印度HDFC银行 HDB

Mr. Sashidhar Jagdishan is the Managing Director and the Chief Executive Officer of the Bank. He has 33 years of experience. Mr. Jagdishan holds a degree in science with a specialization in physics, is a Chartered Accountant by profession and holds a master's degree in economics of money, banking and finance from the University of Sheffield in the United Kingdom. Mr. Jagdishan joined the Bank in 1996 as a manager in the finance function. He became Business Head-Finance in 1999 and was appointed as Chief Financial Officer in 2008. He played a critical role in supporting the growth trajectory of the Bank and led the finance function with a pivotal role in aligning the organization in achieving the strategic objectives over the years. In 2019, he was appointed as the Strategic Change Agent of the Bank and given additional responsibilities of Legal and Secretarial, Human Resources, Corporate Communication, Infrastructure and Administration and Corporate Social Responsibility (CSR). Prior to his appointment as Managing Director and Chief Executive Officer of the Bank, he was the Group Head of the Bank and headed the Finance, Human Resources, Legal & Secretarial, Corporate Communications, Infrastructure & Administration and Corporate Social Responsibility functions.

Mr. Kaizad Bharucha has been associated with the Bank since October 1995. Appointed to the Board in 2014, he is currently the Deputy Managing Director of the Bank and a long-serving member of the Executive Board. Mr. Bharucha holds a bachelor's degree in Commerce from Sydenham College of Commerce and Economics (University of Mumbai). A career banker with more than 40 years of experience, he has been an integral part of the Bank since 1995. Among his contributions to building the Bank, he has played a key role in building the credit and risk frameworks that underpin the Bank's operations. These frameworks have supported the Bank's consistent growth, safeguarding its ability to navigate volatile economic conditions effectively. Mr. Bharucha is responsible for giving strategic direction to the Assets franchise of the Bank. This ranges from Retail Asset products like Home Loans, Auto Loans, Two-Wheeler Loans and Personal and Business loans to Rural Banking, Sustainable Livelihood, MSME, SME and the Transportation Group. In the Wholesale segment, Mr. Bharucha oversees the Emerging Corporate Group, Healthcare Finance, Corporate Banking and Investment Banking segments. Mr. Bharucha also led the Capital Markets and Commodities and Custody Business in his previous role. He also currently oversees the CSR, ESG and Inclusive Banking Initiatives Group. Mr. Bharucha also co-chaired and spearheaded the Integration Committee, which was tasked with the responsibility of ensuring complete integration and smooth execution of the merger of HDFC Limited and the Bank. Mr. Bharucha also serves as the Designated Director for the Financial Intelligence Unit (FIU) and the Internal Ombudsman Scheme. Under his leadership, the Bank's CSR Program is among the top three in the country. Mr. Bharucha is also the chief sponsor of diversity and inclusion initiatives at the Bank. Mr. Bharucha has also been part of the RBI's committees and sub-committees, including the government-appointed inter-ministerial committee. He also regularly engages with regulators and government bodies to provide views on policy. Mr. Bharucha is a Non-Executive Director (Nominee of the Bank) of HDFC Life.

Mr. Sandeep Parekh holds an LL.M. (Securities and Financial Regulation) degree from Georgetown University Law Center and an LL.B. from the University of Delhi. He is the Managing Partner of Finsec Law Advisors, a financial sector law firm based in Mumbai. Mr. Parekh served as an Executive Director of the SEBI between 2006 and 2008, heading its Legal Affairs and Enforcement departments. He has been a visiting faculty member at the Indian Institute of Management, Ahmedabad since 2022 and previously worked with law firms in Delhi, Mumbai and Washington, D.C. His practice focuses on securities regulation, cross-border investment regulation, private equity, corporate governance and financial regulation. Mr. Parekh is admitted to practice law in New York and is a member of the bar of the Supreme Court of the United States. He was recognized by the World Economic Forum as a Young Global Leader in 2008. He has chaired and served on various committees and sub-committees constituted by the SEBI and the RBI, including serving as chairman of the SEBI's Working Group on Proxy Advisory Companies. He has published over 350 opinion pieces and articles in the Financial Times, the Economic Times and the Financial Express, and is the author of Fraud, Manipulation and Insider Trading in the Indian Securities Markets (LexisNexis, Fifth Edition, 2025).

