Explore Segments

Our Team

YES BANK, India’s fourth largest private sector Bank, is the outcome of the professional & entrepreneurial commitment of its founders and its Top Management team, to establish a high quality, customer centric, service driven, private Indian Bank catering to the future businesses of India.

Board Of Directors

Mr. Ravneet Gill

Mr. Ravneet Gill has been on the Board of YES BANK since March 1, 2019 as the CEO & MD.

-Mr. Ravneet Gill ,( Chief Executive Officer & MD)

Ravneet Gill assumed charge as CEO & MD of YES BANK Ltd. on March 1, 2019. Prior to that he was the Chief Executive Officer of Deutsche Bank in India and a member of its Asia Pacific Executive Committee since July 2012.

Ravneet has 33 years of extensive banking experience across structured financing, foreign exchange, transaction banking, risk management and private banking.

He joined Deutsche Bank in 1991 in Private Wealth Management and moved to the Corporate Bank in 1993. In 1995, India embarked upon the largest telecoms privatization in the world and he ran the Telecoms Group from 1995-2000. During this period, Deutsche Bank became the pre-eminent ‘telecoms bank’ in the country with a dominant market share and telecoms became the bank’s defining business.

In 2003, he took over as Head of Corporate Banking Coverage and held the position till December 2008 when he was appointed Head of Coverage for Global Markets.

In 2011, Ravneet took over as Head of Capital Markets & Treasury Solutions before being promoted as Chief Executive Officer in 2012.

Ravneet holds a Masters degree from Hindu College, Delhi University. He was on the Management Committee of the Indian Banks Association (IBA) from 2012 to 2018. He was also on the Advisory Boards of Daimler India Ltd and sits on the Advisory Board of the IPL franchise Rajasthan Royals.

Lt General (Dr.) Mukesh Sabharwal (Retd.)

Lt Gen (Dr.) Mukesh Sabharwal (Retd.) has been on the Board of YES BANK since April 2012 as an Independent Director.

-Lt General (Dr.) Mukesh Sabharwal (Retd.) ,(Independent Director)

Lt Gen (Dr) Mukesh Sabharwal has been on the Board of YES Bank since April 2012 as an Independent Director.

A hardcore professional, Gen Sabharwal had an outstanding service career, spanning over 40 years in the Indian Army that began with successfully fighting in the Indo-Pakistan War in 1971. He has a rich operational experience having served in Siachen, Ladakh, Manipur in North East India, and several tenures in Jammu and Kashmir engaged in counter terrorist operations.

He was the Corps Commander of the sensitive 15 Corps at Srinagar responsible for maintaining internal security and stability within the Kashmir Valley. He was the Security Advisor to the J&K Government in 2007-08 during the President’s Rule arising out of the Amarnath Shrine Board agitation.

Appointed as the Adjutant General of the Indian Army in 2008, he managed the entire Human Resources of over 11 lakh officers and soldiers and interests of 22 lakh ex-servicemen. He has sound experience in policy formulation, implementation and monitoring of manpower planning, personnel services, recruitment, selection, discipline, vigilance, welfare and security.

Having done his schooling from St. Columba’s High School, Delhi, he has completed his Masters in Defence Studies from Madras University and Masters in Management Studies from Osmania University. He is also a Master of Military Arts and Science from CGSC University, Kansas, USA, a Master of Strategic Studies from US Army War College, Pennsylvania, USA and an M(Phil) in Defence Studies from Madras University.

He completed his PhD from the Indira Gandhi National Open University, New Delhi in 2015. The subject of his thesis was “Terrorism in South Asia and its Relationship to India’s Security”.

He was awarded the Param Vishisht Seva Medal for distinguished services of an exceptional order by the President of India.  Earlier, he had been awarded the Vishisht Seva Medal, the Ati Vishisht Seva Medal and the Bar to Ati Vishisht Seva Medal.

He retired from service in 2011. In 2015, he was nominated by the Raksha Mantri to Chair a Committee of Experts to review the litigation and grievances in the Defence Services of India.

In 2016, he was a member of the RMC Expert Committee to review the combat potential of the Defence services.

Mr. Brahm Dutt

Mr. Brahm Dutt has been on the Board of YES BANK since July 2013 as an Independent Director.

