“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.”

“It is possible that the digital world may change the need for physical branches. We will continue to add branches incrementally, but we will reach a point - whether it is 1,500, 1,800 or 2,0...”

“If what you create does not outlive you, then you have failed.”

“Two things are infinite: the universe and human stupidity; and I'm not sure about the universe.”

“I'm selfish, impatient and a little insecure. I make mistakes, I am out of control and at times hard to handle. But if you can't handle me at my worst, then you sure as hell don't deserve me...”

“You've gotta dance like there's nobody watching, Love like you'll never be hurt, Sing like there's nobody listening, And live like it's heaven on earth.”

“So many books, so little time.”

“You know you're in love when you can't fall asleep because reality is finally better than your dreams.”

“The person, be it gentleman or lady, who has not pleasure in a good novel, must be intolerably stupid.”