Managerial Economics. International Economics, Bank management Research Methodology, MFS, GBE, Environmental Management, International Finance, Entrepreneurship, and Project Management.

Educational Qualification

BA. Economics: N S S College, Panthalam(1987-1990) MA. Economics: St. Thomas College, Kozhenchery(1991-1993) M.Phil (Economics): M K University, Madurai(2005-2006) MBA (Finance): M K University, Madurai (2009-2011 ) Ph.D. ( Economics) ( M K University, Madurai) 2016.

Work Experience

30 Years, 5 Months.

Awards & Patents

• LSS Scholar, 1979

• USS Scholar, 1982

• Third Prize, Mimicry, AKBJS 1982.

• First Prize, High Jump Event, District School Meet, 1982.

• Regional Essay Writing Champion, HMMM, 1983,84,85.

• First Prize, Mimicry, District Youth Festival, and A grade in Kerala state school Youth Festival 1985.

• Second Prize, Monoact, District Youth Festival,1985.

• A Grade, Mimicry, State Youth Festival,1985.

• Various Accomplishments in Sports and Arts at School and College Level.

• Best Gurukulam teacher award-Labour India public school& junior college-2005.

• Megastar award-Labour India public school& junior college-2006.

Publication/Paper Presentations

Published articles In books

• GREEN BANKING: AN INITIATIVE OF BANKS TO SUSTAINABLE DEVELOPMENT. National seminar-Saingist Institute Of Management-Kottayam-Nov. 2011

• IMPACT OF BLP ON MILLINIUM DEVELOPMENT GOALS OF INDIA “International seminar-VIMS Erode- FEBY-2011-”

• Transition to Green Economy: The Need of the Tick, Management Thoughts for a   Prolific Future,  2019, MACFAST   PUBLICATIONS, Tiruvalla-

• IMPACT OF LBP ON MILLENNIUM DEVELOPMENT GOALS OF INDIA- RESEARCH MANAGEMENT A CONTEMPORARY APPROACH. Page 198 ,ISBN 98-81-9104-720-2,Laser park, Coimbatore.

• GREEN BANKING: AN INITIATIVE OF BANKS TO SUSTAINABLE DEVELOPMENT, RECENT TRENDS IN BANKING AND FINANCE, ISBN: 978-93-82062-05-9, EXCEL INDIA.

In International Journals

• CUSTOMER PERCEPTION ON SERVICE QUALITY OF RETAIL BANKING IN PATHANAMTHITTA DISTRICT OF KERALA- AN EMPIRICAL STUDY,ISSN:2249-264X,VOLUME2.

• PERCEPTION OF THE UNEMPLOYED YOUTHS TOWARDS THE UNEMPLOYED YOUTH EMPLOYMENT GENERATION PROGRAMME (UYEGP), IN THENI DISTRICT OF TAMILNADU. GLOBAL J. OF ARTS & MGMT., 2013: 3 (3) ISSN 2249-2658 (ONLINE): 2249-264X (PRINT).

• TECHNOLOGICAL CHALLENGES IN INDIAN BANKING OPERATIONS. JOURNAL OF SCIENCE, TECHNOLOGY& MANAGEMENT,vol.08. ISSN.0974-8334.

• CONSOLIDATION OF INDIAN BANKS: AN OPPORTUNITY FOR INORGANIC GROWTH. JOURNAL OF SCIENCE, TECHNOLOGY& MANAGEMENT,vol.09. ISSN.0974-8334.

• CONVENTIONAL BANKING TO CONVENIENCE BANKING AND MASS BANKING TO CLASS BANKING A PARADIGM SHIFT IN INDIAN BANKING. JOURNAL OF SCIENCE, TECHNOLOGY& MANAGEMENT,vol.10. ISSN.0974-8334.

