Audit and Compliance Committee |
![]() |

K. Srinivas Nayak
Committee Chairman

K. Srinivas Nayak
Committee Chairman
Mr. Nayak has had career of over 30 years managing and leading Technology projects and services in Financial Services. He has built and led multi-location Technology teams to deliver technology solutions deployed globally. Mr. Nayak has handled global responsibilities for software development and infrastructure services delivering global programmes. More recently, he has served as the CTO for a UK based Reg-Tech start-up. Mr. Nayak holds a Bachelor's degree in Engineering.

R. Ramaseshan
Committee Member

R. Ramaseshan
Committee Member
R. Ramaseshan has wide experience in the Government as an officer of the IAS and in the private sector as the MD & CEO of a commodity exchange. His predominant experience is in public finance, tax reforms, and equity and commodity markets. Passionate about creating a national market for agricultural produce to help farmers, he currently works with over six states to reform their agricultural market system. He holds a degree in engineering and a Master’s degree in Business Administration with specialisation in Finance. He is a fellow member of the Institute of Cost and Management Accountants of India.

Rahul Khosla
Committee member

Rahul Khosla
Committee member
Mr. Khosla is a
seasoned top management executive with over 35 years of deep
experience across diverse geographies, functions and roles in
multiple domains - Consumer Banking, Payments, Healthcare, Life and
Health Insurance. He has expertise in senior executive management
skills and responsibilities, including in Chairman, President and
CEO roles. He has a sophisticated understanding of business,
organizational, governance and functional dimensions and has
demonstrated his credentials as a leader of business growth,
transformative development, quality performance, building
organizational capabilities while managing a wide range of
constituents across customers, employees, shareholders, boards and
regulators.
Mr. Khosla is an Economics graduate and a qualified
Chartered Accountant.

Ramesh Ramanathan
Committee Member

Ramesh Ramanathan
Committee Member
The Founder of Janalakshmi, Ramesh Ramanathan has a proven record of accomplishment in addressing the many issues faced by urban India. Ramesh has to his credit a strong international banking experience, creating innovative institutional products, working with cutting-edge technology and risk management systems. He holds an Honors degree in Physics from BITS Pilani, and an MBA from Yale University's School of Management. A co-author of the book "Urban Poverty Alleviation in India," he is a champion for the advocacy of poverty-related and public governance issues.

Chitra Talwar
Committee Member

Chitra Talwar
Committee Member
Chitra Talwar has over three decades of corporate experience in two leading consumer products companies, Britannia and PepsiCo. She worked in India and extensively in International markets ,based out of New York. Her functional expertise are in sales, marketing, strategy and general management. She has lead global teams to develop, implement and sustain sales best practices across international markets. Currently active in non profit areas on education and women & child safety, she also holds keen interest in start up space in Retail and Skill Development. She holds a BA in Economics from Madras University and an MBA from XLRI.
Nomination & Remuneration Committee |
![]() |

R. Ramaseshan
Committee Chairman

R. Ramaseshan
Committee Chairman
R. Ramaseshan has wide experience in the Government as an officer of the IAS and in the private sector as the MD & CEO of a commodity exchange. His predominant experience is in public finance, tax reforms, and equity and commodity markets. Passionate about creating a national market for agricultural produce to help farmers, he currently works with over six states to reform their agricultural market system. He holds a degree in engineering and a Master’s degree in Business Administration with specialisation in Finance. He is a fellow member of the Institute of Cost and Management Accountants of India.

Ramesh Ramanathan
Committee Member

Ramesh Ramanathan
Committee Member
The Founder of Janalakshmi, Ramesh Ramanathan has a proven record of accomplishment in addressing the many issues faced by urban India. Ramesh has to his credit a strong international banking experience, creating innovative institutional products, working with cutting-edge technology and risk management systems. He holds an Honors degree in Physics from BITS Pilani, and an MBA from Yale University's School of Management. A co-author of the book "Urban Poverty Alleviation in India," he is a champion for the advocacy of poverty-related and public governance issues.

