Md. Kamrul Islam was born in Dhaka, Bangladesh and had his early education in Shamsul Haque Khan School & College and Dhaka City College. He obtained BBA (major in Finance) and MBA from University of Dhaka.
After graduation Md. Kamrul Islam worked as a Lecturer of Finance in BAF Shaheen College Dhaka. He was the founder moderator of BAF Shaheen College Business Club and Photography club.