Debjani Bhattacharyya Dinabandhu Mahavidyalaya, Bongaon, West Bengal   54, M M Ghosh Road, Udichi Apartment Flat 2/2, Dumdum Kolkata, West Bengal 700074 India   d_yya@rediffmail.com             JEL Areas: E4 : Money and Interest Rates: General E5 : Monetary Policy, Central Banking, and the Supply of Money and Credit: General