Objectives of the study are: (1) To sudy the differences in the study habits and achievement between students of Government – aided and un-aided colleges studying in three streams, namely. B.A., B.Sc., and B.Com. courses.(2) To know the significant differences in study habits and achievement of students in B.A., B.Sc., B.Com. courses. (3) To find out significant differences between B.A., B.Sc., B.Com., SSH. and Socio Economic Status and their achievements. (4) To study the significant difference between Rural and Urban students – SSH and achievements. (5) To find out the Gender differences in SSH and achievements of B.A., B.Sc., B.Com., students. (6) To assess the influence of Teaching Effectiveness (TES) on student study habit and achievement (7) To study the significant differences between teacher effectiveness (TES) and experience of M.A., M.Sc., M.Com. Faculties. (8) To know the significant differences between TES, SSH and achievements and B.A., B.Sc., B.Com., students. (9) To assess the effect of Sports, Library, Laboratory and other facilities on their achievements among B.A., B.Sc., B.Com., students

The sample of the study comprised as a whole Kuvempu University Colleges (1997-98) -100, Response Colleges - 64, including Arts, Science, Commerce Colleges of four districts, namely, Shimoga, Chickamagalur, Chitradurga and Davanagere. Data were collected from 1511 Final Year B.A., B.Sc. and B.Com. Students and 676 Teachers / Lecturers.

Tools used included General (factual) Infrastructure Questionnaires, Teacher Effectiveness (TES) Scale, Students Study Habits (SSH) Inventory, Kakkar Socio-economics Status Scale (KSESS) and Students Results-as achievement scores.

Statistical techniques, like, Mean, S.D., Quartile Deviation, ‘t’-test, ANOVA, Duncan’s New Multiple Range Test, and Pearson’s Co-efficient of Correlation were employed to analyze the data.

Findings of the study are: (1) There was a significant difference between the government aided and un-aided colleges students in respect of achievements. (2) Middle achievement B.A. students significantly differentiated from low achievement students in respect of SSH while no such difference was found in the case of B.Sc. and B.Com. Students. (3) Socio-economic status had significant effect on the performance of the achievements of B.A. and B.Com. Students. (4) Among them, the rural B.Com. students were significantly different from their counterparts but for the others the null hypothesis stands accepted. (5) So far as the gender was concerned, it had no such effect on the students achievement and study habits. (6) Facilities, like, sports and library matter for the students of B.Com. but the others remain unaffected by any such facilities concerned.