00277pab a2200121 454500008004000000100001600040245004400056260000900100300001100109362000800120650001100128773001600139180718b2002   xxu||||| |||| 00| 0 eng d  aPatel, A.R.  aRural credit system: need for revamping  c2002  ap.4-9.  aAug  aCredit  aKurukshetra