Diganta Mukherjee Indian Statistical Institute, Kolkata, India   Economic Research Unit, Indian Statistical Institute, 203, B.T. Road, Kolkata – Kolkata, West Bengal 700 108 INDIA   diganta@isical.ac.in   http://www.isical.ac.in/~eru           JEL Areas: I3 : Welfare and Poverty: General G2 : Financial Institutions and Services: General