Mr. M. D. Ranganath has over 33 years of experience in the global IT services and financial services industry. Mr. Ranganath holds a post-graduate diploma in management from the Indian Institute of Management, Ahmedabad. He holds a master's degree in technology from the Indian Institute of Technology, Madras and a bachelor's degree in engineering from the University of Mysore. He is a member of CPA, Australia. He is currently the Chairman of Catamaran Ventures LLP. He was Chief Financial Officer of Infosys Limited, a globally listed corporation, until November 2018. During his tenure of 18 years at Infosys, he was an integral part of the growth and transformation of Infosys and effectively played leadership roles in a wide spectrum of areas such as Strategy, Finance, M&A, Consulting, Risk Management and Corporate Planning, culminating in the role of Chief Financial Officer and worked closely with the board of Infosys and its committees in formulating and executing its strategic priorities. In 2017 and 2018, Mr. Ranganath was the recipient of the Best CFO Asia award in the technology sector by Institutional Investor publication, based on a poll of the buy-side and sell-side investor community. Prior to Infosys, he worked at ICICI Limited and executed responsibilities in corporate credit, treasury, equity portfolio management and corporate planning. Mr. Ranganath is on the board of the Indian Institute of Management, Bangalore. He is a member of the Confederation of Indian Industry (CII) corporate governance council and GIFT City's advisory committee on funds management.

Dr. (Mr.) Harsh Kumar Bhanwala has a vast experience of 40 years in areas such as board governance & management, finance, rural development, promoting and supporting sustainable agriculture, and supervision and development of rural cooperative banks. He has considerable experience in the impact finance space and in the human resource development function for large organizations. Dr. (Mr.) Bhanwala earned a B.Sc. in Dairy Technology from the National Dairy Research Institute, Karnal. He holds a postgraduate degree in Management from IIM Ahmedabad and holds a Ph.D. in Management. He has been awarded an honorary doctorate in Science by Tamil Nadu Agricultural University, Coimbatore, the Indian Council of Agricultural Research-Central Institute of Fisheries Education, Mumbai and the Indian Council of Agricultural Research-National Dairy Research Institute, Karnal. Dr. (Mr.) Bhanwala was the Chairman of the National Bank for Agriculture and Rural Development, the Apex Development Bank of India, from December 18, 2013 to May 27, 2020. He has been the Executive Director and later Chairman cum Managing Director of India Infrastructure Finance Company Ltd. Dr. (Mr.) Bhanwala has also been the Managing Director of the Delhi State Cooperative Bank. Recently, he also served as the Executive Chairman of a listed NBFC (Capital India Finance Limited). He is also a director of Microfinance Industry Network, an association of Non Banking Financial Company-Micro Finance Institutions. Dr. (Mr.) Bhanwala served as a Chairman of the Banker's Institute of Rural Development, Lucknow and NABARD Consultancy Services. Dr. (Mr.) Bhanwala headed the Technical Group appointed by the SEBI on the Social Stock Exchange (September 2020). He was a member of the Expert Committee on the Primary (Urban) Cooperative Banks of the RBI constituted after the amendment in the Banking Regulation Act, 1949, and has considerable expertise in rural banking in India. He has broad experience with DICGC, the Institute of Rural Management Anand, the National Institute of Bank Management (NIBM) and the National Cooperative Development Corporation. Dr. (Mr.) Bhanwala has been an Independent Director on the boards of Bayer Crop Science Limited and Arya Collateral Warehousing Services Private Limited. He has also served as a Vice Chairman of the Asia-Pacific Rural and Agricultural Credit Association. Dr. (Mr.) Bhanwala is the Non-Executive (Independent) Chairman of the Multi-Commodity Exchange of India Limited.

