I am a Commerce Graduate with over 38 years of experience in a leading Bank of India, where I gained extensive expertise in Banking Operations, Credit, Financial Inclusion, and Regulatory Compliance. During my banking career, I also qualified the CAIIB (Certified Associate of the Indian Institute of Bankers) from the Indian Institute of Banking & Finance (IIBF), reflecting my commitment to continuous professional development.

After retirement, I continue to pursue my passion for finance as a freelancer, sharing practical financial insights and helping individuals make better money decisions. I have successfully qualified the NISM – Financial Planning (Basic and Advanced) Examination as well as the NISM e-Learning Course on Equity Research and Analysis, further strengthening my understanding of personal finance, investments, and wealth management.

I am equally passionate about Microsoft Excel and enjoy creating simple yet powerful financial and analytical tools for individuals and small businesses.

Through Money Matters by NK Tehri, my mission is to make financial concepts easy to understand and practically useful — empowering readers with trusted, experience-based financial guidance for achieving financial independence.