Development Economics - Institutional Finance and Labour Economics.

• Ph.D. in Economics from Osmania University : Patter and Utilisation of Farm Finance (A Micro Study with focus on Institutional Finance).

• M. A. Economics, Osmania University.

Books & Monographs

• Institutional Finance for Rural Development, Rawat Publications, Jaipur, India, 1999.

• Has the SHG-Bank Linkage Helped the Poor Gain Access to Capital?: A Comparative Study between Karnataka and Gujarat, Social and Economic Change Monographs, ISEC Bangalore.

• Impact of the Revival Package for Short-Term co-operative credit Structure, in Andhra Pradesh, Madhya Pradesh and Bihar.

Articles

• (Co-author) The Microfinance Promise in Financial Inclusion: Evidence from India, The Microfinance Review Vol-III (1), Jan-Jun 2011.

• (Coauthor) The role of SHGs as Micro financial Intermediatiaries: A study in Sabarkantha district of Gujrat, Journal of rural Development vol 29(4) 2010.

• Rural Drinking Water and Sanitation: A Review,  New Man and Society, Bi-annalu Journal Vol 1(2) July-December 2010, Thodupza, Kerala

• (Co-author) Promotion of Sanitation in Karnataka: A Review of Strategies for Latrines, Participation and Governance, Vol 3(1) January 2010.

• Community Participation in Rural Drinking Water Supply and Sanitation: A Case Study of Karnataka, Journal of Development and Social Change, Vol VI(3&4), June-August, 2009.

• (Co-author) Institutional Innovations and Access to Micro-Health Insurance for Poor: Evidence from Karnataka, India. The ICFAI University Journal of Risk & Insurance, 6 (1): 50-68, January 2009.

• What should be the Role of Local Governments: Delivery of Services or Governance of Service Delivery? In Bidyut Mohanty (edit) Women and Political Empowerment, Institute of Social Science, New Delhi 2008.

• Community Participation in Rural Drinking Water Supply and Sanitation: A Case Study of Karnataka, Journal of Indian Water Works Association, Vol.XXXIV, Jan-Mar 2002.

• Stock Market Development and Economic Growth in India, Social Science Research Journal, Punjab University, Chandigarh, Vol 8(3), 2000 (Co-author).

• Status of Scheduled Caste Women Labourers, in Anita Banerji and Raj Kumar Sen (eds) (2000) Women and Economic Development, Deep and Deep Publication private Ltd New Delhi.

• Institutional Farm Finance during Reforms, in Choudhury and Singh (eds) (2000)" Rurap Prosperity and Agricuture Policies and Strategies, National Institute of Rural Development Hyderabad, 2000 India.

• Reforms in Rural Drinking Water Supply:Problems and Prospective, Economic and Political Weekly, December 29, 1999.

• Dimenstion of Overdues in Karnataka, Savings and Development, Quarterly Review (3) 1997.

• Rural Credit in VIP District: A Study in Uttar Pradesh, Economic and Political Weekly, Vol 31 (39) September, 1996.

• Impact of the Revival Package for Short-Term co-operative credit Structure, in Andhra Pradesh, Madhya Pradesh and Bihar.

• Quality and Sustainability of SHGs : In Karnataka State

• Economic up gradation of Vulnerable groups through GSY programme (with Mypsed), Sponsored by Government of Karnataka. June 2008.

• Survarna Grama Yojan (Action plan for two villages), Sponsored by Government of Karnataka, June 2007.

• On editorial Board "International Journal of Microfinance", Pondichrry university,  Pondicherry.