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Mr. Motilal Oswal
Mr. Motilal Oswal is the Chairman and Managing Director of Motilal Oswal Financial Services Ltd.
(MOFSL). He is a Chartered Accountant and started the business along with co-promoter, Raamdeo
Agrawal in 1987.
Oswal has served on the Governing Board of the BSE, Indian Merchant’s Chamber (IMC) and has also
served on various committees of BSE, NSE, SEBI and CDSL. He is the President of the Jain
International Trade Organization (JITO) and has been awarded the Rashtriya Samman Patra by the
Government of India for being amongst the highest income tax payers in the country for a period
of 5 years.
For his work and contribution to the capital markets, Mr. Oswal has been felicitated with several
awards and accolades including:
‘Excellent Business Achiever in Financial Services’ Award by the Institute of Chartered
Accountant of India
‘Rajasthan Ratna Manav Seva’ Award by Manav Seva Trust
‘Special Contribution award to Indian Capital Markets’ Award by Zee Business
The Hall of Fame for Excellence in Franchising’ by Franchising World Magazine
‘Champion of Arthshastra’ by the Rotary Club
‘Durgadevi Saraf Puraskar’ by Marwadi Sammelan for extraordinary contributions in the field
of Trade & Industry
Samaj Ratna’ Award at the hands of Her Excellency President Smt. Pratibhatai Patil in
Mr. Oswal has authored two books of quotations on ‘The Essence of Business & Management’ and ‘The
Essence of Life’
Mr. Sanjay Athalye
MD & CEO
Sanjay has been in to Mortgage Finance Industry for more than two decades, he has varied
experience in SME, Home Finance, Infrastructure, Construction Finance and Micro Finance.
'Affordable Home Loans' has emerged in the last 3-4 years, and has become a niche industry in
itself. His definition to this industry - It's all about customer profile and not WEAK
Prior to joining AHFCL, he has worked with Indostar Capital as “Chief Risk Officer”. His domain
expertise is into Credit Risk, Operational Risk, Collections & Fraud Control, Compliance, Risk
Management, oversight on Market Risk etc. In his earlier stints, he has worked in several
leadership roles with Reliance Capital Limited, Centurion Bank of Punjab Limited, IDBI Bank
Limited, ICICI Bank & Reliance Telecom Limited.
He holds a Masters degree in commerce from Nagpur University. He is Certified Professional Coach
and Professional Trained Trainer.
Mr. Navin Agarwal
Mr. Navin Agarwal is the Managing Director of Motilal Oswal Financial Services Limited. He is
responsible for the Institutional Broking & Investment Banking Businesses and has been
building a market leading position in the Institutional Broking business. Under his leadership,
has been rated as The Best Indian Brokerage House by Asiamoney. Leveraging on the dominant
positioning in institutional business, he has also been instrumental in building an Institutional
Derivatives business when derivative products were introduced in the Indian markets. As a member
the board, Mr Agarwal believes in leveraging the core strengths of a strong brand, a vast
network and unmatched research capabilities and has been closely involved in strategizing and
reviewing all the other business of the MOFSL.
He started his career as a Senior Analyst with Insight Asset Management in 1994. In the year
was appointed the Head of Research & subsequently took up the additional responsibility of
Management in 1998. Mr. Navin Agarwal is affiliated with prestigious organizations like
Chartered Accountants of India, Institute of Cost and Works Accountant of India, Institute of
Secretaries of India and CFA Institute, Virginia.
He has also co-authored a Book ‘India’s Money Monarchs’ featuring interactions with India’s
investment managers. His hobbies are reading and travelling.
Mr. Raamdeo Agrawal
Mr. Raamdeo Agrawal is a Chartered Accountant and the Joint Managing Director of Motilal Oswal
Financial Services Limited (MOFSL) and also the co-founder of Motilal Oswal Securities Limited.
He is the man behind the strong research capabilities at Motilal Oswal Financial Services Ltd. A
keen believer and practitioner of the QGLP philosophy, his wealth creation insights and
decades-rich experience have played a pivotal role in MOFSL, transforming it from a small stock
broking firm to a well-diversified financial services company.
Mr. Agrawal is an Associate of Institute of Chartered Accountants of India and also a member of
the National Committee on Capital Markets of the Confederation of Indian Industry. He has
received the “Rashtriya Samman Patra” awarded by the Government of India for being amongst the
highest Income Tax payers in the country for a period of 5 years from FY95–FY99. He was also
conferred with the ‘Special contribution to Indian Capital Market Award’ by Zee Business in
Mr. Agrawal has been authoring the annual Motilal Oswal Wealth Creation Study since 1996. In
1986, he wrote the book ‘Corporate Numbers Game’, along with co-author, Ram K Piparia. He has
featured on `Wizards of Dalal Street on CNBC TV 18` and also compiled a book of investing
insights called ‘Wealth Creation Thoughts’.
Mr. Hemant Kaul
Mr. Hemant Kaul brings in rich experience in financial services industry having worked in
companies like Bajaj Allianz General Insurance Co Ltd (MD & CEO) and Axis Bank (Executive
Director). As an independent management consultant, Mr. Kaul has worked with private equity
firms to evaluate investments in the financial sector and has advised IDFC in their application
process for a banking license. He currently serves as a Non-Executive Chairman of TCI Finance
Ltd and is an Independent Director on the Boards of Cigna TTK Health Insurance Company Ltd,
Ashiana Housing Ltd.
Mrs. Smita Gune
Mrs. Smita Gune is finance professional with over 30years of experience in banking and financial
services industry having worked in Hinduja Hospital (Finance team), Tata Finance Ltd, ICICI
Bank. She was the nominee Director of Sakthi Sugars Ltd. and Arvind Brands Ltd and is currently
the director of business risk management at ANB – A risk management consultancy. Mrs. Gune is a
member of Institute of Chartered Accountants of India and Institute of Internal Auditors.
