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Shyamala Gopinath (born 20 June 1949) is Chairperson of HDFC Bank, India's largest lender by market capitalization. Ms. Gopinath is a former deputy governor of the Reserve Bank of India (RBI), a position she served for seven years. She was actively involved in managing India's balance of payments crisis in 1991 that led to the first round of economic liberalization. Making the returns of small saving schemes market-linked was one of most significant recommendations made by the Shyamala Gopinath panel, constituted on July 8, 2010. Finally, the Government of India in February 2016 notified that instead of annual resetting of interest rates for the next financial year, the interest rates from now on will be reset every quarter based on the G-Sec yields of the previous quarter. She had earlier assisted the second Narasimhan committee on banking sector reforms. A Certified Associate of the Indian Institute of Banking and Finance (1974), she has completed master's degree in commerce from University of Mysore (1980). From Wikipedia