Mr. S. N. Subrahmanyan is the Non-Executive Director and Chairperson of the company.

He is the Chairman & Managing Director (CMD) of Larsen & Toubro and serves on the board of directors of this multi-billion-dollar conglomerate. SNS, as he is popularly known, is also Vice Chairman on the boards of LTI, L&T Technology Services & Mindtree and Chairman of L&T Metro Rail (Hyderabad) Limited.

Prior to taking over the reins as CEO & MD in July 2017, SNS in his capacity as Deputy MD & President led L&T’s infrastructure business to its position as the country’s largest construction organisation and 14th in the world. He is now responsible for leading the breadth and width of L&T’s considerable business interests to new growth levels, riding on the enormous benefits of digitalisation, big data, and predictive analysis that he drives internally with exceptional zeal. He places a premium on innovation, project management and talent development, particularly in leadership roles.

Hailing from Chennai, India, SNS commenced his professional journey with L&T in 1984 as a project planning engineer armed with a degree in civil engineering and a post-graduation in business management. Mentored by stalwarts, he took on roles of increasing responsibility across business verticals. With an entrepreneurial mindset, drive, and foresight, he began to rewrite the rules of the game.

He led L&T’s foray into the realm of executing developmental projects starting with the extremely successful HITEC City project in Hyderabad and the Bangalore International Airport, forging deals in the process without precedent in the construction space. Successfully setting up the Ready Mix business in India for the first time, bagging mandates to design & build all major international airports in India, venturing into untapped geographies like the Middle East, Africa & ASEAN to establish L&T’s credentials and presence and building long-term relationships came easy to him.

Under his leadership, SNS has transformed L&T into a company that executes a wide range of projects at Speed & Scale and, in the process, builds the tallest, largest, longest, smartest, and most complex. L&T is among the three Indian companies to feature in the top 46 Most Honoured Companies according to the New York-based B2B publication, Institutional Investor, was recognised as the Company of the Year by business publication, Business Standard in 2020 and has featured on the Forbes list as one of the world’s best employers.

SNS was ranked 11th in the Construction Week Power 100 Ranking for 2021, that had previously recognised him as the Infrastructure Person of the Year for 2012. In 2020, SNS was ranked as the Top CEO (Sell Side) and the 3rd Best CEO (Overall) in the All-Asia Executive Team Survey conducted by Institutional Investor and recognised as the CEO of the Year by the leading Indian news channel, CNBC-Awaaz. He has been conferred the Emergent CEO Award at the CEO Awards in 2019 for his exemplary leadership and for delivering seamless growth for L&T. He has also been accorded the Leading Engineering Personality award by the Institution of Engineers (India) in 2014.

SNS holds positions of pre-eminence on various industry bodies, construction institutions and councils. In February 2021, he was appointed Chairman of the National Safety Council (NSC) for three years by the Union Ministry of Labour & Employment. In this role SNS will guide the NSC, which has a major part to play to ensure safety in workplaces under the new Occupational Safety, Health and Working Conditions Code, 2020 (OSH Code, 2020)

Mr. Roy is a consumer banking and payments professional with over 24 years of financial services experience. He joined the Company from ICICI Bank, where he served as Group Head and managed diverse businesses like Unsecured Assets, Cards, Payment Solutions, Student Ecosystem, E-commerce and Merchant Ecosystem, Millennial Banking and API Banking. Before his assignment with ICICI Bank since 2010, he has worked for Citibank and Deutsche Bank.

Mr. Roy has a deep understanding of consumer finance, cards and retail loans, lending and payments technology systems and associated risk management practices and has worked extensively in India, China and Canada in the consumer lending and payments business, having built green-field lending and cards businesses in all three countries.

He was voted as one of the Top 50 Digital Finance Influencers in the country in 2024 as well as the top 30 Fintech Influencers in India in the year 2021 and is a speaker at various forums on Retail Lending and Credit, History of Payments, Risk and Fraud Control and Future of Payments business.

Mr. Roy has also been a part of several Government and Reserve Bank of India committees in areas of transit payment systems, banking security and retail payments.

He is a chemical engineer from Indian Institute of Technology, Kharagpur and MBA from XLRI School of Management, Jamshedpur

Mr. Dinanath Dubhashi is the Whole-Time Director of L&T Finance Limited (formerly known as L&T Finance Holdings Limited).

With a rich experience of over three decades, Mr. Dubhashi has worked in multiple domains of Financial Services such as Retail & Infrastructure lending, Rural Finance, Corporate Banking, Cash Management, Credit Ratings, Insurance and Wealth Management.

