Board of Directors

Dr Meena Hemchandra.Member of KVB's Board of Directors

Dr Meena Hemchandra M.A., (Economics), Ph.D.,(Economics), EDP on Advanced Risk Management for Leadership Roles - Wharton (USA), CFA (India), C.A.I.I.B. DIN: 05337181 Role: Non-executive Independent (Part-time) Chairperson Experience: Career Central Banker with 35+ Years of Experience & Retired Executive Director of RBI Sectorial Representation on the Board: Economics, Banking, Agricultural and Rural Economy, Finance & Business Management, Treasury Operations and Payments & Settlements System, Information Technology & Cyber Security, Risk Management & supervision and Business analytics (“Majority Sector”) Date of Appointment: May 26, 2022

Dr Meena Hemchandra is a career central banker with over 35 years of experience in various departments of Reserve Bank of India. She was Executive Director of Reserve Bank of India in-charge of Supervision of Banks, Non-Banking Finance Companies and Cooperative Banks from June 2015 till her superannuation in November 2017. Her earlier experience includes treasury management, having headed the Department of External Investment and Operations (a department that manages the country’s forex reserves) between 2005 and 2011. She also has expertise in foreign exchange regulations having worked in the Foreign Exchange Department at various points in her career. She has in-depth understanding of corporate governance and corporate balance sheets having worked in departments relating to large corporate finance, supervision over banks and from her long board tenures. Her Board experience of over nine years includes Reserve Bank of India nominee directorship on the Boards of Union Bank of India, Canara Bank and ECGC. She also held directorial positions with Suryoday Small Finance Bank Limited and CFM ARC Pvt. Ltd post retirement. Presently she is an independent director on the Board of Clearing Corporation of India Limited.

She has strong skills in IT governance having established the ‘Standing Committee on Cyber Security in Banks’ in RBI and being its first Chairperson. She oversaw the framing of RBI guidelines on cyber security in June 2016.

She had also been the Principal of the Reserve Bank’s College of Agricultural Banking organising training courses in Agriculture and Rural Credit, Co-operative Banking, Financial Inclusion, Financial Literacy etc.

She advises on banking sector regulation, financial matters and cyber-security/IT governance in banks.

Dr Meena Hemchandra holds Bachelor of Arts (Economics) from Calcutta University; Master of Arts (Economics) from Madurai Kamaraj University; PhD in Economics from Gokhale Institute of Politics and Economics, Pune (Thesis-‘An Early Warning Framework for Financial Stress’). Her executive education includes EDP on Advanced Risk Management from Wharton (USA), CFA (Chartered Financial Analyst) (India), CAIIB. Diploma in C++ Programming from CMC, and 1-year PG programme (online) in Data Science and Business Analytics (University of Texas-Austin/Great Lakes Institute-Delhi).

She was appointed as Non-executive Independent (Part-time) Chairperson of the Bank for a period of three (3) years from the date of taking charge as approved by Reserve Bank of India. She had taken charge on 25th July 2022.

Shri B Ramesh Babu.Member of KVB's Board of Directors

Shri B Ramesh Babu M. Com., (with specialization in Banking); C.A.I.I.B., Diploma in International Factoring” by Factors Chain International, Netherlands. DIN: 06900325 Role: Managing Director and Chief Executive Officer Experience: An astute Banker with four decades of all-round experience. Sectorial Representation on the Board: Accountancy, Banking, Human Resources, Payments & settlements systems, Strategic Planning and Treasury (“Majority Sector”) Date of Appointment: July 29, 2020

Shri B Ramesh Babu is a Strategic planner with comprehensive managerial acumen, offering varied experience in Banking and excelled in every assignment creating high performance organization through various successful HR initiatives and Relationship Management. He has deeper Analytical skills, Managing Crisis effectively, Strong abilities for goal setting, executing result oriented strategic initiatives even under high stress scenarios and tight timelines. He is a Post Graduate in Commerce from Andhra University, Waltair and a Certified Associate of the Indian Institute of Bankers. He has expertise in “International Factoring” with hands on experience in handling Payment and settlement systems and passed with Distinction “Diploma in International Factoring” conducted by Factors Chain International, Netherlands.

Prior to joining the Bank as MD & CEO, he was Ex-Deputy Managing Director & Chief Operating Officer in State Bank of India and has experience of developing and overseeing the Retail Business and Banking Operations for more than 21,000 retail branches and 1,20,000 other touch points of the Bank (ATMs/ Customer Service Points) successfully. He has extensive experience in redressing pain-points in Customer Service related areas and furthering Financial Inclusion by actively leveraging the services of Business Correspondents in SBI.

