World Bank in India World Bank in India Vol 26 / No. 4 November 2024 BOOSTING APPLE CULTIVATION IN HIMACHAL PRADESH Videos 10 New 12 Publications 15 Projects 2 World Bank in India With its clear, crisp mountain air, India’s northern state of Himachal Pradesh is often called the “Apple State” of the country. “Apples are our livelihood,” explains Daksh Chauhan, In 2016 Himachal Pradesh, once again, rekindled the a young apple grower. “In my grandfather’s time, this pioneering spirit that had first brought apples to its whole area was very poor. Apple cultivation made our verdant hillsides, to recast the State as a veritable lives much better.” powerhouse of apple cultivation in India. Ever since apple cultivation was introduced into With support from the World Bank’s Himachal Himachal Pradesh almost a century ago, apples Pradesh Horticulture Development Project, the have formed the backbone of the State’s economy. State helped farmers to transform the way fruits are Around two lakh of the State’s 6.15 lakh hectares (Ha) grown. This included blending old traditions with the of cultivated land are dedicated to fruit orchards, new, introducing new planting materials, modern of which half (around 1.15 lakh Ha.) is under apple practices and techniques in farming, and creating cultivation. storage, processing, and marketing facilities to enable them to earn better prices for their produce. However, over time, the crop faced a series of challenges. Unpredictable weather conditions, combined with old low-fruit bearing orchards, traditional methods of cultivation and the lack of suitable irrigation facilities led to low farm incomes, especially for the smaller landholders. Consumer preferences have also been changing in favor of imported varieties, trapping small farmers in repeated cycles of loss year after year. 70% of the 400,000 people in families and Himachal Pradesh laborers are are engaged in dependent on Area under apple agriculture. apple cultivation. cultivation in Himachal Pradesh 1950 2023 Apples account for 400 1,15,680 80% of the state’s hectares hectares horticulture. 3 Six years later, the results are beginning to show. bigha annually. “In the last five years, I have earned as much by selling apples as I had in fifteen years of Spreading apple cultivation selling tomatoes," said Rajesh, a smile of satisfaction lighting up his face. to the lower altitudes In the coming years, barring any adverse weather Vegetables have traditionally been grown in the conditions, he expects to earn close to Rs 14-15 lakhs lower ranges of the hill State. Now, new varieties of per bigha, three times his current income. apples, better suited for warmer temperatures, were introduced. In Solan District, for instance, forty-seven- year-old High density cultivation Rajesh Kumar switched from growing vegetables to cultivating the new variety of ‘low-chill’ apples. The new varieties of apple trees also allow for high- "I followed my father into growing tomatoes and density cultivation. Because the trees are shorter – vegetables on our one acre of land,” recalled the young growing up to 8-10 feet – with branches that do not farmer from Kothi Dwara village. “The income from spread as wide as the earlier varieties, more trees can vegetables was barely enough for the family to survive. be planted on the same patch of land. Every year we had to spend on pesticides and fungicides. Irrigation was another issue.” “Previously, my income from apples was almost nothing,” explained Karan Singh from Solan district’s Dharo Ki Given these challenges, Rajesh used to earn just Rs. Dhar village. “Now I am able to plant almost 150 trees 50,000-60,000 per bigha (around quarter of an acre) of semi dwarf variety in a bigha, compared to just 20-30 a year. Now his earnings have grown eight-fold, with trees of the old varieties.” his apple orchard bringing in close to Rs. 4-5 lakhs per 4 World Bank in India Faster and higher yields The new varieties, also bear fruit faster. “They begin to bear fruit within 3-4 years of planting, compared to 6-7 years in the traditional varieties,” Karan said, enabling farmers to reap the benefits much sooner. What’s more, these trees give higher yields. “Each tree gives an average of 15-20 kilos of fruit.” Today, Karan Waterlogging due to poor drainage on terraced earns around Rs. 10-11 lakhs a year on average. fields also used to be a challenge as it robbed the soil of valuable nutrients and left the trees vulnerable to pests and disease. This was tackled by adapting irrigation techniques to suit the hilly terrain, and Solving irrigation issues training farmers in the use of drip irrigation. The project helped form clusters of farmers in the Around 260 minor irrigation facilities were same hydrological area. These clusters were given constructed, enabling more land to be brought under access to year-round irrigation by channeling water cultivation. All told, by October 2024, when the from the upper hillsides into newly constructed tanks project closed, irrigation facilities helped bring nearer their fields. Given the rainfall-dependent nature an additional 3,100 hectares of land under apple of their crop, and the seasonal availability of water cultivation, in addition to rejuvenating another resources, this provided much needed relief for the 10,900 hectares of existing orchards. farmers. 