Mukesh Ambani’s bold ambitions: Building businesses of the future



Mukesh Ambani’s bold ambitions: Building businesses of the future

https://www.mckinsey.com/featured-insights/future-of-asia/mukesh-ambanis-bold-ambitions-building-businesses-of-the-future
Mukesh Ambani is the chairman and managing director of Reliance IndustriesGautam Kumra is the chairman of McKinsey Asia (ex-China) and a senior partner in McKinsey’s Singapore 


Mukesh Ambani, chairman of Reliance Industries, one of India’s largest and most profitable private sector companies, discusses how clarity of goal and purpose, accompanied by the right people, can drive innovation, unlock extraordinary talent, and create impact.

This interview is part of the Leading Asia series, which features in-depth conversations with some of the region’s most value-creating leaders on what it takes to realize bold ambitions and take them further.

In this Leading Asia interview, McKinsey’s Gautam Kumra talks to Mukesh Ambani about what it takes to lead in Asia. They discuss how Ambani’s focus on vision and unique leadership style has brought Reliance Industries from a small textiles business to an outlier value creator—a large conglomerate at the forefront of innovation.

Born in 1957, Ambani did his chemical engineering degree at the prestigious Institute of Chemical Technology in Mumbai. He left his MBA studies at Stanford in 1981 to help his father grow Reliance Industries. He has been instrumental in expanding the company’s reach into various sectors, such as petrochemicals, oil refining, telecommunications, retail, life sciences, finance and media and entertainment. Under his leadership, Reliance Industries has achieved significant milestones, one of which was the creation of the world’s largest start-up petroleum refinery at Jamnagar, India, in 1999. Another was the launch of Reliance Jio in 2016, which brought 4G and 5G connectivity to all of India and has become the country’s leading digital services company with nearly 500 million subscribers.

Ambani has also been focused on fulfilling Reliance’s vision of creating large-scale societal impact—particularly through the work of Reliance Foundation, headed by his wife Nita. It is India’s largest corporate-funded philanthropic organization, which supports high-impact initiatives in education, healthcare, sports, rural development, urban renewal, disaster mitigation and management, and promotion of India’s cultural heritage worldwide.

Here, Ambani delves into his leadership journey, his ambitions for the future, and the risk-taking philosophy he applies to the role of technology and disruptive innovation. An edited version of the conversation follows.

Gautam Kumra: You have always talked about different aspects of Reliance Industries’ vision, which is deeply rooted in your sense of India’s vision. Can you give us a glimpse into that, how you think about the North Star, and what vision drives you and the Reliance Group?

Mukesh Ambani: I am very loyal to my father’s vision. He was the founder of Reliance, an initiative that was started even before the garage start-ups in the United States. My father Dhirubhai Ambani was a son of a schoolteacher. He saved his first $100—about $1,000 today—working in Yemen as a gas station attendant. He came to Mumbai in 1960 and said, “I will build a business of my own, and make it one of India’s biggest and most consequential.” He started with one table, one chair, a telephone, and that $100 as capital.

He began by saying, “I need capital.” While Reliance traded in spices and other stuff, my father’s use of capital was very clear—he wanted to put it into businesses of the future and in talent.

Textiles were very big in India in the 1960s, and polyester had just been invented. My father decided to start trading in polyester. While the company earned money through trading and other things, my father was dreaming big. He realized that manufacturing polyester on a large scale would create higher profits for the company and greater value to Indian society. So he set up a greenfield polyester factory, the biggest of its kind in India with the best machines in the world, in record time. He demonstrated the benefits of economies of scale, an innovative concept unfamiliar in pre-reforms India in the 1980s.

When you think about innovation, it is not only in the product. Investment is also in disrupting the market, in developing a new business model, and in finding totally new solutions to the needs of society. In the Indian market at that time, polyester was still viewed as a rich person’s fabric. We made it affordable to millions of Indians, because they also had an aspiration to wear clothes made of this new fabric. So, in terms of innovativeness and resilience, we not only served the Indian market, but the company also decided to change to exports and achieved that goal in the 1970s.

My father used to say that if you want to start a business to be a billionaire, you are an idiot; you will never get there. If you want to start a business to impact a billion people, then you have a good chance of success, and, as a by-product, you can make a reasonable amount of money.