He actively involved in Direction setting and Policy formulation by participating in various apex committees of State Bank of India. He has successfully headed the whole business and operations of 1,300 Branches of Chennai Circle of SBI (Branches in Tamil Nadu and Pondicherry) for three years with excellent understanding of business dynamics and man management. He has also vast experience as a Director on the Boards of five Associate Banks of SBI and Invitee on to the Boards of Non-Banking Subsidiaries.

Dr K S Ravichandran.Member of KVB's Board of Directors

Dr K S Ravichandran M.Com., F.C.S., L.L.B., Ph.d., Diploma in Electronics & Radio Communication Engineering, and Diploma in Technology. DIN: 00002713 Role: Non-Executive Independent Director Experience: Expert in Company Laws, Securities Laws and FEMA etc., having around three decades experience as practicing Company Secretary and his areas of specialization include governance, Board process, corporate restructuring, and dispute resolution, IPRs, Mergers & Acquisitions and IBC etc., Sectorial Representation on the Board: Accountancy, Audit, Credit Recovery, MSME, Governance and Law (“Majority Sector”) Date of Appointment: May 26, 2016

Dr K S Ravichandran holds Masters in Commerce, Bachelors in Law, Fellow Member of the Institute of Company Secretaries of India, Diploma in Electronics and Radio Communication Engineering and Diploma in Technology. He was awarded doctorate from the Department of Management, Alagappa University on Prosecution of Directors under Company Law and Criminal Law in India & UK. He is the Founder and Managing Partner of M/s KSR & Co Company Secretaries LLP.

Specialist in Mergers, Acquisitions, Joint Ventures, Transaction Advisory Services, Insolvency and Bankruptcy Code, 2016 and Preparing, filing and arguing Cases before Tribunals such as Company Law Board, Intellectual Property Appellate Board, Competition Appellate Tribunal, Arbitral Tribunals. He regularly appears before the NCLT, the NCLAT and the IP Appellate Tribunal. Many cases argued by him have been reported in leading law journals. He was one of the long-time members of the Secretarial Standards Board of the Institute of Company Secretaries of India (ICSI).

He was a member of the expert sub-group constituted by MCA to study the Companies Act, 2013 provisions. He is a member of International Association for Protection of Intellectual Property Rights - AIPPI; also a member of INSOL International, a global organization of corporate insolvency professionals, Corporate and Banking Affairs Council of the Bangalore Chamber of Industry and Commerce and Chartered Institute of Arbitrators. He is nominated as the Chairman of ASSOCHAM’s Southern Regional Council on IBC for the States of Andhra Pradesh, Telangana, Tamil Nadu, Karnataka and Pondicherry. He is also a Member of the Society of Insolvency Practitioners. He has authored more than 1000 Articles and 9 books and addressed in more than 500 seminars, workshops and conferences.

Shri R Ramkumar.Member of KVB's Board of Directors

Shri R Ramkumar B.C.S., M.B.A (Human Resources). DIN: 00275622 Role: Non-Executive Non-Independent Director Experience: Having more than a decade of experience in Textile Business and also has a business interest in certain finance firms Sectorial Representation on the Board: Business Management, Finance and Human Resources (“Minority Sector”) Date of Appointment: June 25, 2018

Shri R Ramkumar hails from the promoter’s family. He has Completed Bachelor of Arts in Corporate Secretaryship (B.C.S.,) from Loyola College, Chennai and Masters in Business Administration (M.B.A.,) in Human Resources. He has rich experience in the business of textiles and export of home textiles. He has widely travelled overseas for his export business and also has a business interest in certain finance firms.

Shri K G Mohan.Member of KVB's Board of Directors

Shri K G Mohan B.Tech (Chemical Engineering) - IIT Madras Post Graduate Diploma in Industrial Engineering. DIN: 08367265 Role: Non-Executive Independent Director Experience: More than four decades of corporate working experience with large multinationals as well as independent technology professional post retirement. Sectorial Representation on the Board: Business Management, Cyber Security, MSME and Information Technology (“Majority Sector”) Date of Appointment: February 01, 2020

Shri KG Mohan is a senior Information Technology professional with hands on experience in business management and transformation exercise, strategic deployment and cyber security framework using technology in various business processes to organizations. He mixes sharp business sense and experienced leadership skills with international operating experience in strategic IT Business value delivery.

