Kulkarni was born on 10 September 1965 in Belagavi, Karnataka, India. He completed his secondary education from Haribhai Deokaran High School, Solapur, and Maharashtra. He completed his Junior College from Belagavi and completed his graduation in English literature at D. A. V. College, Solapur. He is married to theater actress Geetanjali Kulkarni, whom he met at National School of Drama. He entered into Tamil industry in the year 1997. While studying, Atul joined Natya Aradhana, an amateur theatre group from Solapur. Atul Kulkarni holds a postgraduate diploma in dramatic arts from National School of Drama, New Delhi.
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