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Second, what these tabular data being out is the vast inter-state and
interregional disparities. To begin with, the steepest increase has taken place
in the relatively well-developed southern and northern regions. The increase in
the ratio in the generally well-banked western region (from 9.9% in 1995-96 to
26.7% in 2010-11) has been sizeable, but the increase achieved as well as the
level attained has been far below the national average (from 7.6% to 33.8%).
At the other extreme, what stands out is the depressingly low level of increases
