When K.V. Kamath took over as CEO and managing director in 1996, ICICI had a total asset base of Rs 23,324 crore. When he left in 2009, it stood at Rs 3,80,000 crore. If you were to rank the reasons for the runaway success of Kamath’s career, somewhere high up must come his uncanny ability to put his finger on the pulse of the average Indian.