Business has to be done with both head and heart.

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.

I think everybody wants GST.

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

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.

As far as investors and customers are concerned, I make it a point to answer each and every piece of mail that comes to me.

It's about maintaining balance. Plan better, be organised. I chose to be a working wife and mother. Why should I compromise on either?

I was good with numbers.

I had to work just as hard as my male colleagues.

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

Business models that are relevant today are not relevant tomorrow and were not in existence yesterday.

I think India's growth itself will give opportunities for Indian banks to become substantially bigger.