Chanda Kochhar

“When we in our sector talk of the adoption of Indian consumers to new products and innovative ways of doing banking, they always exceed our expectations.”

“Our focus is more on secured retail business like housing and car loans. While we will do some unsecured loans - credit cards and personal loans - we will do it primarily with existing customers.”

“Thankfully I have an ecosystem of in-laws, parents and husband, who are my rocks.”

“The MBA entrance exams are so quantitative-oriented that it keeps out more and more women from joining the MBA classes. If we were to make the entrance exams more all-rounded, you could see more participation.”

“Nobody likes high interest rates.”

“All three of us - two sisters and a brother - were brought up with an emphasis on academics.”

“In India, we have the opportunity to give innovation the kind of scale that no other country in the world can.”

“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.”

“What we see is that we actually have digital channels through which the customers interact, but we also take the absolute brick channels, which is the branch, and convert that experience into a more digitised experience.”

“She worked hard till she saw all of us through college and we became independent. I never knew that my mother had such a wealth of self-assurance and belief within her.”

“The issue of access to growth capital is common to all entrepreneurs. Any entrepreneur who can demonstrate a credible business model and plan would be able to access to capital.”

“Mark-to-market losses are not real loss. It's a notional loss. What we can monitor is the credit quality of the underlying papers. Are the companies paying interest on time? Is there any deterioration in the credit quality of these companies?”

“The growth that we are targeting for our bank is in line with the banking industry.”

“All my challenges have become opportunities.”

“I think we have to pick up some sectors where we can make India the global hub in the entire value chain, and the most important sector to pick up should be electronics.”

“Innovation is a necessity.”

“Payments banks can also act as business correspondents of other banks.”

“Every entrepreneur, whether man or woman, should start with a robust business structure.”

“We have to always set an aspiration for ourselves and then strive to get there.”

“The Indian banking industry has always been full of competition, and there is enough room for growth.”