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Authors
Ghosh, Avik https://orcid.org/0000-0002-6043-3807
Magotra, Ankit https://orcid.org/0009-0002-0575-8956
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Article History
Received: 23 February 2025
Accepted: 27 December 2025
First Online: 11 February 2026
Declarations
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: The authors have no conflicts of interest to declare. All co-authors have seen and agree with the contents of the manuscript, and there is no financial interest to report.The views expressed in this article are purely personal views of the authors and not those of the Reserve Bank of India.
