Kaushik Ghosh Indian Institute of Foreign Trade Kolkata   1583 Madurdaha Chowbagha Road, Ward No 108 Borough XII, Kolkata 700107 Kolkata, West Bengal 700107 India   kaushik_phdmkp21@iift.edu   http://www.iift.edu/           JEL Areas: E5 : Monetary Policy, Central Banking, and the Supply of Money and Credit: General O3 : Technological Change; Research and Development: General