We are going to position ourselves as a world-class financial institution. We want to do things that are comparable to the best in the world. At the same time, we want to have very strong human qualities.

Uday Kotak

Best Comparable Financial Going Human Human Qualities Institution Ourselves Position Qualities Same Strong Things Time Very Want World World-Class

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People can be ignorant and still have loving, human qualities.

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Our entire approach to the banking and financial services business is risk-adjusted returns. We believe that in most parts of the world, and including pockets in India, banking tends to mis-price risk.

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Culture is about the mindset of people, and we are very happy to have a strong combined mindset of people.

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Courage is the first of human qualities because it is the quality which guarantees the others.

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The ability to scale up is hard. So the best model for us is concentrated India, diversified financial services, and through this, we can get significant scale on an Indian platform.

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