Ankit Agarwal

Ankit Agarwal is the co-founder, executive director and chief financial officer of Navi Limited.

Journey

Agarwal earned a computer science and engineering degree from IIT Delhi and an MBA from IIM Ahmedabad. He developed his career in investment banking, serving in senior roles at Deutsche Bank and Bank of America. That background gave him experience in financial institutions, capital markets and transaction execution before he moved into building a consumer-finance company.

He co-founded Navi with Sachin Bansal in 2018. The group entered lending, insurance, mutual funds and payments, using mobile products to reduce application time and distribution costs. Navi's official governance profile identifies Agarwal as executive director and CFO of Navi Limited; he also serves as a non-executive director in group entities. His responsibilities include finance, funding, risk oversight and the capital needed to support regulated subsidiaries.

Working approach

Agarwal brings a finance and governance perspective to a founder-led technology group. His role requires matching growth plans with capital adequacy, reporting discipline and regulatory expectations rather than treating funding as separate from product strategy.

Assessment

His contribution is complementary to Bansal's product and technology focus. The important measure is whether Navi can use its digital model to deliver transparent, responsible financial products while maintaining strong controls across different regulated businesses.