He is an IIT Madras alumni with a PGDIE from NITIE. He held varied global IT leadership positions at FMCG giant Unilever for 27 years and subsequently at Healthcare leader Johnson & Johnson for 4 years.

At Unilever he held the positions of VP IT, VP IT & CIO for South Asia / Africa and Global VP IT for Networking and Telecommunication. At J&J, he was the VP IT and CIO for Asia Pacific, working out of Singapore.

He was a Member of Asia Pacific Business Board for J&J Medicals and a Member of Global IT Leadership Teams at Unilever and Johnson & Johnson. He has led several business transformation exercises using technology, renegotiated global contracts, set up shared service facilities and developed global IT Teams across countries.

Currently, he is the Managing Partner of ASIMA Consulting LLP providing consulting inputs in the strategic deployment of technology to various organizations. He is also a Partner with Social Venture Partner Philanthropy Foundation and works for enhancing livelihood for the under privileged.

Expertise includes
- Transforming business by leveraging appropriate technology
- Developing IT Strategy and implementation roadmap
- Conceiving and setting up shared business processes and technology capabilities
- Partnering with CXOs to innovate business solutions
- Evaluating IT capabilities for due diligence in M&As
- Mentoring technology teams to enhance their impact.

Dr R Harshavardhan.Member of KVB's Board of Directors

Dr Harshavardhan R B.E., (Mechanical Engineering), M.B.A., - IIM Kolkata, M.S. (Quantitative Finance), Ph.D., (Business Economics & Strategy). DIN: 01675460 Role: Non-Executive Independent Director Experience: More than two decades of experience in Management Consultancy. Sectorial Representation on the Board: Strategic Planning & Risk Management, Business Management, Payments and settlements systems (“Majority Sector”). Date of Appointment: July 30, 2020

Dr Harshavardhan Raghunath is an Independent business advisor. He was Senior Advisor to leading international management consulting firm Bain & Company and led its financial services practice in India. He joined Bain in 2010 after spending over 14 years with other international consulting firms including the Boston Consulting Group and Arthur Andersen. He has also worked in the Banking industry for about 2 years as an analyst and trader. He has worked primarily in the financial services - Banking - retail and corporate, private banking and wealth management, insurance, asset management, etc., - where he has advised top management of companies in India, North America, Europe, South East Asia and Greater China, on issues of strategy, operations, organisation, risk management, etc. He has hands on experience in management consultancy and his key works include the areas of corporate finance, valuations, Banking/financial services operations viz; process reengineering, cost rationalisation, Business management and payment & settlement systems, etc., private equity and strategic investors, strategic due diligence, etc. He is also Board member of National Commodity Clearing Limited which is responsible for clearing and settlement services of all trades executed on the exchange and provide transparent risk management platform for the collective benefit of the agri-ecosystem.

He is actively involved in policy making related to financial services in India and was a member of the Banking Working Group of the Financial Services Legislative Reforms Commission (FSLRC) set up by the Government of India as well as the Dr. P J Nayak Committee on Governance in Banking set up by the RBI. He chaired the committee appointed by the RBI in 2019 to review securitization for housing finance. He has served on CII National Committees for Private Equity, Regulatory Affairs and Commodity Markets. He regularly contributes articles and is quoted frequently in business media on important sector issues.

He is a frequently invited speaker at conferences organised by Confederation of Indian Industries (CII), the Indian Banks Association (IBA), Indian Merchants Chambers, Reserve Bank of India (RBI), etc., as well as in business schools. He regularly contributes to articles in academic and business journals.

He has a Bachelor degree in Mechanical Engineering from VNIT Nagpur followed by an MBA from IIM Kolkata, and an MS in Quantitative Finance and PhD in Business Economics & Strategy from the Smith School of Business at the University of Maryland USA.

