Growth and development of financial markets and

institutions are not only the source of prosperity of the

nation but also provide an extensive opportunity to citizen

of the country to have more variety and more avenues in

term of effectiveness and efficiency of financial services.

Over the Eighth to the Eleventh five year plan so far - an

18-year period that coincided with the structurai and

financial sector. reforms process - the average rate of Gross

Domestic Savings (GDS) increased by around 14

percentage points. This was higher than the increase of

around 11 percentage points in the GDS rate that occurred

over the First to the Seventh Plans, a period of around 40

years. The maximum increase (of round 8 percentage

points) in the average GDS rate occurred over the Tenth

Plan (2002-2007) as per reports of planning commission,

government of India. Before that the decade of the 1990s

marked the initiation of wide-ranging structural reforms

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