Subject(s): Economic policy -- Economic conditions -- Economic history. -- Macro perspective of growth : Development conscience, growth base revealed, policy makers v/s econometricians, upgrading productivity capabilities, food grains surpluse, development conscience factor -- Monetary and credit policies : cutting interest rates monetary policy, credit policy,credit policy imperatives -- Banking and savings : Ails co-operative banking, banking on commercial banks, UTI, small savings and financial crisis, UTI in retrospect, small savings and market mythology, bank shares, capital market and governance, IDBI - yielding to bureaucracy pressures -- Utilisation of Forex reserves : Revitalise the economy, capital account convertibility -- Crisis of capitalism : American capitalism, systemic approach to privatisation, good governance -- Fiscal policies : Kelkar proposals - accountant's approach to tax reforms, Kelkar panel final report fiscal prudence, retail trade in government securities -- Hunger, poverty and rural development : Food distribution and growth equity linkages, WTO- agricultural exports and growth