Mr. Motilal Oswal is the Chairman and Managing Director of Motilal Oswal Financial Services Ltd. (MOFSL). He is a Chartered Accountant and started the business along with co-promoter, Raamdeo Agrawal in 1987.

Oswal has served on the Governing Board of the BSE, Indian Merchant’s Chamber (IMC) and has also served on various committees of BSE, NSE, SEBI and CDSL. He is the President of the Jain International Trade Organization (JITO) and has been awarded the Rashtriya Samman Patra by the Government of India for being amongst the highest income tax payers in the country for a period of 5 years.

For his work and contribution to the capital markets, Mr. Oswal has been felicitated with several awards and accolades including:

• ‘Excellent Business Achiever in Financial Services’ Award by the Institute of Chartered Accountant of India
• ‘Rajasthan Ratna Manav Seva’ Award by Manav Seva Trust
• ‘Special Contribution award to Indian Capital Markets’ Award by Zee Business
• The Hall of Fame for Excellence in Franchising’ by Franchising World Magazine
• ‘Champion of Arthshastra’ by the Rotary Club
• ‘Durgadevi Saraf Puraskar’ by Marwadi Sammelan for extraordinary contributions in the field of Trade & Industry
• Samaj Ratna’ Award at the hands of Her Excellency President Smt. Pratibhatai Patil in Rashtrapati Bhawan

Mr. Oswal has authored two books of quotations on ‘The Essence of Business & Management’ and ‘The Essence of Life’

Sanjay has been in to Mortgage Finance Industry for more than two decades, he has varied experience in SME, Home Finance, Infrastructure, Construction Finance and Micro Finance. 'Affordable Home Loans' has emerged in the last 3-4 years, and has become a niche industry in itself. His definition to this industry - It's all about customer profile and not WEAK collaterals. Prior to joining AHFCL, he has worked with Indostar Capital as “Chief Risk Officer”. His domain expertise is into Credit Risk, Operational Risk, Collections & Fraud Control, Compliance, Risk Management, oversight on Market Risk etc. In his earlier stints, he has worked in several leadership roles with Reliance Capital Limited, Centurion Bank of Punjab Limited, IDBI Bank Limited, ICICI Bank & Reliance Telecom Limited. He holds a Masters degree in commerce from Nagpur University. He is Certified Professional Coach and Professional Trained Trainer.

Mr. Navin Agarwal is the Managing Director of Motilal Oswal Financial Services Limited. He is responsible for the Institutional Broking & Investment Banking Businesses and has been instrumental in building a market leading position in the Institutional Broking business. Under his leadership, the firm has been rated as The Best Indian Brokerage House by Asiamoney. Leveraging on the dominant

positioning in institutional business, he has also been instrumental in building an Institutional Derivatives business when derivative products were introduced in the Indian markets. As a member of the board, Mr Agarwal believes in leveraging the core strengths of a strong brand, a vast distribution network and unmatched research capabilities and has been closely involved in strategizing and reviewing all the other business of the MOFSL.

He started his career as a Senior Analyst with Insight Asset Management in 1994. In the year 1996, he was appointed the Head of Research & subsequently took up the additional responsibility of Portfolio Management in 1998. Mr. Navin Agarwal is affiliated with prestigious organizations like Institute of Chartered Accountants of India, Institute of Cost and Works Accountant of India, Institute of Company Secretaries of India and CFA Institute, Virginia.

He has also co-authored a Book ‘India’s Money Monarchs’ featuring interactions with India’s leading investment managers. His hobbies are reading and travelling.

Mr. Raamdeo Agrawal is a Chartered Accountant and the Joint Managing Director of Motilal Oswal Financial Services Limited (MOFSL) and also the co-founder of Motilal Oswal Securities Limited. He is the man behind the strong research capabilities at Motilal Oswal Financial Services Ltd. A keen believer and practitioner of the QGLP philosophy, his wealth creation insights and decades-rich experience have played a pivotal role in MOFSL, transforming it from a small stock broking firm to a well-diversified financial services company.

Mr. Agrawal is an Associate of Institute of Chartered Accountants of India and also a member of the National Committee on Capital Markets of the Confederation of Indian Industry. He has received the “Rashtriya Samman Patra” awarded by the Government of India for being amongst the highest Income Tax payers in the country for a period of 5 years from FY95–FY99. He was also conferred with the ‘Special contribution to Indian Capital Market Award’ by Zee Business in 2011.

Mr. Agrawal has been authoring the annual Motilal Oswal Wealth Creation Study since 1996. In 1986, he wrote the book ‘Corporate Numbers Game’, along with co-author, Ram K Piparia. He has featured on `Wizards of Dalal Street on CNBC TV 18` and also compiled a book of investing insights called ‘Wealth Creation Thoughts’.

Mr. Manian has completed his post-graduation in Management specializing in Finance and System applications. He has also completed a gradation course in General Law. He has about 20 years of experience in Risk Management in retail Asset financing especially in the space of Home Finance and Corporate Finance.

He is a Risk professional specialized in setting up Risk Framework, Policy and automation of Risk processes for Banks/NBFCs which includes BASEL Risk Management Implementation, Rating Assessment Models, Anti Money Laundering, Rule engines, work-flow management, Operations Risk and Market Risk.

He was Head of Risk Solutions at IDFC Bank where he was part of setting up the Risk Solutions for Retail and Corporate Banking. He was Head of Risk Management in Reliance Home Finance where he used to manage Mortgage Loans – Home Loans, Home Equity, Construction Finance and Inventory Funding. He has worked in organizations like Kotak Mahindra Bank (erstwhile ING Vysya Bank), GE Money, ICICI Bank, Sundaram BNP Paribas and HDFC Ltd.

Mr. Goyal is having an experience of 25+ years in operations. He is been associated with Motilal Oswal group for 11 years. He has worked with Karvy, Birla and UTI. He joined AHFCL in 2017.