I think everybody wants GST.

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.

I believe Indian banks have a strong funding profile with largely deposit-funded balance sheets, a large physical presence to cater to the needs of customers, and ability to provide comprehensive solutions to customers.

Even if it does not become cashless economy, it will become a less cash economy, and I think that itself is going to be a good and big achievement, and I think we are, as a country, gone through many of large changes, and ICICI has been a leader in many of them.

We have to address impediments that stall implementation of projects and streamline the process to ensure smooth execution going forward. We need to address the leverage levels among corporates to restart investment cycle.

Nobody likes high interest rates.

It is always impossible to expect things getting done in 90 days.

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

If you take existing ideas and make them affordable and scalable, you substantially change business models.

Innovation is a necessity.

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

Business has to be done with both head and heart.

An entrepreneur, whether man or woman, has to be willing to take help, whether financial or technical, to grow his or her business.

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.