Mr. N. K. Chhowala

Mr. Chhowala completed his graduation in B.Sc (Physics, Chemistry and Maths) from Bombay University and started his career with Reserve Bank of India in 1975. He joined Bank of India in 1979 and have work in various capacity in different states like Maharashtra, Madhya Pradesh, Uttar Pradesh and Gujarat.

During his tenure at Bank of India, he has cleared Banking Diploma of CAIIB (Certified Associate of Indian Institute of Bankers). He has handled many banking activities like General Banking, Deposits, Advances, Remittances, Import –Export, Treasury Management, Human Resources Management, Implementation of various Govt. Schemes, Establishment of Gramin Banks etc.

His main worked involved Credit and Foreign Exchange of proposals of larger amount (₹ 100 crores and above) at Bank of India’s Large Corporate Branch (LCBS).

Apart from his banking and teaching duties, he likes to read and listen to Indian music.

Mr. A. V. Mohanan

Mr. Mohanan did his Post-Graduation in Commerce from Mumbai University and Post-Graduation Diploma in Management from ICFAI. He is a Certified Associate of Indian Institute of Bankers.

During his 37 years tenure at Punjab National Bank, he has handled many banking activities like Commercial Banking, Retail Banking, Foreign Exchange, Planning and Development, Branch Management, Marketing, Liasoning, Management Consultant for Retail Loans etc. He has been guest faculty with Bankers Training College.

Mr. Sanil Paniker

Mr. Paniker completed his graduation in B. Com. from Mumbai University. He got his Bachelor of Law (LL. B.) in the year of 2001 from Mumbai University. He also holds a Diploma in Personnel Management (D.P.M).

He has worked as Principal Associate with a reputed Law Firm and as an Advocate on Retainership basis with various esteemed organizations including Builders and Developers and handled projects involving Slum Rehabilitation (SRA), Custody of Enemy Properties etc.

He got hands on experience in the field of litigation, appearing in Civil, Criminal, Labour matters (ULP- Unfair Labour Practice) and Property related matters filed in various Courts in Mumbai, Thane, Belapur and Panvel Courts. Cheques bounce matters filed in various Metropolitan Magistrate Courts. Title Search and Due Diligence of Properties mortgaged with the respective Banks/Branches viz.: Punjab National Bank, State Bank of India, Central Bank of India etc. and framing opinions on acquisition of various properties. Drafting Legal Notices, Replies, Plaints, Written Statements, Writ Petitions etc. and Agreements namely: Joint Venture, Development Agreement, Trust Deed etc.


Mr. Steven D. Crasto

Mr. Crasto completed his M.A and M. Ed. From Mumbai University. He also holds a Post-Graduation Diploma in Mass Communication and Journalism.

During his 20 years of teaching career, he has worked at various schools and colleges as a language teacher.