural banks: A pre- and post-performance analysis using data envelopment analysis,” (Under Communication).
• Zaman, A. U, “Banking competition-stability nexus: Evidence from cooperative banks,” (Under Communication).

Workshops/Conferences Attended

• Presented the paper titled “Measuring the Performance and Cooperative Banks in Jammu and Kashmir” in the 13th Doctoral Thesis Conference organized by IBS Hyderabad.
• Presented the paper titled “Measuring the Performance and Cooperative Banks in Jammu and Kashmir” at the Institute of Rural Management Anand (IRMA), Gujarat.
• Presented the paper titled “Analysing the Total Factor Productivity Change Among Urban Cooperative Banks in India: The Malmquist Productivity Approach” at the Second Doctoral Colloquium organised by the Institute of Rural Management Anand (IRMA), Gujarat.
• Presented the paper titled “Banking Competition-Stability Nexus: Evidence from Cooperative Banks in Jammu and Kashmir” at the 4th Rajagiri Conference on Economics and Finance jointly organised by Rajagiri Business School, Kochi and University of Economics and Human Sciences, Poland.
• Attended a workshop on Productivity and Efficiency Analysis sponsored by ICSSR and organised by the Department of Economics, Jamia Millia Islamia, New Delhi.
• Attended a 10-day workshop on “Ten Days Research Methodology Programme on Applied Econometric Techniques and Sampling Methods” sponsored by ICSSR and organised by the Department of Economics, Babasaheb Bhimrao Ambedkar University.
• Attended a 10-day workshop on “Ten Days Research Methodology Programme” sponsored by ICSSR and organised by the Department of Economics, Nagaland University.
• Attended a 12-week course on “Introduction to Econometrics” by IIT Madras and organised by the National Programme on Technology Enhanced Learning (NPTEL).
• Attended a 12-week course on “Economics” by IIT Kanpur and organised by the National Programme on Technology Enhanced Learning (NPTEL).

• Micro Finance
• Cooperative Banking
• Performance Analysis