Dr. (Mrs.) Sunita Maheshwari has over 30 years of experience and has lived and worked in the United States and India. She is a U.S. board-certified pediatric cardiologist, who completed her MBBS at Osmania Medical College followed by post-graduate work at the All India Institute of Medical Sciences in Delhi, and at Yale University in the United States. In addition to being a clinician, Dr. (Mrs.) Maheshwari is a medical entrepreneur and co-founder at the Telerad Group which includes: (a) Daignostix and Teleradiology Solutions (India's first and largest teleradiology company that has provided over 8 million diagnostic reports to patients and hospitals globally), (b) Telerad Tech, which builds AI enabled telehealth software and (c) RXDX Healthcare, a chain of multi-specialty neighborhood phygital clinics in Bangalore and rural India. Dr. (Mrs.) Maheshwari is active in the social arena in India where she runs two trust funds. People4people has put up over 750 playgrounds in government schools, and Telerad Foundation provides teleradiology and telemedicine services to poor areas in Asia that do not have access to high quality medical care. Her other interests include teaching. Dr. (Mrs.) Maheshwari has been running India's e-teaching program for postgraduates in pediatric cardiology for over a decade. She is a mentor in Residence for the Sustainable Health Initiative of the Yale Institute for Global Health where she, along with her spouse, have instituted the Kalyanpur-Maheshwari Endowment for Global Health Innovation. She has also been the President of the Pediatric Cardiac Society of India. Dr. (Mrs.) Maheshwari has over 200 academic presentations and publications to her credit and is an inspirational speaker, having given over 200 lectures, including several TEDx talks. She is the recipient of several prestigious awards and honors including: Trailblazing Indian Cardiac Leader at the ET Indian Cardiac Care Innovation Summit 2024; Business World's 20 Most Influential Women in Healthcare 2022; WOW (Woman of Worth) 2019 award, Outlook Business; Amazing Indian Award-Times Now 2014; Top 20 Women Achievers in Healthcare in India, Modern Medicare 2009; and Yale University-Outstanding Fellow Teacher of the Year Award, 1995, among others. Dr. (Mrs.) Maheshwari is an Independent Director of GlaxoSmithKline Pharmaceuticals Limited.

Mr. Santhosh Keshavan is a strategic executive with 31 years of global business and technology experience in financial industries. Mr. Keshavan has a BS degree in Computer Science from University of Mysore and Master of Business Administration in Information Systems from the University of Alabama, Birmingham. His experience includes major business transformations, M&A, managing product launches, setting up global operations and managing companies through financial challenges. A performance driven executive, he has an entrepreneurial mindset, accumulated from diverse experience spanning startups, technology companies and large, publicly traded banking and financial corporations. Mr. Keshavan is deeply knowledgeable about enterprise technology, cyber security, operations, customer experience, strategic planning, vendor management, financial analysis and overall risk management. He has worked across the retirement, employee benefits, asset management, insurance and banking sectors. He has extensive experience partnering with technology, audit, HR and risk committees. Currently, Mr. Keshavan is the Executive Vice President and Chief Technology and Operation Officer of Voya Financial Inc. (NYSE: VOYA) and is a member of Voya's Executive Committee. The transformation at Voya was focused on using digital and data infrastructure to create new capabilities for customers, radically enhance customer experience across all channels and optimize costs through ecosystem simplification, migration to public cloud and elimination of legacy technology. He was instrumental in starting Voya India, which is a crucial talent base and global capabilities center for Voya, and currently serves as Voya's Chairperson. Before joining Voya in 2017, Mr. Keshavan served as Chief Information Officer, core banking for Regions Financial Corp (NYSE: RF). He managed the technology teams, the integration of Regions Financial Corp and AmSouth Bank and was part of the management team for turning the bank to sustained profitability after the 2007 financial crisis. Mr. Keshavan was previously the Vice President of Technology at Fidelity Investments, where he led all aspects of pricing and cash management, supporting the investment management and treasury functions. Prior to this role, he worked for SunGard Data Systems (now Fidelity Information Services - FIS) in various roles, including eventually Managing Director of Retirement Services for International Operations. He managed global teams with P&L responsibility and grew the business unit setting up green field operations in countries including Japan, Australia and India. Mr. Keshavan started his career as a software developer for a start-up in Bangalore, India. Mr. Keshavan currently serves on the Board of Trustees of the New York Institute of Technology (since 2021). He also served on the board of Connecticut Insurance and Financial Services, which is part of the Connecticut Department of Economic and Community Development, from April 2018 to March 2024.

