A Bachelor in Commerce (1961), Certificate course in Vigilance Procedure at the Institute of Secretariat Training and Management, Government of India. Certificate course in Parliamentary Procedures at the Bureau of Parliamentary Studies and Training. Training in the World Bank, Washington sponsored by the organization. Thirty years of service in public financial institutions. Member of the World Bank/ADB Teams for specific study/projects, Member of the Loan Negotiation Team for ADB loan at Manila. Served Rural Electrification Corporation Limited {RECL} and Power Finance Corporation Ltd {PFCL} for thirty years in various capacities. Post-retirement served as Sr. Advisor in Multinational Consultancy Firms for 18 years. So far, published twelve books through M/s Blue Rose Publishers Pvt. Ltd. New Delhi/NOIDA.