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Board of Directors

Saurabh Agrawal

Chairman (Non-Executive Director)


Farokh Nariman Subedar

Non-Executive Director


Varsha Purandare

Independent Director


Malvika Sinha

Independent Director


Aarthi Subramanian

Non-Executive Director

Ms. Aarthi Subramanian is the Group Chief Digital Officer at Tata Sons Private Limited, the holding company. She leads the Group Digital team which works with Tata companies to drive greater ‘Digital’ quotient across their organisations and bring greater rigor and efficiency to the operations.

Ms. Subramanian, a professional with over 30 years of experience in the technology sector, started her career as a graduate trainee in Tata Consultancy Services Limited (“TCS”) in 1989 and went on to become an analyst, project manager and then moved from Account Management roles to a Senior Executive role in TCS. She worked in diverse roles in India, Sweden, the US and Canada, thereby gaining rich experience in consulting engagements and management of large-scale technology programs as well as operations.

At TCS, she was an Executive Director and Global Head of Delivery Excellence, Governance & Compliance, responsible for driving excellence in service delivery, governance of transformation programs & strategic initiatives as well as enterprise-wide risk and compliance.

Ms. Subramanian holds a B.Tech in Computer Science from National Institute of Technology, Warangal (India) and a Masters in Engineering Management from the University of Kansas (USA).


Rajiv Sabharwal

Managing Director & CEO

Leadership Team

Rajiv Sabharwal

Managing Director & CEO


Rajiv, a B. Tech from IIT Delhi and PGDM from IIM Lucknow, has over 26 years of experience in the banking and financial services industry. Rajiv is currently the Managing Director & CEO of Tata Capital Limited. He is also the Chairman of Tata Capital Financial Services Limited, Tata Capital Housing Finance Limited and Tata Securities Limited and is also on the Board of Tata Cleantech Capital Limited, Tata Capital Pte Ltd. and Tata Realty and Infrastructure Limited.


Rajiv is currently the Managing Director & CEO of Tata Capital Limited. He is also the Chairman of Tata Capital Financial Services Limited, Tata Capital Housing Finance Limited and Tata Securities Limited and is also on the Board of Tata Cleantech Capital Limited, Tata Capital Pte Ltd. and Tata Realty and Infrastructure Limited.
He has served as an Executive Director on the Board of ICICI Bank where he was responsible for several businesses including retail banking, business banking, rural banking, financial inclusion, technology and digital banking.  He has also served as the Chairman of ICICI Home Finance Company Limited and was on the Board of ICICI Prudential Life Insurance Company Limited. He was also on the Investment Advisory Committee (Real Estate) of ICICI Prudential AMC.

Rajiv has been widely acknowledged and credited for his contribution to the growth of the Retail Banking and Real Estate & Housing Finance market in India.

He also has experience in both Venture Capital and Growth Capital investing, through stints at both Sequoia Capital and True North. He has also been on the Board of a number of early stage and growing companies in the Financial services space.

He has also served on a number of RBI and IBA committees.

Rajiv has also had successful stints with the Godrej Group, SRF Finance, GE Capital and Times Bank.


Sarosh Amaria

Managing Director


Mr. Sarosh Amaria is the Managing Director of Tata Capital Financial Services Ltd.

Mr. Amaria has rich experience of over 23 years with the Tata Group, having joined one of its flagship companies, Tata Motors.

He has played different roles during his journey, prominent amongst which are his role in treasury team of Tata Motors and his international assignment as Head of Treasury and Business Planning at Tata Daewoo, South Korea. In 2007,

Mr. Amaria joined Tata Capital as part of its founding team and played a significant role in setting up and growing Commercial and SME Finance Division (CSFD), catering to a wide spectrum of customers such as SMEs, mid-market companies, large corporates and PSUs. Till recently,

He was the Chief Operating Officer of CSFD, managing a book in excess of Rs. 25,000 crores. 

Mr. Amaria, a Commerce Graduate with Masters in Management from Mumbai University, is also a Fulbright Scholar from Carnegie Mellon University.


Anil Kaul

Managing Director


Anil Kaul is the Managing Director of Tata Capital Housing Finance. He has spent over 2 decades in the financial services sector with extensive experience in the retail lending business. He has held senior management positions at ICICI Bank, ICICI Lombard, Citibank N.A., Standard Chartered Plc. Anil Kaul holds an MBA in Finance from the University of Lucknow.


Manish Chourasia

Managing Director


Manish Chourasia has over 20 year experience in origination, credit risk assessment and syndication in Asia-Pacific Region. As part of the above mentioned functional categories, he has handled various products covering project finance, mezzanine finance, acquisition finance, credit derivatives etc.


Abonty Banerjee

Chief Digital & Marketing Officer


Abonty Banerjee is Chief Marketing and Digital Officer at Tata Capital. She is leading the Digital, Analytics, Brand Marketing and Corporate Communication at Tata Capital and comes with a rich background in banking, financial services and Market Research. Abonty in her previous role has worked with Ernst & Young, ICICI Bank & Neilsen in Digital Strategy and Innovation, Platforms and Products.


Avijit Bhattacharya

Chief Human Resources Officer


Avijit joined The Tata Group in 1996 as a TAS Officer in Tata Administrative Services and has worked on various assignments in the areas of automotive and financial services. Currently Avijit is the Chief Human Resources Officer (CHRO) at Tata Capital. As CHRO, Avijit oversees all aspects of People Management, Infrastructure & Administration, Safety and Corporate Social Responsibility. Avijit was the founding CEO of Tata Cleantech Capital Limited (TCCL), a joint venture between Tata Capital Limited and The International Finance Corporation, Washington from 2012-2015. TCCL is a specialized lender for Renewable Energy Projects, Water Management Projects and Energy Efficiency Projects. Prior to TCCL, he was the founding CEO of Tata Securities Limited (TSL) from 2007 to 2012. The primary businesses of TSL are Equity Broking, Investment Banking and Distribution. Both TCCL and TSL are subsidiaries of Tata Capital Ltd. of which Avijit was one of the founding members. Prior to Tata Capital, Avijit worked with Tata Motors Ltd, the leading automobile manufacturer of India, from 2003 to 2007 in the Passenger Car Business and Corporate Finance. From 2003-2005, he was Head - Systems & Process and Business Excellence for the Passenger Car Business (PCBU) and Engineering Research Center (ERC) and was a member of the office of the Executive Director - PCBU & ERC. Thereafter Avijit moved to the office of Executive Director - Finance & Corporate Affairs as DGM - Corporate Affairs looking after Mergers and Acquisitions and Subsidiary Relationships. As a TAS Officer, Avijit was involved in various assignments like the Launch of the Tata Indica, setting up of an online equity trading portal and retail broking business for Tata TD Waterhouse Securities and setting up of Concorde Motors, a captive car dealership chain. Avijit is a B.Tech from IIT - Kanpur and MBA from IIM - Bangalore. He is a Fulbright Scholar, having undergone the Fulbright Program at the Carnegie Mellon University, USA. Avijit was recognized as a Young Leader by the British High Commission in 2013.


Rakesh Bhatia

Chief Financial Officer


Rakesh Bhatia is currently the Chief Financial Officer at Tata Capital. He has over 25 years diversified experience in Financial Services, Information Technology & Manufacturing Companies. During his career, he has led teams in India and International Markets in Business, Finance, Treasury, Taxation, Risk & Consulting. Rakesh in his previous roles has worked with American Express, Oracle, Yamaha, Tu