Graduate, Indian Institute of Technology, Delhi and Indian Institute of Management, Ahmedabad. 1983, founded Pradan, an NGO engaged in promoting livelihoods for the rural poor; 1996, founded the Basix Group. Chair of the Board: Consultative Group to Assist the Poor, a global microfinance body; Microfinance Institutions Network of India; Development Support Centre. Member of several committees, Government of India. Co-Author, The Forgotten Sector, a book on the rural non-farm sector in India. Over 100 articles on rural development and microfinance. Interests: travel, reading, poetry, music and mentoring SEs.