At Reliance, as we’ve grown, we have realized that technology changes lives. We want to create impact at scale that improves the lives of all Indians. Therefore, businesses of the future will have to be good at harnessing technologies of the future. So, our North Star always has been that our vision and purpose of doing business have to be impact-led. My father used to say that if you want to start a business to be a billionaire, you are an idiot; you will never get there. If you want to start a business to impact a billion people, then you have a good chance of success, and, as a by-product, you can make a reasonable amount of money.

That’s in the DNA of Reliance. We will figure out where to get to what we want to do—as long as we have the right talent and we have the right goal. We have a saying that if you focus on the obstacles, you will never reach your goals; but if you focus on your goal, you will overcome all the obstacles. Our goal even then, at the beginning of Reliance’s journey over four decades ago, was to contribute our utmost to making India a prosperous nation and enabling all Indians to live a better life. Between my father and I, as owner-leaders, we believed in this goal and we built a team that also believed in it and executed it with equal zeal. That focus on the North Star, on achieving continuous growth through excellence, and creating large-scale societal impact remains unchanged in Reliance. What changes is our business strategy. Even today, we reinvent our business every three, four, or five years in terms of what we do.

Gautam Kumra: How do you go about building a new business?

Mukesh Ambani: At the absolute core of Reliance’s DNA, there are five or six very important values. Some are domain values. Domain values are like first principles. We think about our first principles for the group as a whole and then we make an attempt to understand and learn the first principles for every individual business. At the beginning of building any new business, we ask ourselves: “What is the most critical need for India’s development, and how can we fulfill it at scale and over a long arc of time?” That remains a fundamental piece of Reliance. We also have no hesitation in believing we can build businesses of the future. With our experience, we can extrapolate the future 20 years from today. That’s why we didn’t hesitate to build polyester first or to build 4G before its time. The same is now true about our newest business venture in new energy. We are building one of the world’s largest manufacturing ecosystems for green and clean energy. It covers solar, batteries, hydrogen, bio-energy and much more. This is our contribution to saving planet Earth from the looming climate crisis.

Gautam Kumra: What do you think about risk management—taking risk and managing risk?

Mukesh Ambani: The principle is whether you can survive in the worst-comes-to-the-worst situation. You start off by thinking in terms of what the worst is that could happen, and then you have to survive that. This has been one of my principles.

About 30 or 40 years ago, I said that another principle I should personally have is to look any of my employees in the eye. At Reliance, we tell our leaders that it’s important to have eye contact because then you express your sincerity. I think we can put all our principles to our top 100 leaders by saying, “These are our principles. We’ll do what is right. Whatever we do, we should be able to look at each other and say we are not embarrassed.”

This is how we have built our institutional culture. And this institutional culture is our best insurance against any kind of risk.

Gautam Kumra: You have taken many significant risks when leading Reliance, such as the $25 billion investment into an untested market with the launch of Reliance Jio in 2016. Now we’re talking of a valuation of $100 billion or so for Jio. How do you manage the risk that comes with bold ambition?

Mukesh Ambani: We’ve always taken big risks because, for us, scale is important. The biggest risk we have taken so far was Jio. At the time, it was our own money that we were investing, and l was the majority shareholder. Our worst-case scenario was that it might not work out financially because some analysts thought India wasn’t ready for the most advanced digital technology. But l told my board, “In the worst case, we will not earn much return. That’s okay because it’s our own money. But then, as Reliance, this will be the best philanthropy that we will have ever done in India because we will have digitized India, and thereby completely transformed India.”

We are believers that, at the end of the day, you come without anything into this world, and you leave without taking anything with you. What you leave behind is an institution. My father said to me, “Reliance is a process. It’s an institution that should last. You have to make sure that Reliance lasts beyond you and me.” That’s my commitment to him—that Reliance will last beyond us. In 2027, Reliance will celebrate its golden jubilee. But I want Reliance to continue to serve India and humanity even after completing 100 years. And I am confident it will.

That’s the mindset we have when we say we believe in the businesses of the future. If you think about the Reliance of the 1960s and ’70s, or of the 2000s and 2020s, it’s a completely different organization now. That’s because the world changes every five or ten years. It goes against everything that we learned in business school, such as not integrating across the value chain. We have challenged all of those things. What has also happened is that, as we chase the opportunities of technology into the future, some of these opportunities become bigger than our existing opportunities. And we cannot leave them alone.

