Dear Mr. Ratha,
I follow your reports on remittances furnished on the WB website and for anyone working in this industry, it has always remained our Bible. Was curious to understand one thing though, when you mention that remittances to India in 2015 was $71 bn, are all of it family remittances? because today there are not even formal channels to send money from countries like Bangladesh, Pakistan and Sri Lanka to India which constitutes a major chunk of the $71 bn.
Look forward to you hearing from you. You may reach out to me on my email [email protected] or IM me on my LinkedIn (we are connected).