Upma Goel

Upma Goel

Independent Director

Upma Goel is the Non-Executive, Independent Director of our Company. She brings over three decades of leadership experience across the BFSI sector, with deep expertise in corporate governance, capital markets, M&A’s, enterprise risk management, and regulatory compliance.

An Indian Institute of Corporate Affairs (IICA) -certified Independent Director, Upma serves on the boards of several leading financial services organizations, including Religare Finvest Limited, Care Health Insurance Limited, StarAgri, and Farmers Fortune (India) Private Limited, where she provides strategic guidance and robust oversight.

Upma previously served as Group Chief Financial Officer of Piramal Enterprises Limited, where she led financial governance, capital allocation, and regulatory reporting, and played a pivotal role in the organization’s restructuring and integration initiatives. Prior to this, she was the Chief Financial Officer and Key Managerial Personnel (KMP) at Ujjivan Small Finance Bank Limited, where she oversaw the bank’s IPO and its transition into a scheduled commercial bank. Earlier, she served as Group Deputy CFO at L&T Finance Holdings, contributing to strategic M&A and financial transformation initiatives.

A qualified Chartered Accountant, Upma holds a Bachelor of Commerce degree from the University of Delhi. She has received several industry accolades, including recognition as one of India’s most impactful CFOs.

Knowledgewise

Agri Finance Technology: How Data is Making Agricultural Lending Smarter
September 24, 2026

Agri Finance Technology: How Data is Making Agricultural Lending Smarter

What does a lender really need to know before financing an agricultural business Traditional answers might include income, collateral, credit history and financial statements But agriculture doesn't always fit neatly into those boxes A trader's financial position may depend on inventory An FPO may have seasonal cash flows A farmer's repayment capacity can be connected to crop cycles An...

What Factors Determine Farmer Loan Interest Rates in India?
September 17, 2026

What Factors Determine Farmer Loan Interest Rates in India?

Two farmers apply for agricultural finance Their farms may be in the same district They may even grow the same crop Yet the interest rates or overall financing terms offered to them can differ Why Because farmer loan interest rates are rarely determined by a single factor Lenders look at the type of loan, borrower profile, repayment capacity, collateral, tenure, credit history, and the...