Mr. Ram Dayal Modi has over four decades of rich experience in Banking and Financial services of SBI Group. He retired in June 2011 as General Manager. He has expertise/ acumen in areas of Credit, FOREX, Project Appraisal & funding, Business Planning, Branch Expansion, Training system, Operations & Branch Banking, Technical & Management Consultancy. Mr. Modi is gold medalist in MA (Political Science), University of Udaipur, Rajasthan and holds Certified Associate of Indian Institute of Bankers (Part I).