Ms. Karnad holds a Master’s degree in Economics from the University of Delhi and a Bachelor’s degree in law from the University of Mumbai. She is a Parvin Fellow, Woodrow Wilson School of public and International Affairs, Princeton University, USA. She brings with her rich experience and enormous knowledge of the mortgage sector, having been associated with real estate & mortgage industry in India for over 40 years. Ms. Renu Sud Karnad joined HDFC Ltd. in 1978. She was inducted onto its Board in 2000 and currently hold the position of Managing Director. She has been instrumental in building the retail distribution network at HDFC and has played key role in introducing several innovative & customer friendly products and services in the mortgage market. She has always been an ardent technology evangelist and has been at the forefront of digital transformation in the company. Apart from being HDFC’s brand custodian, Ms. Karnad is the guiding force behind formulation of the organization's communication strategy and public image. As a part of the management team, Ms. Karnad has played an important role in the successful transformation of HDFC into India's leading Financial Services Conglomerate.
