1. “Gender Disparity in Digitalization of Financial Services: Challenges and Promises for Financial Inclusion of Women in India” (Accepted for Publication in Gender, Technology and Development, Taylor and Francis)
2. "Financial Efficiency versus Social Outreach of Indian Micro-Finance Institutions: Mission Drift or Character Shift?"(2018) Journal of Social and Economic Development 19 (2), 323-340, Springer. https://link.springer.com/article/10.1007/s40847-018-0049-3.
3. “Impact of Fiscal Transfers on Gross Domestic Product of Indian Federal States: A Panel Data Analysis”, (2018), Paper in edited book, Challenges and Issues in Fiscal Federalism: Econometric and Quantitative Approach, Springer. https://link.springer.com/chapter/10.1007/978-981-10-6217-9_5
4. “Is Social Media the New Prophet in the Capital Market? A Case of Twitter”, (2017), Asian Journal of Research in Business Economics and Management Vol. 7, No.3, 80-93.
5. “Do Factors Determining Bank NPAs Differ According to the Bank Ownership Type? : Evidence from Indian Commercial Banks”, (2017), Asian Journal of Research in Social Sciences and Humanities Vol. 7, No. 4, pp. 366-379.
6. “Health Inputs, Health Outcomes and Public Health Expenditure: An Evidence from the BRICS countries”, (2016), International Journal of Applied Economics, 31(1), March 2016, 72-84.
7. “Data Gaps in Selected Segments of Financial and Related Sectors in India, (2016), Arthavijnana, Vol. 58, No 3,207-218.
8. “Effect of R & D Expenditure by Indian Firms on Share Market Valuation of the Firm”, (2016), International Journal of Economic Research, Vol.13 No.7.
9. “Empirical Study of the Relationship between Value Added and Stock Price of Firms in Indian Stock Market”, (2016), The ICFAI University Press Journal of Accounting Research & Audit Practices, Vol. 15, No. 2, pp. 23-37.
10. “Effects of Outbound Acquisitions on Performance of Indian Acquirers: A Lost Odyssey?”, (2016), International Journal of Applied Business and Economic Research, Vol. 14, No. 14 p.p. 197-221.
11. "Universalization of Life Insurance: A Feasibility Study?", (2019), The IUP Journal of Management Research, Vol XVIII No 2.
12. Relation between Bank Ownership and Bank Performance: Evidence from India, Indian Journal of Finance (Forthcoming)
13. Birds of Different Feather: Effects of Non-Interest Income and Revenue Diversification on Bank Groups in India (Forthcoming)
14. Effect of Financial Inclusion on the Relationship Between Income Inequality and Economic Growth (Forthcoming)
1. Unleashing Potential of the Indian Fintech Start-Ups for Financial Inclusion: A Qualitative Analysis (2021, Forthcoming)
2. The Unbanked and The Excluded: Study of Financial Inclusion of Slums Dwellers in Pune Metropolitan Area (2020, Forthcoming)
3. Dynamics of Remittances in India: Evidence from Rural Maharashtra Kulkarni L. & Chintamani B. (2020, Forthcoming)
4. Future of Banking in India, Joshi, V.& Kulkarni L. (2021, Forthcoming) Book in production process Springer Mac Millan Publishers
1. Financial Efficiency versus Social Outreach of Indian Micro-Finance Institutions, Kulkarni, Lalitagauri (2017), Working Paper No. 38, Gokhale Institute of Politics and Economics, Pune, December.
2. Large Scale Corporations in India’s Non-Financial Sector: Protagonists or Predators?, Kulkarni, Lalitagauri and Akshay Dhume (2016), Working Paper No. 36, Gokhale Institute of Politics and Economics, Pune, September.
3. Examining the Financial Feasibility of Universal Health Insurance in India, Kulkarni, Lalitagauri and Jain, Manu (2016), Working Paper No. 37, Gokhale Institute of Politics and Economics, Pune, October.
1. Inclusive Banking in India: Reimagining the Bank Business Model, Kulkarni L. and Joshi V. (Forthcoming June 2021) by Springer Mac Millan Publishers, ISBN 978-981-336-796-8.
2. Business Economics , (Macro), Suvichar Prakashan, 2000
3. Indian & Global Economic Environment, Suvichar Prakashan, 2001
1. "Relation between Bank Ownership and Bank Performance: Evidence from the Indian Banking Sector". Presented at second Annual Economics Conference The Indian Econometric Society (TIES) & NMIMS School of Economics on 12th February, 2018.
2. “Liberalization of India’s Life Insurance Sector: Unfulfilled Promises”, Chapter in Book on ‘25 Years of Globalization in India’ Ed. Kawadia G. & Ahuja,K. (2017)
3. First Banking Research Conference organized by IBS,ICFAI, Paper presented on : “Fee Based Income of Indian Banks: Effect on Profitability and Risk: A Comparative Study across Bank Groups in Indian Banking Sector”(2016)
4. National Seminar organized by University of Hyderabad on Challenges & Issues in Fiscal Federalism: Econometric & Quantitative Approach, Paper presented (2016)s
5. Award for the Most Outstanding Paper on ‘Secondary Market in Life Insurance’, at Global conference by National Insurance Academy, NIA, Pune.
6. Global Conference of Actuaries, Actuarial Society of India, March 2006
7. Asia-Pacific Risk & Insurance Association International Conference, Tokyo, July 2006
8. “Wealth Planning for Health Planning”, at 2nd National Conference on Women’ Health: Challenges & Solutions, Nov.2015, Organized by Sharda Shakti, Pune.