Mr. Keki Mistry was appointed as a Non-Executive (Non-Independent) Director of the Bank, with effect from June 30, 2023 to November 6, 2029. Mr. Keki Mistry was subsequently appointed as Interim Part-Time Chairman of the Bank, with effect from March 19, 2026 for a period of three months, as approved by the RBI. Mr. Keki Mistry ceased to be the Interim Part-Time Chairman of the Bank on July 15, 2026 and continues to be a Non-Executive (Non-Independent) Director of the Bank. Mr. Keki Mistry was the Vice Chairman and Chief Executive Officer of HDFC Limited prior to its amalgamation with the Bank, with effect from July 1, 2023. Mr. Mistry is a qualified Chartered Accountant and a Fellow member of the Institute of Chartered Accountants of India. A renowned professional with over four decades of varied work experience in the banking and financial services sector, Mr. Mistry is the Chairman of the Primary Market Advisory Committee constituted by the SEBI. Mr. Mistry is also a member of the Standing Committee on Primary Markets, which has been constituted by the IFSCA. Mr. Mistry was also the Co-Chair of the B20 South Africa 2025 Task Force on Integrity & Compliance. He is also the Chairman of the Governance Committee of the Corporate Debt Market Development Fund of SBI Funds Management Ltd. and the Capital Markets Committee of the Federation of Indian Chambers of Commerce and Industry, its specialized sub-group on debt. He has been a member of the Expert Committee constituted by the SEBI for promoting ease of doing business and harmonization of the provisions of the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018 with those of the SEBI (Listing Obligations and Disclosure Requirements) Regulation, 2015. Mr. Mistry holds directorships at the following listed companies: HDFC Life - Non-Executive Chairman, HDFC ERGO (Debt Listed) - Non-Executive Chairman, Tata Consultancy Services Limited - Independent director, The Great Eastern Shipping Company Limited - Independent director.

Mr. Rajiv Kumar a 1984-batch former Indian Administrative Services officer, is widely regarded for his transformative role in revitalizing India's banking and financial sector during a period of significant systemic stress from 2017 to 2020. He retired as Finance Secretary of India in February 2020. Post retirement, Mr. Kumar also briefly served as Chairman of Public Enterprises Selection Board (PESB). Mr. Kumar holds a bachelor's degree in science and an LL.B. from Delhi University, and a postgraduate diploma in management and a master's degree in public policy and sustainable development from TERI University, New Delhi. From 2017 to 2020, Mr. Kumar served as Secretary of the Department of Financial Services (the DFS). He assumed charge at a time when public sector banks were grappling with high levels of unrecognized NPAs, capital inadequacy, lenders frozen out of fresh credit, gold plating being rampant, equity and debt being diverted and recirculated to leverage fresh credit, governance challenges including large consortiums, NBFCs struggling to fill micro credit gaps post demonetization, and Ponzi schemes defrauding citizens, among other challenges. Mr. Kumar's career saw him implement several initiatives leading to clean banking. His tenure saw decisive action against illicit financial practices, strengthening regulatory oversight of cooperative banks, and enforcing accountability in high-profile default cases. For loans of Rs. 500 million and above, passport details became mandatory - closing the door on big borrowers who might flee before action caught up. Fraud checks, specialized monitoring above Rs. 2.5 billion, and IT-based risk scoring on more than 34 factors replaced soft signals with loose controls, inbuilt in lending by large consortiums of often more up to 25 banks and represented a total reset of the creditor- debtor relationship with a loud and clear message that money has to be lent prudentially and debtors must pay back. Beyond balance sheet repair, Mr. Kumar drove growth-oriented and inclusion-focused initiatives within the financial system. He accelerated financial inclusion under the Jan Dhan framework, expanded access to banking services, and directed credit growth towards sectors such as retail, agriculture, and MSMEs while maintaining underwriting discipline. His coordinated response to liquidity challenges in the NBFC sector following a crisis, along with reforms such as the restructuring of a public sector bank and implementation of the Enhanced Access and Service Excellence (EASE) agenda further strengthened the resilience and credibility of India's financial system. Mr. Kumar has also served as the 25th Chief Election Commissioner of India; world records with participation of approximately 642 million electors and approximately 312 million women electors were created during 2024 General Elections to Lok Sabha. Mr. Kumar either sat on or chaired a significant number of the bodies that touch the country's financial architecture - the Central Board of the RBI, the Financial Stability and Development Council, the Financial Sector Regulatory Appointments Search Committee, the PESB, the Bank Board Bureau, the Boards of State Bank of India and NABARD, an expert committee on the Central Bank's economic capital framework and Committee on restructuring of NITI Aayog. He was also the Secretary of the Appointment Committee of the Cabinet.

