My view is that at a certain age - and we can debate whether that age is 70-72 or 75 - members need to step off boards. As per the banking guidelines, that age for the director on a board today is 70.

It is possible that the digital world may change the need for physical branches. We will continue to add branches incrementally, but we will reach a point - whether it is 1,500, 1,800 or 2,000 branches - where we will say enough is enough.

I grew up in a joint family of 60 people with one kitchen. So I am a firm believer in the family concept.

Uday Kotak Quotes