• Ph.D. in Economics (Pursuing)  – University of Jammu
  Specialization: Health Economics
• M. Phil in Economics –University of Jammu (2021)
• Specilization: Economics of Education 
• M.A. in Economics – University of Jammu (2018)
  Specialization: Development Economics
• B.Com.(Hons.) –  University of Jammu (2016)

1. Sehgal, S., Yasir, M., & Kour, S. (2024). E-Rupee: Unlocking India’s Digital Economy, Challenges, and Opportunities. South Asian Journal of Social Studies and Economics, 21(8), 1-13.
2. Sehgal, S., & Kour, S. (2024). Are India’s Primary Health Centres Delivering Quality Care? An Efficiency Evaluation. Asian Journal of Research in Nursing and Health, 7(1), 87-97.
3. Sehgal, S., & Kour, S. (2024). Inclusion and Disparity: Analysis of Enrolment Patterns of Children with Special Needs and Marginalised Communities of Jammu and Kashmir. International Journal of Scientific Development and Research, 9(5), 872–889. https://doi.org/10.5281/zenodo.11482109
4. Sehgal, S., & Kour, S. (2024). Infrastructural Disparities in Elementary Schools of Jammu. International Journal of Research and Analytical Reviews, E-ISSN 2348-1269

Lesson Plan theory Jan-May 2025 final development economics

Lesson Plan theory Jan-May 2025 final public finance