Ms. Ashima Bhat is Head of Virtual Relationship Banking and Infrastructure. In her current role, she is responsible for enhancing the Bank's ability to provide relationship management services to a wide customer base. Her team handles all the non-physical aspects of banking. In addition to the above she is responsible for the entire infrastructure of the Bank including setting up of branches, offices, data centers and training infrastructure. Prior to holding this role, Ms. Bhat headed the Bank's Business Finance and Strategy, ESG and CSR, Infrastructure and Administration function. She led the team that created the Bank's roadmap for ESG initiatives and drove its implementation. In her role as CSR Head, she was instrumental in the social initiatives of the Bank in the areas of education, skilling and rural development. Ms. Bhat has been with the Bank since its inception in 1994 and has been an integral part of its growth story. In her 31-year long journey with the Bank, she has donned multiple hats. In her earlier roles, she was the head of Emerging Corporates Group, Infrastructure Finance and Healthcare. Prior to this, she led Supply Chain Management and Corporate Banking. She has a master's degree in Management Studies from NMIMS, Mumbai.

Mr. Vibhash Naik is the Chief Human Resources Officer (CHRO) at the Bank. He joined the Bank in February 2026 and is responsible for leading the Human Resources function. Prior to joining the Bank, Mr. Naik was the CHRO at HDFC Life. During his 14-year tenure at HDFC Life, he was instrumental in creating a technology-enabled people ecosystem designed to enhance the employee experience, simplify processes and nurture a culture of collaboration across HDFC Life. With over 25 years of experience spanning across talent management, organizational development, performance management, HR technology and rewards, Mr. Naik combines strategic vision with a nuanced understanding of organization and human behavior. Prior to joining HDFC Life, Mr. Naik held senior leadership positions with respected organizations across the banking, financial services, technology and insurance sectors. Mr. Naik holds a master's degree in Labour Studies from the University of Mumbai.

Mr. Ravi Santhanam is Chief Marketing Officer at the Bank. He is responsible for driving the digital origination and fulfillment of all Bank products and all Direct to Consumer products of the Bank. He has played a key role in establishing the customer centricity practice at the Bank by setting up the NPS system across the Bank. Mr. Santhanam has previously led Liability Products and Managed Programs as well as Corporate Communications at the Bank. Prior to joining the Bank, Mr. Santhanam worked with Vodafone as Business Head for the Uttar Pradesh market. In 2013, he was given the responsibility to lead the new business vertical of Data, Devices, and Content & Innovation in Mumbai. He has also worked with Reliance Communications, ICICI Bank and PowerGen in leadership roles, spanning across Strategy, M&A and Business. He was the only CMO from India to be featured in the top 50 list of Forbes The World's Most Influential CMOs 2020. He has over 28 years of experience. Mr. Santhanam has a mechanical engineering degree from Anna University and is also an alumnus of the Indian Institute of Management Calcutta and Harvard Business School.

Mr. Sanmoy Chakrabarti serves as the Group Chief Risk Officer at the Bank. He brings over two decades of experience in risk management, having previously led the department across all segments of the Bank. Over the years, Mr. Chakrabarti has held senior leadership roles within the Bank and across financial institutions in multiple Asian markets. His expertise spans credit, market, liquidity, operational and enterprise risk, with a focus on building resilience in a dynamic financial environment. He holds a master's degree in quantitative economics from the Indian Statistical Institute.

Mr. Anjani Rathor is the Head of Digital and Customer Experience at the Bank. He heads Digital Banking, Customer Experience, Data and Process Excellence at the Bank. He holds a postgraduate diploma from IIM Calcutta and a bachelor's degree in technology from IIT Kharagpur. He has over 25 years of experience across telecommunications, aviation, consulting and financial services, with companies such as Airtel, Boeing, Accenture and CitiCorp. He joined the Bank in February 2020.

