Chanda Kochhar Quotes
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Whenever there is a challenge, the key is not to get consumed by the challenge but actually to learn from it.
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Every business has to re-think their own business model and say does it meet this DSM test and do their products and services meet the test of being digital, social, and mobile? I think the banks are doing the same.
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As far as investors and customers are concerned, I make it a point to answer each and every piece of mail that comes to me.
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The global market does not understand the India risk as well as we do, and therefore, we have the arbitrage facility of making better margin on the same set of Indian firms than what we would have made by giving rupee loans.
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When we look at the credit growth, we should look at it in its totality. Let us not only look at the non-food bank credit growth but also look at the growth across all the instruments of financing.
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The important source of finance is now commercial papers, bonds, and so on.
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Aim for the sky, but move slowly, enjoying every step along the way. It is all those little steps that make the journey complete.
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I think competition is good. It finally delivers the best value to the customer, and I think it keeps all the players on their toes.
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When people come and invest in India, they invest on a certain premise, and the fact that the very premise can change worries them a lot.
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Business models that are relevant today are not relevant tomorrow and were not in existence yesterday.
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I have always been saying that while - the legislative reforms are good, but there are so many low-hanging fruits that we have look for by taking executive decisions. I think the government is actually moving in the right direction.
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The restructuring theme can be of various kinds. Some amount of debt gets serviced out of cash flows, some gets back-ended and resolved with sale of non-core assets of the company, and some debt gets converted into equity which might today look like a haircut.
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Thankfully I have an ecosystem of in-laws, parents and husband, who are my rocks.
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Take destiny in your own hands.
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I had to work just as hard as my male colleagues.
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If we look at India and the Indian demographics and the Indian consumer, I think the Indian consumer is going digital, social, and mobile. They want everything in a digital format, everything available on the go, and we socially connected.
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Remember that relationships are important and have to be nurtured and cherished. Also keep in mind that a relationship is a two way street, so be ready to give a relationship just as you would expect the other person to be giving to you.
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What is important for a leader is that you walk in a stable manner in your own shoes and do not trip.
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An entrepreneur, whether man or woman, has to be willing to take help, whether financial or technical, to grow his or her business.
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We have to understand that India is a complex country. Everything takes time for the real impact to get translated to the economy.
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We need to take the country in the right direction, whether it is around administrative policy decisions or legislative changes or ensuring the macroeconomic stability.
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The real underlying value comes if you can put a company back into a running state and it becomes a successful viable entity if it continues to repay loans.
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Practise and practise to make your dreams turn into reality.
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There were so many occasions when I wasn't around for my kids or my husband. But we learnt to work around it.