5 Marketing the produce The government’s e-marketplace app also made it easier for farmers to check the prices offered in across the country different parts of the country. This has helped both Karan and Rajesh find buyers as far away as Jaipur in To reduce post-harvest losses and enable farmers to Rajasthan, where they have been getting a good price secure better prices for their produce, three new fruit for their produce. markets were created, and six others were upgraded. These markets provided a platform for farmers and "Apples are our heritage and lie at the heart of the traders from across the country to engage with each livelihood of our people,” said Sudesh Kumar Mokhta, other. In 2024-25 alone, these terminals generated a Project Director, HP Horticulture Project. “A productive revenue of about INR 10.40 crore (around $1.2 million). and environmentally sustainable apple cultivation will thus be the bedrock for the prosperity of our farmers, both now and in the future." 6 World Bank in India Bringing international knowledge David Manktelow, a scientist with Plant and Food Research in New Zealand who helped train Himachal’s The project also brought in international expertise to farmers in the latest techniques says, “What took upgrade the planting materials and impart the latest us twenty years to learn in New Zealand can be knowledge to local farmers. Experts from New Zealand implemented in a few years in Himachal Pradesh,” and Netherlands assessed the soil and topography of commending the progressive nature of the State’s the region and offered their advice to the farmers. farmers. Karan has learnt much from the project enabling The Dr. Y S Parmar University of Horticulture him to make a big difference on the ground. “Experts and Forestry in Nauni, played a pivotal role in trained us in planting, pruning, providing appropriate disseminating the new learnings. Demonstration plots nutrition and watering the trees in the right manner,” were set up where farming practices adapted to the he explained. state’s soil and weather conditions were developed to sustain high density apple cultivation. Farmers were taught how to apply them. Overall, more than 90,000 farmers were trained under the project. 7 “The pioneering work done by Himachal Pradesh in boosting apple cultivation will not only benefit current and future generations of its farmers but will also lead the way for the rest of the country. Given the enormous variety of terrain and climatic conditions found in India, there is considerable potential to expand modern fruit farming in other states too, producing fruit not only for the Indian market but for international destinations as well.” Bekzod Shamsiev, Task Team Leader, World Bank Today, India’s hill state of Himachal Pradesh is leading the way in modern fruit farming, setting an example for the other states with strong horticultural traditions to follow. 8 World Bank in India 90,000 farmers trained in modern techniques of apple cultivation. Over 1.34 lakh beneficiaries under the Project. Over 80 enterpreneurs, including 37% women, are setting up agri-enterprises like fruit nurseries, bee-keeping and honey production, fruit processing and making anti-hail nets. • 30 Farmer Producer Companies formed. • Total turnover in 2023-2024 - Rs. 6 crores. • Engaged in fruit grading, packaging & cold storage. 9 Project Videos Largest Solar Plant with Battery Storage in Chhattisgarh The central Indian state of Chhattisgarh has constructed a 100 MW solar plant with a battery storage capacity of 40 MW/120 MWh. The batteries store solar energy during the day for use during peak demand in the evening. Supported by the World Bank and Climate Investment Fund, this innovative project takes forward India’s renewable energy target of achieving 500 GW by 2030. 10 World Bank in India Educating a New Generation of Skilled Agriculture Professionals To tackle declining farm profitability, the Indian Council of Agricultural Research, supported by the World Bank, is revamping agricultural education to create a new generation of skilled professionals. Seventy-seven agricultural universities across India are now offering an upgraded curricula which includes advanced training in GPS, drones, AI, and robotics delivered in state-of-the-art labs. These professionals aim to spearhead the next Green Revolution, making agriculture more productive, profitable, and climate-resilient. 