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Shri. B.P. Kanungo
Shri. B.P. Kanungo
Director

Shri. B.P. Kanungo joined as the Director of CAFRAL on September 20, 2021.

He was previously Deputy Governor with the Reserve Bank of India looking after the Department of Currency Management, Department of External Investments & Operations, Department of Government & Bank Accounts, Department of Information Technology, Department of Payment & Settlement Systems, Foreign Exchange Department, Internal Debt Management Department, Legal Department and Premises Department.Shri Kanungo, a career central banker, joined the Reserve Bank of India in September 1982. He has worked in several functional areas of the bank including banking & non-banking supervision.

He headed the regional offices of the Reserve Bank at Jaipur and Kolkata besides holding the position of the Banking Ombudsman for...

Smt. Indrani Banerjee
Smt. Indrani Banerjee
Additional Director, Learning and Administration

Indrani Banerjee is the Additional Director responsible for the Learning activities at CAFRAL. Prior to joining CAFRAL, she was Executive Director, Reserve Bank of India where her responsibilities spanned the areas of financial market regulation, foreign exchange management, external investments & operations, and legal.

As a part of senior management, her experience encompassed banking regulation, supervision of commercial banks and foreign exchange reserves management. She has also worked in the Monetary Policy Department of the Bank.

While at RBI, she headed several important committees such as the Taskforce for Urban Cooperative Banks and Standing Committee on Currency Management. She had represented the Bank in domestic and international fora on matters including External Audit and Leadership Imperatives...

Shri. Diwakar Gupta
Shri. Diwakar Gupta
Senior Advisor (Research)

Shri. Diwakar Gupta is Senior Advisor (Research) at CAFRAL. Shri. Gupta superannuated from State Bank of India, India’s largest bank, with about 39 years of experience in various top executive/ senior management positions. He demitted office as Managing Director and Chief Financial Officer, SBI in 2013. 

Subsequently he worked for two years as Senior Advisor (Banking Project) in Aditya Birla Nuvo Ltd., Mumbai. Later Shri. Gupta worked as Vice President at Asian Development Bank, Manila. As Vice President, he oversaw the private sector and PPP operations of the Bank and participated in the Bank’s broader corporate initiatives like launching and operationalizing the biometric based National ID system of Philippines (akin to Aadhar), creating ADB Ventures, a...

Shri. Pramod Kumar Panda
Shri. Pramod Kumar Panda
Senior Program Director

Mr. Pramod Panda is currently associated with CAFRAL’s learning activities as Senior Program Director. He is a career central banker, specializing in financial regulation, supervision and inclusion. He holds a Masters’ Degree in Financial Regulation from London School of Economics and Political Science, UK. As General Manager and Chief General Manager at the Department of Banking Supervision (DBS), Central Office of RBI he has led projects for implementation of Risk Based Supervision , Pillar 2 of Basel II, Financial Conglomerate Supervision and cross border supervision and supervisory cooperation. He has been a member of the Task Force that advised the Accord Implementation Group of The Basel Committee on Banking Supervision (BCBS) in finalizing the Good Practice Principles on...

Dr. Nirupama Kulkarni
Dr. Nirupama Kulkarni
Senior Research Director

Dr. Nirupama Kulkarni is Senior Research Director at CAFRAL. She is an applied empirical economist and her research interests include corporate finance, banking, household finance, real estate and monetary policy. Her recent work focuses on the role of government policies in the financial and housing market and its implications. Her research looks at how government regulation can stack the odds against private market competition and the implications of government policies aimed at increasing homeownership.

Nirupama has an undergraduate degree in electrical engineering from IIT Bombay, an MBA from Stern School of Business, New York University and a Ph.D. in business administration (finance and real estate) from Haas School of Business, University of California, Berkeley. She has been the recipient of the...

Smt. Sunita S Ratanpal
Smt. Sunita S Ratanpal
Senior Administrative Officer

Sunita joined the Centre for Advanced Financial Research and Learning (CAFRAL), Mumbai as Senior Administrative Officer in November, 2021. She superannuated as General Manager from Reserve Bank of India, in January, 2021. She has more than 32 years of experience in working in various departments of the Reserve Bank including DEIO, DGBA, and FED.

She has been previously associated with CAFRAL between 2011-14, while on deputation from RBI as DGM/GM. She was responsible for the overall administration and also worked as a Program Director. Prior to that she was closely associated with core team that setup BCSBI and formulated the Code of Banks Commitment to Customers and Code of Bank’s Commitment to Micro and Small Enterprises. She...

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