Mr. H.M. Nagaraju, holds a Master degree in commerce from University of Mysore Karnataka state. He has been with SANGHAMITHRA since 2001. Presently he is working as Zonal Manager in Sanghamithra Rural Financial Services. Mr.Nagaraju has been playing a key role in liaising with Rating agencies, Nationalized Banks and various other agencies in the matters of survey exercises, Branch Inspections and functions related to HO.