When people come and invest in India, they invest on a certain premise, and the fact that the very premise can change worries them a lot.

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.

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

I take all the stress on myself so everyone else can work without stress.

Getting small things like Visa or driving licence should be made easier as we, in financial service sectors, are dealing with financial regulations and tax constraints.

What is important for a leader is that you walk in a stable manner in your own shoes and do not trip.

A leader has to find opportunities in any environment.

Make sure you have that conviction to do what you know is right, and once you have it, don't let skeptics distract you from your path.

You have to handle the challenges and emerge stronger from them, rather than allow them to bog you down.

I learnt to always keep my mind open to new ideas and looked at each new assignment as an opportunity to learn and prove myself.

In a larger sense, we all write our own destiny.

We have a vision of a strong and prosperous India and an equally strong belief that this vision is achievable.

Remember to be sensitive to the feelings of people around you.

I believe that India's long-term growth story is strong, and foreign investors are keen to be a part of it.