In her final year of college, studying Commerce and Statistics in Mumbai, Vijayalakshmi Iyer, then 19, saw an advertisement for the nationalised banking service on her college notice board. Looking at the dates, Iyer realised there was only one day left to submit her application. Immediately, she decided to apply. Owing to a combination of factors, Iyer reached the exam hall 90 minutes behind schedule. But a delay in the arrival of the question papers ensured she made it in the nick of time. “That was when I realised that I was destined to be a banker”.