Area of Interest

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 ) PhD( 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,VOL12. 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 Micro finance 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 June2013

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 June2013.

Training Attended

• 8th and 9th Feb2010,Sree Narayana Gurukulam college of Engineering ,Ernakulum.”Data analysis Using SPSS.
• Add-oncourse on Research Methodology,MACFAST ,Tiruvalla , from20th-24th March 2017.
• April 21-23,2016. Christ University Nodal office,Thiruvananthapuram,Survey Methods, TechniquesAnd Instruments.

Professional Membership / Certification

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