Saikat Sarkar Independent Researcher   A 103 Sai Shraddha Apartment Deonar Village Road Govandi East Mumbai, Maharashtra 400088 India   saikatsarkar098@gmail.com             JEL Areas: E3 : Prices, Business Fluctuations, and Cycles: General (includes Measurement and Data) E5 : Monetary Policy, Central Banking, and the Supply of Money and Credit: General