MD & CEO
Ummeed Housing Finance Private Limited (Ummeed) is a housing finance company registered with National Housing Bank (NHB) under National Housing Bank Act, 1987.
Mr. Netrapal Singh Raghav
Managing Director & Chief Executive Officer
He is a seasoned financial services professional with over two decades of experience in housing finance, mortgage lending, and retail banking. He is widely recognized for his ability to build and scale businesses, manage credit risk, and ensure strong regulatory compliance, making him a respected leader in the NBFC and housing finance sector.
He holds a B.Com (Hons.) from Jai Narain Vyas University, Jodhpur, and an MBA in Finance & Marketing from EMPI Business School, New Delhi, along with an Advanced Management Program from Kellogg School of Management, USA (2018). His expertise spans housing finance operations, credit underwriting, portfolio risk management, retail lending, and NBFC operations, with a strong understanding of RBI and NHB regulatory frameworks.
A key highlight of his career is his leadership at Aditya Birla Housing Finance Limited (ABHFL), where he played a pivotal role in building the organization from inception and later served as Chief Executive Officer. Under his leadership, the company scaled to ~₹13,000 crore AUM, expanded to 300+ branches, and built a team of over 2,000 employees. He also led portfolio diversification into affordable housing, creating a balanced mix of prime and affordable loans.
Mr. Raghav has demonstrated strong risk management capabilities, improving GNPA levels from ~1.5% to ~1%, even during challenging periods. He also drove digital transformation initiatives, including paperless onboarding, automated credit approvals, and geo-tagging, enhancing efficiency and customer experience.
Prior to ABHFL, he held leadership roles at Standard Chartered Bank, ICICI Bank, IDBI Bank, and HDFC Ltd., gaining deep experience in mortgage operations, portfolio management, and retail lending.
He brings strong experience in governance and regulatory engagement, with exposure to board-level discussions and full P&L responsibility, overseeing credit, risk, collections, and compliance.
Overall, Mr. Raghav is known for his strategic vision, execution excellence, and customer-centric approach, with a proven ability to build institutions, drive sustainable growth, and maintain strong asset quality in the housing finance sector.
