Hi, I’m Garud RD—a Public Finance Expert, UPSC Mentor, and Fiscal Policy Specialist with over a decade of experience in governance, treasury systems, and institutional reforms. Currently, I serve as Deputy Director (Budget) at the Ministry of Finance, Government of India. I have a strong academic foundation, holding three Master’s degrees—in Economics, Public Administration, and Public Policy (MPP/IP from The University of Tokyo). Additionally, I am an IMF-JISPA Scholar, with expertise in macroeconomic policy, debt sustainability, and fiscal transparency. Beyond my work in public finance, I am passionate about mentoring aspirants for UPSC Civil Services & CAPF Exams. Having cleared UPSC CSE (2015) & CAPF (2013), I provide strategic guidance on answer writing, interview preparation, and governance topics.