Private sector has no issue in coming into infrastructure sector. They know very well that infrastructure is one area that can give you very steady long-term returns.

I can't tell you precisely how much participation there will be from India in the One Belt, One Road, but what is clear is the understanding that it is important for us to develop neighbourhood trade.

The decision to incentivise savings for pension funds augurs well for infrastructure financing and retirement planning.

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.