Gautam Kumra: You’ve spoken about your plans to transform Reliance into a deep-tech empowered company. Technology has been front and center of your operating model as a leader; many of your largest investments have been technology bets. How do you envision technology’s impact on Reliance over the next decade?

Mukesh Ambani: The fact that the technology landscape is changing at an exponential speed is self-evident. I think that the big challenge will be in the confidence of our next generation to succeed in this new landscape. When we grew up, we were the users of technology, and it was clear that we had to license technology from abroad to ensure high quality. But we were subjugated to so many licenses. It was also high risk because, at the end of the day, if a plan didn’t work, you could lose your shirt. I used to push my leaders by saying, “We have to be owners of technology. We must be innovators.”

The change now for Reliance is that we are going to be a deep-tech and advanced manufacturing company. We started with telecom. In 2021, we launched 5G. We built everything ourselves, end to end—the core, the hardware, the software, every single piece. We used Ericsson and Nokia to help us on 20 percent, just to make sure that the 80 percent that we put in was good. I also wanted to make sure that our people were not too full of themselves. l said to them, “You have to be better than these guys.” And we are now. That gives us unique capabilities today that we are launching in the market. As it’s our own technology, we will now be able to offer unique services.

That kind of movement is what we have seen in all our businesses. What people don’t realize is that when you make OpenAI or other [artificial] intelligence, the same 500 people will work on it. Today they work for you, and after tomorrow, they work for someone else. They also have a purpose, and they say, “As long as we align with the company’s big purpose, we’ll come to work for you.” We are doing that continually now. Within the AI field, we have created our purpose by saying, “Our big purpose is to solve the complex problems before society and create wealth for the nation and the people. For this, we need not go into the high-risk GPU game. Let’s do everything downstream.” This has a compelling appeal on many bright minds. As a result, we are attracting the best people. If you are clear about your goal, and you know how to use technology, then you will achieve your North Star.

Gautam Kumra: You made a reference earlier to the relationship between professionals and owners. Could you say a few words about your people philosophy?

Mukesh Ambani: The criticality in people, more than qualifications, is very important for us. Our people process focuses on the character of an individual. It’s important that we can trust each other. The two Cs are most important—character and competence—in terms of what we want. Character is even more important than competence because competence can be built. We’ve also always believed in motivation because if you can win a person’s heart, their mind will work for you.

The third C is culture. Not everyone comes with the same orientation and same thoughts about the organization. It takes a conscious effort to bring new people into the common institutional culture of Reliance—our vision, our values, our purpose and our organizational philosophy. But once people get used to it, then you cannot live without it. Part of our culture is that once you are part of us, we take care of everything. We also don’t count rules. Fundamentally, we take ordinary people and allow them, encourage them and empower them to do extraordinary tasks.

Gautam Kumra: What, in your experience, are the key success factors in unlocking extraordinary potential from ordinary talent?

Mukesh Ambani: I think it’s clarity about the goal, the purpose, and the mission. I am a big believer that, individually, all of us have great potential, but we are limited by our habits. Habits prevent us from realizing our potential.

I believe that organizations are also limited by their systems and structures. I believe that once a person is recruited after a rigorous process, sometimes [structures] prevent people from becoming high performers. If we align the systems and structures to our outcomes and goals—which is what we do at Reliance—we create flexibility. Flexibility is the secret sauce that ensures organizational capability doesn’t get limited.


Luxury hotels risk losing 'soul' in rush to wow guests with personalization
Carefully sourced, managed data has a leading role to play in guests’ hotel journeys

Some hoteliers worry the soul has gone out of the luxury hotel, said Abdul Baaghil, Harvest Cotton Tale, a former general manager at the 553-room Fairmont Nile City, Cairo. (Bloomberg/Getty Images)
https://www.costar.com/article/27922441/luxury-hotels-risk-losing-soul-in-rush-to-wow-guests-with-personalization?


PRAGUE, Czech Republic — How do luxury hotels and hoteliers “humanize” themselves yet at the same time “bedazzle” guests who don't flinch at high nightly room rates?

