MA, Meerut University, India. Since 1972, with State Bank of India: 1972-74, Probationary Officer; 1974-77, Survey Team Leader; 1977-80, Trainee Officer; 1980-84, Planning Officer; 1984-88, Planning Officer; 1988-94, Project Coordinator; 1994-96, Regional Manager, Jaipur; 1996-97, Special Assistant to Chairman and Chief Executive Officer; since 1997, current position.