Muhammad 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 Gujrati Vernacular School, and basic religious education in the local madressah. He took up Psychology and Philosophy as main subjects, on joining S.M. Arts College, Karachi. In 1953,
Muhammad Usman completed his four year college education and passed his B.A. Examination (in First Division) in 1957.
He was, however, called upon, in 1958, to shoulder business responsibility through his father’s strong persuation. He was the Chairman of Pakistan Sugar Mills Association and Cigarette Manufacturers Association of Pakistan.
Usman was basically 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 democratic 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 about his health and would advise others to follow routine exercises. It was following his concern that he adapted horse riding as his hobby. On the fateful day of 11th February, 1973, he had gone for riding 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 in coma during which all possible medical treatment was provided, he breathed his last on 15th February, 1973.