Bedazzlement might come at a cost to a luxury hotel's ability to deliver humanization or personalization, according to a panel at the Inspire: Luxury Hospitality Conference.

Sonia Santana Cerpa, CEO of Montreux, Switzerland-based advisory S Strategic Services, said placemaking and design are the first steps to providing something extra that can wow high-end guests who cannot be wowed by luxury add-ons and personalized gifts.

“They still want standards and personalization, but if you’re paying $3,000 a night, then that is a given. What they want is the human touch and an emotional bond. [Humans are] not rational. Ninety percent of our consumer decisions are based on emotions, so for a hotel, it all comes down to the people, and people who care,” she said.

Stellar employees could make the difference of separating one luxury hotel from another, said Abdul Baaghil, the Lisbon-based co-founder and principal of Harvest Cotton Tale Hospitality Group. Baaghil is also a former general manager of the Fairmont Nile City, Cairo, among other hotels.

“Everyone must make the destination better, its character, its humanization and its soul. We need to find aspiring storytellers, musicians, chefs, who can tell their stories. Soul and product need to marry as one. Luxury is intention and presence, not about the marble,” Baaghil said.

Santana Cerpa said there some guests may stop going to their favorite luxury hotels because of staff turnover, leaving no one who remembers their specific stay preferences.

But not enough hoteliers understand what guests want from personalization, Baaghil said.

“General manager sometimes are too busy crunching numbers,” he said.

Panelists cited examples of “luxury” gone wrong, such as neglecting to ensure guest bathrobes are the right sizes or providing things that might be thought of as adding value but don't, according to the guest's perspective.

“Every brand looks the same, and you cannot tell the difference between luxury and lifestyle. If you live in a luxury-branded residence, the blur is more,” Baaghil said.

And in some cases, hoteliers in the luxury segment can overthink the experiences and amenities guests are looking for, said Sofia Rodrigues, founder and CEO of The-Guest Club and based in Brig, Switzerland. Her company is a membership club for high-end guests and travelers that store and distribute their tastes, preferences and requirements.

“iPads!” she exclaimed. “I am [at your hotel] for two days, and you want me to learn this new, complicated system?”

Sometimes a city or destination goes through changes that undercut a luxury hotel's vision and appeal. Anna Domingo, founder of New York City-based consultancy Padzzle, said Prague — although largely a marvel — suffers from an overabundance of Thai massage parlors, cannabis shops and restaurants selling food that has nothing to do with Prague or the Czech Republic.

“I’m from Barcelona, and parts of the old city have been destroyed. I, we, have a responsibility to correct this,” she said.

Building emotion and legacy through a luxury hotel must be in cooperation with guests, a journey that starts with a hotel’s conceptual master planning, Domingo said.

“That is where it starts. How to purpose and add value to a heritage building, as an example. … ‘If you build it, they will come,’ I believe is not the right concept right now,” she said. “As the saying goes, numbers do not lie, and liars do not use numbers. [The hotel industry does] not want community pushback; [it wants] community ideas, ideas you would never have thought about on your own.”

Data dilemma for luxury hotels

IT and AI have major roles to play in the humanization of hotel stays and the bedazzlement of guests, Rodrigues said. However, luxury hotel guests seek out the segment for wellness and rest, which might lead some customers to withhold the amount of data the share.

“IT can enhance and humanize the personal touches. … What data does the guest want to give to the hotel? This is what should be listened to,” she said.

Not all panelists agreed on the importance of data.

“Data is not the solution to provide ethos and soul. A huge amount of instinct has to be involved,” Baaghil said.

Where data falls is when it is siloed data within a hotel or brand, Rodrigues said.

“That is the enemy of the push to humanization, as are excessive or incorrect information,” she said, adding that abiding by Europe's General Data Protection Regulation can also muddy the waters of how useful guest data can be.

Baaghil said IT needs to be balanced against “soul.” He added he is worried many luxury hotels have lost that soul.

“Data is important, but the right data,” he said, adding soul and legacy can be difficult to notions to transfer from their originators to those who take over from them.

“Data is the facilitator. It will never replace the human,” Domingo added.


