The seeds of change were sown in September 2014, when HDFC Bank MD Aditya Puri went to Silicon Valley to meet the brightest tech minds in the world. By the time he got back, he knew exactly what needed to be done.

It was time for a revolution. Instead of waiting to be disrupted by fintech companies, HDFC Bank went all out to disrupt itself, recasting its role and scope on a scale that has never been attempted before. In one of the biggest transformations ever undertaken in any business, HDFC Bank wants to become a platform facilitating a financial experience.

Tamal Bandyopadhyay chronicles HDFC Bank’s own digital disruption exercise through the very people who drove it, narrating a story that’s as compelling as unique in India’s financial system. With his keen eye for detail, deep knowledge of banking and unparalleled storytelling ability, Bandyopadhyay recounts the journey of India’s most valued lender from a life cycle bank to a lifestyle bank.


Nandan Nilekani

Co-founder and Chairman of Infosys and Founding Chairman of UIDAI (Aadhaar)

In early 2015, I noticed the dramatic changes that were happening in financial services due to simultaneous trends in technology, regulation and markets. The rise of the smartphone, India’s unique ID system Aadhaar, and payment innovations from the National Payments Corporation of India(NPCI), like Immediate Payment Service (IMPS) and Unified Payments Interface (UPI), were creating a new branchless distribution channel.

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