Meet the people who make it Happen.

Mr. Bhavesh Zaveri is the Executive Director of HDFC Bank and in-charge of Operations & Cash Management Product. In his current role, he is responsible for Business and Operations across the country and for creating and delivering a flawless operations execution capability across the diversified product suite of the Bank to the Corporate, MSME & Retail verticals including for Asset, for Liabilities and for Transaction Services of Payments & Cash Management, Trade Finance & Treasury, and ATM Product.

Mr. Zaveri has an overall experience of over 38 years and has headed the critical functions of Operations, Cash Management and Technology at the Bank. He joined the Bank in 1998 in the Operations function. He became Business Head – Wholesale Banking Operations in the year 2000 and was appointed as Group Head - Operations in 2009. He assumed additional responsibilities of the Information Technology function in 2015. In his previous role as Group Head - IT, he has contributed to the Digital transformation of the Bank by embracing technology to ensure operational efficiency resulting in improved customer experience across different product offerings of the Bank.

Mr. Zaveri has also participated in RBI’s Internal Payments Council Meet and was part of the Umbrella Organization for Payments Committee of 2004 that led to the formation of National Payment Corporation of India (NPCI). He is the only elected Indian from India on the SWIFT Scrl Global Board, Brussels. He has been featured twice in the “Who’s Who in Treasury and Cash Management” by Global Trade Review. He has also been a member of various committees formed by the Reserve Bank of India and Indian Banks’ Association. He also previously served on the Board of SWIFT Scrl - Brussels, Swift India Domestic Services Private Limited, The Clearing Corporation of India Limited, National Payment Corporation of India Limited, Goods & Service Tax Network Limited, HDB Financial Services Limited and HDFC Securities Limited.

Prior to joining the Bank, Mr. Zaveri worked for Oman International Bank and Barclays Bank. He holds a Master’s Degree in Commerce from Mumbai University and is a Certified Associate of the Indian Institute of Bankers.

Mr. Sumant Rampal leads the Mortgages and Home Loans Business at the Bank and prior to assuming responsibility for these businesses, Mr. Sumant Rampal was managing Business Banking, Rural Banking and SLI verticals for the Bank. Under his leadership, HDFC Bank was acknowledged as the Best SME Bank by SIDBI for FY 2019-2020, by Asia Money 2021-22, Euro Money 2021-22 and Asia Money 2022-23.

HDFC Bank currently has one of the largest assets under management for the mortgages business in the Indian banking industry. The mortgages loan book and customer base is spread across the length and breadth of the country.

HDFC Bank today is one of the largest banks for MSME and Agricultural finance. The Bank is also one of the largest providers of funding under Government schemes like ECLGS, CGTMSE, AIF, PMFME, CGFMU, FPO etc. Mr. Sumant Rampal and his team spearheaded the growth of the MSME and Agriculture lending business in more than 650 districts and 2,25,000 villages of India. The products and services were delivered through a mix of physical and digital solutions for the Bank’s customers’ needs and for efficiency.

Mr. Sumant Rampal has been a Corporate and Wholesale banker throughout his two-decade career with the Bank. He joined HDFC Bank in 1999 as a Relationship Manager in the Corporate Banking division. He managed some of the leading Indian and MNC corporates before moving to the Mid-Market Group as Regional Head – West and all India Business Head for Health care vertical. He contributed significantly towards building the Mid-Market Business vertical and was also involved in its digitisation process.

Mr. Sumant Rampal is an alumnus of the Symbosis Institute of International Business, Pune.

He relaxes by spending time with family, watching movies, and reading books on real stories and on human behaviour.

Mr. Rajeev Sardana was a Member of Executive Management of Housing Development Finance Corporation Limited. He worked in the Corporation for 37 years and handled various functions including Accounting, Member of the Software support team, which was the interface between IT and users, Development of new products, Regional Business for various states/ zones across India, Credit risk management and he was heading the Self-Employed Business and Loan against Property of the Corporation at the time of his retirement in June 2023. At that time, he was involved in Budgeting exercise for the Corporation, responsible for maintaining yield on retail loans and formulation of retail lending policies.

After his superannuation on 30th June 2023 and merger of HDFC with HDFC Bank, HDFC Bank appointed him as a Consultant for one year.

He has been involved in consultancy assignments undertaken by HDFC in various countries across the world to support and establish their housing finance institutions.

Mr. Sardana was also a Director of HDFC Education and Development Services Private Limited till October 2024 when the company was taken over by Shiv Nadar Group. In December 2024, he was appointed as a Non-Executive Independent Director at Poonawalla Fincorp Limited.

He is a member of the Institute of Chartered Accountants of India and an alumnus of Shri Ram College of Commerce, University of Delhi.

Ms. Simrita Ahluwalia is an accomplished finance professional and educator, with a unique career spanning corporate finance, strategic leadership, and institution building. An Electronics Engineer with an MBA in Finance and a CFA charter holder, she brings deep analytical acumen and a strong understanding of financial systems, capital structures, and risk governance to the boardroom.

Currently serving as the CEO at The Knowledge Habitat, a chain of progressive K–12 institutions under the visionary leadership of the Shiv Nadar Foundation, Ms. Ahluwalia is known for her ability to navigate complexity, lead with integrity, and bring a long-term, values-driven perspective to decision-making. Her experience in managing diverse stakeholders — from regulators and educators to parents and investors — equips her with a nuanced understanding of governance in both corporate and mission-led environments.

As a Director, she offers a rare blend of financial expertise, strategic thinking, and a strong commitment to ethics, transparency, and sustainability — qualities increasingly critical in today’s evolving business and regulatory landscape.