-Mr. Brahm Dutt ,(Non - Executive Part time Chairman)

Mr. Brahm Dutt is the Non- Executive Part time Chairman of the Bank and has been on the Board of YES BANK since July 2013 as an Independent Director.

During his career in the IAS for 37 years, he held several posts in the State Government of Karnataka as well as in the Central Government and rose to the level of Secretary to Government of India. Before retirements from the service, he worked as Secretary in the Cabinet Secretariat and in the Ministry of Road Transport & Highways, for over three and half years. After retirement from the IAS, he was an advisor (Energy & Highways) to Government of Karnataka from May 2011 to September 2013. Besides advising several private companies on issues related to SMEs, FDI, infrastructure, highways and power, he was also associated with several government committees and task forces.

His core competence is in the area of SME development. He had held prominent positions such as Joint Development Commissioner for Handlooms, Ministry of Textiles, Executive Director, Indian Silk Export Promotion Council and Joint Secretary (SSI), Ministry of Industry, in Government of India for over 10 years and Director of Industry and Commerce in Karnataka for about 2 years. He has acted as a member on the board of directors of SIDBI, NSIC, KSFC, KSSIDC and several other public sectors undertakings associated with development and financing of small scale and micro enterprise in Karnataka. He has closely dealt with issues connected with availability of credit to these sectors and was associated with several high level committees for improving availability of credit to these sectors. As Joint Secretary, the very first initiative for development of micro finance institutions in the country was taken by him.

Some other posts held in Government of India are Chairman, Tariff Authority for Major Ports, Chairman, National Authority for Chemical Weapons, Additional Secretary (Department of Personnel & Training), Counsellor (Commerce & Finance, Embassy of India, Washington DC) and Deputy Secretary (Ministry of Commerce). In the state Government of Karnataka, he held the posts of Principal Home Secretary, Principal Secretary (Disinvestment & Public Sector Reforms), CMD, Mysore Paper Mills, Secretary (Education) and also worked in the field as Assistant Commissioner in-charge of sub-division and Deputy Commissioner of Mysore District in Karnataka Government.

He had led several missions as International Consultant for the International Trade Centre, Geneva for preparation of projects for development of SMEs in Ghana, Nigeria and The Gambia in Africa. He also acted as a Consultant for UNIDO and UNDP.

Mr. Dutt is M.Sc (Physics), MA (Economics) & LL.B. and has more than 37 years of experience in Indian Administrative Services (IAS).

Mr. Subhash Kalia

Mr. Subhash Chander Kalia, has been on the Board of YES BANK since April 03, 2018.

-Mr. Subhash Kalia ,Non-Executive Non Independent Director

Mr. Subhash Chander Kalia has rich experience of over 38 years in the Banking Industry holding key positions in India and abroad. Previously, Mr. Kalia served as an Executive Director of Union Bank of India from November 2009 to September 2011. He also served as an Executive Director of Vijaya Bank Ltd. from October 2008 to November 2009. Mr. Kalia joined Bank of Baroda in 1973 and worked in several capacities up to the level of General Manager till 2008. He was instrumental in setting up Baroda Pioneer Asset Management Company and Baroda L & G Life Insurance Company.

Mr. Kalia has significant expertise in Agriculture lending, Financial inclusion and Priority Sector Lending. He has also served on various Committees constituted by RBI / Association / Government of India such as Indian Banks’ Association Committee on Agro Business and Financial Inclusion for the year 2010-11, Empowered Committee on External commercial Borrowing of RBI, Committee constituted by RBI to re-examine the existing classification and suggest revised guidelines with regard to priority sector lending classification and related issues,Committee constituted by Government of India to identify issues in financing of Projects in Road, Conventional Power, Fuel & Fuel & Energy, Urban Transport and other Sectors as identified in Indian Infrastructure Report, etc.

Mr. Kalia has also been associated with corporate and NBFCs as advisor in financial service sector space. He has rich experience in corporate governance practices followed in India and abroad, having served on the Boards of several Banks and Institutions.. He has also served as the Chairman of Regional Rural Bank, Pratapgarh, Director on the Board of erstwhile Bareilly Corporation Bank Limited, Nainital Bank Limited, Shahjahanpur Kshetriya Gramin Bank Limited and Bareilly Kshetriya Gramin Bank Limited and various overseas subsidiaries of Bank of Baroda , etc.

