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This paper aims to identify, examine, and present an empirical research design of behavioral finance of potential investors during Covid-19.

A well-structured questionnaire was designed; a survey was conducted among potential investors using convenience sampling, and 200 valid responses were collected. The research work uses multiple regression and discriminant function analysis to evaluate the influence of cognitive factors on the financial decision-making of investors.

Recency and familiarity bias are proven to have the highest significant impact on the financial decisions of investors followed by confirmation bias. Overconfidence bias had a negligible effect on the decision-making process of the respondents and found insignificant.

Covid-19 is a temporary phase that may lead to changes in financial behavior and investors’ decisions in the near future.

The paper will help academicians, scholars, analysts, practitioners, policymakers and firms dealing with capital markets to execute their job responsibilities with respect to the cognitive bias in terms of taking financial decisions.

The present investigation attempts to fill the gap in the literature on the intended topic because it is evident from literature on the chosen subject that no study has been undertaken to evaluate the impact of cognitive biases on financial behavior of investors during Covid-19.

Health is an important issue in our life. A person with good health will have peace of mind and will be able to contribute to nation-building. We cannot expect performance from an ill person with a low morale. In the present paper, the authors tried to understand the ground realities of health-care facilities provided in India and more specifically in Odisha, India.

This empirical paper used a non-experimental design to test a proposed model based on a review of relevant literature. In this paper, an initial pilot study was conducted by taking 44 various variables; however, after the study and taking the expert opinion, the variables were restricted to only 30. For the purpose of study, only state-sponsored hospitals were considered on a random sampling method.

The analysis of data is conducted on a simple percentage method with closed-end options. It is found that even after 67 years of independence, people do not have access to basic medical care facilities in the rural areas and to some extent in semi-urban areas also. The major stumbling block is inadequate infrastructure in these hospitals.

While this study offers some insight into the status of healthcare infrastructure in rural India, the sample was limited to respondents in state-sponsored hospitals, which may not represent the views about private hospitals.

It seems that in some interior areas of Odisha, people rely more on their fate than then these health-care services.

Various governments claim that they are spending millions of rupees on health-care service, but the benefits are not being felt by the masses. We are sure that our attempt to highlight the scenario of health-care services in the state of Odisha will be an eye opener and will compel the various stake holders to introspect their involvement in the health-care services provided in these areas.

A considerable amount of research has been done evaluating the status of healthcare in India, but this is the first empirical research study to date based on respondents from the rural parts of the state of Odisha in India. Some of these areas are not reachable to researchers due to the poor infrastructure. This contribution is also of special importance amid the recent criticism of the healthcare infrastructure in India by prominent management scholars.