Chanda Kochhar’s Letter To Her Daughter Echoes Every Mom’s Thoughts

Remember the first time you held your child in your arms and felt her breath on your cheeks? It is a moment you will never forget. Your baby is your dream come true, and from that moment till eternity, you promise to always love and protect her. However, parenting is a challenging task which demands your complete time and attention. There are a hundred things you want to tell your child, but time, energy and circumstances often have other plans. This is probably why Chanda Kochhar, MD and CEO of ICICI Bank, decided to say it in writing. Her letter to daughter Aarti echoes what every mom wants her daughter to know, believe and imbibe in her life.

Chanda Kochhar grew up in Jaipur, as one of a college professor’s three children. After her father’s unexpected death, when the family was reeling under shock, Chanda strung together all her courage and moved the family to Mumbai. Here, she started working to fund her children’s college education, and also obtained a Masters’ degree in management studies.

She learnt from her mother, who confidently faced the brunt of daily life as a single parent, never letting it affect those who depended on her. Today, Chanda is the first woman MD and CEO of ICICI, one of India’s top banks, and the youngest too. She has also made it to the Forbes ‘100 Most Powerful Women in the World’ list four times in a row.

Like every working mom, Chanda too lives through everyday pressures and stress. There’s the feeling of helplessness when you cannot take time out for the school annual function. There’s the guilt of not doing enough, even when you are doing all you can. And there’s also the fear that the stress will get to your children. But Chanda wants her daughter to know that come what may, there’s something that will always help you bounce back: family, a belief in yourself, and the desire to shape your own destiny. She pours her heart into this beautiful letter to her daughter Aarti, an excerpt from Sudha Menon’s book “Legacy: Letters from eminent parents to their daughters”.

Here’s The Letter from A Loving Mom to Her Daughter.

Dear Aarti,

It makes me feel so proud today to see you standing in front of me as a confident young woman right on the threshold of an exciting journey through life. I am looking forward to seeing you grow and flourish in the years ahead.

This moment has also brought back memories of my own journey, and the life lessons I learnt along the way. When I think of those times, I realize that most of these lessons were actually learnt in my childhood, mostly through examples set by my parents. The values that they instilled in my formative years gave me the foundation on which I try to live my life even today.

Our parents treated all three of us – two sisters and a brother – equally. When it came to education, or our future plans, there was no discrimination between us based on our gender. Your grandparents always had the same message for the three of us – that it was important to focus on what gave us satisfaction and to work towards it with utmost dedication. That early initiation enabled us to develop into confident individuals capable of taking decisions independently. This also helped me when I started out on my own journey of self- discovery.

I was only a young girl of 13 when my father passed away from a sudden heart attack, leaving us unprepared to take on life without him. We had been protected from life’s challenges so far. But without warning, all that changed overnight. And my mother, who had been a homemaker till then, faced the responsibility of raising three children all on her own. It was then that we realized how strong she was and how determined to do her duty in the best possible manner. Slowly, she discovered a flair for designing and textiles, found herself a job with a small firm, and quickly made herself indispensable to them. It must have been challenging for her to shoulder the responsibility of bringing up her family single- handed, but she never let us feel like it was a task for her. She worked hard till she saw all of us through college and we became independent. I never knew that my mother had such a wealth of self-assurance and belief within her.

As a parent with a full time job, one must not let work affect the way you relate to your family. Remember the time you were studying in the US and the announcement of my becoming MD and CEO of ICICI was splashed across all newspapers? I remember the mail you wrote to me a couple of days later. ‘You never made us realize that you had such a demanding, successful and stressful career. At home, you were just our mother,’ you wrote in your email. Live your life in the same way, my darling.

