About Us

Balachandran Muthusamy, has been a career banker for 37 years. He worked in India and abroad for over 33 years in Bank of Baroda, lastly as Chief Executive for the bank’s American operations at New York.

Thereafter, he headed Bank of India and superannuated as its Chairman and Managing Director in 2007 and subsequently Institute of Banking Personnel Selection and retired in 2012. He specialised in Agriculture and SME, Corporate and International Banking and Human Resource Management.

He was instrumental in founding the Star Union Dai Ichi Life Insurance Co., a joint venture between Bank of India, Union Bank and Dai Ichi life insurance Co of Japan and was its founder Chairman for 3 years till 2011.

He was also ex-officio Chairman of - BOI Shareholding Co. and Bank of Baroda (Guyana) Inc. (South America) and Director on the boards of Indo Zambia Bank Ltd., Nabard Consultancy Services and Agricultural Finance Corporation Ltd., Small Industries Development Bank of India (SIDBI). He conceptualised and founded "Abhay" BOI sponsored Credit counselling Centre, the first of its kind in the country.

During his tenure, BOI expanded its overseas network by adding Beijing and upgrading Schenzen branches in China, Antwerp in Belgium, acquired majority stake in Bank Swadesi in Indonezia and secured licenses for subsidiaries in Tanzania and South Africa.

He was on the special committee set up by Govt. of India for making Mumbai as International Financial Centre, member of High Power Advisory Committee of SEBI on Consents and Compounding., and member of R&D Advisory committee of National Housing Bank (NHB). He was also on the Boards of Chartered Financial Management Ltd. as Independent Director and PNB MetLife Insurance as Nominee Director of Punjab National Bank.

Other committees where Mr. Balachandran was associated are - Chairman, Committee for Review of Depositories System in India (SEBI); Chairman, Expert Group for Merger of Urban Co-op. Banks (RBI); Trustee, DHAN Foundation, Member of External Advisory Committee of RBI for screening of applications for Small Finance Banks.

Mr. Balachandran has actively participated in several National and International seminars and conferences as speaker and panelist.

Born in 1947, he is a Post Graduate in Agricultural Sciences and Certified Associate (I) of Indian Institute of Bankers and lives in Chennai.

Ramratthinam.S , has over 32 years of experience in the retail lending space having worked with Private Banks, NBFCs and HFCs. He has earlier worked with Organisations like Sundaram Finance, Centurion Bank of Punjab, Dewan Housing Finance Corporation, Muthoot Homefin (India) Limited and Indusind Bank.

He has rich and extensive experience in Sales, Distribution, Product and Policy formations, Credit Underwriting, Portfolio/Risk Management, Treasury Management, Collections and Operations. Has led initiatives towards implementing end to end digital suite for various Organisations to help improve productivity.

His last assignment was with Indusind Bank as Head of Affordable Home Loans and Micro Lap.

He is a Science Graduate from Madurai Kamaraj University and has Leadership and Change management (IIM Ahmedabad) , Enterprise Risk Management for Creating Risk Oriented Organisation from FORE School of Risk Management and Enterprise Leadership in a VUCA World from INSEAD,France certifications.

He is married to Sudha, a Home maker and has a daughter Srilaxmii who is pursing MBBS.

Mr.Rajendran, has over 3 decades of experience in core banking working in areas such as resources mobilization, creation of assets and monitoring, asset recovery, branch and controlling office administration including overseas banking in Singapore.

He has lastly served as the Executive Director of Repco Bank.

Mr. Devendiran, an established and a successful entrepreneur graduated from Anna University. He is the proprietor of DCC Constructions specialized in community housing.

He has 3 decades of experience in banking.He was the, “Officer Director” - December 2010 - DEC 2017 . He was a part of Risk Management and HR board committees of Canara bank.

TRADE UNION CREDENTIALS (Previous)

General Secretary – All India Nationalised Bank Officers’ Federation

General Secretary – Canara Bank Officers’ Association

Senior Vice President – All India Bank Officers’ Confederation

President – Canara Bank Officers’ Thrift & Credit Society Ltd.

Mr. Ganesan K. I A S ( Retd) was a senior bureaucrat and retired as Additional Chief Secretary to Government of Tamilnadu after holding several senior positions likeChairman & Managing Director of public sector undertakings, notably TamilnaduUrban infrastructure Finance Corporation Ltd. He is a retired IAS officer.

Mr Ganesan brings with him multifaceted experience from administration, governance, public finance and socio economic initiatives.

Mr Ganesan holds Masters degree in Law from University of Madras and Masters inEconomics from Bradford University, U K .

Mr Nagappan Valliappan is an experienced Financial Advisor and Consultant with more than 2 decades of experience in capital markets and BFSI Sector.

He is currently on the Board of Interconnected Enterprise Ltd, Mumbai and has served as Independent Director on the Boards of State PSUs like TIDCO, TamilNadu Power Finance and Infrastructure Development Corporation Ltd, TamilNadu NewsPrints and Papers Ltd ( a Listed Entity ), erstwhile Madras Stock Exchange and MSE Financial Services Ltd in the recent past.

He is currently the President Elect of the 75 year old Hindustan Chamber of Commerce, Treasurer of the 98 year old Vidyodaya School Society and Founder Member of the Theosophical Education Society which runs the Adyar Theosophical Academy. He is also on the Board of Studies of Madras University in their Commerce Department as well as their Economics Department.

He was the Chairman of Federation of Indian Stock Exchanges, a Member of the SEBI”s Secondary Markets Advisory Committee – SMAC and President of the Securities & Time Share Owners Association ( STOWA ) in the past.

He has written a series of articles on Capital Markets, Personal Finance, Savings, Investments, Tax Planning, Retirement Planning, Portfolio Management, Derivatives Trading, Commodities Trading in popular magazines - the collection of which are published as seven books.

Dr. R. Bhaskaran is an experienced banker who has worked in NABARD for more than 25 years and was also the CEO of Indian Institute of Banking & Finance for more than 10 years. He was a member in various Boards such as Board of Supervision of NABARD, Financial Technical Committee of Financial Accreditation Agency (FAA) Malaysia, Independent Director and Chairman Audit Committee DRUKPNB bank Bhutan, Director M.Cril, Member Advisory Committee of NAFSCOB, Director NCDEX Spot Exchange Ltd and few more. He has authored various books in the fields of banking and finance. Presently he is a Consultant Advisor to a major NBFC on L&D for Compliance and reputation risk which involves process mapping and establishment of SOP.