During the ninth annual convocation of the Indian Institute of Management (IIM) Jammu, Sandeep Bakhshi (CEO of ICICI Bank) characterized India's current economic climate as a 'Goldilocks moment', highlighting strong economic growth and rising global confidence. He praised the impact of India's digital public infrastructure, such as Aadhaar and the Unified Payments Interface (UPI), in promoting financial inclusion and innovation across various sectors. At the event, 520 students received degrees, with 289 from the MBA program alone. Bakhshi noted the banking sector's transition from traditional models to technology-driven systems, emphasizing the importance of resilience and adaptability for sustained success. IIM Jammu's Chairman, Milind P Kamble, stressed the need for strong industries and AI literacy, while Director Prof B S Sahay celebrated the institute's achievements, including its 35th rank in the National Institutional Ranking Framework (NIRF). He underscored the convocation as a launchpad for future entrepreneurs aligned with the national vision of Viksit Bharat 2047.