Some amount of support from government and regulator is required when you are looking at resolving systemic issues.

Senior officials are always looking for good juniors, so when the opportunity comes, they give you the responsibilities.

If you start from the farm sector, we need much better investments and capital creation on land. We need logistics support; we need cold chain and processing capability. We need proper pricing at various stages to ensure that the producers are not left out in the value-chain.

To tell you the truth, if you're looking at rising pretty high, then you need to find a way of taking care of these problems and not taking time off. At the end of the day, it is a very tough competition. And in a very tough competition, if you just take breaks, then it's going to become much, much more difficult.

If you go to any boardroom... the women are, by far, outnumbered by the men.

At SBI, we say that if you need a project to be done, you need to be determined that it needs to be done, put a deadline, and it will get done.