For 30 years, Kuldeep Yadav has been a peon at a bank in Madhya Pradesh. This morning, raids at three of his six homes in Gwalior revealed assets worth Rs. three crore and counting. Mr Yadav, who is in his 40s, has worked at the Cooperative Bank since 1983, without a single promotion. His quiet presence apparently concealed wealth that could leave the top executive in his bank in the shade.