We’d like to introduce to you, some of the people who make NHFL what it is today. Learn more about our Board Of Directors and Management.
Mr Chokkalingam Palaniappan is an MBA Finance from Thunderbird School of Global Management, USA and a Bachelor’s degree in Mechanical Engineering from NIT, Jamshedpur. After serving in USA for more than six years as a Management Consultant, he moved to India and started Prakala Wealth Management Pvt. Ltd. in the year 2006.
The company provides Wealth Management, Business and Financial Advisory Services. He has worked in India, Iran, Greece, and USA in various roles. He regularly writes articles in the Tamil personal finance magazine called “Nanayam Vikatan” & the Tamil Daily “The Hindu”. Also he participates in talk shows in financial related matters in Sun News channel. He has deep knowledge in finance, risk management, strategy, business development, and operations.
Mrs. Devikala Venkatkumar has earned B.Sc in Chemistry and Diploma in Computer Applications. She is a Director in Kuvera Real Assets and Consulting Private Ltd. She has deep investment experience in Financial Markets and actively involves herself in voluntary activities.
Mr. Sockalingam completed his B.Com from Madurai Kamaraj University in the year 1990. For 12 years, from 1990 to 2002, he was working with Mittal Trading Company, Sivakasi. Since 2002, till date he is owning and managing SONA PAPER BOARDS. The main activity of the business is marketing of paper and boards for leading paper dealers and producers throughout India.
Mr. Ramanathan served as Asst. General Manager with erstwhile Bank of Madura Ltd. and continued with ICICI Bank after the merger. He was instrumental in growing the business of Bank of Madura Ltd. and enlarging the bank’s branches in states such as Gujarat, Maharashtra, Goa and other Northern States. He is well versed with all kinds of activities in the banking arena such as regulation, operations, administration, and business development. He has deep knowledge in the areas of controls, regulatory compliance and strategy.
Mr.Balamurugan Neelamegam has 19+ years of experiences as a Chartered Accountant and being a fellow member of CMA fuels my expertise in credit processing, due diligence, and post-sanction audits.
CPR Kamaraj is a senior Advocate and Arbitrator with more than 35 years of experience in banking, recovery, civil, criminal, and arbitration matters. Enrolled with the Bar Council of Tamil Nadu in 1991, he has built strong expertise in handling legal matters for Banks, NBFCs, corporate companies, and individual clients.
He has served as Central Government Counsel during 2001–2006 and 2010–2014 and has extensive experience before the High Court, DRT, DRAT, Consumer Forums, and Arbitration Tribunals. His practice mainly focuses on SARFAESI matters, debt recovery, legal opinions, title verification, legal audits, and banking documentation.
Mr. Kamaraj also acts as an Arbitrator for reputed institutions including IndusInd Bank, TVS Credit Services, and Hinduja Leyland Finance. In criminal law, he has handled several cheque dishonour cases under Section 138 of the Negotiable Instruments Act along with bank fraud and enforcement-related matters.
He is currently a Panel Advocate for organizations such as State Bank of India, Hinduja Leyland Finance, TVS Electronics Ltd., and other financial institutions. With offices in Chennai and Bengaluru and a dedicated legal team, he continues to provide professional and result-oriented legal services.
Mr. K.R. Sharath Kumar is a seasoned sales professional with over 28 years of experience in Banking, Financial Services, and Telecom. He has expertise in asset lending, including Commercial Vehicles, Construction Equipment, Mortgages, and SME/MSME loans. Throughout his career, he has recruited and trained over 1500 professionals, set up branches, channels, and distribution networks, and built businesses from the ground up. He also specializes in loan recovery across various segments.
Mr. Meenakshi Sundaram, B.E. (Hons.) and Certified Associate of the Indian Institute of Bankers (CAIIB), is a seasoned banking professional with over four decades of expertise in credit administration, stressed asset management, and business development.
He has served as President – Corporate Banking at Lakshmi Vilas Bank, overseeing the entire credit portfolio and recovery operations, and held senior leadership roles at Canara Bank, including General Manager (Scale VII) of the Chennai Circle and Deputy General Manager (Credit) of the Mumbai Circle, managing the bank’s largest credit portfolio. His core strengths span SME and corporate lending, risk management, and operational excellence.
He currently serves as Independent Director of ITCOT Ltd. (a joint venture of the Tamil Nadu Government and bankers, since 2019), RAR Fincare Ltd. (an NBFC, subsidiary of the GRT Group, with an AUM of ₹200 crore, since 2022; member of the Risk and CSR Committees), and Navarathna Housing Finance Ltd. (a housing finance company, since 2022; member of the Risk Management, Audit, and Nomination & Remuneration Committees).
Mr. K. Sairaman is an experienced finance professional with over 16 years of expertise in the NBFC and Housing Finance sector. He was working as Cluster Credit Manager at Niwas Housing Finance Private Limited, where he independently managed multiple branches across Vellore, Villupuram, Tiruvannamalai, Tirupattur, and Pondicherry.
He has strong specialization in credit underwriting for salaried and self-employed customers, eligibility assessment, PD-based evaluation, disbursement, and recovery management.
Prior to this, he spent nearly 11 years with Can Fin Homes Limited as Deputy Manager and earlier worked with Shriram Transport Finance Company Limited, gaining extensive exposure to credit appraisal, documentation, audits, and asset finance operations.
A B.Com graduate, he brings strong market knowledge, operational discipline, and relationship-building skills that consistently support credit quality and business growth.
Having 20 years of experience in the field of collection and recovery. Started the career as collection executive in the banking sector and moved to FedEx as Sr.credit collection executive handling overall Tamil Nadu collection team. Have been handling bucket cases to NPA (non-performing assets) cases throughout the career and achieved 80-90 percent recovery. Have handled various products like vehicle, home loan, etc;.
Ms. Pavithra is an experienced finance professional with over 7 years of expertise in financial management, accounting, internal audit, statutory compliance, GST, TDS, and finalisation of accounts. She has gained diverse experience through her association with CA firms, corporate finance teams, and educational institutions, developing strong capabilities in financial reporting, accounting operations, and compliance management.
As the Chief Financial Officer of Navarathna Housing Finance Limited, she oversees the Company’s financial operations, management reporting, fund flow, accounting, audit coordination, and statutory compliance. She is proficient in Tally ERP/Prime and MS Office and brings strong analytical skills, accuracy, and attention to detail to financial decision-making and reporting. Her collaborative approach with the management, auditors, and various business functions supports sound financial governance and efficient financial operation.
Mrs. Prabha Shanmugam is an experienced professional with over 10 years of experience in human resources, administration, business operations, and compliance-related functions. She has expertise in policy implementation, regulatory compliance, process monitoring, documentation, and organisational governance. She holds an MBA in Human Resources and Finance and has worked with organisations including Haritha Automation Pvt. Ltd. and Priyashub Pvt. Ltd., handling HR, payroll, administration, and business operations.
As the Chief Compliance Officer of Navarathna Housing Finance Limited, she oversees the Company’s compliance framework and supports adherence to applicable regulatory requirements, internal policies, and procedures. She works closely with various departments to strengthen compliance practices, internal controls, documentation, and process discipline, contributing to effective governance and a strong culture of compliance across the organisation.