M. S. Sriram is a member of the faculty at the Centre for Public Policy, Indian Institute of Management Bangalore, Bengaluru, Karnataka, India. He is also Distinguished Fellow of the Institute for Development of Research in Banking Technology, an institute established by the Reserve Bank of India (RBI). In the past he was the ICICI Bank-Lalita D Gupte Chair Professor of Microfinance at the Indian Institute of Management Ahmedabad; member of faculty at the Institute of Rural Management, Anand; and Vice President of Basix. He has authored the annual Inclusive Finance India Report for 2015, 2016 and 2017. He has served on the External Advisory Committee of the RBI for granting licences to Small Finance Banks; chaired an expert committee to examine the feasibility of establishing an integrated Kerala Co-operative Bank; and was a member of the Vaidyanathan Committee for co-operative reform.

• Contributors. Preface. Acknowledgements. List of Abbreviations. Introduction 1. Conversations with Dr C. Rangarajan 2. Conversations with Dr Bimal Jalan 3. Conversations with Dr Y. V. Reddy 4. Conversations with Dr Duvvuri Subbarao 5. Conversations with Dr Raghuram G. Rajan 6. Conversations with Dr Urjit R. Patel. Annexure 1: Report of the Committee on the Financial System, 1991. Annexure 2: Report of the Committee on Banking Sector Reforms, 1998. Annexure 3: Report of the Committee on Financial Inclusion, 2008. Annexure 4: Report of the Sub-Committee of the Central Board of Directors of of Reserve Bank of India to Study Issues and Concerns in the MFI Sector, 2011. Annexure 5: Report of the Internal Working Group to Revisit Existing Priority Sector Lending Guidelines, 2015

M. S. Sriram is a member of the faculty at the Centre for Public Policy, Indian Institute of Management Bangalore, Bengaluru, Karnataka, India. He is also Distinguished Fellow of the Institute for Development of Research in Banking Technology, an institute established by the Reserve Bank of India (RBI). In the past he was the ICICI Bank-Lalita D Gupte Chair Professor of Microfinance at the Indian Institute of Management Ahmedabad; member of faculty at the Institute of Rural Management, Anand; and Vice President of Basix. He has authored the annual Inclusive Finance India Report for 2015, 2016 and 2017. He has served on the External Advisory Committee of the RBI for granting licences to Small Finance Banks; chaired an expert committee to examine the feasibility of establishing an integrated Kerala Co-operative Bank; and was a member of the Vaidyanathan Committee for co-operative reform.

• Contributors. Preface. Acknowledgements. List of Abbreviations. Introduction 1. Conversations with Dr C. Rangarajan 2. Conversations with Dr Bimal Jalan 3. Conversations with Dr Y. V. Reddy 4. Conversations with Dr Duvvuri Subbarao 5. Conversations with Dr Raghuram G. Rajan 6. Conversations with Dr Urjit R. Patel. Annexure 1: Report of the Committee on the Financial System, 1991. Annexure 2: Report of the Committee on Banking Sector Reforms, 1998. Annexure 3: Report of the Committee on Financial Inclusion, 2008. Annexure 4: Report of the Sub-Committee of the Central Board of Directors of of Reserve Bank of India to Study Issues and Concerns in the MFI Sector, 2011. Annexure 5: Report of the Internal Working Group to Revisit Existing Priority Sector Lending Guidelines, 2015

M. S. Sriram is a member of the faculty at the Centre for Public Policy, Indian Institute of Management Bangalore, Bengaluru, Karnataka, India. He is also Distinguished Fellow of the Institute for Development of Research in Banking Technology, an institute established by the Reserve Bank of India (RBI). In the past he was the ICICI Bank-Lalita D Gupte Chair Professor of Microfinance at the Indian Institute of Management Ahmedabad; member of faculty at the Institute of Rural Management, Anand; and Vice President of Basix. He has authored the annual Inclusive Finance India Report for 2015, 2016 and 2017. He has served on the External Advisory Committee of the RBI for granting licences to Small Finance Banks; chaired an expert committee to examine the feasibility of establishing an integrated Kerala Co-operative Bank; and was a member of the Vaidyanathan Committee for co-operative reform.

• Contributors. Preface. Acknowledgements. List of Abbreviations. Introduction 1. Conversations with Dr C. Rangarajan 2. Conversations with Dr Bimal Jalan 3. Conversations with Dr Y. V. Reddy 4. Conversations with Dr Duvvuri Subbarao 5. Conversations with Dr Raghuram G. Rajan 6. Conversations with Dr Urjit R. Patel. Annexure 1: Report of the Committee on the Financial System, 1991. Annexure 2: Report of the Committee on Banking Sector Reforms, 1998. Annexure 3: Report of the Committee on Financial Inclusion, 2008. Annexure 4: Report of the Sub-Committee of the Central Board of Directors of of Reserve Bank of India to Study Issues and Concerns in the MFI Sector, 2011. Annexure 5: Report of the Internal Working Group to Revisit Existing Priority Sector Lending Guidelines, 2015