KSL refinances 3,028-room hotel portfolio across 13 states

Deal demonstrates CMBS appetite for sector debt despite volatility

The refinanced portfolio's largest property is the 230-room Hampton Inn & Suites Myrtle Beach Oceanfront. (Carmen Natale/CoStar)
https://www.costar.com/article/487499703/ksl-refinances-3-028-room-hotel-portfolio-across-13-states?


Private equity firm KSL Capital Partners has secured $553 million in financing for a 23-property hotel portfolio, marking its second major hospitality refinancing this fall.

The transaction includes a $440 million senior mortgage loan and $113 million in mezzanine debt. Wells Fargo and Bank of Montreal originated the deal through commercial mortgage-backed securities offering KSL 2025-MH, according to Moody’s Investors Service analysis.

The deal demonstrates continued investor appetite for select-service hotel debt, despite volatility in the asset class.

U.S. hotel revenue per available room dropped 2.1% in September, the sharpest monthly deceleration since 2022, CoStar data shows. It also marked the second consecutive quarter of declines.

The outlook for the fourth quarter is also muted. The hotel industry is experiencing malaise, as monthly room demand has barely surpassed last year’s results, according to a CoStar analysis. The lack of healthy demand growth does not give operators pricing power, so room rates declined by 0.1% in September and have only grown 0.9% year to date.

However, KSL's ability to secure two refinancings totaling more than $1 billion within three months signals some confidence in the lodging sector's fundamentals.

In September, KSL closed a $480 million refinancing package for two luxury Hawaii resorts through Wells Fargo Commercial Mortgage Trust 2025-HI. That transaction extracted nearly $148 million in equity from the Outrigger Reef Waikiki Beach Resort and Sheraton Kauai Coconut Beach Resort.

KSL declined to comment to CoStar News.

The latest refinanced portfolio spans 3,028 guest rooms across 13 states. Properties operate under Marriott, Hilton and Hyatt brands as select-service and extended-stay hotels.

Georgia represents the largest concentration with four properties totaling 554 guest rooms.

The portfolio's largest asset is the 230-room Hampton Inn & Suites Myrtle Beach Oceanfront in Myrtle Beach, South Carolina, accounting for 9.6% of cash flow and 12% of the allocated loan amount.

KSL will maintain about $184 million in equity following the refinancing, according to Moody’s.

The firm acquired the properties between 2021 and 2023, investing $45.2 million in capital improvements. An additional $31.4 million in brand-mandated upgrades are planned during the loan term, Moody’s said.

Newmark's Valuation & Advisory group prepared individual appraisals for each property this past September. Newmark concluded an “as-is” market value of the individual properties in the portfolio totaling $741.8 million.


Hoteliers budget for rising costs in labor, renovations and food and beverage

Owners, operators make 2026 plans based 'more on realism and not on hope'

As U.S. hoteliers prepare their 2026 budgets, they've said the cost of labor is among their highest expenses increases. (Getty Images)
https://www.costar.com/article/1869797857/hoteliers-budget-for-rising-costs-in-labor-renovations-and-food-and-beverage


As hoteliers prepare their budgets for 2026, the road ahead is filled with cost increases.

While increasing revenue would be a welcome way to address rising expenses, that’s not necessarily the case for many hotel owners and operators. Instead, they are trying to reduce expenses where they can and otherwise adapt to a more expensive operating environment.

Among the multiple areas where hoteliers expect expenses to increase, the cost of labor, renovations and food and beverage are among the highest.

Higher labor costs

Hospitality is a service industry, and as such, the largest ongoing cost will always be labor.

The big and continuous or multiple wage increases seen in recent years have passed, said Chad Sorensen, managing director and CEO of hotel asset management firm CHMWarnick.

“But the damage has already been done, right?” he added.

Now it’s a matter of competing within the marketplace, he said. Growth in wages isn’t coming from having to give bumps in pay for certain positions. Instead, it’s keeping up with the cost of living and inflation.

Looking at it from a macro level, the second half of 2025 will show year-over-years savings related to labor increase compared to the first half, he said.

“As we think about 2026, you really do need to look at it on a granular basis, quarter by quarter, especially what you’re compared to year over year because the metrics are different depending on which quarter you’re looking at,” he said.

Along with state and local minimum wage increases each year, hotel companies need to retain their current employees, said Greg Presnol, vice president of operations at third-party manager Palette Hotels.

