The trouble with opportunity is, it never announces when it comes. It's only after it's gone, you'd realize that you missed it.
There's no harm being a copycat. If someone else is doing a good job, copy. It's free.
I was not very keen on joining the family business... there were 14 family members working together, and it worried me that I would not have enough individuality.
If companies are able to raise equity from the market, then their problems for financing incomplete projects will come to end. Investment cycle in the capital market can kick-start with the money of savers and investors.
Technology is an enabler; you have to be at the cutting edge of technology - there is no choice.
If what you create does not outlive you, then you have failed.
In a marathon, if you run too fast, you get exhausted. If you run too slow, you never make it.
Younger customers are the future, but older customers have the money. So you need both: one for the present, and the other for the future.
My view is that the bitcoin is in its very early days, and it is an artificial currency. But whether it is creating new money, whether it is sustainable, whether it would survive - I have many questions about it.
As long as there is cash, and the economy is running, all is well. But as a bank, we'll have to test, experiment, try a hundred different things. A few may work, a few may fail, but we have to experiment and try.
I am big believer that increase the size of the cake is as at least as important as distribution of the cake. To increase the size of the cake, you need to focus on progress.
A weaker currency is a national tariff. After we get a weaker currency, we have to take advantage of that. Or else, we will waste it once more in inflation and in the inability to raise competitiveness.
If you ask me, over time, I am a believer in the Indian financial saving story getting stronger; a lot more savers are moving money away from gold and real estate into banks, mutual funds, insurance and equities.
We are extremely focused on building some of the assets which are going into mid-India, semi-urban and rural, and that's our DNA. We are building a retail bank, and a lot of the deposit base is still in urban India.
The ability to scale up is hard. So the best model for us is concentrated India, diversified financial services, and through this, we can get significant scale on an Indian platform.
My view is the core engine supporting India's growth aspiration will be the financial sector, which will have to get more efficient.
Foreign investors are looking for a consistent and stable policy in India.
I am a great believer in Indian entrepreneurship. There is a whole set of people doing so many exciting things.
My view is make Indian manufacturing competitive, and if it is competitive, it can serve customers or consumers anywhere.
When I wear the hat of management, it is important that our management behaves and conducts as management accountable to the board.
