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Winter in Jokkmokk, northern Sweden

About Dr. Ram

Dr. Ram started his career with a post graduate degree in Mathematics, but during his 40+ years of enriching professional journey, he has equipped himself with various degree/ diploma/ certificates in diverse fields like law (B.G.L.), banking (C.A.I.I.B.), IT Audit (CISA), Project Management (PMP), Global Leadership (CGBL), Green & Black belt in Six Sigma, etc.

And to top it all, at the age of 59+, he was awarded with Ph.D. - Doctorate degree by University of Madras for his thesis titled "Information Technology and Samskrit". His intellectual thirst for learning is barely quenched by these.

The knowledge cycle starts with acquiring but is complete only when it is transmitted to others. Hence having acquired knowledge and gaining vast experience and expertise in varied fields it will not be complete without sharing it. And what better way to share than teaching. Thus his passion for spreading the knowledge is also getting satisfied. To mention a few he conducts training programmes and plays the role of visiting professor for a couple of business schools.

Banking Expertise

  • Core Banking
  • Retail Banking
  • Corporate Banking
  • Payment Systems
  • Trade Finance
  • Treasury Management both Forex and domestic
  • Banking Risk Management & Regulatory Compliance
  • Anti-Money Laundering
  • Basel Compliance
  • Asset Liability Management
  • Islamic Banking
  • International Financial Reporting Standard (IFRS) migration from other GAAPs
  • Conducting SOX audit
  • Card Operations (Credit/ Debit/ ATM)

IT Expertise

  • Audit of software projects
  • IT Audit BFS products
  • IS Audit of the ODCs/ centers for security compliance
  • Project/ Program Management
  • ODC Management - deliveries related to multi million US$ per year
  • Quality compliance
  • Six Sigma - process improvement
  • Training relating to IT, PMO, ISMS, Six-Sigma


Here is a typical example that learning is a continous process and there is no end to it - irrespective of the age, profession, etc. Ram's qualifications include:

  • 2013 - Ph.D. - University of Madraas - Information Technology and Samskrit
  • 2007 - Certified Global Business Leader from Harvard Business School of Publishing.
  • 2006 - Certified Black Belt in Six-sigma process improvement
  • 2005 - PMP - Certified Project Management Professional from Project Management Institute
  • 2003 - CRA - Certified Recruitment Analyst from Carlton University
  • 1999 - CISA Certified Information System Auditor - ISACA
  • 1991 - B. G. L. Bachelor of General Law - Madurai Kamaraj University
  • 1990 - Post Graduate Diploma in System Analysis and Data Processing- Annamalai University
  • 1988 - Post Graduate Certificate in Computer Programming-Annamalai University
  • 1985 - CAIIB - Certified Associate of Indian Institute of Bankers
  • 1977 - ICWA
  • 1976 - M.Sc. (Mathematics) - Madras University

Professional Experience

  • CEO - Jaagruti Consulting Services - An IT Consulting, IT Audit & Training firm - February 2009 to Present. (
  • Assistant Vice President - BFS at Satyam Computer Services Ltd - October 2000 to February 2009
    • IT Audit of Software Projects
    • Program Management
    • ODC Management and ISMS
  • Senior Manager, - Indian Bank - A public sector commercial bank - September 1981 to October 2000
    • Project Management, IT Vendor Management
    • Bank Software customization and Acceptance testing
    • Bank Treasury, Retail and Corporate Banking, Trade Finance and Payment Systems
  • Retail Banking - Indian Overseas Bank - A public sector commercial bank - March 1979 to September 1981
  • Administrative work in Government of Pondicherry - State government - February 1977 to February 1979

Religious Pursuits

While one side of Ram uses latest gadgets and moves around with PDAs and laptops, his other side always is dedicated to gaining spiritual knowledge. Vedas, sastras and Samskrit language in particular impresses him. May be this is the reason for indulging in such an area for his doctoral research.

He also actively participates in the activities of Rudra Parayana Samithi and co-ordinates Maha Rudrams and Athi Rudrams. It is certainly this interest which has made him successfully write various books, but it is his humility that he attributes his success to everyone else.

He uses various methods to spread the knowledge acquired - teaching, training, penning books, using this site download section may be referred)

Books Authored

Ram has authored many a book - the excerpts may be read from the "Downloads" section.

Already Published:

  • Lalitā Sahasranāmam – the complete translation of Bhāskarāya’s Bhāshyam into English - to 750 pages
  • Dasha Mahā Vidyā - about ten different forms of Shree Devi
  • Power of Śrì Vidyā - secrets of Shree Vidya demystified
  • Sree Lalita Trishatee - Tamil Translation of Sri Adi Shankara's Bhaashyam
  • Sree Lalita Trishatee - English Translation of Sri Adi Shankara's Bhaashyam
  • Sree Chakra, An Esoteric Approach - Mathematical Construction to draw Sree Chakra
  • Paribhaasha Stora-s - An exploration of Lalitā Sahasranāma - Mathematical Methods to split 182.5 verses into 1000 names
  • SamataaAn Exposition of Similarities in Lalitā Sahasranāma with Soundaryalaharee, Saptashatee, Viśṇu Sahasranāma and Shreemad Bhagavad Geeta
  • Orthogonal Array - a statistical tool to be used in Software Testing

Ready for Publishing:

  • Secrets of Mahāshakti – Chandi Yagna - various nuances about Chandi
  • Dictionary of Financial Terms – demystifying accounts, banking and finance jargons
  • Retail Banking
  • Corporate Banking
  • Number Systems in Samskrit
  • Vedic Mathematics
  • Advaita in Shaaktaa
Books in pipeline:

  • Corporate Finance
  • Banking GRC - Governance, Risk Management and Compliance in Banking
  • Pranic Breathing
  • Sree Devi Mahaatmeeyam
  • And much more