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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...

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...

Jyoti Kumar Pandey
Jyoti Kumar Pandey
Senior Program Director

Jyoti Kumar Pandey is the Senior Program Director currently associated with the CAFRAL’s Learning activities. Prior to joining CAFRAL he held positions as Regional Director of Punjab, Haryana, Himachal Pradesh and UT Chandigarh, Chief General Manager of Mumbai Regional Office and Chief General Manager of  Foreign Exchange Department, Reserve Bank of India, Central Office. As a Senior central banker having more than thirty years of experience he is having in-depth domain knowledge in areas of cross border capital and current account transactions and FEMA; regulation and supervision of banks / cooperative banks/ NBFCs; supervision and operation of Payment Systems and IT Controls.  He has also been a Member of Faculty of RBI’s College of Agricultural Banking,...

C. Sankaranarayanan
C. Sankaranarayanan
Senior Program Director

C. Sankaranarayanan is the Senior Program Director currently associated with the CAFRAL’s Learning activities. Prior to joining CAFRAL he worked in State Bank for India for more than 35 years and has held a number of very important assignments in the Bank in India and abroad.He had worked as a faculty in State Bank Staff College, Hyderabad, SVP & Regional Head-SBICAPs Chennai, Country Head & CEO-SBI Maldives, CEO SBI Newyork, Director (FDI), Department of Economic Affairs, Ministry of Finance, GOI, New Delhi and General Manager, Circle Audit Office, Chennai. He is a Post Graduate in Economics and a Certified Associate of the Indian Institute of Bankers.                        ...

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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