Desh Raj Dogra is an Non-Executive Independent Director of our Company. He holds a bachelor’s and a master’s degree in science from Himachal Pradesh University and a master’s degree in business administration from University of Delhi. He is also a certificated associate of the Indian Institute of Bankers and has over 37 years of experience in the financial sector, mainly in the areas of banking and credit rating. He was associated with Dena Bank for 15 years and has retired as a Managing Director and Chief Executive Officer of CARE Ratings.