“…However, more light on this study can be focused if one would have included an empirical study. Overall this study is of academic interest as well as of practical importance, see, Diana et al (2011), Singh et al (2013) and Singh and Solanki (2013 a, b), Solanki and Singh(2013), Singh et al (2013), , Solanki et al (2015) and Singh and Pal (2016) etc.…”