Mohammad Usman was born on 1st June 1935. The family was moderately well off amongst the members of the Okhai Memon Community settled in old Karachi.

He had his primary schooling in a Khadda Gujrati Vernacular school, and basic religious education in the locality madressah. He took up Psychology and Philosophy as main subjects, on joining S.M. Arts College, Karachi. In 1957, Mohammad Usman completed his four years college education and passed his B.A. Examination (in First Division).

He was, however, called upon, in about 1958, to shoulder business responsibility through his father's strong persuation. He was chairman of the Pakistan Sugar Mills Association and Cigarette Manufacturers Association of Pakistan.

Usman was basically however personality sensitive to the social problems as his deep concern for the well being of the less fortunate people around him was easily visible. He had gone all out in social life and made contribution in innumerable social welfare and literary bodies. The most remarkable achievement was his introducing new concept in social welfare work where he caused to mobilize general interest through democrative traditions.

At home, he was a loving father having six children (all daughters), devotedly sweet husband, affectionate to his brothers and sisters and dearly and deeply loved child of his parents and uncles.

He was always concern to keep good health and fit body and would do all possible to advise others to follow routine exercises. it was following his concern that he adopted horse riding as his fondest hobby. On the fateful day on 11th February, 1973, he compiled the routine and had gone for riding at 08:00 O'clock in the morning. But alas, after only few minutes riding, he collapsed due to cerebral haemorrage. he was rushed to the holy family hospital but, after four days of remaining in coma during which all possible medical treatment was provided, he breathed his last at 7:00 O'clock on 15th February, 1973.