Thorat is the deputy governor of the Reserve Bank of India. Born in 1950, she did her master's degree in economics from the Delhi School of Economics; and in 1972 joined the Reserve Bank.

She is in charge of the department of currency management, Deposit Insurance and Credit Guarantee Corporation, inspection department, premises department, rural planning and credit department and urban banks department.

She has also been member of many important RBI committees: Group of State Finance Secretaries on Fiscal Risk of Guarantees; Group on Ways and Means Advances to State Governments; and Committee on Capital Account Convertibility.

She is a member of the Committee on Global Financial Systems of the Bank for International Settlements and has served as a member of the International Task Force on Security Settlement Systems set up by the International Organisation of Securities Commissions of the Bank for International Settlements.

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