--- title: "Meaning & Key Takeaway of: Our approach on lending has always been…" description: "\"Our approach on lending has always been that we will lend to India-linked assets, because that's the risk that we understand, and that is the business ..." image: "https://sms4smile.com/quotes/i/237/chanda-kochhar-2727_always_our-approach-on-lending-has-always-been_2690994.png" --- # Our approach on lending has always been that we will lend… ![“Our approach on lending has always been that we will lend to India-linked assets, because that's the risk that we understand, and that is the business that has been doing very well.” quote by Chanda Kochhar](https://sms4smile.com/quotes/i/237/chanda-kochhar-2727_always_our-approach-on-lending-has-always-been_2690994.png) [Download](https://sms4smile.com/quotes/i/237/chanda-kochhar-2727_always_our-approach-on-lending-has-always-been_2690994.png) [Open image](https://sms4smile.com/quotes/i/237/chanda-kochhar-2727_always_our-approach-on-lending-has-always-been_2690994.png) > “Our approach on lending has always been that we will lend to India-linked assets, because that's the risk that we understand, and that is the business that has been doing very well.” [Chanda Kochhar](https://sms4smile.com/quotes/author/chanda-kochhar/) ## About This Quote This interpretation was drafted with AI assistance. It is one reading of the quote, not the author's own explanation. Lending focus stays on India-linked assets because familiarity reduces risk and drives performance. **In simple terms:** They lend to familiar Indian assets for lower risk. Key Takeaway Leverage known markets. Themes finance risk management regional focus Mood analytical pragmatic Type explanatory strategic When to use this quote - banking strategy - investment decisions - risk assessment Key Concepts credit analysis market expertise Questions to Reflect On - How does familiarity affect risk assessment? - What are the downsides of regional focus? A Different Perspective May limit diversification. ★ ★ ★ ★ ★ No ratings yet [Always](https://sms4smile.com/quotes/about/always/) [Approach Lending](https://sms4smile.com/quotes/about/approach-lending-2657988/) [Assets Risk](https://sms4smile.com/quotes/about/assets-risk-2657989/) [Business](https://sms4smile.com/quotes/about/business/) [Lend India](https://sms4smile.com/quotes/about/lend-india-2657987/) [Lending](https://sms4smile.com/quotes/about/lending/) [Lending Lend](https://sms4smile.com/quotes/about/lending-lend-964284/) [Risk](https://sms4smile.com/quotes/about/risk/) [Understand](https://sms4smile.com/quotes/about/understand/) [Will](https://sms4smile.com/quotes/about/will/) ## Related quotes > [When money is free, the rational lender will keep on lending until there is no one else to lend to.](https://sms4smile.com/quotes/george-soros/when-money-is-free-the-rational-lender-will-keep-on-lending-until/) [George Soros](https://sms4smile.com/quotes/author/george-soros/) > [I have always said that a bank's lending rates do not only depend on rate cuts - it is just one signal.](https://sms4smile.com/quotes/chanda-kochhar/i-have-always-said-that-a-bank-s-lending-rates-do-not-only-depend-on/) [Chanda Kochhar](https://sms4smile.com/quotes/author/chanda-kochhar/) > [Lending has come back in retail; it has come back in working capital. It has also come back in other forms, like government contract…](https://sms4smile.com/quotes/chanda-kochhar/lending-has-come-back-in-retail-it-has-come-back-in-working-capital/) [Chanda Kochhar](https://sms4smile.com/quotes/author/chanda-kochhar/) > [When lending people money, be sure their character exceeds their collateral.](https://sms4smile.com/quotes/h-jackson-brown-jr/when-lending-people-money-be-sure-their-character-exceeds-their/) [H. Jackson