Arundhati Bhattacharya

I do believe in teamwork, and I think it's very important, especially for a woman, because if you don't have a good team, then you cannot step out if you need to. ”

Competition is always there. ”

There is potential for more Chinese investment in India's infrastructure, and there are already Chinese investors in India's power and telecoms sector as well as the banking and payments space. ”

If you are approachable, if you keep your line of communication open, then very often, you get to hear what you need to hear. ”

When there are good postings available, the people who choose who is to come to that particular position, they will always have, at the back of their minds, a fear that, 'If I take a woman, she might prioritize her family over the job and, therefore, not be available at times when her presence is required.' ”

One thing I would tell women is that they must take up the challenge. Very often, we anticipate a lot of problems, and therefore, we don't take the lead. And I think that we are shortchanging ourselves if we don't do that. ”

SBI Caps has a distinct advantage because most of our people are market recruits. We have a public sector heritage. Our challenge is to bring the best of both - public sector heritage and private sector talent - and provide a unique offering. ”

When interest rates are coming down, you cannot have high margins. ”

You cannot take bank interest rates very sharply down: you will lose your deposit franchise. ”

Frankly, I have a lot of interests, and I am not all that wedded only to banking. ”