Younger customers are the future, but older customers have the money. So you need both: one for the present, and the other for the future. Uday Kotak customerfuturemoney Change image and share on social
We encounter very healthy boardroom debates and pretty diverse views, so we have always had the benefit of diversity of opinion and expression before we take some important calls. Uday Kotak benefitboardroomcall Change image and share on social
Historically, in India, the strange fact was that the equity owner was not taking as much hit as the lender. Therefore, if we restore the first principle of economics, that first the equity owner needs to take the hit and then the lender, we will get a good solution. Uday Kotak economicsequityfact share on social
If you look at the history of large financial institutions, most of them have succeeded because of a deep presence in their home market. Uday Kotak deepfinancialhistory Change image and share on social
What we have to be careful is that if we drop interest rates where the rate of interest is lower than inflation, then savers will not put money in financial savings and move it to gold and real estate, which is bad for India. Uday Kotak badcarefuldrop share on social
As we were all growing up, there used to be a very big mantra in India which was called 'export or perish.' There was a long period when we used to focus on import substitution. Uday Kotak bigcallexport Change image and share on social
The government should move towards supporting aspirations and not entitlement. Subsidies supporting non-productive growth should be reduced. Uday Kotak aspirationentitlementgovernment Change image and share on social
There is socialism in the family that conflicts with meritocracy. And that bothered me. Uday Kotak botherconflictfamily Change image and share on social
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. Uday Kotak adjustapproachbank share on social
If companies are able to raise equity from the market, then their problems for financing incomplete projects will come to end. Investment cycle in the capital market can kick-start with the money of savers and investors. Uday Kotak capitalcompanycycle share on social
