Mr. Karnik is a BE and has done his Masters in Management Studies from Jamnalal Bajaj Institute of Management Studies.Mr. Vakaria is CA and pursuing CFA Level II. Prior to joining DSP Blackrock Mutual Fund he was associated with Axis Asset Management. He has also worked with HSBC and CRISIL Ltd. and has over 10 years of investment experience. Currently doing Credit Analysis of Issuers of fixed income instruments and preparing Research Reports and Presentation with regards to Investment Recommendation.