Quotes from Arundhati Bhattacharya

Lending rate is a function of both liquidity as well as credit demand.

Demonetisation is a disinflationary process. So, this will bring down prices in the long run. It will also help in bringing down interest rates.

You cannot take bank interest rates very sharply down: you will lose your deposit franchise.

When interest rates are coming down, you cannot have high margins.

If you go to any boardroom... the women are, by far, outnumbered by the men.

In India, women are still the primary caregivers. Whether it be for children, whether it be for old people or sick people, you are the primary caregiver. No matter what position you are in.

I have never worried if my daughter has fallen sick, and I am somewhere else, because there is always somebody to take care of her.

If you are satisfied, you will never see any more progress. One remains dissatisfied, but that doesn't mean that things are not happening.

If you want to deemphasise cash, then people should not only have an incentive for going digital but also a disincentive for doing cash.

People are used to cash, and getting them out of that is going to be a long and tough exercise.

After some time, my reputation preceded me each time I was given a new posting.

I say what is required to be said.

Often, people wonder if she can give the time required at work, given also her responsibilities at home. So a woman has to prove her worth over and over again each time she's given a new responsibility, especially when she is at junior to mid-level positions.

When there are good postings available, the people who choose who is to come to that particular position, they will always have, at the back of their minds, a fear that, 'If I take a woman, she might prioritize her family over the job and, therefore, not be available at times when her presence is required.'

Cash is not cheap. The physical infrastructure is not easy to maintain and cheap.

Our huge infrastructure that we need for keeping cash is very expensive.

The capping of cash transactions will help the banks reduce cash intensity.

When it comes down to business, everybody is very businesslike... I have never felt any difficulty in dealing with any of these situations.

What needs to be done is that the digital initiatives that we had started, that those get the same kind of focus, and that we now disincentivize the use of cash. If you're going to slide back into the ways that we had before this demonetization impact, then you really won't get the benefits.

If you snap off people's heads and get on to a kind of a pedestal, it's more difficult for people to approach you. It's much easier if you are down there with them. They will talk to you.

We underestimate our people. Given a challenge, most of our people will do it, especially the youngsters who take to technology like duck to water.

PSU banks are sole lenders to capital-intensive firms.

We keep saying, 'No more 'band aid' solutions.'

In any merger, the biggest challenge is always integration of human resources because the people who are coming in have a lot of apprehension.