New Delhi, May 25 -- For Kshitij Ranjan, 34, who belongs to a farming family from Bihar, lessons in frugality came early. While Ranjan's parents both had teaching jobs with the state government, this did not bring much relief. Their salaries were low and over a dozen members of their joint family were financially dependant on them. "Despite the hardships, my parents managed to educate me and my siblings. We all have good government jobs," said Ranjan, a Bengaluru-based central government employee. But a fixed government salary and nominal yearly hikes meant Ranjan lived paycheck to paycheck initially. The lack of liquidity hit him when his father suffered a brain haemorrhage in 2013. "For 10 days before he passed away, he was in the ICU, ...