Resource Persons

Resource Persons

Sameer Kochhar

Sameer Kochhar

Chairman, SKOCH Group

Sameer Kochhar is President of SKOCH Development Foundation, which is a leading think tank on digital, social and financial inclusion issues in India. He has been passionately working towards promoting participatory democracy, empowerment, and bringing improvements in delivery systems. He is CEO, SKOCH Consultancy Services, and is an industry veteran with a multifaceted career spanning over two and a half decades.

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Gursharan Dhanjal

Gursharan Dhanjal

Managing Director, SKOCH Group

Dr Gursharan Dhanjal, MA, MPhil, PhD from Delhi University and an expert in strategic affairs, is Managing Director & Editor, SKOCH Group. He is also Editor of INCLUSION—a quarterly publication that focuses on development and addresses inclusive growth-related issues. INCLUSION has completed six years. He has over 20 years of work experience ranging from academics to research and business journalism to consulting.

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Manisha Kochhar

Manisha Kochhar

Director, SKOCH Development Foundation

Manisha Kochhar is Director, SKOCH Group. Graduate in English Literature from Delhi University, she has over 20 years of working experience that spans various industries. She looks after the outreach programmes of the Group that relate to gender empowerment, entitlements, literacy and actively engages with all field projects concerning social, digital and financial inclusion across rural and urban India.

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N C Saxena

N C Saxena

Former Member, National Advisory Council & Distinguished Fellow, SKOCH Development Foundation

NC Saxena is the Former Member of the National Advisory Council and is also a Distinguished Fellow, SKOCH Development Foundation, New Delhi. A Rockefeller Foundation Fellow, he obtained his PhD from the University of Oxford, UK He specialises in rural development, natural resource management, rural livelihoods, poverty alleviation, watershed and drinking water, governance, decentralisation and people’s participation.

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Zohra Chatterji

Zohra Chatterji

Former Secretary,
Government of India

Ms Zohra Chatterji was Secretary, Ministry of Textiles in the Government of India. She belongs to the 1979 Batch of the IAS, UP Cadre and has held several important positions in her home state including Secretary and Director Industries. Labour Commissioner, Secy & DG Tourism, Secy & Project Director Basic Education etc. Her last assignment in UP was Principal Secy IT & Industries when she was awarded the Prime Minister’s Award for Excellence in Public Administration.


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Aruna Sharma

Aruna Sharma

Development Economist & Former Secretary, Steel, Government of India


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Deepak B Phatak

Deepak B Phatak

Professor Emeritus, IIT-B, Mumbai & Director SKOCH Development Foundation

Dr Deepak B Phatak is Chair Professor at Indian Institute of Technology-Bombay, India. He graduated in Electrical Engineering from Indore and then completed his MTech and PhD in Computer Science. He is with IIT Bombay since 1971.


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Deepali Pant Joshi

Deepali Pant Joshi

Distinguished Fellow, Former Executive Director, Reserve Bank of India

Dr Deepali Pant Joshi is the former Executive Director of the Reserve Bank of India. She is a development Economist and a writer on economic subjects. Her professional responsibilities have included the Department of Currency Management, Legal Department and Premises Department.

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Bhaskar Pramanik

Bhaskar Pramanik

Former Chairman, Microsoft India


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Charan Singh

Charan Singh

Distinguished Fellow, Non-Executive Chairman, Punjab and Sind Bank

Dr Charan Singh was RBI Chair Professor at the Indian Institute of Management, Bangalore, India. Earlier, he was a Senior Economist at the International Monetary Fund (IMF), Washington DC from August 2009 to November 2012. He was Director (Departments: Research; Debt Management) at the RBI from 1997–2009 where he had joined in 1984 as a Research officer in the Economic Department.


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Kishore Sansi

Kishore Sansi

Distinguished Fellow, Former Executive Director, Reserve Bank of India


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Nirmal Bansal

Nirmal Bansal

Senior Distinguished Fellow, SKOCH Development Foundation

Nirmal Bansal is a former banker and an expert in financial inclusion. He has over two-and-a-half decades of experience in the banking and financial sector, having worked with HDFC Bank, Corporation Bank and FINO.


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K G Karmakar

K G Karmakar

Former Managing Director, NABARD

Nirmal Bansal is a former banker and an expert in financial inclusion. He has over two-and-a-half decades of experience in the banking and financial sector, having worked with HDFC Bank, Corporation Bank and FINO.

Prior to joining FINO (where he was Director- Business Development and Government Initiatives), Bansal was holding the position of Executive Vice President & Business Head – North at HDFC Bank where he was associated with Financial Institutions, Public Sector Undertakings and Government Business Group (FIG).

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