Over the last 25 years, the intention always was to start businesses in adjacent lines, nurture them, build a solid foundation and then scale up, helping create long-term value for shareholders.

It was an Important year as we used the disruption to further strengthen and stabilise the organisation, true to our internal motto – ‘Never waste a good crisis!

"Over the last 20 years, we have scaled up our businesses substantially and we today occupy a sizable position in the Indian financial services market."

"We will continue to move forward in our aim to create a quality organisation defined by its excellence in risk management and obsession towards customer experience."

"It is a long-winding road and the challenges are many but we will continue to justify the faith you have reposed in us by consistently exceeding expectations."