Uday Kotak Quotes

Most Famous Uday Kotak Quotes of All Time!

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When a lion doesn't get its prey, it remains hungry. When the prey saves himself, he has not won, but has saved his life.

For me, the real thing is make, serve and list in India. Which means we need manufacturing, we need services, and we need financial markets.

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My view is make Indian manufacturing competitive, and if it is competitive, it can serve customers or consumers anywhere.

Historically, in India, the strange fact was that the equity owner was not taking as much hit as the lender. Therefore, if we restore the first principle of economics, that first the equity owner needs to take the hit and...

A lot of our fiscal deficit went to fund consumption and really did not get used to build investment and infrastructure. The trouble is, you can get a spurt in GDP growth, which may not be sustainable. I would much...

I keep wondering at night, 'Will I have a bank the next morning, or will some technology company be doing banking without needing a bank?'

As long as there is cash, and the economy is running, all is well. But as a bank, we'll have to test, experiment, try a hundred different things. A few may work, a few may fail, but we have to...

There's no harm being a copycat. If someone else is doing a good job, copy. It's free.

The trouble with opportunity is, it never announces when it comes. It's only after it's gone, you'd realize that you missed it.

The ability to scale up is hard. So the best model for us is concentrated India, diversified financial services, and through this, we can get significant scale on an Indian platform.

Technology is an enabler; you have to be at the cutting edge of technology - there is no choice.

Younger customers are the future, but older customers have the money. So you need both: one for the present, and the other for the future.

Our view is that younger customers love our digital offering, our mobile banking applications and so on. Older customers expect relationship managers and want much more personal attention in terms of their needs.

As we were all growing up, there used to be a very big mantra in India which was called 'export or perish.' There was a long period when we used to focus on import substitution.

A weaker currency is a national tariff. After we get a weaker currency, we have to take advantage of that. Or else, we will waste it once more in inflation and in the inability to raise competitiveness.

If you look at 2009, why did the recovery happen? Recovery happened because somebody in the world's largest economy opened the tap: the U.S., followed by Europe and now Japan.

The single biggest resource India has is people and skill.

I am a believer in the journey and enjoying the journey.

If you ask me, over time, I am a believer in the Indian financial saving story getting stronger; a lot more savers are moving money away from gold and real estate into banks, mutual funds, insurance and equities.

Culture is about the mindset of people, and we are very happy to have a strong combined mindset of people.

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