Mr. Dubhashi has been associated with L&T Finance Limited(formerly known as L&T Finance Holdings Limited) since 2007 and has been instrumental in scaling up the retail businesses manifold, across customer segments and geographies. During his tenure as the Managing Director & CEO of L&T Finance Limited(formerly known as L&T Finance Holdings Limited) since 2016 to January 2024, LTF has achieved several market leading positions in flagship products like Rural Group Loans & Micro Finance, Farm Equipment Finance and Two-wheeler Finance.

Mr. Dubhashi has been instrumental in conceptualising the Company’s transformational strategic vision ‘Lakshya 2026’ aimed at transforming LTF into a top-class digitally-enabled, customer focused Fintech@Scale. By focusing on increasing the retail proportion of loan book and reducing the wholesale business, Mr. Dubhashi has led the organisation to deliver Retailisation of over 80%, Retail growth of over 25% CAGR, pristine Retail Asset Quality and optimum Retail RoA.

He has also built a strong digital and data analytics foundation for the company, leading to best-in-class customer value proposition and Turn-Around-Time (TAT) for loan approvals and disbursals. The increase in retail proportion of loan book under his leadership has been built on the foundations of distinctive digital and analytics-based offering and a robust risk management framework.

Prior to joining L&T Finance Limited(formerly known as L&T Finance Holdings Limited) in 2007, Mr. Dubhashi was associated with organisations such as BNP Paribas, CARE Ratings and SBI Capital Markets in various capacities.

In addition to his responsibilities at L&T Finance Limited(formerly known as L&T Finance Holdings Limited), Mr. Dubhashi has also been co-chairing the FICCI Committee on NBFCs since 2018 and is also on the board of Finance Industry Development Council (FIDC) – a representative body of NBFCs.

He is a Postgraduate from IIM Bangalore and holds a B.E. (Mechanical) degree.

Mr. R Shankar Raman is the Chief Financial Officer and Member of the Board at Larsen & Toubro Limited (L&T). He is a Non-Executive Director on the Board of our company. He is also on the board of several companies within the L&T Group. He joined the L&T Group in 1994 to set up L&T Finance Limited and has close to 35 years of experience in Finance and Management.

He is a Chartered and Cost Accountant by profession with a degree in Commerce from Madras University.

Thomas Mathew T. has over four decades of strategic leadership and operational experience in the Life Insurance & Reinsurance industry. He was the Managing Director and Interim Chairman of L.I.C. He was also India MD & CEO of 'Reinsurance Group of America'. He was nominated by SEBI as the Chairman of the Metropolitan Stock Exchange of India. He has served as Director on the Boards of Mahindra & Mahindra Limited, Tata Power Co. Limited, Voltas Limited, IFCI Limited and Corporation Bank. He was a member on the Governing Council of the MDI, Gurgaon, Actuarial Institute of India & Chairman of The National Insurance Academy, Pune. He was also a member of the ‘Take Over Panel’ of SEBI.

Mr. Thomas Mathew is also a Director on the Boards of LIC (International) B.S.C.(c), Bahrain.

Dr. Rajani R. Gupte had done Ph. D in Economics from Gokhale Institute of Politics and Economics, Pune University, on the topic "The impact of trade liberalisation on the level of protection of Indian Industry".

Currently, Dr. Gupte is the Vice Chancellor of Symbiosis International University, Pune. During the period 2004-2012, she had also served as a Director of Symbiosis Institute of International Business (SIIB). She was actively involved in establishing SIIB as one of the leading B-Schools in India.

In the past, she has also worked as Director-Finance, in a Private Limited Company, wherein she has handled Finance operations seamlessly.

She had earlier served as a Dean and Pro Vice Chancellor of Symbiosis International University. She had also served as member WTO committee, Government of Maharashtra, Department of Horticulture during the period 2002-06. She was invited to be a part of a committee of eminent economists formed by NITI Aayog to interact with the Honourable Prime Minister on "Economic Policy: The Road Ahead" in January 2018.

Dr. R. Seetharaman, Former Chief Executive Officer of Doha Bank (2007 – 2022), is a prominent personality in the banking industry throughout the Middle East, an economic expert who has achieved remarkable success for his contributions to Banking, Trade, Investment, Economics, Environment, Social responsibility, Philanthropy and Charity. Post his successful Finance/Banking career of over 40 years in he has adopted six sustainable development goals from United Nations and has registered a Non-profit organisation “Seetharaman School of Sustainable Development” with the vision of contributing to global sustainable development.

He is a Chartered Accountant and holds certificate in IT systems and Corporate Management, whilst being a gold medalist in his graduation Bachelor of Commerce.

