President & ChairmanDr. Santosh Chokhani, Arlington, VA
Vice President CommunicationsMs. Padmashri Lad, San Mateo, CA
Vice President FinanceDr. A. J. Poulose, Belmont, CA
DirectorMs. Padma Tatta Cariappa, Boca Raton, FL
DirectorSh. P. K. Malhotra, Davenport, FL
DirectorSh. Om Prakash Garg, Cleveland, OH
DirectorSh. Rajeev Paliwal, Bellevue, WA

Newsletter and Website
Current Newsletter and Website EditorDr. Bhavender Paul Sharma, San Mateo, CA


Dr Santosh Chokhani
President & Chairman
Santosh continues his service to INSAF into the second term as President. Santosh likes to volunteer his time to help the society and people do better. Santosh was born in Laxmangarh (50 miles from Jaipur), Rajasthan and came to the U.S. in 1970 after obtaining his Bachelor's in Electrical Engineering from the University of Bombay. During 1970-1975, he was at Rutgers University, New Brunswick N.J., where he earned a Ph.D. in Electrical Eng. and Computer Science. Since 1975 Santosh has worked in Information Technology and Information Security fields, including founding two information security companies. Currently, Santosh also volunteers to tutor low-income high school students. Santosh has a daughter, Natasha.

Ms. Padmashri Lad
V. P. Communications
Until very recently, Ms. Padmashri Lad had been the HR/Operations Manager with the Christensen Fund, a Private Foundation, located in San Francisco, CA, promoting biocultural diversity around the world. She enjoys conducting research and interpreting data to support financial decisionmaking. Padmashri earned her B.Sc. from Fergusson College in Pune, India. She also earned an MBA from the Institute of Management Development & Research in Pune. Padmashri and her husband Dr. Raj Lad are long-time Members and volunteers of INSAF.

Dr. A. J. Poulose
V.P. Finance
A. J. Poulose was born in Kerala. He obtained BSc/MSc in Physics from Kerala University and moved to the US in 1974 for graduate studies. In 1978 he received his Ph.D. in Biochemistry from Washington State University. After doing post doctoral/assistant scientist jobs at Washington State, in 1984 he joined Genencor, a biotech start up, as a Scientist. AJ is currently retired after 32 years of work taking on different roles in the same company which had gone through multiple mergers and acquisitions to become a part of the Dow-DuPont Company. AJ and his wife Thankamma live in Belmont CA. They have three kids and two grandkids, all of them living in the Bay area. AJ currently keeps busy with grandkids and enjoying retirement. He and Thankamma are Life Members and have been active in several INSAF projects for over a decade.

Mr. P. K. Malhotra
P.K. Malhotra is one of the founders of INSAF and has been the President of INSAF for several years. He lives in Davenport, Florida with his wife Suresh. They have two children and three grandchildren. He is retired now and volunteers in charity organizations and is active in local cultural clubs. PK's hobbies include walking, travelling, playing golf and Bocce ball, playing cards and working on house projects. He is a sponsor and Project Leader of “Seva Bharti Abohar”, one of INSAF’s on-going projects. Prior to his retirement, P.K. worked for several decades in the fields of microencapsulation, specialized paper coatings, adhesives, and food & flavor industries. P.K. holds a master’s degree in Chemical Engineering from University of Dayton, Dayton, Ohio.

Ms Padma Tatta Cariappa
Padma Tatta Cariappa retired in 2011 as Associate General Counsel of Macy’s, Inc., formerly Federated Department Stores, Inc., following a 23- year tenure with the Company. Prior to joining Macy’s, Padma was an associate lawyer with leading law firms in Chicago and Cincinnati. Padma graduated from The University of Bombay Law College in 1977, and came to the US immediately thereafter to study at The Harvard Law School. After gaining an LLM degree from Harvard in International Law, she worked in Chicago at a leading law firm. Marriage in 1980 took Padma to Cincinnati where, after brief stints at local law firms, she joined Macy’s. As an SEC and Transactions lawyer, her portfolio at Macy’s included all SEC, mergers and acquisitions, divestitures, technology and credit filings and transactions. In the sunset years of her career at Macy’s, she was also principally responsible for the Compliance and Ethics Program of Macy’s. Padma retired early from Macy’s in order to join her husband in directing their energies towards social causes. She served on the Board of The Ronald McDonald House in Cincinnati for a few years. Padma and her husband maintain a home in Mysore and are strong supporters of the Mysore Chapter of Pratham, India. Padma is married to Arun Cariappa (M. A. Cariappa), an Engineer, who co- founded and owned a software company. They have two daughters, Priya and Shanthi. Priya and her husband, both graduates of Columbia Law School, work for the US AID mission of the US State Department. Shanthi, a graduate of the Ohio State University College of Dentistry, practices in Rhode Island. Her husband, also a lawyer, works for Oracle.

