M.com from the University of Mumbai (1978);
Worked with State Bank of India for over 27 years in various capacities covering diverse areas such as Agricultural Banking, Small Scale Industries Finance, International Banking business, Banking Technology etc.
Worked with C-Edge Technologies Ltd, a joint venture of SBI & Tata Consultancy Services Ltd for providing banking technology to small banks and co-operative banks.

Bachelor of Arts (Hons.), St. Stephens College, Delhi University (1976), Bachelor of Law (1988), MBA (2001).
He holds Diploma from Indian Institute of Bankers and ACI, London.
He has over 20 years of experience in the field of Financial Markets/Banking.
Worked with Riyad Bank, Saudi Arabia, Oman International Bank, Oman; State Bank of India, Bahrain

Post Graduate in Mathematics and has Post Graduate Diploma in Numerical Analysis and Automated Computing from IIT, Delhi and Ph.D. from IIT Kanpur, 1982
Currently working with Tata Consultancy Services (TCS), Hyderabad as VP, Financial Technology Centre
He was the Director for RBI established Institute for Development and Research in Banking Technology and a Professor at National Institute of Bank Management and Institute of Rural Management

Masters in Agriculture Economics from Tamil Nadu Agriculture University and MBA from Indian Institute of Management, Bangalore
Presently working as Managing Director & CEO of BASIX Consulting and Training Services Ltd.
Worked with various organizations; public and private sector; development sector and international organizations in the areas of rural development, rural finance, and microfinance and livelihood promotion