Anand Kripalu, the managing director and CEO of Diageo India, the makers of Johnnie Walker, Smirnoff and McDowell's, talks about how his middle-class values taught him to spend every penny carefully, never taking a loan in his life, why the Royal Challengers Bangalore team (RCB) is a fascinating part of Diageo's business, being of average intellect, and the negative perception around the alcohol industry.