Chitra Talwar
Committee Member

Chitra Talwar
Committee Member
Chitra Talwar has over three decades of corporate experience in two leading consumer products companies, Britannia and PepsiCo. She worked in India and extensively in International markets ,based out of New York. Her functional expertise are in sales, marketing, strategy and general management. She has lead global teams to develop, implement and sustain sales best practices across international markets. Currently active in non profit areas on education and women & child safety, she also holds keen interest in start up space in Retail and Skill Development. She holds a BA in Economics from Madras University and an MBA from XLRI.

Rahul Khosla
Committee member

Rahul Khosla
Committee member
Mr. Khosla is a
seasoned top management executive with over 35 years of deep
experience across diverse geographies, functions and roles in
multiple domains - Consumer Banking, Payments, Healthcare, Life and
Health Insurance. He has expertise in senior executive management
skills and responsibilities, including in Chairman, President and
CEO roles. He has a sophisticated understanding of business,
organizational, governance and functional dimensions and has
demonstrated his credentials as a leader of business growth,
transformative development, quality performance, building
organizational capabilities while managing a wide range of
constituents across customers, employees, shareholders, boards and
regulators.
Mr. Khosla is an Economics graduate and a qualified
Chartered Accountant.

Dr. Subhash C. Khuntia
Committee Member

Dr. Subhash C. Khuntia
Committee Member
Dr. Subhash C. Khuntia
has had a career in
Civil service spanning over 36 years as a member of the Indian
Administrative Service.
His latest assignment was as Chairman, Insurance Regulatory and
Development Authority of
India. He has been Chief Secretary, Government of Karnataka and
before that he worked as
Secretary (School Education and Literacy), Government of India in
the Ministry of Human
Resource Development.
In Government of Karnataka, he has served in various capacities in
the Departments of
Revenue, Personnel, Urban Development, Rural Development and as
Principal Secretary,
Public Works, Ports and Inland Waterways Department and as
Secretary, Finance
Department. In Government of India, he has served in Ministry of
Finance, Ministry of
Human Resource Development and Ministry of Petroleum & Natural
Gas. He also served
as Government nominee Director on the Boards of Indian Oil
Corporation, ONGC and
Hindustan Petroleum Corporation, and several PSUs of Karnataka State
Government. He has
been Chairman of the Boards of Bangalore International Airport
Limited and Institute of
Insurance and Risk Management.
Dr. Khuntia is an alumnus of Indian Institute of Technology, Kanpur
from where he did
his post-graduation in Computer Science and Physics. He is also an
alumnus of London
School of Economics from where he did his M.Sc. He has a Ph.D. in
Economics and is also
a Law Graduate.
Risk Management Committee |
![]() |

Ajay Kanwal
Committee Member

Ajay Kanwal
Committee Member
Ajay Kanwal is a senior consumer and commercial banker with 32 years’ experience across Asia. He has held various leadership positions throughout his banking career and has a proven track record of planning and executing strategy to deliver P&L in a multicultural and volatile emerging market environment. Ajay has played a significant role in launching several strategic growth initiatives while building and managing diverse teams across geographies.

R. Ramaseshan
Committee Member

R. Ramaseshan
Committee Member
R. Ramaseshan has wide experience in the Government as an officer of the IAS and in the private sector as the MD & CEO of a commodity exchange. His predominant experience is in public finance, tax reforms, and equity and commodity markets. Passionate about creating a national market for agricultural produce to help farmers, he currently works with over six states to reform their agricultural market system. He holds a degree in engineering and a Master’s degree in Business Administration with specialisation in Finance. He is a fellow member of the Institute of Cost and Management Accountants of India.

