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Name of prominent clients

The Kheda District Co-operative Bank Ltd.

  • I am retained as “Professional Advisor” of Kheda DCCB (having accumulated loss) where I have changed profile of the bank, created professional environment,
  • Corporate Governance, Introduce Systems and Procedures
  • introduced new Investment Policy/strategy,
  • internal Audit policy/system by CA, Internal Checks and Control and Vigilance System,
  • new HR policy, training to staff, monthly performance review of all branches
  • new loan/Credit policy, introduction new loan schemes etc.
  • Finding out CBS Vendor and implemented CBS in the Bank which become fully Core Banking Compliant, providing facilities of RTGS/NEFT to its clients, as also going to introduce Debit Card/ATM/Internet Banking shortly

AMUL Dairy, Anand

  • Professional Consultancy and Advisory Service in Banking, Finance, Legal Areas, Cooperative and Recovery Laws
  • transformation of Society/Union into Multi State Society
  • preparation of Professional bye-laws
  • Model HR policy
  • Model Purchase Policy
  • Model Internal Control and Audit policy

Ahmedabad District Co-operative Bank Ltd.

  • Cleansing of Balance Sheet
  • Strategy for reducing Bad Assets and NPA advances
  • Credit Policy
  • Introduce systems and procedures, preparation of Revised Bye-laws, H R policy, internal control and Audit policy, Delegation of powers etc.

SAATH Credit and Co-operative Society Ltd.

  • to convert the society into Cooperative Bank
  • expand Area of operations, new Bye-laws
  • to increase membership
  • Corporate Governance, introduction of system and procedures
  • to develop a vertical for Business development & financial literacy

The Gujarat State Co-operative Bank Ltd.

  • Corporate Governance, Introduce systems and procedures,
  • Preparation of Revised Bye-laws,
  • H R policy, internal control and Audit policy, Delegation of powers etc.

The Gujarat Co-operative Cotton Federation Ltd.

  • to work out revival Strategy
  • to develop new business
  • to help in legal issues, recover old dues from clients


A Company Limited by Shares not for profit U/s 25 of the Companies Act 1956


  • transformation of Microfinance Company to Multi State Coop Society
  • preparation of Bye-laws of Multi State Society
  • registration of Multi State Coop Society with Central Registrar of Cooperatives, Delhi

SBI Life Insurance Company Limited


Micro, Small and Medium Enterprise

Milestone industries

(Manufacturer of Vat dyes, Iron Powder, Tube etc.)

GIDC Naroda, Ahmedabad.

Super Crop Safe industries

(Manufacturer of Pesticides)

GIDC Naroda, Ahmedabad.

Jagdish Oilcake Industries

(Manufacturer of edible oils)

GIDC Naroda, Ahmedabad.

Acute Informatics Pvt. Ltd.

(Computer Software and Hardware)

Atlanta Tower, GulbaiTekra.

Ambavadi, Ahmedabad.

About Us

M/s R.Padia Associates is a Consultancy and Advisory firm promoted by shri Rajiv Padia, a well experienced Banker with an experience of 37 years of Banking in Commercial and Cooperative Banks.


Our services

  • Banking/Finance Sector
  • Fund Raising
  • Project Finance
  • Preparation of Banking Compliances
  • Bank Statements/CMA data
  • HR/Staffing/Training
  • Insurance Consultant

Contact Us

R.Padia Associates
A 1001 Infinity Tower,
Corporate Road, Besides Ramada,
Nr. Prahaladnagar Garden,
Ahmedabad – 380015
Gujarat, INDIA
Ph: (O) +91 79 40303580
         (M) +91 9727749790
E-Mail: rpadiaassociates@outlook.com