Graduate in Commerce 1961. Served Central Government Owned Public Financial

Institutions in the Power Sector for 30 years. Completed short Vigilance Course organized by

the Institute of Secretariat Training & Management and in Parliamentary Procedures and Practices organized by the Bureau of Parliamentary Studies & Training and Ten days on the job training in World Bank (1990), Washington and as a Team Member of the World Bank and ADB Teams for Project Appraisal and Special Studies sponsored by the serving organization. Also was a member of the Loan Negotiation Team of the Government of India for ADB

Loan for power projects. Participated in the professional seminars, workshops, conferences, symposiums while in service, organized by professional institutions and bodies on company law matters, contract, and commercial, project management, accounting, and auditing, and strategic planning and management.

Served as Consultant/Senior Advisor in multinational consultancy organizations for over 17

years post-retirement. Has had intense inter-face interaction with central and state Ministries

/Departments and national, multinational, and bilateral financial institutions. Built over the

years, professionalism through continuous enrichment of knowledge and practical

application with equal vigor. Specialist in Project Finance (Power), Commercial and

Contract Management, Electricity Regulatory Affairs, Due Diligence - Equity Investment and

Entity Appraisal, Lender's Engineer, Domestic and International Projects Contracts Drafting,

Drafting Non-Disclosure Agreement, MOUs, and Consortium/Joint Venture Agreements.

Experience of 30 years under able senior Indian Administrative Services (IAS), 20 years as a

Consultant in Multinational Consultancy Organizations with keenness in political and

economic development, the twin strong pillars of democracy that augur stability, prosperity

and wellbeing of the people that includes the "COMMON PEOPLE" gave the author as a

COMMON MAN opportunity to keep himself abreast with the changing times during his

advancing age to understand how far we have been able to achieve the aspirations of the

people who freed the country from foreign reign, as enshrined in the Constitution they

endured to make and adopt for the benefit of the next generation and for the generations to

come. Thirty years' experience was in Development Finance Institutions (DFI) where he

earned in-depth knowledge on Techno-Economic parameters for financing economic

development-oriented projects. The above background gave him the ability to reality check-in economic development and enabled him to write books mentioned at the end of the book.

Critical statements he has made in this and earlier books are aimed at the governance,

politicians, people, law enforcing authorities for removing stumbling blocks in the present

systems and rise above the political and personal considerations and place the best

interests of the country topmost.

Humanism in the profession and personal life has been his hallmark. Authored "Time We

Change for a Better India"(Jan 2017), "A Wake up Call for Every Indian"(Oct 2019) and

"Jammu & Kashmir - The Truth of The Matter" (Nov. 2019)and "The Living God on Earth"

(Jan 2020) books, of which, latter three were published through Blue Rose Publishers. Best

Professional Employee and Special Contribution Awards were given while working with

STEAG Energy Services (India) Private Limited (A Multi-National Consultancy Organization).