He is recipient of multiple doctorates from leading universities of the world, including 3 PhD’s.
• PhD in Global Governance by European University
• PhD in Green Banking and Sustainability from Sri Sri University
• PhD in “Economic Implications of Global citizenship” by Sri Sharda Institute of Indian Management.
• Doctorate of Laws by Washington College for his unique and valuable contribution to society in the field of banking and knowledge management
• Doctorate of Honoris Causa from European University for his contribution to global governance and social responsibility
• Doctor of Philosophy (Honorary) by Arts, Science and Technology University, Lebanon (AUL) for his valuable contribution to Banking and Finance

In 2017, he was recognized and conferred by the Government of India with the prestigious Pravasi Bharatiya Samman Award, the highest honour conferred on overseas Indians by the Government of India.

Dr. R. Seetharaman was honoured with the “Green Economy Visionary Award” in 2016 by Union of Arab Banks for his contribution in promoting green economies. He was also honoured “Global Excellence Award in Renewable Energy 2017” by the Energy and Environment Foundation.

He was conferred with the “Lifetime Achievement Award” by The Banker Middle East to honour his contribution to the industry and his support for the environment and the business.

He was also conferred “Life time Achievement Award” from the Institute of Directors at the Global Summit.

He was recently conferred “Life time Achievement Award” by the Entrepreneur Middle East at the “Leaders in Fintech Awards 2023” in Dubai on 12th June 2023.

He is a prominent personality in the banking industry throughout the Middle East and being a high-profile economist, he was invited on a regular basis by international media such as BBC, CNN, FOX, CNBC, Sky News, ABC and Bloomberg to share his views.

Ms. Nishi Vasudeva is an internationally acclaimed leader and is the first woman to chair an oil and gas company in India. She represented Hindustan Petroleum Corporation Limited ("HPCL") as Chairperson/Director on the board of several joint venture companies. She was responsible for developing the vision and long-term objectives, improving growth and profitability, driving a high-performance culture geared towards operational excellence and consistent value creation for shareholders & all stakeholders.

Prior to assuming responsibility as Chairperson & Managing Director, she served on HPCL Board as Director- Marketing and was responsible for pan India sales (B2B & B2C segments), brand building, efficient supply chain management, Infrastructure development and leading HPCL foray into new business lines.

Her career at HPCL included leadership positions in Marketing, Corporate Strategy, Planning and Information systems and she has led key business transformation & organizational restructuring projects. She was also an Independent Director of L&T Finance Limited and Chairperson and Independent Director of L&T Infra Credit Limited which stand merged with L&T Finance Limited (formerly known as L&T Finance Holdings Limited). She is the first Indian to be awarded the Global CEO of the year at Platt's Global Energy Awards 2015. She received the SCOPE Award for excellence and outstanding contribution to Public Sector Management from the Hon'ble President of India and was also recognized with Outstanding Women Manager Award by SCOPE. She has been a member in several committees for development of policy in the Oil industry and Hydrocarbon sector in India. She is BA (Economic Honours) from Delhi University and an MBA from IIM Calcutta with over 38 years of experience in the petroleum industry.

Mr. Pavninder Singh is a Managing Director with Bain Capital in the Mumbai office. He joined the firm in 2001 and has worked in the New York and Mumbai offices. He is a founding member of Bain Capital's India office and he co-leads the firms India and South East Asia investments. Prior to joining Bain Capital, he was the Co-CEO of Medrishi.com, a healthcare services site. Prior to that, he was a consultant at Mercer Management Consulting (now Oliver Wyman) where he consulted in the e-commerce, retail, and energy industries.

He is actively involved in the investments in L&T Finance Limited (formerly known as L&T Finance Holdings Limited), Quest Engineering, Emcure Pharmaceuticals, Hero FinCorp and Himadri Chemicals & Industries Ltd.

He received an MBA from Harvard Business School where he was a Baker Scholar. He received a BA Magna cum Laude from Harvard College.

Mr. Roy is a consumer banking and payments professional with over 24 years of financial services experience. He joined the Company from ICICI Bank, where he served as Group Head and managed diverse businesses like Unsecured Assets, Cards, Payment Solutions, Student Ecosystem, E-commerce and Merchant Ecosystem, Millennial Banking and API Banking. Before his assignment with ICICI Bank since 2010, he has worked for Citibank and Deutsche Bank.

Mr. Roy has a deep understanding of consumer finance, cards and retail loans, lending and payments technology systems and associated risk management practices and has worked extensively in India, China and Canada in the consumer lending and payments business, having built green-field lending and cards businesses in all three countries.