Brown, Jr](https://sms4smile.com/quotes/author/h-jackson-brown-jr/) > [He that lendeth to another in time of prosperity, shall never want help himself in the time of adversity.](https://sms4smile.com/quotes/plato/he-that-lendeth-to-another-in-time-of-prosperity-shall-never-want/) [Plato](https://sms4smile.com/quotes/author/plato/) > [Seneca devoted much of his time to writing essays in praise of poverty, and in lending money at usurious rates.](https://sms4smile.com/quotes/josh-billings/seneca-devoted-much-of-his-time-to-writing-essays-in-praise-of/) [Josh Billings](https://sms4smile.com/quotes/author/josh-billings/) > [You can make great money in a utility type of business by borrowing cheaply and lending sensibly but that's not what's being done.](https://sms4smile.com/quotes/meredith-whitney/you-can-make-great-money-in-a-utility-type-of-business-by-borrowing/) [Meredith Whitney](https://sms4smile.com/quotes/author/meredith-whitney/) > [Tis moonlight, summer moonlight, All soft and still and fair; The solemn hour of midnight Breathes sweet thoughts everywhere, But most where trees are…](https://sms4smile.com/quotes/emily-bronte/tis-moonlight-summer-moonlight-all-soft-and-still-and-fair-the-solemn/) [Emily Bronte](https://sms4smile.com/quotes/author/emily-bronte/) > [“There’s a best time for everything – including the acquisition of capital.”](https://sms4smile.com/quotes/hendrith-vanlon-smith-jr/there-s-a-best-time-for-everything-including-the-acquisition-of/) [Hendrith Vanlon Smith Jr](https://sms4smile.com/quotes/author/hendrith-vanlon-smith-jr/) > [If you are in banking and lending, surprise outcomes are likely to be negative for you.](https://sms4smile.com/quotes/nassim-nicholas-taleb/if-you-are-in-banking-and-lending-surprise-outcomes-are-likely-to-be/) [Nassim Nicholas Taleb](https://sms4smile.com/quotes/author/nassim-nicholas-taleb/) > [The Rothschilds, and that class of money-lenders of whom they are the representatives and agents - men who never think of lending a shilling…](https://sms4smile.com/quotes/lysander-spooner/the-rothschilds-and-that-class-of-money-lenders-of-whom-they-are-the/) [Lysander Spooner](https://sms4smile.com/quotes/author/lysander-spooner/) > [There are clear patterns of discrimination against Blacks and Latinos. The big banks targeted Blacks and Latinos with toxic packages of subprime predatory lending.](https://sms4smile.com/quotes/jesse-jackson/there-are-clear-patterns-of-discrimination-against-blacks-and-latinos/) [Jesse Jackson](https://sms4smile.com/quotes/author/jesse-jackson/) > [I am asking my Attorney General to create a special unit of federal prosecutors and leading state attorneys general to expand our investigations into…](https://sms4smile.com/quotes/barack-obama/i-am-asking-my-attorney-general-to-create-a-special-unit-of-federal/) [Barack Obama](https://sms4smile.com/quotes/author/barack-obama/) > [If you lend something you may lose it, but not if you give it. Giving is much better than Lending.](https://sms4smile.com/quotes/vikrant-parsai/if-you-lend-something-you-may-lose-it-but-not-if-you-give-it-giving/) [Vikrant Parsai](https://sms4smile.com/quotes/author/vikrant-parsai/) > [The everlasting universe of things Flows through the mind, and rolls its rapid waves, Now dark--now glittering--now reflecting gloom-- Now lending splendour, where from…](https://sms4smile.com/quotes/percy-bysshe-shelley/the-everlasting-universe-of-things-flows-through-the-mind-and-rolls/) [Percy Bysshe Shelley](https://sms4smile.com/quotes/author/percy-bysshe-shelley/) ## More by Chanda Kochhar > [Two eyes are given for a reason. One eye to always look at the opportunity. The second eye to always keep looking at the…](https://sms4smile.com/quotes/chanda-kochhar/two-eyes-are-given-for-a-reason-one-eye-to-always-look-at-the/) [Chanda