<p></p><p>The ban on the circulation of Rs.500 and Rs.1000 denomination notes has reduced the cash flow in the Indian retail sector. Consumer is purchasing groceries, vegetables, medicines and other needs as he gets only Rs.20000 worth of change per week.Situation will improve from the last week of November.Consumer now spends less and saves more. But he will definitely utilize his savings when the cash flow improves.</p><p></p>