11 New Projects Support to Farmers in Kerala to Adapt to Climate Change and Promote Agri-Entrepreneurship The World Bank has approved a $200 The Kerala Climate Resilient Agri- At least $9 million million project to help farmers in Value Chain Modernization (KERA) in commercial finance Kerala adapt to climate change and Project aims to benefit around boost agri-entrepreneurship. 400,000 farmers by promoting to be leveraged climate-smart practices. This benefitting includes replanting climate-resilient women-led varieties of coffee, cardamom, and SMEs. Benefit rubber, and expanding "food parks" 400,000 in rural areas. These parks will provide essential infrastructure like water, farmers in power, and waste management Kerala to support agribusinesses in food processing and value-added products. “This project will further infuse private sector investment and The project will also form alliances integrate agricultural value chains for between farmer groups and the benefit of farmers and SMEs. agribusinesses to strengthen the link Moreover, it will support agri-based between producers and buyers, with SMEs—especially women who the public sector facilitating these currently own only 23 percent of connections. Additionally, the project MSMEs in the state—to gain access will support the incubation of agri- to commercial finance by providing tech startups. At least $9 million in training for business plans and to commercial finance will be leveraged, strengthen their commercial viability.” particularly benefiting women- led agri-food small and medium Auguste Tano Kouamé, Country enterprises (SMEs). Director, World Bank, India 12 World Bank in India Strengthening Climate Resilience in Uttarakhand The Government of India, the Uttarakhand, a state prone to upgrade fire stations, benefiting Government of Uttarakhand and climatic and seismic disasters, faces 1.5 million people, and improve fire the World Bank have signed a $135 challenges due to its hilly terrain. and forest fire management, including million agreement to enhance Climate change is worsening these search-and-rescue capabilities. public infrastructure in Uttarakhand, issues, leading to more forest fires benefiting 10 million people. and glacier melts. “This partnership will enhance efforts The Uttarakhand Disaster to improve infrastructure and services Preparedness and Resilience for 10 million people. The project will Project aims to address these also train officials and volunteers, vulnerabilities by establishing a increase female employment Benefit state-level emergency operations in fire services, and establish a 10 million center and a multi-hazard early warning system. community program for forest fire risk management, including a carbon people in Uttarakhand. finance mechanism." The project will also build 45 flood- resistant bridges, reduce landslide Auguste Tano Kouamé, Country risks, and construct multi-purpose Director, World Bank, India disaster shelters. Additionally, it will 13 Revitalizing Forests and Creating Jobs in Tripura and Nagaland The World Bank’s Board of Executive The Project aims to create 60,000 jobs Directors has approved a new project “The Project will contribute to for youth and women, by promoting to support more than 700,000 people leveraging forests for private sector forest-based entrepreneurship to manage forest landscapes better driven job creation in non-timber through skills training in areas such and enhance forest value chains in economic activities, enhancing the as hospitality and training for nature more than 400 villages across Tripura carbon sink capacity of the forest, guides. and Nagaland. and ultimately contributing to economic growth and social well- The Project in Tripura and With almost 1.5 million hectares, being in Tripura and Nagaland,” forests form a vital part of the rural Nagaland will: economy in Nagaland and Tripura, Auguste Tano Kouamé, Country providing livelihood to significant Director, World Bank, India Conserve & restore tribal populations. 100,000 hectares The $225.5 million Enhancing The ELEMENT project aims to open of forest Landscape and Ecosystem up economic opportunities for Management (ELEMENT) Project communities through forest produce Create 60,000 jobs will help conserve and restore over such as agarwood, bamboo and for youth & women 100,000 hectares of forest thus honey in partnership with the private enhancing landscape-based value sector. It will also help to enhance Benefit 700,000 + chains for economic transformation national parks and protected areas, rural people while avoiding almost 435,000 tons as well as develop nature-based of carbon emissions per year . The tourism facilities. Save carbon Project will also strengthen soil emissions by 435,000 conservation and improve water tons per year availability. 