The growth that we are targeting for our bank is in line with the banking industry.

It's not that the regulator doesn't want the banking industry to grow. The growth of the industry has always been in relation to the GDP (gross domestic product) growth.

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

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

India's growth drivers are actually two growth drivers. One is consumption, which arises out of our demographic advantage. And the other is the investments. Because we need a lot of investment in the country.

Our large size, capital base, robust funding profile, extensive distribution network, diversified portfolio, presence across the financial services sector, and leadership in technology position us very well to leverage the growth opportunities across the economy.