Mr. Kalia holds a Bachelor's degree in Arts from Punjab University and a Master's degree in Political Science, with the distinction of standing first in the University from Guru Nanak Dev University and is also a Gold Medalist. He is also a qualified CAIIB.

He is also a director on the Board of various companies including BOI AXA Investment Managers Ltd. and IFCI Venture Capital Fund Limited.

Mr. Ajai kumar

Mr. Ajai Kumar has been appointed as Non-Executive Non Independent Director of YES BANK on January 29, 2016.

-Mr. Ajai kumar ,Non-Executive Non-Independent Director

Prior to this, he was acting as Senior Strategic Advisor of the Bank since 2014. Mr. Ajai Kumar has a distinguished career in banking industry having more than forty years of experience in Public Sector Banking Industry holding eminent leadership positions in India and overseas (New York, USA) including as CMD of Corporation Bank, Executive Director of UCO Bank and as General Manager & Head of Technology and Retail Banking at Bank of Baroda.

As CMD of Corporation Bank, he provided strong leadership to take Bank to next level of Business and Next Generation Technology, implemented turnaround strategies successfully by creation of strong business processes and structures in the form of Circle Offices for better efficiency and controls, launching SME Loan Centres, Agriculture Business Development Cells, and several Gold Loan Shoppes. Under his leadership, Corporation Bank emerged as the Bank with very strong financials, best productivity, best asset quality and best customers services among its peers. The Bank was ranked No. 1 in the country for its performance in MSME finance for the year 2012-13 and honoured with National award by Prime Minister of India.

Prior to Corporation Bank, Mr. Ajai Kumar was Executive Director of UCO Bank wherein, he had developed significant improvements in structures, systems and controls in operations, credit monitoring and supervision.

Ajai Kumar is a Law Graduate and a Post Graduate in Physics from University of Allahabad. He is a Certified Associate of Indian Institute of Bankers (CAIIB). He started his career with Bank of Baroda joining as a Direct Officer in the year 1973.

In his thirty six years of service in Bank of Baroda, he had held various positions handling key responsibilities in Head Office, Zonal Offices, Branches, New York Office and Off-shore Banking Operations of Nassau, Bahamas, covering a vast spectrum of banking operations. He also played a pivotal role in strengthening and consolidating Retail Business with centralized process through Retail Loan Factories and introduction of several new value-based products for customers. His hands-on and practice-driven experience facilitated balanced decision making with insight into all aspects. Mr. Ajai Kumar has served as the Interim MD & CEO of the Bank from February 1, 2019 to February 28, 2019.

Mr. Ajai Kumar secured several awards and accolades in his illustrious career as a Banker and has also been honored with Outstanding Award for the paper submitted on "Knowledge Management - A Perspective for Public Sector Banks" in BECON 2003. He was a Member of the Board of Directors at Indo Zambia Bank Ltd and Multi Commodity Exchange of India Limited. and is currently also a director on the Board of Indiabulls General Insurance Limited.

Dr. Pratima Sheorey

Dr. Pratima Sheorey has been on the Board of YES BANK since April 26, 2018.

-Dr. Pratima Sheorey ,Independent Director

Dr. Sheorey has over 21 years of experience in Academics (Marketing), Consumer behaviour, Market Research, Training and Customer Insight mapping. She is currently the Director of Symbiosis Centre for Management and Human Resource Development (SCMHRD), a leading B-school in Pune. She has also served as Director of Symbiosis Institute of International Business (SIIB) from April 2013 to August 2013. Dr. Sheorey was a full time Faculty at SCMHRD as an Associate Professor in the Department of Marketing from July 2007 till April 2013 as well as a Visiting Faculty from June 1999 till January 2001 and Full time Faculty from January 2001 till July 2003. She has also been associated with Hero Corporate Services Limited, ORG – MARG (The Nielson Company) and IMRS India Ltd for Research.