Mr. Om Prakash Garg
Sh. Om Prakash Garg has been an INSAF member for over 45 years and has been a supporter of several INSAF projects. He has a Masters in Geology (1966) from Panjab Univ. Chandigarh, and a Masters in Mining (1970) from U. of Saskatchewan, Canada. He had a 17-year career with Hena Mining, where after 7 promotions, he was Director of Mine Planning at the company’s headquarters in Cleveland, OH when he took early retirement in 1987 to become an entrepreneur. In 1993, Om was one of 3 promoters who started Cupid Ltd., in Nashik, Maharashtra, where he has been Chairman and Director since 1998. Om has actively managed the company since 2007, frequently traveling back and forth between Nashik and Cleveland, along with his wife and business partner Veena Garg, also an INSAF member. Under Om’s guidance, Cupid became the first company in India, and only the second in the world, to achieve Pre-Qualification by WHO/UNFPA for female condoms for Worldwide Distribution. Over the last 20 years, Om has traveled to over 35 countries on 6 continents. Om has been very interested in social and community activities, both at the Corporate Social Responsibility level and at the personal level as exemplified by the “Narnaul Project”. Om and Veena have 3 children (two married daughters, and a son), all settled in the U.S.

Mr. Rajeev Paliwal
Rajeev Paliwal has been an INSAF member for over two decades and has previously served as a Project Leader. He becomes the first INSAF Board Member from the “next generation”. Rajeev is Director of Sales Enablement at Icertis in Bellevue, WA. Rajeev lives in Bellevue, WA with his wife Saloni Mavani, son Kamron (18), and daughter Amara (13)). He is the son of Dr. Ramesh and Shmt. Pratibha Paliwal. Born in Fategarh, U.P., India, Rajeev moved to the US at age 5. He attended Rutgers University (B.A. Economics) and Columbia Business School (MBA), and moved to the Pacific Northwest in 2005. He has worked at Bellcore/Telcordia, Microsoft, The Game Agency, & Tableau (acquired by Salesforce) before recently joining Icertis. At Rutgers, Rajeev was Treasurer & President of Rutgers Community Outreach (RCO) and led various community programs (Big Brother / Big Sister, Habitat for Humanity, Senior citizens Support, and various other non-profit fundraising efforts). In years past, he has also directly managed and supported INSAF programs such as Sristi Education project. Additionally, in his free time Rajeev enjoys hiking, biking, kayaking, and taking full advantage of the beautiful Pacific Northwest.

Dr. Bhavender Paul Sharma
Newsletter & Website Editor
Bhav is a co-founder and has been a committed worker for INSAF throughout INSAF's 50 year existence. He was born in Patiala, Punjab, and came to the U.S. in 1969 after a Bachelor's degree in Chemical Eng. from Panjab Univ., Chandigarh. Bhav earned his Masters in Chem Eng. and Ph.D. in Biochem Eng. from Rutgers Univ, New Brunswick, NJ. He retired in 2013 after a 37 year career in Biotech and Pharma industries; his last position being V.P. Manfacturing & Process Dev. at Geron Corp, a small pharma company in California. After retirement, Bhav taught as an Adjunct Prof. at the Indian Institute of Technology, Mandi, Himachal Pradesh, and at the Jawaharlal Nehru Univ. New Delhi during 2013-2017. Since 2018, Bhav has been a volunteer career counselor, much of it remotely, for students from disadvantaed families in India. He is also a regular volunteer with Tax-Aid, a U.S. nonprofit which helps low income people file their tax returns. Bhav and his wife Kaye, who has also been a consistent worker throughout for INSAF, live in San Mateo, CA. They have a daughter, Anjana, who is a primary care physician, and a son, Neal, who is in Wild Life Conservation. Their daughter and son-in-law, Bhavjot, have a daughter and a son.