Utpal spent 20+ years of his professional life to understand the economy, society and livelihoods of Rural India. During his professional stint, he travelled extensively through the length and breadth of the country. He has worked for 18 years in different positions and geographies in the Rural and Inclusive Banking team at ICICI Bank, heading the entire rural business (1,800 branches, 13,000+ team members) in his last position at the bank. Utpal completed his Post Graduate Diploma in Rural Management from Institute of Rural Management Anand.