Renu Sud Karnad, 

She has been at HDFC for 37 years, but still looks forward to getting to work every morning. Her love for the job shows in the numbers. Under Karnad, the housing finance company's total assets grew by Rs 27,000 crore and the loan book jumped by 20% over the previous year. HDFC has added 22 new locations. Karnad’s big push was reaching rural customers; in the year under review, that has expanded into HDFC Reach, a product targeted at the unorganised sector. Her advice to all home buyers, first-timers or otherwise, is “to read the fine print”.