Sh. Kristam Subba Raju Guptha
Non-official Director
Professional Background
Shri K. Subba Raju Guptha is a senior Advocate with more than four decades of continuous professional experience. A graduate in Science and Law, he enrolled as an Advocate in 1986 and has since remained in active legal practice in High Courts, District Courts, Tribunals, Consumer Forums, Revenue adjudicators, trail courts, sessions courts and arbitrations.
His practice spans civil, commercial, property, revenue, direct-taxation and banking-related matters. Over the course of his career, he has developed a strong understanding of legal, regulatory, financial, governance and institutional frameworks.
Direct Taxation Expertise
Shri Guptha has considerable expertise in direct taxation, gained through sustained legal practice and professional involvement in income-tax-related matters. His experience includes income-tax compliance, assessment proceedings, statutory notices, appeals, documentation, tax planning and representation before appropriate authorities.
His knowledge of direct-tax law, combined with his experience in property, commercial and banking matters, enables him to assess financial and regulatory issues from a comprehensive legal and institutional perspective.
Agricultural and Rural Commerce Experience
Shri Guptha comes from a rural and agricultural background in Andhra Pradesh and has remained closely associated with cultivation and agricultural operations. This practical exposure has given him a clear understanding of farming, rural livelihoods, agri-business and the challenges faced by the agricultural community.
His family has been engaged for more than two generations in the wholesale trade of groundnut, rice and other food grains. Through this long-standing association, he has gained practical insight into agricultural marketing, commodity movement, rural commerce, and the credit and banking requirements of farmers, traders and small business enterprises.
Agro-Processing and Rural Entrepreneurship
The family’s association with agro-processing activities, including a groundnut decorticator and rice hulling factory, has further provided Shri Guptha with practical knowledge of small-scale industrial operations, value addition in agriculture and rural entrepreneurship.
His combined exposure to agriculture, rural trade, agro-processing, law and public affairs enables him to understand the financial needs and developmental aspirations of farmers, agricultural traders, rural entrepreneurs and small industries.
Banking, Law and Institutional Knowledge
In the course of his professional career, Shri Guptha has developed special knowledge and practical experience in agriculture, the rural economy, co-operation, banking, law, finance, marketing and agro-based commerce.
- Presently empanelled as an Advocate with Karnataka Bank and Karur Vysya Bank.
- Earlier associated as a Legal Adviser/Advocate with State Bank of Hyderabad, prior to its merger with State Bank of India.
- Experienced in banking documentation, legal due diligence, security-related matters, recovery issues and the responsibilities of financial institutions.
Contribution to Governance and Responsible Banking
Shri Guptha’s experience as an Advocate, his expertise in direct taxation, his agricultural and agro-business background, his exposure to banking-related work and his long public and organisational engagement provide him with a balanced perspective on governance and institutional responsibility.
He is committed to the values of integrity, independence, accountability and public service, and seeks to contribute meaningfully to the Bank’s objectives in agriculture, rural development, financial inclusion, customer service, sound governance and responsible banking.
