Dilip Vaitheeswaran

Bandhan Bank Appoints Shyam N Agrawal as Regional Head North-II & Product Champion. In a significant leadership move, Bandhan Bank, one of India’s fastest-growing private sector banks, has appointed Shyam N Agrawal as Regional Head North-II and Product Champion. This marks a decisive step in accelerating Bandhan Bank’s regional expansion and strengthening its nationwide commodity finance portfolio under its principle, “Aapka Bhala, Sabki Bhalai.” 1. Two Decades of Leadership – With 20+ years across financial services and pharma, Shyam has held leadership roles at Finova Capital, ICICI Bank, Bluecross Lab , and Bestochem Formulations, and began his career as a Marketing Executive at Ipca Laboratories Limited 2. Proven Commodity Expertise – His track record in structured commodity finance and product development positions him to scale innovative financial solutions for diverse customer needs. 3. Academic Strength – Dual MBAs in Finance and Management plus a B.Sc in Computer Science provide a robust analytical and strategic foundation. 4. Regional & National Impact – Expected to accelerate Bandhan Bank’s northern region growth while driving nationwide commodity business expansion. This isn’t just a leadership appointment — it’s a growth catalyst for Bandhan Bank’s mission of meaningful financial inclusion. Is this the momentum private sector banking needs to unlock India’s next wave of inclusive growth? #Leadership #Banking #FinancialServices #AgriFinance #BusinessGrowth #CareerMoves #RegionalGrowth #CommodityFinance #FinancialInclusion #PrivateBanking #InnovationInBanking #StrategicLeadership #FutureOfFinance #BandhanBank #InclusiveBanking

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Brick-by-Brick: Rethinking Affordable Housing Finance for All At the ET Edge NBFC Leadership Conclave 2025, Mr. Deepak Patkar, CEO & MD of SMFG India Home Finance, brought to the fore the critical role NBFCs play in advancing affordable housing for underserved communities. He shared how NBFCs like SMFG India Home Finance are: 1. Designing inclusive loan products tailored for informal income groups 2. Leveraging technology to simplify credit assessment and speed up disbursals 3. Navigating funding challenges post-IL&FS through innovative capital strategies 4. Supporting government-backed initiatives like PMAY to widen housing access   Mr. Patkar emphasized the need to keep evolving lending models to better serve the real India — ensuring that access to housing finance becomes more seamless, scalable, and inclusive. #SMFGIndiaHomeFinance #AffordableHousing #NBFCLeadership #FinancialInclusion #EdgeConclave2025 #NayiAshaNayaVishwas #HousingForAll

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Megha Bhatia, Head - Collections at HDB Financial Services , shares her perspective on why women entrepreneurs need tailored loan products and how lenders are stepping up to meet their unique needs. Link: https://lnkd.in/dE-3quWQ #BeyondTheBoardroom #WomenEntrepreneurs #BusinessLoans #FinancialInclusion #HDBFinancialServices #EmpoweringWomen #ReimaginingOpportunities #HDBFS

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Diversification in Mortgages – A Lesson from the Ground. Working closely on the ground has taught me that no single product or segment stays consistent forever. Markets shift, customer needs evolve, and cycles turn. But a well diversified mortgage portfolio across geographies, income profiles and loan types creates both stability and opportunity for growth. When LAP slows down, affordable housing can hold firm. When metro demand softens, semi urban or rural markets often step up, and vice versa Diversification is not just risk management, it’s about building a growth mindset and staying future ready.

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The RBI has lowered the minimum qualifying asset requirement for NBFC-MFIs from 75% to 60%, a move that could reshape portfolio strategies of microfinance players. Here’s what our expert: Malvika Bhotika has to say. #CrisilRatings #RBI #NBFC #Microfinance

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IIFL Home Finance Appoints Mr. Girish Kousgi as Managing Director and CEO   IIFL Finance today said that its subsidiary IIFL Home Finance (IIFL Home Loans), one of the India’s leading affordable housing finance companies, has appointed of Mr. Girish Kousgi as its Managing Director and Chief Executive Officer, effective October 30, 2025. In his new role, Mr. Kousgi will be responsible for leading the Company’s entire business operations, including home loans, non-home loan segment, MSME loans, and construction finance. With his appointment, IIFL Home Finance aims to further strengthen its leadership position in the affordable housing finance segment and accelerate its growth trajectory across business verticals. Mr. Kousgi brings nearly three decades of leadership experience across the banking and financial services sector. He has a strong track record in driving business growth, managing large teams, and building profitable retail lending franchises. His expertise spans across asset and liability management, with deep domain knowledge in mortgages, SME and Agri finance, retail lending, and deposit products. Prior to joining IIFL Home Finance, Mr. Kousgi served as MD & CEO of PNB Housing Finance Limited and before that Can Fin Homes, where he led strategic transformations that strengthened profitability and operational efficiency. He has also held senior roles at Tata Capital Financial Services Limited, IDFC Bank Limited, and ICICI Bank Limited, managing diverse portfolios across sales, credit, product, and risk functions. With a deep understanding of both asset and liability management, Mr. Kousgi has demonstrated strategic acumen in areas spanning sales, product development, credit underwriting, risk, and operations. Speaking on the appointment, Mr. Nirmal Jain, Founder, IIFL Group, said, “We are delighted to welcome Girish to the IIFL Group. His vast experience and deep domain expertise in housing finance and retail lending come at an inflection point for the sector. With his strategic insight and our shared values of fairness, integrity, and transparency, I am confident that IIFL Home Finance will strengthen its foundation, expand responsibly, and create enduring value for customers and stakeholders.” Commenting on his appointment, Mr. Girish Kousgi said, "I am honoured to join IIFL Home Finance at a pivotal time for the housing finance industry, which is on the cusp of significant transformation and growth. I look forward to contributing to the Company’s mission of making housing finance more accessible and affordable for every aspiring Indian homeowner. With the continued momentum from initiatives like PMAY 2.0 and other government-led housing programs, we are well-positioned to offer tailored financial solutions to the EWS and LIG segments, helping more families realise their dream of owning a home." Nirmal Jain R Venkataraman Girish Kousgi IIFL Finance IIFL Home Loans

