Walk The Talk With Chandra Shekhar Ghosh, Founder And CMD, Bandhan Bank

"What troubled me was how money lenders were looting the poor on the pretext of helping them", says Chandra Shekhar Ghosh, the guest this week on Walk The Talk. A man who quit his job to start an NGO, Bandhan, Mr Ghosh says his aim was to build a micro-finance institution dedicated to help the rural poor get on their feet. Initially, ignoring his wife's anguish at his quitting a salaried job he began lending people money from his savings. Today his entity is worth Rs.11,000 crores and amazingly has NPAs (non-performing assets) of only 0.07% which is unmatched. He says, "Simply wearing suits-ties and making proposals on Excel sheets doesn't define a person's credibility". It is mutual trust that is the foundation of this micro-finance institution, which is about to begin regular banking, starting from the northeastern states. A man with one of the humblest origins, Mr. Ghosh says he'll never forget his roots as he narrates his rags to riches story.