Mr. Sanjaya Kulkarni
Mr. Sanjaya Kulkarni is an engineer from IIT Mumbai and has done MBA from IIM Ahmedabad. He has
over 40 years of experience in banking and financial services industry. He is presently an
advisor and an investment committee member of the private equity funds and the real estate funds
of Motilal Oswal group
Mr. Gautam Bhagat
Mr Gautam Bhagat is finance professional with over 27 years of experience in banking and
financial services industry having served as a member of the Executive Management at Housing
Development Finance Corporation Ltd. (HDFC Ltd) till 2016. He have managed the Lending
Operations, Recoveries, raised resources and overlooked Regional Management and also served as
Chief Executive Officer of HDFC Sales Pvt Ltd.
Mr. Anil Nair
Deputy Managing Director
Mr. Anil Nair is a veteran of the housing finance industry with over 18 years of experience in
Business Development, Strategic Planning, Sales & Marketing and Key Accounts Management. Prior
to joining AHFCL Anil was with DHFL as Vice President & Zonal Head handling over 112 branches.
Anil has also been previously associated with ICICI Banks Mortgage Business, MIRC Electronics
(ONIDA) and Bata India. Anil is responsible for end – end delivery of branch performance across
clusters, regions and states which includes sales and operations.
Mr. Kalpesh Ojha
Executive Director & CFO
Mr. Ojha is a FCA, ACS and MFM. He has also cleared CIMA. He has over 20 years of extensive
Finance professional experience in fund raising in debt & equity from PEs, Banks, FIs and Debt
Capital market/ Fixed Income market (DCM).
He is also having hands on experience in Treasury management, investments, cash flow/ liquidity
management, cash management, transaction banking, securitization, financial planning and
control, budgeting/MIS, operations and audit. He has worked with NBFCs like RELIANCE CAPITAL,
SHRIRAM TRANSPORT FINANCE and CHHOLA MANDALAM FINANCE at various positions in finance and
treasury. His last stint was with Reliance ADA Group as Sr. Vice President
Mr. S. Y. Sankhe
Sr. Vice President - Legal & Company Secretary
Mr. Sankhe is post Graduate in Commerce and a member of Bar Council of Maharashtra and Goa. He is
also a fellow member of Institute of Company Secretaries of India and Associate member of Indian
Institute of Bankers.
Mr. S Y Sankhe has more than three decades of rich experience in Banking (Union Bank of India for
8 years), Legal, Secretarial and Finance in reputed listed companies. In his previous
assignment, Mr. Sankhe was with DHFL as Vice President – Company Secretary and Business &
Mr. Rajaram Manian
Chief Risk & Compliance Officer
Mr. Manian has completed his post-graduation in Management specializing in Finance and System
applications. He has also completed a gradation course in General Law. He has about 20 years of
experience in Risk Management in retail Asset financing especially in the space of Home Finance
and Corporate Finance.
He is a Risk professional specialized in setting up Risk Framework, Policy and automation of Risk
processes for Banks/NBFCs which includes BASEL Risk Management Implementation, Rating Assessment
Models, Anti Money Laundering, Rule engines, work-flow management, Operations Risk and Market
He was Head of Risk Solutions at IDFC Bank where he was part of setting up the Risk Solutions for
Retail and Corporate Banking. He was Head of Risk Management in Reliance Home Finance where he
used to manage Mortgage Loans – Home Loans, Home Equity, Construction Finance and Inventory
Funding. He has worked in organizations like Kotak Mahindra Bank (erstwhile ING Vysya Bank), GE
Money, ICICI Bank, Sundaram BNP Paribas and HDFC Ltd.
Mr. Rajesh Goyal
Head – Operations
Mr. Goyal is having an experience of 25+ years in operations. He is been associated with Motilal
Oswal group for 11 years. He has worked with Karvy, Birla and UTI. He joined AHFCL in 2017.
Mr. Tahir Shah
Head - IT
Mr. Tahir Shah brings in 19 years of rich technological experience in his current role at AHFCL.
He is responsible for end to end implementation of AHFCL technology platform. He plays a pivotal
role in providing comprehensive training of the lending application to the AHFCL staff gearing
them up for optimal use of the technology platform
Mr. Subodh Kuckian
Regional Business Head - Mumbai & Rest of Maharashtra
Mr. Subodh Kuckian is a banking professional with 18 years of experience in housing finance
sector and is the Zonal head of Mumbai and Rest of Maharashtra.
Prior to joining AHFCL, Mr. Subodh was associated with IDBI bank as Assistant General Manager &
Center Head – Home Loans, Mortgage Loans, Auto Loans and Educational Loans
Mr. Sachin Kotkar
Head - Insurance
Mr. Sachin Kotkar is a sagacious and result oriented marketing professional with 15 years of rich
and dedicated experience in Housing Finance and Insurance Services Industry. He is zealous and
adept in managing business operations with focus on top line & bottom line performances.
He has worked with reputed organizations like ICICI Prudential Life Insurance Company and ICICI
Home Finance across various levels. During his stint with his previous organizations, he has won
awards such as President Convention Trophy, Superstar and Rising Star award for his outstanding
Mr. Vivek Guleria
Head - Legal & Portfolio
Mr. Vivek Guleria has 14 years of experience in legal domain and corporate practices. He has
in-depth knowledge of legal aspects relating to finance, insurance, real estate and recoveries
In his last stint, he was Associate Legal Claims Head in Reliance General Insurance. Previously,
he has worked as Head – Legal initiation and recoveries at Mahindra Rural Housing Finance.