The bank allowed him to develop his creative abilities, particularly during his stints in the bank's in-house training system where he worked in four different stints adding up to over a decade. He was selected as a Probationary Officer in State Bank of India and pursued a career in banking for four decades before retiring as a Deputy General Manager. Varma topped in school and won the National Science Talent Search Scholarship and then went on to get his Masters at the Honours School in Physics at Punjab University Chandigarh, a top ranked University in India. His mother was a college topper from Kinnaird College,Lahore, a top girls college in North India. His father was a college professor (later Principal) in Government College, Ludhiana, one of the most prestigious colleges in Punjab. Pankaj Varma was born in 1953 and attended school in the city of Ludhiana in Punjab.
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