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

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.

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.

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.

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.

Moving from corporate banking to retail banking to international banking to supervisory roles has meant completely reinventing myself.

I think competition is good. It finally delivers the best value to the customer, and I think it keeps all the players on their toes.

All my challenges have become opportunities.

When I moved from consumer banking to international banking, I thought I brought a lot of insights from India we could implement globally.