It is a hot, dry 23 March. Just before lunch.

“This has been a bank for the last eight years,” says Dileep Kumar Mehta, bank manager of Andhra Bank in Kota.

No kendra? “Never.”

Did they conduct camps? “No.”

Is the address correct? “Yes.”

Do you know about them? “Yes, I have heard about them. But they were never here.”

It is a surreal conversation. The address is right, to the T, from the annual report of Vakrangee, but the kendra doesn’t exist.

A few weeks back, The Ken took a short trip to Kota.