00357pab a2200133 454500008004000000100002100040245006600061260000900127300001400136362001100150650001800161650001000179773003400189180718b2005   xxu||||| |||| 00| 0 eng d  aKhandelwal, A.K.  aUniversal banking: solution for India's financial challenges?  c2005  ap.969-74.  a18 Mar  aBanks - India  aBanks  aEconomic and Political Weekly