Dr. Binees Joseph, the founder and Managing Director of Niravath Jubily Chits India Private Limited. He is well known for his self discipline, perseverance and down to earth personality. He always keeps his heart close to his customers, employees and society, which has helped him to chase and accomplish his dream. He has excelled in academics by securing ranks both in MA-Economics from Calicut University in 1993 and in DSM, a management course from Deepika Institute of Journalism and Media Management in 1995.He is currently holding the positions of State Secretary of All Kerala Private Bankers Association, State Secretary of All Kerala Association of Chit Funds, and Its Kannur District President.