Ahmedabad, Gujarat, India, November 2025 — RATNAAFIN, one of India’s fastest-growing non-banking financial companies (NBFCs), has announced the appointment of Kamal Doshi as Business Head – Mortgages, Retail & Strategic Alliances. With over 16 years of experience in financial services and mortgage lending, Kamal’s appointment is a strategic move to strengthen the company’s retail finance portfolio and expand its mortgage business across key markets in India.
In his new role, Kamal will focus on accelerating business growth in the mortgage segment, building strategic partnerships, and enhancing customer access to tailored financial solutions. He will play a key role in shaping RATNAAFIN’s retail business strategy, driving innovation, and creating value-driven alliances that empower India’s entrepreneurs and retail borrowers.
Before joining RATNAAFIN, Kamal had a distinguished career at Kotak Mahindra Bank, where he spent over 16 years in various leadership roles. Most recently, he served as National Sales Manager – Emerging Mortgage Markets, leading expansion initiatives across emerging regions and driving significant portfolio growth. Earlier, as Area Sales Manager – Loan Against Property, he was instrumental in establishing new markets in Gujarat, Indore, and Bhopal, while his tenure as Area Credit Manager – Loan Against Property strengthened his expertise in secured lending and credit operations.
Kamal’s journey at Kotak began in the unsecured lending business, where he served as Regional Sales Manager and Area Credit Manager, overseeing sales, underwriting, and product design for Gujarat. His diverse experience across both secured and unsecured products has equipped him with deep business insight and a holistic understanding of customer needs in the financial services space.
About RATNAAFIN
Ratnaafin Capital, rated CRISIL A+, is among India’s fastest-growing NBFCs, backed by the Ratnamani Sanghvi family group, with diversified interests across engineering, pharmaceuticals, real estate, and finance. The company’s mission is to empower MSMEs and entrepreneurs through fast, transparent, and tailored financial solutions. With a strong focus on mortgages, working capital, and growth funding, Ratnaafin positions itself as a long-term partner in business expansion, combining deep industry knowledge with the agility of execution.
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