Reserve Bank of India (RBI) set up a five-member Standing External Advisory Committee (SEAC) which is headed by which person for evaluating applications for universal banks and small finance banks (SFBs)?

• A. Usha Thorat
• B. Aditya Puri
• C. Shyamala Gopinath
• D. Sashidhar Jagdishan
• E. None of these