14 World Bank in India New Publications JOBS AT YOUR DOORSTEP : A JOBS DIAGNOSTICS FOR YOUNG PEOPLE IN SIX STATES The Report is an in-depth jobs diagnostic study conducted by the World Bank in collaboration with the Ministry of Education and six states under the Bank-supported STARS Project - Himachal Pradesh, Kerala, Madhya Pradesh, Maharashtra, Rajasthan, and Odisha. The report highlights the importance of targeted skill education linked to local markets for improving the productivity of the workforce. The Report recommends both short-term and long-term actions required by stakeholders across Central Ministries and organizations, State education departments, State examination Boards, Industry, Private Sector, and Civil Society. 15 SOUTH ASIA DEVELOPMENT UPDATE OCTOBER 2024 Women Jobs and Growth The October edition of the biannual economic report - South Asia Development Update, titled "Women, Jobs, and Growth," has projected a robust economic upturn in the region, driven by strong domestic demand in India and faster recoveries in other South Asian countries. • South Asia's economy is expected to grow 6.2% annually over the next two years. • Legal reforms needed to enhance gender equality, accelerate job creation and remove barriers to women’s employment. • Increased trade openness and export orientation are key to boosting female employment. 16 World Bank in India BUSINESS READY (B-READY) 2024 Key Finding The 2024 Business Ready (B-READY) report assesses the business climate in 50 economies, offering an extensive Economies do better at enacting dataset of 1,200 indicators per economy to pinpoint areas regulations to improve the national for improvement and inspire reforms. This inaugural edition business climate than they do evaluates both the regulatory framework and public services in providing the public services aimed at businesses, examining how effectively they are needed to secure actual progress. implemented in practice. The report will gradually cover 180 economies by 2026. Visit the Business Ready website 17 POVERTY, PROSPERITY, AND PLANET REPORT 2024: PATHWAYS OUT OF THE POLYCRISIS The World Bank’s latest report, formerly Poverty and Shared Prosperity, highlights the critical Key Findings Vulnerability to Climate Change need to reduce poverty while • Almost half the global The poorest are increasingly protecting the environment. It population lives on less vulnerable to climate risks, with stresses that shared prosperity than US$6.85 per day. nearly 20% of people facing must be achieved without welfare losses from extreme damaging the planet’s future. • Income inequality weather events. remains high in Latin The report assesses the America and Sub- global impact of the current Saharan Africa. “polycrisis”—a convergence of • Global incomes must slow growth, fragility, climate The Path Forward increase fivefold to reach risks, and uncertainty. Global a minimum prosperity Addressing these interconnected poverty reduction has resumed, threshold of US$25 per challenges requires a coordinated, but at a slower pace than pre- day. inclusive global effort. Strategies pandemic levels. Nearly 700 must balance poverty reduction million people still live on less and environmental sustainability. than US$2.15 per day, with extreme poverty concentrated in Sub-Saharan Africa and fragile regions. 18 World Bank in India CYBERSECURITY ECONOMICS FOR EMERGING MARKETS In today’s interconnected world, where digital technologies are The Report: rapidly transforming economies, cybersecurity has become • Analyzes hundreds of crucial—especially for developing scholarly works and nations. thousands of cyber incidents from 190 The study “Cybersecurity Economics countries. for Emerging Markets” examines • Identifies trends and the economic impacts of cyber characteristics of cyber incidents globally. It explores threats, focusing on their how cyber-attacks can destabilize economic consequences. economies, disrupt vital services, and hinder development. • Highlights proactive roles for governments The book provides invaluable and private sectors insights for policymakers looking in safeguarding to fortify the digital ecosystem infrastructure. against evolving cyber risks. It offers practical, evidence- based policy recommendations, emphasizing strengthening national cybersecurity industries, improving awareness, and investing in research and development. STATE OF ECONOMIC INCLUSION REPORT (SEI) 2024 The 2024 SEI Report highlights the growing scale of economic inclusion programs that play a key role in building resilience and creating job