Veteran banker launches his second book on Retail – The lifestyle banking



Praveen Kutty, President & Head Retail – DCB Bank and Mr. Ravi Subramaniam Eminent author & renowned banker ex HSBC & Citibank unveils Gautam Gan new book on Retail Banking.


Gautam Gan an eminent Retail banking personality in India strongly believes that Retail Banking is the most exciting subject in Banking science at present dealing with and driven by the behavioral pattern of people, community by community, segment by segment. Its cornerstone is human psychology. This long banking experience of 35 years was added to his association with Micro-Finance world for another 3 years touching the bottom-most line of population and their world. During his journey through the financial sector the writer, with his keen interest in human psychology and humanity, nurtured Retail banking in the depth of his heart and blended his own life with this area of human science. There are indeed multiple books in the market on day to day banking operations and procedures. However, there is an insignificant attempt to unfold a threadbare discussion on how mature is Retail banking now after almost four decades of its growth in India. What actually is or should Retail Banking be or is expected from it.


In writing his memoir, Gautam Gan shared his own extraordinary journey to this book thus is rightly termed “Retail – The Lifestyle Banking,” which is a sincere effort to explore not only the spirit of this business vertical in banking in India but also explains how Retail banking revolves around the expectations of individuals and the delivery of the expectations.  


The areas covered in this book on retail banking are:

 A) Retail Banking

 B) Technology in Retail Banking

 C) Human Resource in Retail Banking

Retail Banking is about the desires and expectations of the banking population, the business is handled by a huge population in the retail banking arena. Hence, this has become a part of the life of Retail Bankers across the country irrespective of their ranks and responsibilities. It’s a story of a business vertical in the banking industry which enjoyed tremendous support from the IT sector and with the change in people’s Life Style, grew both physically and spiritually. We shall be happy if it is happy reading for the readers and also users in Retail Banking world in India.


Commenting on the launch Co-author Sreyashi Gan said: “People and Psychology have always been my passion. I am thrilled to contribute to the human angle of this book


Co-author – Udayan Gan Chowdhury, “I feel obliged today to be able to contribute to this book and dedicate this piece of work to the two gentlemen who laid down my foundations and made me capable to pen a few lines for you. Thank you, Baba and Dadan.”


About the Author


Spearheaded in priority banking in standard chartered. Founding member of retail Bank in Deutsche in India. Associated with Aajkal newspaper. Regular contributor for his paper on financial and economic issues in India. He is an eminent Retail banking personality in India, has travelled through ten Banks, both Foreign and Private sector, picking up bits of experiences with related skills and Success.

His first book “The Confessions of a Banker” published in 2016 with a ripple in the related market. An MA in English literature, Gautam Gan known to his huge friends and relatives as a poet too who already published “Ratnabali” and Nourelle” two books of poetic composition.

Career history of Gautam Gan :

Worked in Retail Operations in former Grindlays Bank
Manager in Branch Banking in Federal Bank
Senior Branch Manager in Standard Chartered Bank
Senior Branch Manager in ANZ- Grindlays Bank
Regional Head (East) and Head Direct Sales in HDFC Bank
Dy. Gen. Manager and Head Retail in ING-Vysya Bank
Sr. Vice President and Head Retail in Bank of Punjab
Sr. Vice President and Regional Head (East to West) in IDBI Bank
Vice President – Retail in Deutsche Bank
Sr. Vice President and Head Branch Banking in DCB Bank
Chief Operating Officer with Ujjivan Finance
Advisor to Eastern Metropolitan Club, Kolkata


Sreyashi Gan is the co-author of “Confessions of a Banker”. Daughter of Gautam Gan, this young lady is a Human Resource professional with a background in Psychology. On completion of her MSc in International Human Resource Management from United Kingdom, she is now working in the area of Learning and Development with Dale Carnegie. Her poem “Looking Back” was published by Greenspring Publishing, USA, in their collection of poetic works “Voices” where among 56 poets her composition was the only poem representing Asia. A strong passion for literature and psychology, Sreyashi has actively shouldered her contribution to the Human Resource part of the book.


Udayan Gan Chowdhury is the Gautam Gan’s son and has penned the IT aspect of this book. Udayan is an IT professional with academic background (MBA) in Finance and specialization in Banking. Currently a Senior Manager with Accenture Australia, Udayan has more than 10 years of experience implementing IT systems and consulting for the major banks in Australia across different banking domains playing the roles of Business Analyst, Business Architect, Project Manager and Program Manager. Udayan is recognized for his bringing thought leadership and innovation through business process re-engineering to global banking firms to improve their operations and customer experience.



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