Kochhar](https://sms4smile.com/quotes/author/chanda-kochhar/) > [What women need are not benefits and advantages but a merit-based selection process that will allow them to automatically benefit from various opportunities.](https://sms4smile.com/quotes/chanda-kochhar/what-women-need-are-not-benefits-and-advantages-but-a-merit-based/) [Chanda Kochhar](https://sms4smile.com/quotes/author/chanda-kochhar/) > [I chose to be a working wife and mother. Why should I compromise on either?](https://sms4smile.com/quotes/chanda-kochhar/i-chose-to-be-a-working-wife-and-mother-why-should-i-compromise-on/) [Chanda Kochhar](https://sms4smile.com/quotes/author/chanda-kochhar/) > [Resolution can be in any form - S4A, SDR or restructuring - but we need an enabling environment where bankers feel comfortable to take…](https://sms4smile.com/quotes/chanda-kochhar/resolution-can-be-in-any-form-s4a-sdr-or-restructuring-but-we-need-an/) [Chanda Kochhar](https://sms4smile.com/quotes/author/chanda-kochhar/) > [I believe Indian banks have a strong funding profile with largely deposit-funded balance sheets, a large physical presence to cater to the needs of…](https://sms4smile.com/quotes/chanda-kochhar/i-believe-indian-banks-have-a-strong-funding-profile-with-largely/) [Chanda Kochhar](https://sms4smile.com/quotes/author/chanda-kochhar/) > [Remember to be sensitive to the feelings of people around you.](https://sms4smile.com/quotes/chanda-kochhar/remember-to-be-sensitive-to-the-feelings-of-people-around-you/) [Chanda Kochhar](https://sms4smile.com/quotes/author/chanda-kochhar/) > [It is always impossible to expect things getting done in 90 days.](https://sms4smile.com/quotes/chanda-kochhar/it-is-always-impossible-to-expect-things-getting-done-in-90-days/) [Chanda Kochhar](https://sms4smile.com/quotes/author/chanda-kochhar/) > [We have always said that over the medium and long term, we will disinvest some part of our holding in our major subsidiary companies,…](https://sms4smile.com/quotes/chanda-kochhar/we-have-always-said-that-over-the-medium-and-long-term-we-will/) [Chanda Kochhar](https://sms4smile.com/quotes/author/chanda-kochhar/) > [It is important always to make full use of opportunities that come your way, and at the same time, it is important to not…](https://sms4smile.com/quotes/chanda-kochhar/it-is-important-always-to-make-full-use-of-opportunities-that-come/) [Chanda Kochhar](https://sms4smile.com/quotes/author/chanda-kochhar/) > [I believe in fate, but I also believe that hard work and diligence plays a very important role in our lives.](https://sms4smile.com/quotes/chanda-kochhar/i-believe-in-fate-but-i-also-believe-that-hard-work-and-diligence/) [Chanda Kochhar](https://sms4smile.com/quotes/author/chanda-kochhar/) > [Over the years, we have gone beyond our businesses to take up philanthropic projects in diverse areas - from education to health care to…](https://sms4smile.com/quotes/chanda-kochhar/over-the-years-we-have-gone-beyond-our-businesses-to-take-up/) [Chanda Kochhar](https://sms4smile.com/quotes/author/chanda-kochhar/) > [Power projects are differently placed to road projects. There's difference stress across different companies across different groups based on their leverage levels.](https://sms4smile.com/quotes/chanda-kochhar/power-projects-are-differently-placed-to-road-projects-there-s/) [Chanda Kochhar](https://sms4smile.com/quotes/author/chanda-kochhar/) > [I remember the reactions I got when we first visited factories to inspect the projects that we were funding. It was not easy for…](https://sms4smile.com/quotes/chanda-kochhar/i-remember-the-reactions-i-got-when-we-first-visited-factories-to/) [Chanda Kochhar](https://sms4smile.com/quotes/author/chanda-kochhar/) > [Innovation is a necessity.](https://sms4smile.com/quotes/chanda-kochhar/innovation-is-a-necessity/) [Chanda Kochhar](https://sms4smile.com/quotes/author/chanda-kochhar/) > [India's growth drivers are actually two growth drivers. One is consumption, which arises out of our demographic advantage. And the other is the investments.