Search & replace content using awk/gsub

Hi,
I have two files master.txt & reference.txt. Sample below

Master.txt

2372,MTS,AP
919848001104,Airtel,DL
0819,MTS,MUM
919849788001,Airtel,AP
1430,Aircel MP,20

Reference.txt

2372,919848701430,46467
919848002372,2372,47195
2372,919849788001,59027
0819,028803,1
0819,029801,1
0819,2372,1

Output which is coming is as follows:

MTS AP,91984870Aircel MP,46467
91984800MTS AP,MTS AP,47195
MTS AP,Airtel,AP59027
MTS MUM,028803,1
MTS MUM,029803,1
MTS MUM,MTS AP,1

Requirement:
Only the exact match of each separator field should be replaced in reference text,i.e, output should look like as follows

MTS AP,919848701430,46467
919848002372,MTS AP,47195
MTS AP,Airtel,AP59027
MTS MUM,028803,1
MTS MUM,029803,1
MTS MUM,MTS AP,1

Code is
awk -F, '
NR==FNR {rep[$1]=$2" "$3; next}
{ for (r in rep) gsub(r,rep[r],$0); print $0}' Master.txt Reference.txt

Please help in getting the code changed as per the required output for the exact match length

Can you post your input in your previous thread?
http://www.unix.com/shell-programming-scripting/218109-search-replace-content-files-using-gsub-awk.html

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