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.

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

To reap this demographic dividend, we need to enable the youth to acquire skills required to get the job or become self-employed.

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

If there is a course that is quant-oriented, you need to focus on that, but if it is a course that is more general management-oriented, do you not need entrance examinations which are more all round?

We have to address impediments that stall implementation of projects and streamline the process to ensure smooth execution going forward. We need to address the leverage levels among corporates to restart investment cycle.