Karthika completed her B.Tech from Govt. College of Engineering in Trivandrum. She holds M.B.A. and M.S. in Information Science and works as AVP at Bank of America. An alumni of University of North Texas, she is a Senior Member of Institute of Electrical and Electronics Engineers (I.E.E.E) and a life member of Phi Kappa Phi Honor Society. She has been actively involved in voluntary work and charity events through many civic and cultural organizations in Texas.
She lives in Plano with her husband Dr. Arun Kumar and children, Anjitha and Bhavini.