Deepak Sharma Ch, is currently working as a Credit Manager with HDFC Bank.He has done his M.B.A (Finance)from the Institute of Public Enterprise, Hyderabad, India. Dr. Pawan Kumar Avadhanam is Asst. Professor (Finance),Institute of Public Enterprise Hyderabad,India. Prof.R.K. Mishra is the Director, Institute of Public Enterprise, Hyderabad, India.