He was voted as one of the Top 50 Digital Finance Influencers in the country in 2024 as well as the top 30 Fintech Influencers in India in the year 2021 and is a speaker at various forums on Retail Lending and Credit, History of Payments, Risk and Fraud Control and Future of Payments business.

Mr. Roy has also been a part of several Government and Reserve Bank of India committees in areas of transit payment systems, banking security and retail payments.

He is a chemical engineer from Indian Institute of Technology, Kharagpur and MBA from XLRI School of Management, Jamshedpur

Mr. Sachinn Joshi leads Finance & Accounts, Financial Planning & Analysis, Treasury, and Investor Relations functions as the Chief Financial Officer.

He has over 27 years of experience with expertise in finance and operations. These include setting up business & treasury operations, risk & credit control, human resource management, public listing, strategic planning and crisis management.

Previously, Mr. Joshi worked with Aditya Birla Finance as the Chief Financial Officer heading Treasury, Finance, Secretarial & Statutory Compliance, and Admin verticals. He was the Executive Director & CFO at Angel Group, heading strategy and finance. At IL&FS, he worked across various capacities including that of CFO, COO and Executive Director - Finance & Operations. In this role, he played pivotal role in setting up of wholesale and retail businesses at one of its subsidiary IL&FS Investsmart.

Mr. Joshi is a qualified Chartered Accountant and a Cost Accountant. He has also done his post-graduation in Law and has completed Business Leadership Program from IIM Calcutta. He is an avid runner and regularly participates in full as well as half marathons, loves travelling and watching sports particularly cricket.

Mr. Raju Dodti is the Chief Operating Officer (COO) at L&T Finance. Prior to being elevated to the position of COO Mr. Dodti was the Chief Executive (CE) of Wholesale & SME Finance. As a CE of Wholesale & SME Finance Mr. Dodti was involved in active divestment, down-selling and resolution assets in Infrastructure and Real Estate finance. Additionally, he was responsible for driving the growth of SME business with the aim of establishing L&T Finance as a lender of first choice in the SME lending space. He also led the Special Situations Group which has been involved in the recovery and resolution of identified stressed assets, de-focused book and exit of private equity investments.

Mr. Dodti joined L&T Finance in 2015 and over the years he has held key positions in legal and compliance. As the Group General Counsel of the company, he was instrumental in building the in-house practice group that dealt with advisory, transactional and litigation portfolio for the lending and non-lending businesses as well as leading regulatory compliance including overseeing regulatory inspections. Mr. Dodti has also provided strategic direction & leadership to the Corporate Communications, Facilities & Channel Management functions of L&T Finance, in the past. Mr Dodti also led strategic initiatives of L&T Finance including divestment of the Mutual Fund and Private Wealth business.

Prior to joining L&T Finance, he was with IDFC, Rabo India Finance, ABN AMRO NV, Societe Generale and Global Trust Bank, in varied roles across the legal function. With more than two decades of diverse experience across national and multi-national banks & financial institutions in private equity, project finance, infrastructure finance and treasury borrowings, Mr. Dodti has contributed extensively by maneuvering at the crucial junctures of the organizations’ legal commitments.

Mr. Dodti holds a Bachelor's degree in law from Government Law College, Mumbai University, and a Bachelor's degree in commerce from Mumbai University. He loves music, travelling and is a fitness enthusiast.

Mr. Santosh B. Parab leads the Legal function at LTF in his capacity as the Group General Counsel. He has over 28 years of experience with expertise in varied legal and compliance domains – Retail, Wholesale and Banking Finance, Borrowings & Treasury, Mergers & Acquisitions of entities in the Financial Sector, Equity Raising, Private Equity, Litigation, Recovery and Resolution.

Prior to joining LTFS, Mr. Parab worked with IDBI, IDFC, IDFC Bank and Altico Capital in different roles across the legal and compliance functions. He has played a pivotal role in all major milestones achieved during his tenure with previous organisations including banking license, acquisitions and divestments of various financial entities, mergers of bank with NBFC, working on resolution plan among others.

Mr. Parab holds a Master's degree in law from Mumbai University, and a Bachelor's degree in commerce from Mumbai University.

Mr. Sanjay Garyali is the Chief Executive - Urban Finance at L&T Finance.

With over 26 years of experience across diverse sectors, Mr. Garyali in his role as the head of the Urban Finance business oversees the urban lending vertical of the company including Housing Finance and Personal loans businesses. He is also responsible for expanding the already established Two-Wheeler Finance business. Driving retailisation to help accelerate the growth momentum of the company is a core focus area for Mr Garyali and he will be driving a high-performance culture, concentrating on achieving operational excellence, strengthening processes and adding value to all the stakeholders.

