An alumnus of the 1974 batch of University Business School - Chandigarh, he is a former chairman of State Bank of India.

[2] Prior to that he was the Deputy Managing Director (DMD) of the International Division of SBI.

He joined the State Bank of India as a probationary officer in 1974.

[3] He has held several important positions in SBI including Chief General Manager of Chennai Circle.

He is also credited with the merger of State Bank of Saurashtra in 2008, where he was a director.