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Market Radar | "If RBI would've kept the provisioning norms same as last year, it would have been a ₹3.5 tn dividend," says Gaura Sengupta of IDFC First Bank as she opines on @RBI upping the contingency risk buffer Watch the full interview - https://lnkd.in/dxtzwcrZ Ayesha Faridi Vengsarkar Nikunj Dalmia Gaura Sengupta Times Network

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Challa Sreenivasalu Setty, Chairman of State Bank of India (SBI), has been appointed as the new Chairman of the Indian Banks`​ Association (IBA), the apex body representing India’s banking sector. With over three decades of experience in the financial industry, Setty’s leadership at State Bank of India has been instrumental in advancing banking reforms and digital transformation. His appointment, confirmed during the IBA managing committee meeting on March 28, 2025, positions him to drive key policy discussions and strengthen industry collaboration. He succeeds MV Rao, Chief Executive of the Central Bank of India, who previously held the role. With State Bank of India’s continued focus on innovation and financial inclusion, Setty’s leadership at the Indian Banks Association is expected to further enhance the banking sector’s role in economic development. The Indian Banks Association, with the active participation of State Bank of India, remains committed to advocating for policy enhancements, improving banking efficiency, and fostering a robust regulatory environment. Setty’s expertise will help shape industry reforms, ensuring sustainable growth and technological advancements in the sector. #ChallaSreenivasaluSetty #SBI #StateBankOfIndia #IBA #IndianBanksAssociation #BankingLeadership #FinancialReforms #DigitalBanking #EconomicGrowth #BankingInnovation #PolicyAdvocacy #Finance

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Microfinance Sector on the Mend 💡 It’s encouraging to see India’s microfinance sector showing signs of recovery. According to Sa-Dhan, the toughest phase for MFIs seems to be behind us, with asset quality stress gradually easing. Yet, the road ahead demands strong funding support — especially for institutions serving bottom-of-the-pyramid borrowers who rely on microcredit to sustain livelihoods. With the right ecosystem support, we can expect stability and renewed growth in the second half of FY 2025-26. The sector’s resilience continues to prove that financial inclusion isn’t just a policy goal — it’s a movement. 🌱 #Microfinance #FinancialInclusion #SaDhan #FundingSupport #InclusiveGrowth #IndiaFinance #RuralEmpowerment #LeadershipThoughts

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Not all recoveries are created equal.⁣ kanika pasricha, Chief Economic Advisor at Union Bank of India, highlights how large loans are on the rise while small borrowers are still reeling. Signals from India’s lending landscape hint at diverging financial realities. What lies behind the shift?⁣ ⁣ To know more, watch the full episode of 𝐇𝐨𝐰 𝐈𝐧𝐝𝐢𝐚 𝐋𝐞𝐧𝐝𝐬 powered by CRIF and CNBC-TV18 here - https://lnkd.in/dpCMQvJv ⁣ ⁣ #CRIF #EconomicDivide #HowIndiaLends #FinanceLeadership #IncomePyramid #UnionBank⁣

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With the RBI lowering the qualifying asset limit from 75% to 60%, MFIs gain greater flexibility to diversify their portfolios. This shift supports a healthier mix of secured and unsecured lending, paving the way for long-term stability and deeper financial inclusion. A constructive step toward balanced sectoral growth. #Microfinance #RBIUpdate #NBFCMFI #FinancialInclusion #SectorGrowth #MuthootMicrofin Sadaf Sayeed

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Our Joint CEO, Feroze Azeez 🇮🇳, joins anchor Deepak Dobhal on ZEE Business on the channel's topic of “RBI Rate Cut and Its Impact on Home Loans and Investments”. ▪️He explains how the 50 bps and lowering CRR by 100 bps presents a chance to shorten loan tenures and enhance long-term wealth through SIPs.  ▪️By simply redirecting EMI savings, investors may recover total interest outflow across 20 years. Watch the full discussion and align your investments with market momentum.

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Market swings, headlines buzz, but Sorbh Gupta, Senior Fund Manager, Bajaj Finserv AMC, prefers staying steady. At Bajaj Finserv AMC, he’s backing fundamentals, behavioral insights, and long-term megatrends over short-term noise. Catch his take on volatility, valuations, and why India may outshine the US and China: Stick to quality. Play domestic. Think long-term. Mutual Fund investments are subject to market risks, read all scheme related documents carefully. #BajajFinserv #BajajFinservAMC #AssetManagement #MutualFunds

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