00289pab a2200121 454500008004000000100002000040245005000060260000900110300001200119362001100131650001000142773001500152180718b2014   xxu||||| |||| 00| 0 eng d  aSingh, Kavaljit  aJan dhan yojana: Ambitious but ambiguous plan  c2014  ap.6-11.  a25 Oct  aBanks  aMainstream