Shri Murali Ramaswami.Member of KVB's Board of Directors

Shri Murali Ramaswami B.Com., M.B.A., AICWA., C.A.I.I.B., DBF(ICFAI). DIN: 08659944 Role: Non-Executive Independent Director Experience: Seasoned banker having wide experience for more than 30 years. Sectorial Representation on the Board: Banking, Credit, Finance, Accountancy, Marketing, Payments & Settlements System, Information Technology and Treasury Operations (“Majority Sector”) Date of Appointment: June 14, 2022

Mr. Murali Ramaswami is a seasoned banker having wide experience for more than 30 years. He started his career in 1984 and he was involved in various facets of Banking sector essentially in Credit, Treasury, International Operations, Cash Management, Integration Management, Digital Banking and Information Technology Initiatives. He started his career in banking domain with Vijaya Bank, during the span of 30 years in Vijaya Bank, he rose to the position of Executive Director. In his career at Vijaya Bank, he held important positions in Credit, Operations and also as CFO of the bank. He has also worked as an Executive Director in Bank of Baroda during the year 2019-2020. He served as a nominee director in M/s India Infra Debt Ltd and M/s BOB Capital Markets Ltd during his tenure in Bank of Baroda. Mr. Murali Ramaswami is well versed with all areas of Banking Sector. He is advisor to M/s Chartered Finance Management Private Limited.

Mr Murali Ramaswami is a B.Com graduate from Madras University, AICWA from the Institute of Cost & Works Accountants of India, DBF from the Institute of Chartered Financial Analysts of India, CAIIB from the Indian Institute of Bankers, MBA from University of Madras - Specialized in Corporate Finance, Foreign Trade & Market research.

CA Chinnasamy Ganesan.Member of KVB's Board of Directors

CA Chinnasamy Ganesan B.Com., FCA., DISA (ICAI). DIN: 07615862 Role: Non-Executive Independent Director Experience: Chartered Accountant having more than 34 years of experience in the area of audit. Sectorial Representation on the Board: Accountancy & Finance, Information Technology & Cyber Security, Audit & Taxation. (“Majority Sector”) Date of Appointment: April 25, 2023

CA Chinnasamy Ganesan is a Chartered Accountant having more than 34 years of experience in the area of audit. He handled Indian and multi-national clients in automotive, auto ancillary, IT/ ITES, BPOs, KPOs, telecom, industrial markets, consumer markets, pharma/ healthcare, transport/ logistics, shipping management, BSRE, oil and gas, plantation, banking, financial services and insurance sector. He was the lead partner for many Indian and multi-national companies and carried out audits, advisory on international financial reporting, taxation, due diligence and other assurance services.

CA Chinnasamy Ganesan has more than 25 years of extensive knowledge and experience in carrying out bank audit and in training bank officials in financial reporting. He specialises in Financial Reporting (including Ind AS, IFRS and US GAAP), Company law matters, audit and taxation and was conferred Honorary Doctorate (“honoris causa”) in International Financial Reporting Standards for his extensive contribution to Ind AS and IFRS by a renowned foreign university.

He is an active resource person for Regional Training Institute of Comptroller and Auditor General of India, Staff training college of Indian Bank, Indian Overseas Bank, Reserve Bank of India and several other banks. He was an Independent Director in board of directors of RailTel Corporation of India Limited, a Mini-Ratna Public sector undertaking under the Ministry of Railways.

Shri R Vidhya Shankar.Member of KVB's Board of Directors

Shri R Vidhya Shankar B.Com., B.L. DIN: 00002498 Role: Additional Director under Independent Category Experience: More than three decades of standing experience in Corporate/ General Civil Laws. Sectorial Representation on the Board: Law, Credit Recovery, Co-operation & Rural Economy and MSME (“Majority Sector”) Date of Appointment: April 22, 2024

Shri R Vidhya Shankar holds a Bachelor of Commerce and Bachelor of Law degree from Bharathiyar University, Coimbatore. He is a Gold Medalist and holds the record for a very rare first class in Law at Bharathiyar University. He is the senior partner of M/s Ramani & Shankar, one of the oldest Law Firms in Western Tamil Nadu and much sought after lawyer in western Tamil Nadu for corporate litigations, transactions and opinions.

He specialises in Corporate Law, including in corporate transactions, corporate restructuring, schemes and arrangements, corporate litigations, domestic and international arbitrations, capital market, FEMA compliances, cross-border transactions and general corporate advisory services.

He has more than 100 reported decisions in the field of corporate law to his credit.

Currently he serves as Independent Director on the Board of Pricol Limited, and Board of L.G.Balakrishnan & Bros Limited. He is also a Governing Council member of the Chamber of Commerce, Coimbatore, and Executive Committee Member of the Planters Association of Tamil Nadu.

He is regular speaker at the seminars and workshops of Bar Association, Chambers of Commerce and professional Institutes.













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