Inclusive Growth Through Strategic Banking Leadership
Recipient of the Indian Achievers Award for Business Leadership 2026, Mr Randhir Kotwal stands as a distinguished banking strategist and Assistant General Manager at Jammu and Kashmir Bank. With more than two decades of experience across corporate banking, project finance, and stressed asset resolution, he has built a career defined by strategic depth, financial prudence, and a strong commitment to national development.
Mr Kotwal is widely recognized for his sharp credit judgment and disciplined risk management approach. His ability to manage complex financial portfolios while maintaining regulatory integrity has consistently driven long term institutional value. By aligning policy frameworks with commercial objectives, he has strengthened stakeholder confidence and reinforced governance standards within the banking sector. His contributions were acknowledged through the prestigious Chairman’s Award for Best Resource in Institutional Relationship Management, underscoring his credibility and leadership within the financial ecosystem.
Beyond his operational excellence, Mr Kotwal exemplifies banking with purpose. He has actively advanced inclusive finance by pioneering strategic collaborations through Memorandums of Understanding with the National Divyangjan Finance and Development Corporation and the National Safai Karamchari Finance and Development Corporation. Through these partnerships, he has helped expand formal credit access to marginalized communities, empowering underserved groups with financial tools that promote dignity, entrepreneurship, and socio economic mobility.
His leadership philosophy centers on the belief that profitability must go hand in hand with social responsibility. By integrating inclusive growth into institutional strategy, he has demonstrated that financial success can coexist with meaningful societal impact. His work reflects a broader commitment to strengthening India’s economic resilience while ensuring that growth opportunities reach every segment of society.
Aligned with the national vision of Viksit Bharat 2047, Mr Kotwal continues to champion institutional excellence that contributes to financial sovereignty and sustainable development. The Indian Achievers Award for Business Leadership 2026 recognizes his transformative leadership, operational rigor, and unwavering dedication to building a more inclusive and robust Indian economy.