Dr. Subhash C. Khuntia
Committee Member

Dr. Subhash C. Khuntia
Committee Member
Dr. Subhash C. Khuntia
has had a career in
Civil service spanning over 36 years as a member of the Indian
Administrative Service.
His latest assignment was as Chairman, Insurance Regulatory and
Development Authority of
India. He has been Chief Secretary, Government of Karnataka and
before that he worked as
Secretary (School Education and Literacy), Government of India in
the Ministry of Human
Resource Development.
In Government of Karnataka, he has served in various capacities in
the Departments of
Revenue, Personnel, Urban Development, Rural Development and as
Principal Secretary,
Public Works, Ports and Inland Waterways Department and as
Secretary, Finance
Department. In Government of India, he has served in Ministry of
Finance, Ministry of
Human Resource Development and Ministry of Petroleum & Natural
Gas. He also served
as Government nominee Director on the Boards of Indian Oil
Corporation, ONGC and
Hindustan Petroleum Corporation, and several PSUs of Karnataka State
Government. He has
been Chairman of the Boards of Bangalore International Airport
Limited and Institute of
Insurance and Risk Management.
Dr. Khuntia is an alumnus of Indian Institute of Technology, Kanpur
from where he did
his post-graduation in Computer Science and Physics. He is also an
alumnus of London
School of Economics from where he did his M.Sc. He has a Ph.D. in
Economics and is also
a Law Graduate.

Rahul Khosla
Committee Member

Rahul Khosla
Committee Member
Mr. Khosla is a
seasoned top management executive with over 35 years of deep
experience across diverse geographies, functions and roles in
multiple domains - Consumer Banking, Payments, Healthcare, Life and
Health Insurance. He has expertise in senior executive management
skills and responsibilities, including in Chairman, President and
CEO roles. He has a sophisticated understanding of business,
organizational, governance and functional dimensions and has
demonstrated his credentials as a leader of business growth,
transformative development, quality performance, building
organizational capabilities while managing a wide range of
constituents across customers, employees, shareholders, boards and
regulators.
Mr. Khosla is an Economics graduate and a qualified
Chartered Accountant.

K. Srinivas Nayak
Committee Member

K. Srinivas Nayak
Committee Member
Mr. Nayak has had career of over 30 years managing and leading Technology projects and services in Financial Services. He has built and led multi-location Technology teams to deliver technology solutions deployed globally. Mr. Nayak has handled global responsibilities for software development and infrastructure services delivering global programmes. More recently, he has served as the CTO for a UK based Reg-Tech start-up. Mr. Nayak holds a Bachelor's degree in Engineering.
Corporate Social Responsibility Committee |
![]() |

Chitra Talwar
Committee Chairperson

Chitra Talwar
Committee Chairperson
Chitra Talwar has over three decades of corporate experience in two leading consumer products companies, Britannia and PepsiCo. She worked in India and extensively in International markets ,based out of New York. Her functional expertise are in sales, marketing, strategy and general management. She has lead global teams to develop, implement and sustain sales best practices across international markets. Currently active in non profit areas on education and women & child safety, she also holds keen interest in start up space in Retail and Skill Development. She holds a BA in Economics from Madras University and an MBA from XLRI.

Ajay Kanwal
Committee Member

Ajay Kanwal
Committee Member
Ajay Kanwal is a senior consumer and commercial banker with 32 years’ experience across Asia. He has held various leadership positions throughout his banking career and has a proven track record of planning and executing strategy to deliver P&L in a multicultural and volatile emerging market environment. Ajay has played a significant role in launching several strategic growth initiatives while building and managing diverse teams across geographies.

Rahul Khosla
Committee member

Rahul Khosla
Committee member
Mr. Khosla is a
seasoned top management executive with over 35 years of deep
experience across diverse geographies, functions and roles in
multiple domains - Consumer Banking, Payments, Healthcare, Life and
Health Insurance. He has expertise in senior executive management
skills and responsibilities, including in Chairman, President and
CEO roles. He has a sophisticated understanding of business,
organizational, governance and functional dimensions and has
demonstrated his credentials as a leader of business growth,
transformative development, quality performance, building
organizational capabilities while managing a wide range of
constituents across customers, employees, shareholders, boards and
regulators.
Mr. Khosla is an Economics graduate and a qualified
Chartered Accountant.

