New Delhi, March 31 -- Aditya Puri, former managing director and chief executive of HDFC Bank, spent 26 years at India's largest private sector lender, building it from scratch after a two-decade stint at Citibank.

At the ninth edition of Mint India Investment Summit, Puri received the Lifetime Achievement Award and engaged in a candid fireside chat with editor-in-chief Ravi Krishnan. From why he moved to India in 1994 to artificial intelligence in banking and the work culture he batted for, this chat covered a wide range of subjects. Edited excerpts:

I think India is still a very under-penetrated market as far as finance is concerned. So, opportunities are phenomenal. Fundamentally, I would be as excited. That time, we had the public s...