…](https://sms4smile.com/quotes/chanda-kochhar/india-s-growth-drivers-are-actually-two-growth-drivers-one-is/) [Chanda Kochhar](https://sms4smile.com/quotes/author/chanda-kochhar/) [Explore all 152 Chanda Kochhar quotes ](https://sms4smile.com/quotes/author/chanda-kochhar/) ## More Always quotes > [I think performing has pretty much always been a part of me.](https://sms4smile.com/quotes/isa-briones/i-think-performing-has-pretty-much-always-been-a-part-of-me/) [Isa Briones](https://sms4smile.com/quotes/author/isa-briones/) > [I always thought if I was born 2000 years earlier, I would be a monk, probably carving a monastery or some giant pantheon buildings.](https://sms4smile.com/quotes/jenova-chen/i-always-thought-if-i-was-born-2000-years-earlier-i-would-be-a-monk/) [Jenova Chen](https://sms4smile.com/quotes/author/jenova-chen/) > [I always like a character who makes me laugh.](https://sms4smile.com/quotes/rachael-stirling/i-always-like-a-character-who-makes-me-laugh/) [Rachael Stirling](https://sms4smile.com/quotes/author/rachael-stirling/) > [It's always great to see old friends, especially those I have not been able to see in 15 months.](https://sms4smile.com/quotes/william-regal/it-s-always-great-to-see-old-friends-especially-those-i-have-not-been/) [William Regal](https://sms4smile.com/quotes/author/william-regal/) > [When you step out and do a song in a musical, the easier thing to do is make it funny. But when those transitions…](https://sms4smile.com/quotes/kelli-o-hara/when-you-step-out-and-do-a-song-in-a-musical-the-easier-thing-to-do/) [Kelli O'Hara](https://sms4smile.com/quotes/author/kelli-o-hara/) > [I have really good lateral movement. I've always had quick lateral movement.](https://sms4smile.com/quotes/austin-rivers/i-have-really-good-lateral-movement-i-ve-always-had-quick-lateral/) [Austin Rivers](https://sms4smile.com/quotes/author/austin-rivers/) > [There is something magical about being able to feel somebody. And that is something that has always moved me with music.](https://sms4smile.com/quotes/maria-brink/there-is-something-magical-about-being-able-to-feel-somebody-and-that/) [Maria Brink](https://sms4smile.com/quotes/author/maria-brink/) > [Mythology is something that always has opportunities to explore. 'It' has been on Earth for millions of years. He's been in contact with humans…](https://sms4smile.com/quotes/andy-muschietti/mythology-is-something-that-always-has-opportunities-to-explore-it/) [Andy Muschietti](https://sms4smile.com/quotes/author/andy-muschietti/) > [It's not writing in the traditional sense, but I've always said that the writing process continues on the set and even into the editing…](https://sms4smile.com/quotes/robert-b-weide/it-s-not-writing-in-the-traditional-sense-but-i-ve-always-said-that/) [Robert B. Weide](https://sms4smile.com/quotes/author/robert-b-weide/) > [I always watch my matches back 100 times afterwards because that's how I improve. This is something I've always done, even in NXT.](https://sms4smile.com/quotes/mandy-rose/i-always-watch-my-matches-back-100-times-afterwards-because-that-s/) [Mandy Rose](https://sms4smile.com/quotes/author/mandy-rose/) > [I've always been of the idea that is doesn't really matter where you are geographically - with 'Lonerism,' we made half the album in…](https://sms4smile.com/quotes/kevin-parker/i-ve-always-been-of-the-idea-that-is-doesn-t-really-matter-where-you/) [Kevin Parker](https://sms4smile.com/quotes/author/kevin-parker/) > [It's very easy to fool yourself