Inchara P.M. Gowda is, at present, pursuing her Doctoral studies in the Institute of Management Studies, Kuvempu University, Jnana Sahyadri, Shankaraghatta (Karnataka State) on the management of Non-performing Assets. She had her primary education in Davangere and higher education in shivamogga. She obtained MBA with first class from Visvesvaraya Technological University, Belgaum and also Post-Graduate Diploma in Financial Management with first class. Finance is her specialization stream. She has co-authored few books and published few research papers.