Dr. Subhash C. Khuntia
Committee Member

Dr. Subhash C. Khuntia
Committee Member
Dr. Subhash C. Khuntia
has had a career in
Civil service spanning over 36 years as a member of the Indian
Administrative Service.
His latest assignment was as Chairman, Insurance Regulatory and
Development Authority of
India. He has been Chief Secretary, Government of Karnataka and
before that he worked as
Secretary (School Education and Literacy), Government of India in
the Ministry of Human
Resource Development.
In Government of Karnataka, he has served in various capacities in
the Departments of
Revenue, Personnel, Urban Development, Rural Development and as
Principal Secretary,
Public Works, Ports and Inland Waterways Department and as
Secretary, Finance
Department. In Government of India, he has served in Ministry of
Finance, Ministry of
Human Resource Development and Ministry of Petroleum & Natural
Gas. He also served
as Government nominee Director on the Boards of Indian Oil
Corporation, ONGC and
Hindustan Petroleum Corporation, and several PSUs of Karnataka State
Government. He has
been Chairman of the Boards of Bangalore International Airport
Limited and Institute of
Insurance and Risk Management.
Dr. Khuntia is an alumnus of Indian Institute of Technology, Kanpur
from where he did
his post-graduation in Computer Science and Physics. He is also an
alumnus of London
School of Economics from where he did his M.Sc. He has a Ph.D. in
Economics and is also
a Law Graduate.
Committee for Monitoring Large Value Frauds |
![]() |

Dr. Subhash C. Khuntia
Committee Chairman

Dr. Subhash C. Khuntia
Committee Chairman
Dr. Subhash C. Khuntia
has had a career in
Civil service spanning over 36 years as a member of the Indian
Administrative Service.
His latest assignment was as Chairman, Insurance Regulatory and
Development Authority of
India. He has been Chief Secretary, Government of Karnataka and
before that he worked as
Secretary (School Education and Literacy), Government of India in
the Ministry of Human
Resource Development.
In Government of Karnataka, he has served in various capacities in
the Departments of
Revenue, Personnel, Urban Development, Rural Development and as
Principal Secretary,
Public Works, Ports and Inland Waterways Department and as
Secretary, Finance
Department. In Government of India, he has served in Ministry of
Finance, Ministry of
Human Resource Development and Ministry of Petroleum & Natural
Gas. He also served
as Government nominee Director on the Boards of Indian Oil
Corporation, ONGC and
Hindustan Petroleum Corporation, and several PSUs of Karnataka State
Government. He has
been Chairman of the Boards of Bangalore International Airport
Limited and Institute of
Insurance and Risk Management.
Dr. Khuntia is an alumnus of Indian Institute of Technology, Kanpur
from where he did
his post-graduation in Computer Science and Physics. He is also an
alumnus of London
School of Economics from where he did his M.Sc. He has a Ph.D. in
Economics and is also
a Law Graduate.

Ramesh Ramanathan
Committee Member

Ramesh Ramanathan
Committee Member
The Founder of Janalakshmi, Ramesh Ramanathan has a proven record of accomplishment in addressing the many issues faced by urban India. Ramesh has to his credit a strong international banking experience, creating innovative institutional products, working with cutting-edge technology and risk management systems. He holds an Honors degree in Physics from BITS Pilani, and an MBA from Yale University's School of Management. A co-author of the book "Urban Poverty Alleviation in India," he is a champion for the advocacy of poverty-related and public governance issues.

Ajay Kanwal
Committee Member

Ajay Kanwal
Committee Member
Ajay Kanwal is a senior consumer and commercial banker with 32 years’ experience across Asia. He has held various leadership positions throughout his banking career and has a proven track record of planning and executing strategy to deliver P&L in a multicultural and volatile emerging market environment. Ajay has played a significant role in launching several strategic growth initiatives while building and managing diverse teams across geographies.

