CA Sandhya Kaushal Pal brings over 11 years of versatile experience to ARNAV & Associates, combining a strong foundation in the banking sector with the depth of professional practice. Her expertise spans credit appraisal, auditing, statutory compliance, taxation, and team leadership—making her an integral part of the firm’s advisory capabilities. Her background as a Chartered Accountant in banking gives her a unique edge in understanding both regulatory frameworks and real-world business challenges.

🟢 Extensive Banking Experience
CA Sandhya served as a Specialist Officer (Chartered Accountant) with Punjab & Sind Bank for over a decade, managing operations in both Jaipur and Chandigarh zones. She was responsible for credit assessment of high-value proposals, analyzing financial health, and ensuring rigorous due diligence during loan sanctions.

🔵 Leadership in Branch Management
In her tenure as Branch Manager, she successfully led branch operations, managed teams, and implemented strategies to drive business performance. Her ability to streamline workflows, improve customer service, and maintain compliance earned her a reputation for reliable leadership.

🟡 Audit and Compliance Expertise
Now in professional practice, she applies her detailed knowledge of statutory and regulatory frameworks to deliver audit and compliance services that meet the highest standards. Her familiarity with financial systems allows her to bridge the gap between industry expectations and client-specific needs.

🟣 Client-Centric Financial Advisory
Sandhya excels in creating financial strategies that align with client goals. Her consultative approach helps businesses make informed decisions, manage risks, and achieve sustainable growth—especially in areas such as taxation, finance structuring, and internal controls.

🔴 Professional Values and Vision
She is known for her problem-solving mindset, ability to perform under pressure, and unwavering commitment to deadlines. Driven by a passion for continuous learning and professional excellence, Sandhya’s vision is to deliver impactful solutions that add long-term value to clients and the firm.