Former Indian Army Officer (Dogra Regiment and Ladakh Scouts), I worked with Reserve Bank of India for close to twenty five years. Native of India (Punjab), I was born and brought up at Shimla. My Army tenure(1978-87) took me to Nagaland, Trivandrum, Rajasthan, Ladakh, Punjab, Uri(J&K) and Palampur (HP). I was awarded Chief of Army Staff's Commendation. RBI (1990 to 2014) placed me at Mumbai, New Delhi, Calcutta and Nagpur. They also sent me to visit some institutions at Paris, Frankfurt, London and Basel (Switzerland) for an update in my present field. Called Balli by near and dear, I enjoy the company of small, like minded group of friends. I have two blogs. 'Frankly Speaking' is a collection of my thoughts, my ideas as also of true accounts of my life, whereas, in कल्पना की उड़ान I have attempted a bit of fiction and poetry (mostly in Hindi).