The dawn of the New Financial Year brings with it a lot of new hopes and opportunities. The FY 2020-21 was a tumultuous year for the whole world and banking industry was no exception. Everybody has been struggling with the impact of COVID-19. I extend a note of gratitude to each and every member of HPGB Parivaar for their role through such a tough time. Nevertheless HPGBians stood up to the corporate expectations. They found hidden opportunities and delivered results.