Chitra Talwar
Committee Member

Chitra Talwar
Committee Member
Chitra Talwar has over three decades of corporate experience in two leading consumer products companies, Britannia and PepsiCo. She worked in India and extensively in International markets ,based out of New York. Her functional expertise are in sales, marketing, strategy and general management. She has lead global teams to develop, implement and sustain sales best practices across international markets. Currently active in non profit areas on education and women & child safety, she also holds keen interest in start up space in Retail and Skill Development. She holds a BA in Economics from Madras University and an MBA from XLRI.

R. Ramaseshan
Committee Member

R. Ramaseshan
Committee Member
R. Ramaseshan has wide experience in the Government as an officer of the IAS and in the private sector as the MD & CEO of a commodity exchange. His predominant experience is in public finance, tax reforms, and equity and commodity markets. Passionate about creating a national market for agricultural produce to help farmers, he currently works with over six states to reform their agricultural market system. He holds a degree in engineering and a Master’s degree in Business Administration with specialisation in Finance. He is a fellow member of the Institute of Cost and Management Accountants of India.
Information Technology Strategy Committee |
![]() |

Chitra Talwar
Committee Chairperson

Chitra Talwar
Committee Chairperson
Chitra Talwar has over three decades of corporate experience in two leading consumer products companies, Britannia and PepsiCo. She worked in India and extensively in International markets ,based out of New York. Her functional expertise are in sales, marketing, strategy and general management. She has lead global teams to develop, implement and sustain sales best practices across international markets. Currently active in non profit areas on education and women & child safety, she also holds keen interest in start up space in Retail and Skill Development. She holds a BA in Economics from Madras University and an MBA from XLRI.

Ajay Kanwal
Committee Member

Ajay Kanwal
Committee Member
Ajay Kanwal is a senior consumer and commercial banker with 32 years’ experience across Asia. He has held various leadership positions throughout his banking career and has a proven track record of planning and executing strategy to deliver P&L in a multicultural and volatile emerging market environment. Ajay has played a significant role in launching several strategic growth initiatives while building and managing diverse teams across geographies.

K. Srinivas Nayak
Committee Member

K. Srinivas Nayak
Committee Member
Mr. Nayak has had career of over 30 years managing and leading Technology projects and services in Financial Services. He has built and led multi-location Technology teams to deliver technology solutions deployed globally. Mr. Nayak has handled global responsibilities for software development and infrastructure services delivering global programmes. More recently, he has served as the CTO for a UK based Reg-Tech start-up. Mr. Nayak holds a Bachelor's degree in Engineering.

R. Ramaseshan
Committee Member

R. Ramaseshan
Committee Member
R. Ramaseshan has wide experience in the Government as an officer of the IAS and in the private sector as the MD & CEO of a commodity exchange. His predominant experience is in public finance, tax reforms, and equity and commodity markets. Passionate about creating a national market for agricultural produce to help farmers, he currently works with over six states to reform their agricultural market system. He holds a degree in engineering and a Master’s degree in Business Administration with specialisation in Finance. He is a fellow member of the Institute of Cost and Management Accountants of India.

