M.Com; Ph.D (Management Studies);
Post Doc. Commonwealth Fellow, (UK);
IVLP (USA); Fulbright Fellow, (USA);
ITP-LBS (UK)
Gold medals & Scholarships
· University of Jammu Dr S. Radhakrishnan Best Graduate Award, 1985 (Gold Medal*)
· University of Jammu J&K Bank Best Commerce Graduate Award, 1985. (Gold Medal*)
· University of Jammu Gold Medal* for ranking Ist Class Ist in B. Com. Merit list, 1985.
· J&K Board of School Education Gold Medal for ranking Ist Class Ist in Hr. Sec. Part II Commerce merit list, 1983.
· J&K Board of School Education Gold Medal in Hr. Sec. Part I for ranking Ist in the Commerce merit list, 1982.
· National Merit Scholarship for P.G. Studies 1985-87