Chanda Kochhar Quotes

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

India did not innovate with the ATMs. But when we brought ATMs into India and made the machines talk in 15 regional languages to the people in rural India, we got millions of transactions on the ATM.

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If you take existing ideas and make them affordable and scalable, you substantially change business models. India lacks an education system that is research- and creativity-oriented.

Power projects are differently placed to road projects. There's difference stress across different companies across different groups based on their leverage levels.

My belief is India's banking industry will continue to grow at two and a half times the GDP growth rate.

We need to take the country in the right direction, whether it is around administrative policy decisions or legislative changes or ensuring the macroeconomic stability.

I have always been saying that while - the legislative reforms are good, but there are so many low-hanging fruits that we have look for by taking executive decisions. I think the government is actually moving in the right direction.

The increase in coal production and the efficiency in coal movement are all administrative things that can add a lot to the economic growth.

As far as discom reforms are concerned, they have to be a combination of two parts. One is the existing balance sheet and, therefore, taking care of that. The second important is the reduction in losses going forward.

The MBA entrance exams are so quantitative-oriented that it keeps out more and more women from joining the MBA classes. If we were to make the entrance exams more all-rounded, you could see more participation.

You can maintain work-life balance even while pursuing careers.

We believe the new banks will complement the existing banking system, and there will be opportunities for players to identify mutually beneficial partnerships.

The scope of activities for payments banks mainly includes acceptance of demand deposits, issuance of ATM/debit cards, payment and remittance services, and distribution of third-party products.

Payments banks can also act as business correspondents of other banks.

Rather than worrying about entities, we should worry about the trends in technology that may cause disruptions... if we get so paranoid that banking is no longer going to exist and banks are going to get disrupted, I think that...

Any of our businesses will not exist in the form that is today, will not exist in the same form one year later, two years later... We have to worry about the disruptions in the business models and the practices.

Only if you aspire for more will you achieve more.

Practise and practise to make your dreams turn into reality.

I thought work and family complete life. Aarti's enthusiasm and energy levels made me realise that life can be even more wholesome and fuller.

I use my interaction with both my kids to know how the youth today relates to technology, their expectations in terms of mobility and social solutions by customer services-oriented businesses like banking.

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