• Present environment for Entrepreneurship developments in India, Journal of Science, Technology& Management, vol11. ISSN.0974-8334

• Digital Economy: The Great India Journey towards a Developed Nation Journal of Science, Technology& Management, vol12. ISSN.0974-8334

• THE ECONOMIC IMPACTS OF HERITAGE CONSERVATION JOURNAL OF SCIENCE, TECHNOLOGY& MANAGEMENT, VOL 12. ISSN.0974-8334

Paper Presented

• Mineral Wealth’s of Kerala, Inter-Collegiate Competitions, KSSP, DB College, Parumala (1997)

• Socio-Economic conditions of rubber tappers in the small holdings of Kerala.- Phil thesis(2006)

• Visual Medias and Righteousness – Leadership training Camp, NSS, G University, Kottayam (1997)

• Efforts of NABAD on Microfinance and financial inclusion in rural India” International seminar At SDC Alapuzha,2010

• ENVIRONMENTAL RESPONSIBILITY OF INDIAN BANKS” International seminar at SJCET –PALA- JANY-2011-

• IMPACT OF BLP ON MILLINIUM DEVELOPMENT GOALS OF INDIA “International seminar-VIMS Erode- FEBY-2011-”

• ARE INDIAN BANKS GRADUALLY MOVING FROM A CLUSTER OF ‘LARGE NUMBER OF SMALL BANKS’ TO ‘SMALL NUMBER OF LARGE BANKS” International seminar – Kristu Jayanti college-Bangalore.

• GREEN BANKING: AN INITIATIVE OF BANKS TO SUSTAINABLE DEVELOPMENT. National seminar-Saingist Institute Of Management-Kottayam-Nov.2011

• SUSTAINABLE BANKING: AN INDIAN PERSPECTIVE. National seminar- Marthoma Institute Of Management- Ayoor-Sept 2012

• Consolidation of Indian banks: An opportunity for Inorganic growth.- BMIM, Kochi, 26th April 2013

• Technological Challenges of Indian Banking Operations: International seminar, MACFAST, Tiruvalla, 15th June 2013

National Seminar and Conferences

• EFFORTS OF NABAD ON MICRO FINANCE AND FINANCIAL INCLUSION IN RURAL INDIA International Seminar At SD College, Alapuzha2010.

• GREEN BANKING: AN INITIATIVE OF BANKS TO SUSTAINABLE DEVELOPMENT. National seminar-Saingist Institute Of Management-Kottayam-Nov 2011.

• SUSTAINABLE BANKING : AN INDIAN PERSPECTIVE. National seminar- Marthoma Institute Of Management- Ayoor-Sept 2012.

International Seminar and Conferences

• ENVIRONMENTAL RESPONSIBILITY OF INDIAN BANKS” International seminar at SJCET âPALA- JANY-2011.

• IMPACT OF BLP ON MILLINIUM DEVELOPMENT GOALS OF INDIA International seminar-VIMS Erode- FEBY-2011.

• ARE INDIAN BANKS GRADUALLY MOVING FROM A CLUSTER OF LARGE NUMBER OF SMALL BANKS TO SMALL NUMBER OF LARGE BANKS International seminar – Kristu Jayanti college-Bangalore.

• CONSOLIDATION OF INDIAN BANKS: AN OPPORTUNITY FOR INORGANIC GROWTH.- BMIM, Kochi, 26TH April 2013

• TECHNOLOGICAL CHALLENGES OF INDIAN BANKING OPERATIONS: International seminar, MACFAST, Tiruvalla.15Th June 2013.

Training Attended

• 8th and 9th Feb2010,Sree Narayana Gurukulam college of Engineering ,Ernakulum. Data Analysis Using SPSS.

• Add-on course on Research Methodology, MACFAST , Tiruvalla, from20th-24th March 2017.

• April 21-23,2016. Christ University Nodal office, Thiruvananthapuram,Survey Methods, Techniques And Instruments.

Professional Membership / Certification

• FELLOW OF IAAP, No.267211/28-10-2013