• PhD (Commerce/ Finance) Accounting / Finance MGKVP University, Varanasi, India 1995.
• M. A. (Economics) Economics MGKVP University, Varanasi, India 1992.
• M. Phil. (Account/ Finance) Account/ Finance MGKVP University, Varanasi, India. 1989.
• M.Com (Account/ Finance) Account/ Finance MGKVP University, Varanasi, India. 1987.
• Degree Bachelor of Commerce (B.Com.) Subject Commerceو University/Country (B.H.U.), Varanasi, India Year 1985.

• Senior Lecturer - Ministry of Manpower, ACT, Musanna S. Oman Jan 2003- Dec. 2014.
• Lecturer - The Modern College of Business and Science Jan. 2002 to July 2002.
• Accounts manager with The Global Omani Investment Holding Company, SAOC October 1998 to 1st Sept.2000.
• Senior Lecturer-College of Banking and Financial Studies August 1997 to July 1998.
• Lecturer- L.B.S.Post Graduate College. Mughal Sarai, INDIA Year 1992 to 1994.

• Honorary Position of Treasurer of Indian Community, School, Muladdha, SULTANATE OF OMAN.
• Volunteer for 2nd Beach Asian Games held at Muscat, SULTANATE OF OMAN, I have been given an additional responsibility of a Team Leader.

• Applied for Membership of Scientific Organizations- Indian Accounting Association , India.
• Applied for Membership of Scientific Organizations- Indian Commerce Association , India.
• Applied for Membership of Scientific Organizations- Indian Economic Association , India.

• Challenges, Reforms and Developments in the Indian Insurance Sector, The International Journal of Social Sciences and Humanities Invention 6(12): 5739-5745, 2019 DOI: 10.18535/ijsshi/v6i12.01 ISSN: 2349-2031 © THEIJSSHI Research Year 2019.
• Housing Finance and Market in India, ISSN: 2319-7471, Vol. 5 Issue 12, Impact, Factor: 1.544 Page | 13, International Journal of Enhanced Research in Management & Computer Applications Research December-2016, A Detailed Study on Make in India Project, ISSN: 2319-7471, Vol. 6 Issue 3, Impact Factor: 1.544 Page | 13, International Journal of Enhanced Research in Management & Computer Applications Research March-2017 Implications and Gradual Changes of Employment Opportunities in Various Sectors in Indian Economy, ISSN: 2319-7471, Vol. 6 Issue 5, , Impact Factor: 1.544 Page | 1, International Journal of Enhanced Research in Management & Computer Applications Research May-2017.
• Corporate Social Responsibility in Public Sector Undertaking-“A Review of Indian Oil” ISSN2277-3622 Vol 3 (3), International Journal of Marking Financial Services & Management Research Research March 2014.
• Level of Customer Satisfaction With Their Perception On The Quality Of Insurance Services, Galaxy International Interdisciplinary Research Journal, ISSN 2347-6915, GIIRJ-VOL2-(3) Research March 2014 Corporate Social Responsibility in Public Sector Undertaking-“A Review of Indian Oil” ISSN2277-3622 Vol 3 (3), International Journal of Marking Financial Services & Management Research Research March 2014.
• Perception of Life Insurance Policies In Rural India, page no 17-23 Arabian Journal of Business & Management Review, Kuwait Chapter of Arabian Journal of Business and Management Review Vol. 2, No.6; http://arabianjbmr.com/pdfs/KD_VOL_2_3.pdf Research Feb. 2013.
• Rural Marketing Strategies for Selling Products & Services: Issues &Challenges, P.N. 55-60 Journal of Business Management & Social Sciences Research (JBM&SSR) ISSN No: 2319-5614- Volume 2, No.1, Research January 2013.
• Receptive Developments the Life Insurance Industry in India “Trends and Challenges” P.N. 51-54 Journal of Business Management & Social Sciences Research (JBM&SSR) ISSN No: 2319-5614- Volume 2, No.1, Research January 2013.
• Quality of Work Life in it Sector & its Impact on Employee Productivity, Researchers World Journal of Arts, Science & Commerce Volume IV Issue 1 (2) Research January 2013, ISSN 2231.

• Ph D (Accounts / Finance): The Financial Sources of Government of India. (An Analytical Study from 1981-82 to 1992-93).
• M. Phil. (Accounts/ Finance): Budget at a Glance. (With Special Reference to Indian Financial System, Government of India).
• Training Needs Analysis for Bankers 1998. Submitted a research report for major banks in the Sultanate of Oman.

• Shell Intilaaqah One-day workshop –4 workshops conducted for Business Studies & 1 workshop conducted for Engg. & IT students SULTANATE OF OMAN.
• Lecture on Entrepreneurship for Women SULTANATE OF OMAN.
• Lecture on Entrepreneurship for Omani Youth SULTANATE OF OMAN.
• Job fair SULTANATE OF OMAN.
• BUSINESS QUIZ SULTANATE OF OMAN.