Mr. Jimmy Tata is the Chief Credit Officer. He holds a master's degree in financial management from the Jamnalal Bajaj Institute of Management and is a qualified Chartered Financial Analyst of India. Mr. Tata has been with the Bank since 1994 and has over 35 years of broad experience across the banking and financial sector. Mr. Tata commenced his career in 1987 as a consultant at Strategic Consultants Pvt Ltd. In 1989, he joined Apple Industries Ltd., and the last position he held was Head of the Wholesale Leasing and Hire Purchase Division. He joined the Bank in 1994 as a Relationship Manager in the Corporate Banking Department, and over the years was promoted to the Head of the Corporate Banking Department. In June 2013 he was appointed as Chief Risk Officer, and today is the CCO of the Bank. In addition, Mr. Tata is a Director on the Board of the International Asset Reconstruction Co. Pvt. Ltd (IARC), HDBFSL and a Trustee on the HDB Employees Welfare Trust.

Mr. Rakesh Kumar Rajput has been the Group Chief Compliance Officer at the Bank since October 2023. He has also been designated as Group Chief Compliance Officer, having overall responsibility for developing and maintaining the Group Compliance Policy, maintaining oversight of the activities of the Compliance Function of Group Entities and the Compliance Risk Management Framework across the Group. In his role as Chief Compliance Officer of the Bank, he is responsible for the design and maintenance of the Bank's compliance framework, ensuring the effectiveness and integrity of the compliance process with appropriate and detailed monitoring of the adherence to the Bank's Compliance Policy, its minimum standards and the legal and regulatory standards applicable to the Bank. As Chief Compliance Officer, Mr. Rajput is responsible for: (i) ensuring that the compliance framework encompasses the compliance risk management processes and tools that must be used by the Bank's businesses, management and compliance functions to manage the compliance risks emanating from their respective businesses, products and operations; and (ii) giving adequate assurance on compliance risk management to the Audit Committee, the Board of Directors and the Managing Director and CEO of the Bank. Mr. Rajput joined the Bank in May 2022 and worked in the Compliance function as Deputy Chief Compliance Officer before becoming the Chief Compliance Officer of the Bank. He has 30 years of experience, of which 26 years were with the RBI. During his tenure with the RBI, he worked in the Department of Banking Supervision, the Financial Inclusion and Development Department, the Department of Information Technology and the Human Resource Development Department (HRDD) at the RBI's Central Office, as well as served as Head of HRDD at the RBI's Regional Office. In his last assignment with the RBI, he held the position of General Manager, Department of Banking Supervision in Mumbai. Mr. Rajput holds a Bachelor of Science (with honors), is a Certified Associate of the Indian Institute of Bankers, and holds an advanced diploma in business management.

Mr. Ramesh Lakshminarayanan is the Chief Information Officer at the Bank, and he is responsible for taking the Bank's technological transformation journey to the next level. His role cuts across verticals at the Bank. He is responsible for technology strategy, strengthening foundational technology, enhancing the digital capabilities and harnessing new age artificial intelligence and machine learning technology solutions for the Bank. Ramesh joins the bank from CRISIL, where he spent three years as Chief Technology and Information Officer. In this role, he was responsible for the transformation of CRISIL's business by leveraging technology, data and analytics. Prior to joining CRISIL, he worked at a big data and analytics start up, Pregmatix Services Pvt Ltd., that he co-founded and which was acquired by CRISIL in 2017. Mr. Lakshminarayanan is an industry veteran with over 25 years of experience. He has held leadership positions within organizations such as Citibank, ABN AMRO Bank and Kotak Mahindra Group. Mr. Lakshminarayanan holds a bachelor's degree in physics from Mumbai University and an MBA from the University of Pune.

Mr. Srinivasan Vaidyanathan is the Chief Financial Officer. He is a commerce graduate, a Fellow of the Institute of Chartered Accountants of India, a Fellow of the Institute of Cost Accountants of India, a Fellow of the Association of International Accountants, United Kingdom, a member of CMA, United States, and he has a master's degree in business administration. He has over 30 years of experience in the financial services industry. He joined the Bank from Citigroup in 2018.