Dr. Sheorey brings with her extensive research on Consumer behavior, Customer loyalty, Market research across consumer focused sectors, with a specific emphasis on creating an all-round experience in customer engagement. She has co-authored numerous papers for Journals and has also co-authored a chapter, ‘A conceptual framework for determining brand attitude and brand equity through text analytics of social media behavior’ in Encyclopedia of Information Science and Technology.

Dr. Sheorey is a Ph.D. in Marketing and is a MBA (Marketing) from Pune University. She is a Bachelor of Science (Microbiology) from Pune University and qualified UGC NET in 2012.

Mr. Uttam Agarwal

Mr. Uttam Prakash Agarwal has been on the Board of YES BANK since November 14, 2018.

-Mr. Uttam Agarwal ,Additional Director (Independent)

Mr. Agarwal is a Chartered Accountant with 30 years of experience in taxation, finance and restructuring having worked extensively in areas such as statutory audit, income leakage audit, dealing room audit of Banks, special investigative audit on behalf of Board for Industrial and Financial Reconstruction (BIFR), Public sector banks and companies under RBI's appointment as well as monitoring of sick companies on behalf of Bank of India and audits for banks, NBFCs and Mutual Funds.

He also has rich experience in providing tax and business advisory services to private equity investors, banks, investment banks, brokerage houses and finance companies.

Mr. Uttam Prakash Agarwal has been the youngest President of ICAI 2009-10, and has been acknowledged by former President of India, for his commendable work in the industry and presented with 'Recognition of Excellence Award'.

Mr. Agarwal was a Technical Advisor on the Board of International Federation of Accountants (IFAC), Developing Nations Committee (DNC) of IFAC and Small and Medium Practices Committee (SMP) of IFAC. He is also a member of the Disciplinary Committee constituted by the Council of the Institute of Actuaries of India nominated by the Ministry of Finance from 2009 to till Date.

Mr. Agarwal has also been a Member of the Central Direct Taxes Advisory Committee (CDTAC) constituted by the Central Board of Direct Taxes, Department of Revenue, Ministry of Finance, Govt. of India and Regional Direct Taxes Advisory Committee (RDTAC), New Delhi; the National Advisory Committee on Accounting Standards constituted by the Ministry of Corporate Affairs, Government of India; the Audit Advisory Board and the Government Accounting Standards Advisory Board, constituted by the Comptroller and Auditor General of India; Member on the Board of Insurance Regulatory and Development Authority (IRDA); Board of Tariff Advisory Committee of IRDA and also a member of Standing Committee on Accounting Issues (SCAI) constituted by IRDA; Member of SEBI Committee on Disclosures and Accounting Standards (SCODA). He has served as an Independent Director on the Boards of various companies including IRDAI, NSEL (new board post scam) and ICAI Research Foundation amongst others.

Mr. Agarwal also holds the honorary membership of Institute of Chartered Accountants of Australia and Certified Public Accountant of Australia. He is currently holding directorship of various Companies including Reliance Capital Trustee Co Ltd.

Mr. T.S. Vijayan

Mr. T.S. Vijayan has been on the Board of YES BANK since December 3, 2018.

-Mr. T.S. Vijayan ,Additional Director (Independent)

Mr. Vijayan is an eminent leader, with an impeccable public track record. He was the past Chairman of Insurance Regulatory & Development Authority of India (‘IRDAI’). Before assuming charge as Chairman, IRDAI in 2013, Mr. Vijayan held several senior leadership positions in various capacities in the Life Insurance Corporation of India (‘LIC’), India’s largest Insurance Company, and assumed responsibility as its Chairman in 2006. He took charge as Chairman of LIC when competition was at its peak upon opening of insurance sector in 2001. His career in LIC started as a Direct Recruit Officer in the year 1977 and some of the important assignments held by him were Managing Director of LIC, Executive Director (IT & BPR), Director and Chief Executive of LIC Housing Finance Limited Carehomes.


Mr. Vijayan’s specialization includes Information Technology, Human Resources & Marketing. He was the architect of the concept of Satellite Offices in LIC which brought about a revolution in customer service. He has participated in several national and international seminars in the areas of Information Technology, Strategic Management, Corporate Governance, Financial Management, Value creation in Service industry etc. He has received extensive training in Business Schools like Indian School of Business and apex training institutes like NIA, MDC etc.


