Chandra Shekhar Ghosh | |
|---|---|
 Ghosh in 2021 | |
| Born | 8 August 1960 Bishalgarh, Tripura, India |
| Nationality | Indian |
| Alma mater | |
| Occupation | MD & CEO of Bandhan Bank [1] |
| Spouse | Nilima Ghosh |
| Children | Angshuman Ghosh |
Chandra Shekhar Ghosh, (born in August 8, 1960 at Bishalgarh in Tripura, India) is the Founder, MD & CEO of Bandhan Bank. [2] He has been one of the foremost proponents of financial inclusion in India. He has more than 30 years of experience in the microfinance and development terrain.
Ghosh's father, Late Haripada Ghosh, owned a sweet shop in Tripura. [3] Even as a student, Ghosh supported his father at the shop. After completing his education, he joined BRAC, Bangladesh’s largest non-government organisation (NGO). After returning to India, Ghosh worked with several NGOs, before quitting his last job at the Village Welfare Society. He then established Bandhan-Konnagar, a not-for-profit organisation in West Bengal, which aimed to provide microfinance services to the marginalised, thereby driving financial inclusion. [4]
Ghosh holds a Master’s degree in Statistics.
Ghosh started Bandhan-Konnagar in 2001. The NGO extended micro-credit to marginalised women to help them become entrepreneurs. In 2009, the microfinance portfolio of the NGO was transferred to the NBFC, which Bandhan had acquired in 2006. [5] Gradually, the organisation expanded its operations to various states of the country. In 2010, Bandhan became the largest microfinance institution in India.
In 2014, Bandhan received an in-principle approval from the Reserve Bank of India to set up a universal bank. The final licence was obtained in June 2015. Bandhan Bank started operations on August 23, 2015, [6] with Ghosh as the MD & CEO. This is the first-ever instance of an Indian microfinance institution becoming a universal bank. [7] Incidentally, Bandhan Bank is also the first bank to be set up in Eastern India since Independence.
Besides being the former Chairman of The Confederation of Indian Industry (CII), Eastern Region, and the former President of Bengal Chamber of Commerce & Industry (BCC&I), he is also associated with various other industry bodies.
Ghosh’s wife, Nilima, is an entrepreneur. His son, Angshuman, is currently a management student in England.
Microfinance consists of financial services targeting individuals and small businesses who lack access to conventional banking and related services. Microfinance includes microcredit, the provision of small loans to poor clients; savings and checking accounts; microinsurance; and payment systems, among other services. Microfinance services are designed to reach excluded customers, usually poorer population segments, possibly socially marginalized, or geographically more isolated, and to help them become self-sufficient. ID Ghana is an example of a microfinance institution.
Vijay Mahajan is the chief executive officer (CEO) of the Rajiv Gandhi Foundation and the director of the Rajiv Gandhi Institute of Contemporary Studies.
Financial inclusion is the availability and equality of opportunities to access financial services. It refers to processes by which individuals and businesses can access appropriate, affordable, and timely financial products and services - which include banking, loan, equity, and insurance products. It provides paths to enhance inclusiveness in economic growth by enabling the unbanked population to access the means for savings, investment, and insurance towards improving household income and reducing income inequality
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