Rising incomes and positive demographics will provide opportunities for retail financial services in India.

Our institutional framework needs to be bolstered further. We have to implement laws like the proposed Bankruptcy Code and GST (Goods and Services Tax), which will create efficiencies and strongly support the business environment.

The important source of finance is now commercial papers, bonds, and so on.

While working hard for my career, I looked after my family and have been there for my mother and in-laws when they needed me around. They reciprocated in kind with their unconditional love and support for my career.

Don't cut corners or compromise to achieve your dreams.

Practise and practise to make your dreams turn into reality.

Adaptability is a great asset to have because life is so unpredictable, and things can change overnight for any of us.

I use my interaction with both my kids to know how the youth today relates to technology, their expectations in terms of mobility and social solutions by customer services-oriented businesses like banking.

Our large size, capital base, robust funding profile, extensive distribution network, diversified portfolio, presence across the financial services sector, and leadership in technology position us very well to leverage the growth opportunities across the economy.