In pharma or in information, you have to invest for three or four years, and then you start seeing returns.

We are a very systems- and process- driven business which reports directly to the board, whether it is risk or legal.

It was always the intention that Shriram would have started a bank at some point.

Spirituality permeates all aspects of your life and business is just one part of your life.

In a crisis, you separate the men from the boys.

We have a unique culture.

In life, there are always intense battles, and yet we must practise the lessons from the Gita.

There are very few who have the privileges I have, and, therefore, it is essential that we give back to society.

Our risk systems and processes - we keep investing and improving them.

Investment in Shriram will actually enable us to enter some of the retail segments such as vehicle financing, consumer and gold loans, and other products such as insurance, mutual funds, among others, where we wanted to have a footprint.