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"Development of banking sector and growth of saving and investment are positively co-related, the latter being largely dependent upon the power of people to save and on their will to save. There is a need to implement an extensive and systematic strategy to stimulate saving and banking habits in all segments. ""The banking habit, being a habit, has to be inculcated, cultivated and developed from boyhood"" and efforts must be taken in collaboration with school and colleges ""to promote thrift among young men and women, and the encouragement of such practical thrift would be desirable in every way."

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