Quotes by: Uday Kotak

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The trouble with opportunity is, it never announces when it comes. It's only after it's gone, you'd realize that you missed it.
Uday Kotak
My view is that, as management, the focus has to be on having a strategy and executing it. As you do the strategy and execution, it is important to communicate it consistently.
Uday Kotak
Technology is an enabler; you have to be at the cutting edge of technology - there is no choice.
Uday Kotak
If India grows steadily and does the structural things right and carefully unties knots, builds an institutional process which sort of cleans up the corruption and the baggage in the system, I see it as a wonderful marathon.
Uday Kotak
Our approach to banking is very different from the traditional banks or even some of the new banks. We do not necessarily go out and write single-cheque, large-ticket loans.
Uday Kotak
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
I am a great believer in Indian entrepreneurship. There is a whole set of people doing so many exciting things.
Uday Kotak
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.
Uday Kotak
I keep wondering at night, 'Will I have a bank the next morning, or will some technology company be doing banking without needing a bank?'
Uday Kotak
Growth should take care of the fear of job losses. People will be challenged to do different things. For people who are not up to it, purely based on objective assessment, that's a different issue, which, you do it anyway.
Uday Kotak
In a marathon, if you run too fast, you get exhausted. If you run too slow, you never make it.
Uday Kotak
A lot of our fiscal deficit went to fund consumption and really did not get used to build investment and infrastructure. The trouble is, you can get a spurt in GDP growth, which may not be sustainable. I would much rather build the gradient of a long-term marathon.
Uday Kotak
When a lion doesn't get its prey, it remains hungry. When the prey saves himself, he has not won, but has saved his life.
Uday Kotak
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
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.
Uday Kotak
There is socialism in the family that conflicts with meritocracy. And that bothered me.
Uday Kotak
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
My view is the core engine supporting India's growth aspiration will be the financial sector, which will have to get more efficient.
Uday Kotak
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
My view is make Indian manufacturing competitive, and if it is competitive, it can serve customers or consumers anywhere.
Uday Kotak
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.
Uday Kotak
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