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Demonetisation put the spotlight on SBI as the top lender and with a footprint that stands to become even larger if it succeeds in a planned merger with five of its associate banks. "(Demonetization) caught the entire system off guard. We had just 24 hours in which to set up exactly the processes by which we could do this – move cash around the country, ensure that there were enough counters for people to come in and get their money exchanged, get our own people trained on how these things would be done.

So a huge amount of activity. Access to cash was restricted during the swap and there were complaints the drive impacted the poor disproportionately. The initial shocks of demonetization were gradually wearing off and the Indian economy was "very close" to returning to "normalcy."

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