R Gopinathan School of Economics, Shri Mata Vaishno Devi University, Katra, J&K INDIA   Assistant Professor, School of Economics Shri Mata Vaishno Devi University Katra Jammu, J &K 182320 INDIA   gopieco@gmail.com             JEL Areas: G : Financial Economics C4 : Econometric and Statistical Methods: Special Topics