Dr. Subhash C. Khuntia
Committee Member

Dr. Subhash C. Khuntia
Committee Member
Dr. Subhash C. Khuntia
has had a career in
Civil service spanning over 36 years as a member of the Indian
Administrative Service.
His latest assignment was as Chairman, Insurance Regulatory and
Development Authority of
India. He has been Chief Secretary, Government of Karnataka and
before that he worked as
Secretary (School Education and Literacy), Government of India in
the Ministry of Human
Resource Development.
In Government of Karnataka, he has served in various capacities in
the Departments of
Revenue, Personnel, Urban Development, Rural Development and as
Principal Secretary,
Public Works, Ports and Inland Waterways Department and as
Secretary, Finance
Department. In Government of India, he has served in Ministry of
Finance, Ministry of
Human Resource Development and Ministry of Petroleum & Natural
Gas. He also served
as Government nominee Director on the Boards of Indian Oil
Corporation, ONGC and
Hindustan Petroleum Corporation, and several PSUs of Karnataka State
Government. He has
been Chairman of the Boards of Bangalore International Airport
Limited and Institute of
Insurance and Risk Management.
Dr. Khuntia is an alumnus of Indian Institute of Technology, Kanpur
from where he did
his post-graduation in Computer Science and Physics. He is also an
alumnus of London
School of Economics from where he did his M.Sc. He has a Ph.D. in
Economics and is also
a Law Graduate.
Customer Service Committee |
![]() |

Chitra Talwar
Committee Chairperson

Chitra Talwar
Committee Chairperson
Chitra Talwar has over three decades of corporate experience in two leading consumer products companies, Britannia and PepsiCo. She worked in India and extensively in International markets ,based out of New York. Her functional expertise are in sales, marketing, strategy and general management. She has lead global teams to develop, implement and sustain sales best practices across international markets. Currently active in non profit areas on education and women & child safety, she also holds keen interest in start up space in Retail and Skill Development. She holds a BA in Economics from Madras University and an MBA from XLRI.

Ajay Kanwal
Committee Member

Ajay Kanwal
Committee Member
Ajay Kanwal is a senior consumer and commercial banker with 32 years’ experience across Asia. He has held various leadership positions throughout his banking career and has a proven track record of planning and executing strategy to deliver P&L in a multicultural and volatile emerging market environment. Ajay has played a significant role in launching several strategic growth initiatives while building and managing diverse teams across geographies.

Dr. Subhash C. Khuntia
Committee Member

Dr. Subhash C. Khuntia
Committee Member
>Dr. Subhash C. Khuntia
has had a career in
Civil service spanning over 36 years as a member of the Indian
Administrative Service.
His latest assignment was as Chairman, Insurance Regulatory and
Development Authority of
India. He has been Chief Secretary, Government of Karnataka and
before that he worked as
Secretary (School Education and Literacy), Government of India in
the Ministry of Human
Resource Development.
In Government of Karnataka, he has served in various capacities in
the Departments of
Revenue, Personnel, Urban Development, Rural Development and as
Principal Secretary,
Public Works, Ports and Inland Waterways Department and as
Secretary, Finance
Department. In Government of India, he has served in Ministry of
Finance, Ministry of
Human Resource Development and Ministry of Petroleum & Natural
Gas. He also served
as Government nominee Director on the Boards of Indian Oil
Corporation, ONGC and
Hindustan Petroleum Corporation, and several PSUs of Karnataka State
Government. He has
been Chairman of the Boards of Bangalore International Airport
Limited and Institute of
Insurance and Risk Management.
Dr. Khuntia is an alumnus of Indian Institute of Technology, Kanpur
from where he did
his post-graduation in Computer Science and Physics. He is also an
alumnus of London
School of Economics from where he did his M.Sc. He has a Ph.D. in
Economics and is also
a Law Graduate.

K. Srinivas Nayak
Committee Member

K. Srinivas Nayak
Committee Member
Mr. Nayak has had career of over 30 years managing and leading Technology projects and services in Financial Services. He has built and led multi-location Technology teams to deliver technology solutions deployed globally. Mr. Nayak has handled global responsibilities for software development and infrastructure services delivering global programmes. More recently, he has served as the CTO for a UK based Reg-Tech start-up. Mr. Nayak holds a Bachelor's degree in Engineering.
Credit Committee |
![]() |

Ramesh Ramanathan
Committee Member

Ramesh Ramanathan
Committee Member
The Founder of Janalakshmi, Ramesh Ramanathan has a proven record of accomplishment in addressing the many issues faced by urban India. Ramesh has to his credit a strong international banking experience, creating innovative institutional products, working with cutting-edge technology and risk management systems. He holds an Honors degree in Physics from BITS Pilani, and an MBA from Yale University's School of Management. A co-author of the book "Urban Poverty Alleviation in India," he is a champion for the advocacy of poverty-related and public governance issues.

