Let me list a few:   The basic reason for the declining allocational efficiency is the lack of banking penetration in the country. This has resulted in the denial of basic banking services such as provision of savings and credit facilities to large segments of our population.
The main objective of the ACU is to provide a facility to settle current international transactions among members on multilateral net settlement basis. The ACU mechanism also provides for a currency swap type mechanism amongst members for trade transactions. ACU aims to promote monetary co-operation amongst the members and has also resulted in closer relations across the banking systems of the member countries.