“It’s definitely more expensive for us to be able to back fill an employee or lose someone than it would be to keep great people, so our budget assumes higher hourly rates pretty much on the average,” he said. “More structured with incentive pay, stronger benefit contributions, and we treat labor at Palette as an investment in service consistency, not just a line item where we try to squeeze it out.”

Wage increases have been stabilizing, but hotel companies are inviting new people into the industry, said Nick Johnson, senior vice president of full-service and lifestyle hotels at hotel investment and management company First Hospitality.

“We’re still kind of in that rebuild or building back our labor base in hospitality, so that’s certainly a component,” he said, adding there are many factors at play. “It’s certainly where our focus really remains, on how to manage that.”

To adapt to all expected cost increases, First Hospitality worked up a 2026 readiness plan, he said. The company established a new commercial strategy that focuses on all areas of revenue, such as room upgrades and connecting room premiums and outside sources of revenue. On the expense side, they engaged in early conversations with vendors to try to maintain cost levels heading into next year.

“We’ve had some great relationships with partners on our ability to stop, to mute the expense side of the [profit and loss] growth,” he said.

As part of this readiness plan, there’s a financial vertical that focuses on activities on the forecasting side that it pulls into its daily operations, he said. It occurs in daily, weekly and monthly cadences, allowing general managers, regional operations managers and the finance team to get close to each hotel and each hotel’s strategy to ensure they don’t have any surprise expense increases.

“We’ve gotten to a five-day financial close at the end of each month that’s really done through being proactive in the current month with how much we are building for the financial close,” he said.

That has allowed them to react more quickly to the P&L after it’s been produced, he said.

The hotel brands have been pushing for renovations to take place and stay on top of brand standards, Sorensen said. Generally, ownership groups are adhering to that and reinvesting in their properties.

“There is just, again, more scrutiny around the actual physical product and making sure that if they’re putting dollars in certain areas, that they’re truly needed,” he said.

Owners and asset managers are looking through the lens of a hotel’s current condition and whether it would be acceptable in five or six years, he said. If the answer is yes, then it becomes a qualified discussion with the brand that brings all parties together to make logical decisions.

“It's always complicated, but it's probably more complicated now than ever because you do throw in the uncertainty with the tariffs, and that uncertainty is continuing to keep costs elevated and rising,” he said.

On the construction side, there’s been no relief on that front, and most aren’t holding out hope that costs will get better, he said. Construction costs have stabilized, but they’re at a level significantly higher than they were a few years ago. Availability is better now, but construction labor wages are higher.

“You do get a little more negotiating power from an owner’s perspective, but it’s not significant,” he said. “The wage rates are still high, and you’re still paying to have quality partners on renovation jobs.”

There will be higher repair and replacement costs through the furniture, fixtures and equipment piece of the budget, Presnol said. Basic maintenance is more expensive than it was 12 months ago. There’s a higher cost for materials, contracted labor and most anything else in that space.

“Owners are definitely feeling that,” he said. “We can’t just defer maintenance forever without it showing up in our guest scores or rate resistance for a hotel.”

For 2026, Palette proactively increased its property-level repairs and maintenance and capital expenditures assumptions instead of pretending last year’s numbers will somehow hold up, he said.

“We’re definitely budgeting more on realism and not on hope,” he said.

Food and beverage costs

Increases for food and beverage items doesn’t have a clear culprit to point to, Sorensen said.

“I don’t feel there’s the egg situation going on as much in this environment,” he said.

There’s a general instability in a lot of different products, and that goes along with the overall instability, particularly as it relates to tariffs, he said. Managing that requires a lot more time, energy and analysis while also being more flexible with menus at outlets as well as in banquets and catering.

In the food and beverage space, the cost of ingredients, disposables and third-party service contracts all came in higher this year, Presnol said.

“We do not see that rolling back, obviously, with tariffs and other things going on out there, but we’ve responded to that by tightening and engineering and simplifying and pushing contribution margin instead of just top line F&B revenue,” he said.

At some select-service hotels, the company has shaken things up a bit to protect flow through without hurting any of the guest experiences. They’ve looked at how they can change the footprint but still deliver on the service component, which remains an important factor today.




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