My PNB Service tenure includes intensive Foreign exchange training at IBB Mumbai, IBB Delhi, CSC Delhi, then Intensive Fex Dealer Training at FEO Mumbai, FEO Delhi, worked as Forex dealer at PNB SPMO Ludhiana, IBB Ludhiana, Forex Manager, Branch Head etc etc long career in PNB International Banking before I took VRS 15years before my actual Retirement date to become Health & Wellness coach,Entrepreneur. Today not only me a very successful Entrepreneur but has helped hundreds of people (who want to live healthy & wealthy life) to become very successful Entrepreneurs. About my family, My son is Doctorate in Computer Science Engineering plus MBA from Thapar Patiala & is working as Asstt professor in GNDEC LUDHIANA, a leading Engg college in North India. My elder daughter is IIS (IAS allied services).My son in law Nitesh Jain (CA,CS) is IAS. My younger daughter Ria Jain is International Make up Artist running her own world class Make up studio in Ludhiana. I have 2 Grand sons & one grand daughter