Chitra Talwar
Committee Member

Chitra Talwar
Committee Member
Chitra Talwar has over three decades of corporate experience in two leading consumer products companies, Britannia and PepsiCo. She worked in India and extensively in International markets ,based out of New York. Her functional expertise are in sales, marketing, strategy and general management. She has lead global teams to develop, implement and sustain sales best practices across international markets. Currently active in non profit areas on education and women & child safety, she also holds keen interest in start up space in Retail and Skill Development. She holds a BA in Economics from Madras University and an MBA from XLRI.
Willfull Defaulters Committee |
![]() |

Ajay Kanwal
Committee Chairman

Ajay Kanwal
Committee Chairman
Ajay Kanwal is a senior consumer and commercial banker with 32 years’ experience across Asia. He has held various leadership positions throughout his banking career and has a proven track record of planning and executing strategy to deliver P&L in a multicultural and volatile emerging market environment. Ajay has played a significant role in launching several strategic growth initiatives while building and managing diverse teams across geographies.

R. Ramaseshan
Committee Member

R. Ramaseshan
Committee Member
R. Ramaseshan has wide experience in the Government as an officer of the IAS and in the private sector as the MD & CEO of a commodity exchange. His predominant experience is in public finance, tax reforms, and equity and commodity markets. Passionate about creating a national market for agricultural produce to help farmers, he currently works with over six states to reform their agricultural market system. He holds a degree in engineering and a Master’s degree in Business Administration with specialisation in Finance. He is a fellow member of the Institute of Cost and Management Accountants of India.

Chitra Talwar
Committee Member

Chitra Talwar
Committee Member
Chitra Talwar has over three decades of corporate experience in two leading consumer products companies, Britannia and PepsiCo. She worked in India and extensively in International markets ,based out of New York. Her functional expertise are in sales, marketing, strategy and general management. She has lead global teams to develop, implement and sustain sales best practices across international markets. Currently active in non profit areas on education and women & child safety, she also holds keen interest in start up space in Retail and Skill Development. She holds a BA in Economics from Madras University and an MBA from XLRI.
IPO Committee |
![]() |

Rahul Khosla
Committee Chairman

Rahul Khosla
Committee Chairman
Mr. Khosla is a
seasoned
top
management executive with over 35 years of deep experience across
diverse
geographies, functions and roles in multiple domains - Consumer
Banking,
Payments, Healthcare, Life and Health Insurance. He has expertise in
senior
executive management skills and responsibilities, including in
Chairman,
President and CEO roles. He has a sophisticated understanding of
business,
organizational, governance and functional dimensions and has
demonstrated
his credentials as a leader of business growth, transformative
development,
quality performance, building organizational capabilities while
managing
a
wide range of constituents across customers, employees,
shareholders,
boards
and regulators.
Mr. Khosla is an Economics graduate and a
qualified
Chartered Accountant.

Ramesh Ramanathan
Committee Member

Ramesh Ramanathan
Committee Member
The Founder of Janalakshmi, Ramesh Ramanathan has a proven record of accomplishment in addressing the many issues faced by urban India. Ramesh has to his credit a strong international banking experience, creating innovative institutional products, working with cutting-edge technology and risk management systems. He holds an Honors degree in Physics from BITS Pilani, and an MBA from Yale University's School of Management. A co-author of the book "Urban Poverty Alleviation in India," he is a champion for the advocacy of poverty-related and public governance issues.

Ajay Kanwal
Committee Member

Ajay Kanwal
Committee Member
Ajay Kanwal is a senior consumer and commercial banker with 32 years’ experience across Asia. He has held various leadership positions throughout his banking career and has a proven track record of planning and executing strategy to deliver P&L in a multicultural and volatile emerging market environment. Ajay has played a significant role in launching several strategic growth initiatives while building and managing diverse teams across geographies.

