Dr. amrinder Singh Indian Institute of Management Sirmaur   Rampur Ghat Road, IIM Sirmaur Paonta Sahib, Himachal Pradesh 173025 India   amrinder.singh@iimsirmaur.ac.in   www.iimsirmaur.ac.in           JEL Areas: G2 : Financial Institutions and Services: General O5 : Economywide Country Studies: General