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Durgadas Roy, Ph.D., D.Litt., an ‘Emeritus fellow’ of the University Grants Commission, new Delhi, is an outstanding scholar in Indian banking, particularly, in its rural aspect. He was formerly Senior fellow at the Indian Council of Social Fellow at the Indian Council of Social Science research (ICSSR), Delhi and was also a Visiting Professor in economics at the State universities of new York at Buffalo, U.S.A. In 1985-86, he was a honorary Visiting Scholar at the University of California, Berkely, U.S.A. In 1989, he went to GDR under the Indo-GDR Cultural Exchange Programme, university Grants Commission, Delhi as Visiting Guest Professor at the ‘Institute for economy of developing Countries’, Hochschule, East Berlin. Recently he has retied from the Rabindra Bharati University. Calcutta as Professor of Economics. A prolific writer, he has published many research papers and articles in professional journals, newspapers in India and abroad.