People close to Shanghvi reveal he is known to make surprising moves both inside and outside the pharma industry.
Shanghvi needs to deploy this excess cash.
Last year, the software giant launched a cloud adoption programme for SMBs.
Dhirubhai Ambani lived in a one-room chawl in Mumbai with his wife and children and went on to establish the Reliance Group.
The niche banks - small finance and payments banks -have been set up to further the regulator's objective of deepening financial inclusion.
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