Top 10 Uday Kotak Quotes

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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.

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 then the lender, we will get a good solution.

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 rather build the gradient of a long-term marathon.

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 experiment and try.

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.

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