He has completed B.Com., CAIIB, VINIT (Hindi Examination), and has successfully passed the Certified Trainer of Financial Cooperatives (CTFC).

He is a versatile professional with a rich and varied background. He carved an illustrious 32-year career path with the State Bank of India, ascending from the clerical cadre to the esteemed position of Chief Manager. Post-retirement, he continued his impactful journey as a concurrent auditor in two prominent PSU Banks, Allahabad Bank and Oriental Bank of Commerce, earning accolades for his exemplary audit performance, including the prestigious "Certificate of Excellence" from SBI in May 2011. Additionally, since 1991, he has been a prominent contributor to major newspapers, offering insightful columns that enrich public discourse.

His expertise spans critical domains such as credit monitoring, appraisal, supervision, audit, and advance follow-up. Currently, his engagements include a regular column titled "JIVAN UPAWAN" in the weekly publication "Gandhinagar Samachar," further showcasing his commitment to disseminating knowledge and perspectives in the banking and finance sphere. His diverse professional journey, which includes roles in organizations like GEB and teaching positions in high schools, underscores his depth of experience and invaluable contributions to the banking and financial landscape.