Mr. Garyali specializes in strategy, scaling businesses and has built a solid track record in building customer-centric organisations as well as distribution networks. With a deep understanding of retail businesses, he is well experienced across retail collections, consumer durables and Two-Wheeler sales, branch banking, retail liabilities, NRI banking as well as investments and mortgages. Mr Garyali has worked with Kotak Mahindra Bank, HDFC Bank, GE Capital and Idea Cellular in the past.

An MBA from Panjab University, Chandigarh, Mr. Garyali also holds a B.E. (Electronic and Communications) degree from BV College of Engineering, Pune.

Mr. Abhishek Sharma is the Chief Executive - SME Finance at L&T Finance. Prior to being elevated to the role Mr. Sharma led the Group’s digital transformation initiative. He has over 15 years of experience in Corporate Strategy, Product Development and Sales Leadership, across the Group, Rural Finance & Housing Finance businesses.

Previously, he has served as a Captain in the Indian Army for five years.

Mr. Sharma has a Post Graduate Diploma in Business Management from XLRI, Jamshedpur and holds a Bachelor’s Degree in Business Economics from the Delhi University.

He loves reading and is an avid sports enthusiast.

Ms. Sonia Krishnankutty is the Chief Executive – Rural Business Finance, Customer Service & Operations. She is spearheading the Rural Business Finance, in charge of building best-in-class portfolio, systems & processes and setting up new products to cater to our rural customers. She is also heading the Customer Service & Operations Function for all the Retail Businesses of LTF.

Having completed her MBA from XLRI, Jamshedpur, Ms Sonia has more than 21 years of experience in Banking and Financial sector handling various roles in business, recoveries, credit and risk across Retail Asset Financing, Priority Sector Lending and Rural Finance.

She joined LTF in 2008, and was pivotal in setting up and managing the Asset management services for handling hard collection for all Retail businesses. Post this, she continued her journey towards setting up and managing the company’s Risk Control Unit for all Retail businesses. Having successfully built and established two key functions, she moved on to head the Farm Equipment Finance business where she transformed the entire business function, enhanced book quality and reduced NPAs while improving the market share multi-fold, setting up manufacturer relationships and completing the turn-around of Farm Equipment Finance. Post her success in the Farm Equipment Finance, she took charge as Business Head for Micro Loans where she helped build and strengthen the portfolio. Under her leadership the business has gone through several critical phases while emerging with book and profitability intact.

Prior to joining LTFS, Ms. Sonia had worked with Bank of Baroda in various functions covering Credit, Collections and Business in Retail Lending.

Ms. Apurva Rathod is the Company Secretary - L&T Finance Limited (formerly known as L&T Finance Holdings Limited) and the Group Head – Secretarial & CSR and Sustainability, L&T Finance.

With an experience of around 20 years, she has worked across Legal, Compliance, Risk Management and Corporate Secretarial functions. She moved to LTF from Fidelity in 2012 and has been at the helm of Corporate Secretarial function since 2016. In addition, she has also been leading the Group CSR & Sustainability initiatives of LTF since March 2020.

She has been spearheading the strategic initiative of corporate restructuring of various lending entities within LTF and has also played a pivotal role in strengthening the corporate governance framework through robust processes and controls.

As the Head of CSR initiatives, she has been instrumental in scaling up “Digital Sakhi” – the flagship program of LTF aimed at Digital Financial Inclusion of rural women and creating sustainable livelihoods. The program has won prestigious awards in the categories of women empowerment and digital literacy, across multiple forums.

She is also leading the strategy and implementation of LTF sustainability initiatives and has been a key part of its journey in addressing various environmental, social and governance risks across business platforms.

In her previous stints, she has been associated with the mutual fund arm of Fidelity International in India and Kotak Mahindra AMC Limited and has played a key role in corporate M&A.

Ms. Apurva is a member of the Institute of Company Secretaries of India and holds a Bachelor's degree in law and a Bachelor's degree in commerce from the University of Mumbai.

Mr. Asheesh Goel is the Chief Executive for Farmer Finance at L&T Financial Services and comes with a rich work experience of more than 28 years in the financial services industry. Mr. Goel has an excellent track record of developing and transforming systems and processes that has helped businesses scale new heights. This has been achieved by reengineering the existing business model, remodelling and building robust architecture and transformation of the deliverance platform for meeting the core objective of the Organization. In his long span in the lending business, Mr. Goel has launched new asset financing verticals, built robust infrastructure along with laying down customer- centric initiatives to build reach and scale.

A Chartered Accountant by qualification, before joining L&T Financial Services in 2019, Mr. Goel was with Citibank for close to 19 years heading varied asset verticals.