None of the Indian cities will have large engouh space for these mega stores to operate from within the city so they will be located on the outskirts. Now, you may argue, that therefore they are not competing with the bania, but hold it for a moment.The same bania also provides 15-30 days credit to the lower and lower middle class of our society, and makes sure that they can survive till the next pay check. The bania is able to do this, because right now he has a mix of clientele those who purchase on credit, and those who purchase in upfront cash. With mega stores coming in, the beneficiaries the upfront cash customers will disappear, and will seriously hamper the bania's ability to support the lower income group through the informal short term credit that he is able to offer today.The same bania also employs 2 3 low skilled workers directly, and many more indirectly (e.g. local transporter for ferrying stuff to the shop). All this add up to substantial amount of employment generation for low skilled section of the society. It would go away with the demise of the bania shops.So, I don't see FDI in retail as an open and shut case in favour of the multi-brand mega stores with benefits for all.