Dr. Khalid Zaheer was born in Sargodha in 1958. He completed his school in the same town, did his matriculation from P.A.F. College Sargodha in 1973, and Intermediate from Government College Sargodha in 1975. Later on upon moving to Lahore, he attained admission in the University of the Punjab from where he did his B. Com in 1978. Having completed his M.B.A from the same institute in 1982, he went to UK for higher study and obtained a PhD in “Banking Islam” from the University of Wales in 1994.