Mr. Vijayan pursued his education in Kerala and holds a special graduate degree from Kerala University. He also holds a Diploma in Management.


Mr. Vijayan is also a director of various companies including Muthoot Microfin Limited.

Mr. Maheswar Sahu

Mr. Maheswar Sahu has been on the Board of YES BANK since January 24, 2019.

-Mr. Maheswar Sahu ,Additional Director (Independent)

Mr. Maheswar Sahu is an ex-senior civil servant with over 30 years of leadership experience in Central and State Governments. He joined the Indian Administrative Service (IAS) in 1980 and has served the Government of India and Government of Gujarat in various capacities for more than three decades before retiring as Additional Chief Secretary, Govt. of Gujarat in 2014.

Mr. Sahu’s career span includes more than 20 years of service in industry and more than 10 years of active involvement in Public Sector Undertaking Management. He has worked for more than 3 years in United Nations Industrial Development Organization. He was instrumental in organization of four Vibrant Gujarat events.

Mr. Sahu has extensive exposure in Administrative roles, Project Management, IT projects, Marketing and policy making at District, State and Central levels and has also contributed towards infrastructure development, infrastructure finance, investment, IT development and technology promotion as well as private sector development. He has extensive interaction with International/National/State Level Industry and Trade Bodies. His area of specialization includes Strategic Planning, Direction and Decision, Leadership, Connect & Influence, Coaching, Organization & Institution Building, Large Scale Project Management, Environment Management, Policy Making, Corporate Society Responsibility and Implementation of Infrastructure Projects.

Mr. Sahu has previously served as the Former Additional Chief Secretary (Industries & Mines); Vice Chairman & MD, Gujarat Industrial Development Corporation (GIDC); Joint Secretary, Ministry of Communication & IT; Project Director, International Centre for Advancement of Manufacturing Technology; Joint Secretary, Ministry of Environment & Forest, Government of India; Industries Commissioner of Government of Gujarat; Commissioner of Information Technology and MD, Gujarat Informatics Limited; Joint Secretary Government of India; Joint Managing Director of Gujarat Industrial Development Corporation; Managing Director of Gujarat Tourism Corporation; and also Head of the District Administration for about eight years.

Mr. Sahu is a B.Sc. (Engg.) in Electrical from NIT, Rourkela (1977), and Masters of Public Administration from University of Birmingham, United Kingdom (1994).

Mr. Sahu is also a director on the Board of various companies including National Aluminium Company Limited, and GSEC Limited.

Mr. Anil Jaggia

Mr. Anil Jaggia has been on the Board of YES BANK since January 24, 2019.

-Mr. Anil Jaggia ,Additional Director (Independent)

Mr. Anil Jaggia has nearly three decades of expertise in the Banking and Financial Services covering HDFC Bank, Centurion Bank of Punjab and Citi Bank. A senior banker with an impeccable leadership track record, Mr. Jaggia brings in considerable expertise in Information Technology along with other areas such as Customer Service, Operations, Financial inclusion, Enterprise Transformation, Quality Improvement, and Administration. He is presently an Advisor and Consultant in Financial Services sector.

Mr. Jaggia is ex-Group Head and ex-Chief Information Officer of HDFC Bank. He is well known in the Banking Industry as a Technology leader who spearheaded HDFC Bank’s IT function at a market leadership position. At HDFC bank, he also led various other functions like Financial Inclusion and Customer Service. As Chief Operating Officer, he was also a part of core leadership team which helped restructure and recapitalize Centurion Bank of Punjab. He has successfully executed three mergers, while integrating all business processes including IT system in record time. Mr. Jaggia has worked with Citibank in India, Singapore and USA in businesses covering Cash Management, International Trade, Foreign Exchanges & Derivatives, Asset Sale and Commercial Cards and worked across functional areas including Business Management, Product Management, Operations, Sales and Trading. He held the position of Head – Forex & Derivatives as his last assignment with Citi Bank in India.

Mr. Jaggia is an MBA (PGDM) from IIM Ahmedabad and B. Tech. from IIT Kanpur.

Currently on the Board of EpiMoney Private Limited, Mr. Jaggia served on the Boards of HDB Financial Services Limited (NBFC subsidiary of HDFC Bank Limited) in the past. He has also served on the Global Customer Advisory Board of IBM; and Global Customer Advisory Board of CISCO.

