A personality is sum total of a person's being. To be effective in life it is not enough to be academically sound.
In the job market or when we go out in the life, it requires much more than academic learning.
One need to have understanding beyond learning wisdom.
Personality is a product of various traits. It is a value system that we acquire and ability that we develop to use our intellectual resources. A balanced personality makes us live in harmony with our environment.