Dr. Subhash C. Khuntia
Committee Member

Dr. Subhash C. Khuntia
Committee Member
>Dr. Subhash C. Khuntia
has had a career in
Civil service spanning over 36 years as a member of the Indian
Administrative Service.
His latest assignment was as Chairman, Insurance Regulatory and
Development Authority of
India. He has been Chief Secretary, Government of Karnataka and
before that he worked as
Secretary (School Education and Literacy), Government of India in
the Ministry of Human
Resource Development.
In Government of Karnataka, he has served in various capacities in
the Departments of
Revenue, Personnel, Urban Development, Rural Development and as
Principal Secretary,
Public Works, Ports and Inland Waterways Department and as
Secretary, Finance
Department. In Government of India, he has served in Ministry of
Finance, Ministry of
Human Resource Development and Ministry of Petroleum & Natural
Gas. He also served
as Government nominee Director on the Boards of Indian Oil
Corporation, ONGC and
Hindustan Petroleum Corporation, and several PSUs of Karnataka State
Government. He has
been Chairman of the Boards of Bangalore International Airport
Limited and Institute of
Insurance and Risk Management.
Dr. Khuntia is an alumnus of Indian Institute of Technology, Kanpur
from where he did
his post-graduation in Computer Science and Physics. He is also an
alumnus of London
School of Economics from where he did his M.Sc. He has a Ph.D. in
Economics and is also
a Law Graduate.
Stakeholders Relationship Committee |
![]() |

Dr. Subhash C. Khuntia
Committee Chairman

Dr. Subhash C. Khuntia
Committee Chairman
>Dr. Subhash C.
Khuntia
has had a career in
Civil service spanning over 36 years as a member of the Indian
Administrative Service.
His latest assignment was as Chairman, Insurance Regulatory and
Development Authority of
India. He has been Chief Secretary, Government of Karnataka and
before that he worked as
Secretary (School Education and Literacy), Government of India in
the Ministry of Human
Resource Development.
In Government of Karnataka, he has served in various capacities in
the Departments of
Revenue, Personnel, Urban Development, Rural Development and as
Principal Secretary,
Public Works, Ports and Inland Waterways Department and as
Secretary, Finance
Department. In Government of India, he has served in Ministry of
Finance, Ministry of
Human Resource Development and Ministry of Petroleum & Natural
Gas. He also served
as Government nominee Director on the Boards of Indian Oil
Corporation, ONGC and
Hindustan Petroleum Corporation, and several PSUs of Karnataka State
Government. He has
been Chairman of the Boards of Bangalore International Airport
Limited and Institute of
Insurance and Risk Management.
Dr. Khuntia is an alumnus of Indian Institute of Technology, Kanpur
from where he did
his post-graduation in Computer Science and Physics. He is also an
alumnus of London
School of Economics from where he did his M.Sc. He has a Ph.D. in
Economics and is also
a Law Graduate.

Ajay Kanwal
Committee Member

Ajay Kanwal
Committee Member
Ajay Kanwal is a senior consumer and commercial banker with 32 years’ experience across Asia. He has held various leadership positions throughout his banking career and has a proven track record of planning and executing strategy to deliver P&L in a multicultural and volatile emerging market environment. Ajay has played a significant role in launching several strategic growth initiatives while building and managing diverse teams across geographies.

R. Ramaseshan
Committee Member

R. Ramaseshan
Committee Member
R. Ramaseshan has wide experience in the Government as an officer of the IAS and in the private sector as the MD & CEO of a commodity exchange. His predominant experience is in public finance, tax reforms, and equity and commodity markets. Passionate about creating a national market for agricultural produce to help farmers, he currently works with over six states to reform their agricultural market system. He holds a degree in engineering and a Master’s degree in Business Administration with specialisation in Finance. He is a fellow member of the Institute of Cost and Management Accountants of India.