HDFC Bank vs Twilio: Founders, CEOs and History
HDFC Bank was founded in 1994 by Hasmukhbhai Parekh and is led by Sashidhar Jagdishan. Twilio was founded in 2008 by Jeff Lawson, John Wolthuis, Evan Cooke and is led by Khozema Shipchandler.
Company facts
Founders
HDFC Bank
Hasmukhbhai Parekh
Hasmukhbhai Thakordas (H.T.) Parekh founded Housing Development Finance Corporation (HDFC) in 1977, at age 66, after a long career at ICICI.
Twilio
Jeff Lawson
Jeff Lawson co-founded Twilio in 2008 and was CEO until January 2024, leading it through its 2016 IPO and the SendGrid and Segment acquisitions. He wrote Ask Your Developer (2021) about developer-led software.
John Wolthuis
John Wolthuis co-founded Twilio in 2008. He architected the initial telephony backend that allowed developers to send text messages and make phone calls using a simple web API.
Evan Cooke
Evan Cooke co-founded Twilio and served as its first CTO. He was instrumental in designing the company's highly reliable cloud architecture, ensuring the API could scale to handle massive, instantaneous spikes in SMS traffic (such as during Uber surges or Airb…
CEOs and their tenures
HDFC Bank
- Aditya Puri1994–2020
Managing Director
Over 26 years as CEO, he built HDFC into India's largest and most highly valued private sector bank, maintaining pristine asset quality throughout multiple economic cycles.
Source - Sashidhar Jagdishan2020–present
Managing Director and Chief Executive Officer
Steered the bank through the RBI technology restrictions and the largest merger in Indian banking, while keeping gross NPAs near 1.2%.
Source - Atanu Chakraborty2021–2026
Part-time Chairman
Former Economic Affairs Secretary who chaired the board through the HDFC Ltd merger; resigned on March 18, 2026, citing ethical concerns. Keki Mistry served as interim chairman until Rajiv Kumar's appointment.
Source - Rajiv Kumar2026–present
Part-time Chairman
He managed the complex post-merger integration processes to ensure the massive combined loan book maintained strict asset quality.
Source
Twilio
- Jeff Lawson2008–2024
Co-founder and CEO
As the long-time CEO, he aggressively scaled the company into a $60 billion behemoth before intense pressure from activist investors forced him to resign in 2024 following growth stagnation.
Source - Aidan Viggiano2023–present
Chief Financial Officer
As CFO, she strictly enforces the new profitability mandates, cutting massive amounts of real estate and software expenses across the enterprise.
Source - Khozema Shipchandler2024–present
Chief Executive Officer
Taking over as CEO in 2024, he shifted the company's focus away from unprofitable hyper-growth toward heavily optimizing the highly lucrative core communications platform.
Source
Timeline: HDFC Bank and Twilio side by side
1994HDFC Bank
HDFC Bank Incorporated
HDFC Bank is incorporated as one of India's new private-sector banks.
1995HDFC Bank
Banking Operations Begin
The bank begins operations and builds a private-sector banking franchise.
2000HDFC Bank
Times Bank Merger
HDFC Bank merges with Times Bank, one of its early scale-building deals.
2008Twilio
Company Founded
Jeff Lawson, Evan Cooke, and John Wolthuis founded Twilio and launched its first voice API for developers.
2010Twilio
SMS API Launched
Twilio added programmable SMS, which became its largest product line.
2015Twilio
Authy Acquired
Twilio acquired the two-factor authentication company Authy in 2015.
2016Twilio
NYSE IPO
Twilio listed on the NYSE under the ticker TWLO in June 2016, pricing shares at $15.
2019Twilio
SendGrid Acquisition
Twilio completed its all-stock acquisition of email platform SendGrid, announced at about $2 billion.
2020HDFC Bank
Sashidhar Jagdishan Becomes CEO
Sashidhar Jagdishan succeeds Aditya Puri as managing director and CEO in October 2020.
2020Twilio
Segment Acquisition
Twilio acquired customer data platform Segment for about $3.2 billion, its largest deal.
2021Twilio
Revenue Passes $2.8 Billion
Twilio reported FY2021 revenue of $2.842 billion, up 61% year over year, with a net loss of $949.9 million.
2023HDFC Bank
HDFC Ltd Merger Completed
HDFC Bank completes the merger with parent HDFC Ltd, creating a much larger banking balance sheet.
2023Twilio
Restructuring
Twilio cut about 17% of its workforce in February 2023 and made further reductions later in the year as it shifted toward profitability.
2024Twilio
CEO Transition
Co-founder Jeff Lawson stepped down as CEO in January 2024 and Khozema Shipchandler succeeded him.
2025Twilio
First Full-Year GAAP Profit and Stytch Deal
Twilio reported FY2025 revenue of $5.067 billion and net income of $33.8 million, and completed its acquisition of identity platform Stytch on November 14, 2025.
2026HDFC Bank
FY2025-26 Net Revenues Reach INR 1,91,218.60 Crore
HDFC Bank reports ~$22.2 billion (INR 1,91,218.60 crore) in net revenues and ~$8.66 billion (INR 74,671.30 crore) in profit after tax.
2026HDFC Bank
Rajiv Kumar Becomes Chairman
After Atanu Chakraborty resigned in March 2026, the RBI approved Rajiv Kumar as part-time chairman effective July 15, 2026.
2026Twilio
Growth Re-accelerates
Twilio reported Q2 2026 revenue of $1.50 billion, up 22%, and raised its 2026 revenue growth outlook to 18%-18.5%.
Acquisitions
HDFC Bank
- HDFC Ltd. (Reverse Merger)2023Undisclosed
- Centurion Bank of Punjab2008Undisclosed
Questions about HDFC Bank vs Twilio
Who is the CEO of HDFC Bank Limited and Twilio Inc.?
HDFC Bank Limited is led by Sashidhar Jagdishan and Twilio Inc. is led by Khozema Shipchandler. Both serve as the top executive responsible for the company's strategy, operations, and financial performance.
When was HDFC Bank Limited founded vs Twilio Inc.?
HDFC Bank Limited was founded in 1994 — 14 years before Twilio Inc., which was founded in 2008. HDFC Bank Limited's longer operating history gives it a deeper track record but also potentially more institutional inertia compared to the younger Twilio Inc..
How many employees does HDFC Bank Limited have compared to Twilio Inc.?
HDFC Bank Limited employs approximately 211,178 people, while Twilio Inc. employs approximately 5,492. HDFC Bank Limited has the larger workforce at 211,178 employees, compared to Twilio Inc.'s 5,492. A higher headcount does not necessarily imply greater efficiency — it often reflects differences in business model (e.g., manufacturing vs. software).
Where are HDFC Bank Limited and Twilio Inc. headquartered?
HDFC Bank Limited is headquartered in India and Twilio Inc. is headquartered in United States. Their different home markets mean they may face different regulatory frameworks, tax regimes, and currency exposure.
Who founded HDFC Bank Limited and Twilio Inc.?
HDFC Bank Limited was founded by Hasmukhbhai Parekh. Twilio Inc. was founded by Jeff Lawson, John Wolthuis, Evan Cooke.
Which company has a longer operating history — HDFC Bank Limited or Twilio Inc.?
HDFC Bank Limited has been operating for approximately 32 years, making it the more established of the two companies. Twilio Inc. has been in operation for around 18 years. A longer operating history often signals greater institutional resilience and brand recognition, though it can also mean slower adaptation to new market conditions.
Figures come from each company's filings and the sources linked beside them. Amounts reported in another currency are shown in US dollars at an approximate rate and marked with ~. Back to the HDFC Bank vs Twilio overview