opportunities, particularly in the face of overlapping crises. The report draws from 405 programs across 88 countries, benefiting over 70 million individuals. Key highlights of the Report • Economic Inclusion as a Resilience Tool: Highlighting the importance of these programs in building resilience during crises. • Customizing Programs: Focus on tailoring initiatives to diverse groups, with an emphasis on gender. • Government Program Design: Examining the role of governments and collaborations with NGOs and the private sector. • Climate Resilience: Exploring how programs enhance long-term climate resilience. • Emerging Trends: Featuring insights on youth-targeted strategies Data Access: and the growing role of digital tools. www.peiglobal.org 19 WORLD BANK ANNUAL REPORT 2024 The annual report, covers the period from July 1, 2023, to June 30, 2024. 20 World Bank in India Working Paper Series India WPS10967 WPS10927 CAN FACEBOOK ADS PREVENT MALARIA ? CHARACTERIZING GREEN AND TWO FIELD EXPERIMENTS BROWN EMPLOYMENT This study uses a cluster randomized India's transition to sustainable development controlled trial to evaluate the impact of a will impact labor markets and skill demands. nationwide malaria prevention advertising The Skill Council for Green Jobs identifies campaign delivered through social media necessary skills for green occupations. in India. The findings indicate an increase Analyzing 2019-20 labor data, the study in preventive measures adopted by sample estimates green and brown job sizes, clusters, which underlines the values of highlights the need for robust labor market targeted social media campaigns to fulfill monitoring, and underscores the importance public health goals. of investing in green skills to guide sustainability transitions. WPS10960 WPS10886 PRIORITIZING HEAT MITIGATION ACTIONS SPILLING OVER : THE BENEFITS OF PUBLIC CITIES : A COST-BENEFIT ANALYSIS UNDER WORKS PROJECTS FOR GROUNDWATER CLIMATE CHANGE SCENARIOS Groundwater depletion is a critical issue Extreme heat waves are increasing globally, in India. A study on the Mahatma Gandhi posing significant health and economic risks. A National Rural Employment Guarantee Act study on Lucknow, Chennai, and Surat projects (MGNREGA) reveals that constructing surface a one-third rise in heat-related deaths by 2050 water infrastructure under the program has and a 2-4% loss in economic output due to increased groundwater levels, particularly reduced labor productivity. Urban greening in states with numerous projects. This rise in and heat-health early warning systems are groundwater has boosted irrigation for high- cost-effective interventions, with the latter value crops and overall dry season irrigation. offering the highest benefit-to-cost ratio. 21 WPS10978 WPS10964 Poverty Lines and Spatial Differences in the Cost of Yielding Insights : Machine Learning-Driven Imputations Living to Filling Agricultural Data Gaps WPS10981 WPS10960 Behaviorally Informed Messages Increase COVID-19 Prioritizing Heat Mitigation Actions in Indian Cities : Vaccination Intentions : Insights from a Global Meta- A Cost-Benefit Analysis under Climate Change Scenarios Analysis WPS10961 WPS10979 How Regulations Impact the Labor Market : A Review of Reconciling Multi-Level Rights-Based Commitments in the Literatures on Product and Labor Market Regulations Development : Assessing the Legal and Administrative Imperatives of Responding to Education, Health Care, WPS10957 and Environment Protection Challenges Designing Air Quality Measurement Systems in Data- Scarce Settings WPS10980 Building Women’s Skills for Economic Inclusion and WPS10958 Resilience Crisis Credit, Employment Protection, Indebtedness, and Risk WPS10977 High Tariffs, High Stakes : The Policy Drivers behind Firm- WPS1095 Level Adoption of Green Technologies Fading Away Informality by Development WPS10974 WPS10955 Resolving Puzzles of Monetary Policy Transmission in Trade Restructuring : Assessing Labor Market and Emerging Markets Welfare Effects WPS10975 WPS10954 Maternal Mental Health and Its Influence on Revisiting Public Investment Multipliers : Nonlinear Children’s Early Development : Evidence from Khyber Effects of the Business Cycle, Fiscal Space, Efficiency, Pakhtunkhwa, Pakistan and Capital Stock WPS10971 WPS10952 The Timing versus Allocation Trade-off in Politically The Worldwide Governance Indicators : Methodology Constrained Climate Policies and 2024 Update WPS10969 WPS10950 Afghanistan’s New Economic Landscape : Using Technological Decoupling ? The Impact on Innovation Nighttime Lights to Understand the Civilian Economy of US Restrictions on Chinese Firms after 2021 WPS10949 WPS10966 Digitalization, Remote Work and Firm Resilience : Perceptions of Economic Mobility and Support for Evidence from the COVID-19 