that you're working, you know, when you're really not working very hard. I mean, I'm very lazy. So…](https://sms4smile.com/quotes/robert-caro/it-s-very-easy-to-fool-yourself-that-you-re-working-you-know-when-you/) [Robert Caro](https://sms4smile.com/quotes/author/robert-caro/) > [Whether it was Little League or playing with your brothers or sisters, that was always a problem. If I would lose - because I…](https://sms4smile.com/quotes/cal-ripken-jr/whether-it-was-little-league-or-playing-with-your-brothers-or-sisters/) [Cal Ripken, Jr](https://sms4smile.com/quotes/author/cal-ripken-jr/) > [I always say if you put someone from a small town into a big city for ten years, then when they go back, they'll…](https://sms4smile.com/quotes/mike-colter/i-always-say-if-you-put-someone-from-a-small-town-into-a-big-city-for/) [Mike Colter](https://sms4smile.com/quotes/author/mike-colter/) > [Bayern is always a team that can win the Champions League title in Europe.](https://sms4smile.com/quotes/lothar-matthaus/bayern-is-always-a-team-that-can-win-the-champions-league-title-in/) [Lothar Matthaus](https://sms4smile.com/quotes/author/lothar-matthaus/) [Browse all 36,048 Always quotes ](https://sms4smile.com/quotes/about/always/) ```json { "@context": "https://schema.org", "@graph": [ { "@type": "Quotation", "text": "Our approach on lending has always been that we will lend to India-linked assets, because that's the risk that we understand, and that is the business that has been doing very well.", "creator": { "@type": "Person", "name": "Chanda Kochhar" }, "isPartOf": { "@id": "https://sms4smile.com/quotes/#website" }, "url": "https://sms4smile.com/quotes/chanda-kochhar/our-approach-on-lending-has-always-been-that-we-will-lend-to-india/", "about": { "@type": "Thing", "name": "Always" }, "@id": "https://sms4smile.com/quotes/chanda-kochhar/our-approach-on-lending-has-always-been-that-we-will-lend-to-india/#quotation", "image": { "@type": "ImageObject", "@id": "https://sms4smile.com/quotes/i/237/chanda-kochhar-2727_always_our-approach-on-lending-has-always-been_2690994.png", "contentUrl": "https://sms4smile.com/quotes/i/237/chanda-kochhar-2727_always_our-approach-on-lending-has-always-been_2690994.png", "url": "https://sms4smile.com/quotes/i/237/chanda-kochhar-2727_always_our-approach-on-lending-has-always-been_2690994.png", "width": 1080, "height": 1080, "caption": "“Our approach on lending has always been that we will lend to India-linked assets, because that's the risk…” — Chanda Kochhar", "creditText": "SMS4Smile Quotes", "creator": { "@id": "https://sms4smile.com/quotes/#organization" } } }, { "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://sms4smile.com/" }, { "@type": "ListItem", "position": 2, "name": "Quotes", "item": "https://sms4smile.com/quotes/" }, { "@type": "ListItem", "position": 3, "name": "Chanda Kochhar", "item": "https://sms4smile.com/quotes/author/chanda-kochhar/" }, { "@type": "ListItem", "position": 4, "name": "Our approach on lending has always...", "item": "https://sms4smile.com/quotes/chanda-kochhar/our-approach-on-lending-has-always-been-that-we-will-lend-to-india/" } ], "@id": "https://sms4smile.com/quotes/chanda-kochhar/our-approach-on-lending-has-always-been-that-we-will-lend-to-india/#breadcrumb" }, { "@type": "WebSite", "@id": "https://sms4smile.com/quotes/#website", "name": "SMS4Smile Quotes", "url": "https://sms4smile.com/quotes/", "publisher": { "@id": "https://sms4smile.com/quotes/#organization" } }, { "@type": "Organization", "@id": "https://sms4smile.com/quotes/#organization", "name": "SMS4Smile Quotes", "url": "https://sms4smile.com/quotes/", "logo": { "@type": "ImageObject", "url": "https://sms4smile.com/quotes/wp-content/themes/sq/assets/icons/icon-512.png", "width": 512, "height": 512 } } ] } ```