The important source of finance is now commercial papers, bonds, and so on.

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

The consolidation that we started in 2009 was clearly the requirement of that time.

Successful strategic vision lay in the fact that we visualized the retail business to be much bigger, ahead of what others thought it to be.

What's important is that we see each year what the opportunities are, and make use of the opportunity.

The real underlying value comes if you can put a company back into a running state and it becomes a successful viable entity if it continues to repay loans.

Lending has come back in retail; it has come back in working capital. It has also come back in other forms, like government contract being given out to companies.

Punjab is central to our business strategy, and we are an active partner in the state's growth.

I think it's important to celebrate your successes. It's important to feel happy about them, but it's equally important to look forward to the next big move.

No one thing can change the face of any sector.

Over the years, we have gone beyond our businesses to take up philanthropic projects in diverse areas - from education to health care to skilling.

We actually probably do nothing very special for women. But what we do in a very special manner is to remain an absolute gender-neutral, merit-based organization.

I have it all because my children did not whine and cry when I was not there.

There were so many occasions when I wasn't around for my kids or my husband. But we learnt to work around it.

Practise and practise to make your dreams turn into reality.

Life comprises of both: opportunities as well as challenges.

We will leverage technology to collaborate with the government in its e-governance initiatives.

What women need are not benefits and advantages but a merit-based selection process that will allow them to automatically benefit from various 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.