EDUCATIONAL BACKGROUND

        INSTITUTION                         DATE                              DEGREE GRANTED

• Association of Investment         1993-96                             C.F.A.
• Management & Research

• University of Oklahoma            1985-92                             Ph.D. (Finance)

• Dahanukar Institute of              1975-76                             Diploma in                                 Management                                                                      Business Administration

• Banaras Hindu University         1962-67                             B.Sc.(Engg.)

• Presidency College                  1961-62                              Math Major