India did not innovate with the ATMs. But when we brought ATMs into India and made the machines talk in 15 regional languages to the people in rural India, we got millions of transactions on the ATM.

Power projects are differently placed to road projects. There's difference stress across different companies across different groups based on their leverage levels.

If you take existing ideas and make them affordable and scalable, you substantially change business models. India lacks an education system that is research- and creativity-oriented.

Chanda Kochhar Quotes