I also learnt from my mother that it is very important to have the ability to handle difficult situations and keep moving forward in life, no matter what. Even today I can remember the equanimity and calmness with which she handled the crisis on hand when my father passed away. You have to handle the challenges and emerge stronger from them, rather than allow them to bog you down. I remember how, in late 2008, we were faced with a situation where ICICI Bank’s survival was in jeopardy in the face of a global economic meltdown. The situation was being analysed with a hawk’s eye by major media platforms and debated widely in the public space… I got down to work, systematically communicating with all stakeholders – from the smallest depositor to the sophisticated investors, and from regulators to the government – the bank was sound and its exposure to these institutions involved a small portion of its assets.

I understood their concern because so many of them feared that their hard earned savings in our bank could be at risk. I also advised staff across the bank’s various branches to lend a sympathetic ear to those depositors who turned up to withdraw their money, telling them to also offer the depositors a seat and a glass of water while they waited. And though, depositors were welcome to withdraw their money if they wanted to, our staff also took care to explain to them that it would not help them to take their money away, because there was no real crisis situation.

It was during this period that I took a couple of hours off one day to attend your brother’s squash tournament. I did not know it then, but my very presence at the tournament went a long way in reinstalling customer confidence in the bank. A few mothers at the tournament came and asked me if I was Chanda Kochhar from ICICI Bank and when I replied in the affirmative they said that if I could still find time to attend a tournament in the midst of a crisis, it meant that the bank was in safe hands and they need not worry about their money!

It was also from my mother that I learnt the importance of adapting to circumstances and not being afraid of the unknown. While working hard for my career, I looked after my family, and have been there for my mother and in-laws when they needed me around. They reciprocated in kind with their unconditional love and support for my career. Remember that relationships are important and have to be nurtured and cherished. Also keep in mind that a relationship is a two way street, so be ready to give a relationship just as you would expect the other person to be giving to you.

My career would not have progressed the way it did were it not for your father who never once complained about the time I spent away from home. Your father and I nurtured our relationship despite the fact that we were both busy with our own careers, and I am confident you will do the same with your partner, when the time comes. If you had complained and whined about my extended absence from home, I would never have had the heart to make a career for myself. I am blessed with a great and supportive family and I really hope you too will be as fortunate when you set out on your own!

I remember the day your board exams were about to commence. I had taken leave from work so that I could take you to the examination hall myself. When you realized I was coming, you told me how you were used to going for your exams alone for so many years. It hurt me to hear you say that, but I also think in some ways, having a working mother made you much more independent from a very young age itself. You not only became independent, but also stepped into the nurturer’s role for your younger brother and never let him miss my presence. I learnt to have trust and faith in you and you have now grown into a wonderful, independent woman. I now use the same principle at work to make our growing population of younger talent take on larger responsibilities.

I believe in fate but I also believe that hard work and diligence plays a very important role in our lives. In a larger sense, we all write our own destiny. Take destiny in your own hands, dream of what you want to achieve, and write it in your own way. As you go ahead in life, I want you to climb the path to success one step at a time. Aim for the sky, but move slowly, enjoying every step along the way. It is all those little steps that make the journey complete.

As you go forward, you will sometimes have to take difficult decisions, decisions that others might scorn at. But you must have the courage to stand up for what you believe in. Make sure you have that conviction to do what you know is right, and once you have it, don’t let skeptics distract you from your path.

Aarti, there is no limit to what a determined mind can achieve, but in achieving your goal, don’t compromise on the values of fair play and honesty. Don’t cut corners or compromise to achieve your dreams. Remember to be sensitive to the feelings of people around you. And remember, if you don’t allow stress to overtake you, it will never become an issue in your life.

Remember that good times and bad times will be part of your life equally, and you have to learn to handle both with equanimity. Make the most of life’s opportunities and learn from every opportunity, and challenge that life brings along.

Lovingly yours, Mumma

Wasn’t that a heartwarming letter? It reaffirmed for us how, through good times and bad, if there’s one thing that has our back, it’s mom’s unconditional love. There may be occasions when you are too stressed or drained out to give your children the time and energy you want to. But trust us, they understand, and love you no end. You are their role model for life.