Shock Education Reforms WPS10948 WPS10968 Financial Deepening and Carbon Emissions Intensity : Is There an Underside to Economic Growth ? A Mixed- Evidence from a Global Sample of Countries Methods Analysis of Malaysia WPS10947 WPS10965 Household and Firm Exposure to Heat and Floods in Maximizing Output and Government Revenues from South Asia Mining in Developing Countries : The Role of Country Political Risk and Investors’ Return, and Implications for the Energy Transition WPS10946 Education, Social Norms, and the Marriage Penalty: Evidence from South Asia 22 World Bank in India WPS10945 WPS10919 Identifying Growth Accelerations Regenerative Agriculture in Practice : A Review WPS10943 WPS10918 Taxing for Growth : Revisiting the 15 Percent Threshold Questioning the Climate Change Age Gap WPS10941 WPS10916 Digitalization and Inclusive Growth : A Review of the How Well Did Real-Time Indicators Track Household Evidence Welfare Changes in Developing Countries during the COVID-19 Crisis? WPS10938 Long-Term and Lasting Impacts of Personal Initiative WPS10915 Training on Entrepreneurial Success Generative AI: Catalyst for Growth or Harbinger of Premature De-Professionalization ? WPS10937 Domestic Laws and Protectionism in Government WPS10913 Procurement Fiscal Challenges in Small States: Weathering Storms, Rebuilding Resilience WPS10933 Find the Fake : Boosting Resistance to Health WPS10911 Misinformation in Jordan with a WhatsApp Chatbot Do Capital Incentives Distort Technology Diffusion ? Game Evidence on Cloud, Big Data and AI WPS10931 WPS10907 Using Post-Double Selection Lasso in Field Experiments Hidden Debt Revelations WPS10930 WPS10908 Disaggregated Impacts of Growth on Multidimensional Identification of an Expanded Inventory of Green Job Poverty: Does the Source of Growth Matter? Titles through AI-Driven Text Mining WPS10929 WPS10905 The Financial Premium and Real Cost of Bureaucrats Firm Networks and Global Technology Diffusion in Businesses WPS10902 WPS10928 Export-Led Industrial Policy for Developing Countries : Is Jobless Development There a Way to Pick Winners? WPS10925 WPS10898 The Division of Revenues from Unexpected Demand Conflict and Firms’ Performance : A Global View Shocks WPS10891 WPS10923 The Accumulation and Utilization of Human Capital over Thirsty Business : A Global Analysis of Extreme the Development Spectrum Weather Shocks on Firms WPS10890 WPS10922 Sustaining Poverty Gains : A Vulnerability Map to Guide Rebating Revenues from Unilateral Emissions Pricing the Expansion of Social Registries WPS10921 WPS10887 Do More Informed Citizens Make Better Climate Policy How Redistributive Is Fiscal Policy in China? New Decisions? Evidence on the Distributional Impacts of Taxes and Spending WPS10920 It Takes a Village Election : Turnover and Performance in Local Bureaucracies 23 WPS10886 WPS10878 Spilling Over : The Benefits of Public Works Projects for High-Skilled Migration from Myanmar : Responses to Groundwater in India Signals of Political and Economic Stabilization WPS10888 WPS10877 The Mis-Education of Women in Afghanistan : From Wage Public Investment Quality and Its Implications for Premiums to Economic Losses Sovereign Risk and Debt Sustainability WPS10884 WPS10876 Refugees and Humanitarian Aid : The Rohingya Impact Rate Cycles on Bangladesh’s Development WPS10875 WPS10883 Measuring Social Sustainability : A Multidimensional A Learning Agenda for Community-Driven Development Approach : Responding to Complex Contextual, Evaluation, and Inference Challenges WPS10872 Rate-Based Emissions Trading with Overlapping Policies : WPS10882 Insights from Theory and an Application to China Development Acupuncture : The Network Structure of Multidimensional Poverty and Its Implications WPS10870 Who on Earth Is Using Generative AI ? WPS10881 “Crowding In” Effect of Public Investment on Private Investment Revisited WPS10867 Imputing Poverty Indicators without Consumption Data : An Exploratory Analysis WPS10880 What Data-Rich Assessments of Socioeconomic Inequality and Mobility in Rich Countries Overlook in WPS10866 Poor Countries Outward and Upward Construction : A 3D Analysis of the Global Building Stock WPS10879 Learning When Schools Shutdown : Impacts of H1N1 WPS10865 Outbreak on Learning Loss and Learning Gaps Absentee Landlords and Land Tenancy 24 World Bank in India World Bank Contact For more Information 70, Lodi Estate General information Global: www.worldbank.org New Delhi - 110 003 indiainfo@worldbank.org India: www.worldbank.org/in Tel: +91-11-4147 9301 Media Inquiries : WorldBankIndia 18-20 Kasturba Gandhi Marg mediaindia@worldbank.org : @WorldBankIndia New Delhi - 110 001 Tel: +91-11-4924 7601 Rights and Permissions: The material in this work is copyrighted. 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