Mr. Ravinder Kumar Khanna

Mr. Ravinder Kumar Khanna has been appointed as (Non-Executive Non Independent) Indian Partner Representative Director of YES BANK on April 26, 2019.

-Mr. Ravinder Kumar Khanna ,Additional Director (Non-Executive Non-Independent)

Mr. Khanna has over 40 years of experience in Indian Industry. He started his career in the Process Industry at Ballarpur Industries Limited. He later promoted his own companies, M/s Techcraft (“Techcraft”) and Kwik Form Structurals Private Limited (“Kwik-form”). Techcraft developed a software technology park in Noida (U.P.) in the Year 2000 and currently provides infrastructure facilities for software development to various multinationals in India. Kwik-form was involved in manufacturing of pre-engineered steel buildings and has executed projects with Airports Authority of India, Central Public Works Department and Indian Railways.

Mr. Khanna is a B. Tech from Indian Institute of Technology (IIT), Delhi (1971) and Masters in Business Administration from Faculty of Management Studies (FMS), Delhi (1973).

Mr. Khanna has also served as President of Rotary Club of Delhi, Chankyapuri.

Ms. Shagun Kapur Gogia

Ms. Shagun Kapur Gogia has been appointed as (Non-Executive Non Independent) Indian Partner Representative Director of YES BANK on April 26, 2019.

-Ms. Shagun Kapur Gogia ,Additional Director (Non-Executive Non-Independent)

Ms. Gogia is the Founder and Managing Director of Tuscan Ventures which she founded in 2007. Tuscan was built with a focus on providing value based capital & operational expertise to building businesses around disruptive technologies, financial services, supply chain services & food.

Prior to founding Tuscan Ventures, Ms. Gogia was at ICICI Ventures, India's largest private equity fund, where she handled private equity placements in India. She has 20+ years of extensive experience in General & Financial Management of corporate bodies.

Ms. Gogia is a cum laude Double Major in Economics and Biology from Tufts University, USA. She also holds an MBA in Finance from the Indian School of Business, Hyderabad. Ms. Gogia is also a member of the Young Presidents Organisation (YPO).

Mr. R.Gandhi

Mr. R. Gandhi has been on the Board of YES BANK since May 14, 2019.

-Mr. R.Gandhi ,Non-Executive Non Independent Director (RBI Nominee)

Mr R. Gandhi is a financial sector policy expert and adviser. His expertise includes banking and non-banking regulation, payment systems, financial markets, FinTech and currency management. He served as a Deputy Governor of the Reserve Bank of India for three years from 2014 to 2017. With 37 years of experience, he has been a seasoned and accomplished central banker. He had a three year secondment to the Securities and Exchange Board of India (SEBI), the capital market regulator. He also held the charge of Director of the Institute for Development and Research in Banking Technology (IDRBT), Hyderabad.

In his long and illustrious career, Mr. Gandhi has been associated with various committees, working groups and task forces, both domestic and international. He was one of the initial members of the Monetary Policy Committee (MPC) and was a member of the Basel Committee on Banking Supervision (BCBS) and the Committee on Global Financial Systems (CGFS), Basel. At present, he advises banks, finance companies and fintech entities.

Mr. Gandhi has a master’s degree in Economics from the Annamalai University, in Tamil Nadu, India. He completed post graduate level certificates in Management Information System from the American University, Washington DC, USA and in Capital Market from the City University of New York, New York, USA. His technical education includes a certificate course in System Programming from the IBM Education, Sydney, Australia. He also has a certificate in Gandhian Thoughts from the Madurai University, Tamil Nadu, India.

YES Privileges Offers

why yes bank

YES BANK, India’s fourth largest private sector Bank

Know More

vision & mission

YES BANK has pursued a differentiated branding strategy in line with its objective of building the the Finest Quality Large Bank of the World in India

Know More

YES Bank Team

In case you are not satisfied with the resolution provided to you, please reach out to our YES Bank Team

Know More
download app
Android App for YES BANK
App Store for YES BANK
yes pay wallet

Digital Wallet with free Virtual card and UPI which can be used to send/receive money, mobile/DTH recharge, pay bills and much more

Read More