M. Com in Banking and Finance from Madras University, 1980.

B. Ed. English and Commerce, from Madurai-kamaraj University, 1983.

M.Ed. in Educational Technology from Annamalai University, 1989.

M. Phil., in Banking Services from Bharathidasan University,1990.

Ph.D. in Portfolio Management from Bharathidasan University, 2001.

B.D. from Serampur College through UBS, Pune in 1991.

CFA level 1 from ICFAI, Hyderabad, 1995.