00409pab a2200133 454500008004000000100002400040245010500064260000900169300001400178362001100192650001800203650001000221773004400231180718b2003   xxu||||| |||| 00| 0 eng d  aMisra, Biswa Swarup  aAllocative efficiency of the Indian banking system in the post-reform period: a state level analysis  c2003  ap.161-86.  aWinter  aBanks - India  aBanks  aReserve Bank of India Occasional Papers