At 10 pm, Baljinder Singh, a senior citizen, is curled up on the pavement outside a state-run bank in the village of Sangrur in Punjab. It is 11 degrees. The night is thick with fog. The 71-year-old farmer covers himself with a shawl. But his home and bed are not a viable option. The winter is only one endurance test. The greater challenge is in getting cash.
