Neutrino Mass and Mixing in the Universal Yukawa Coupling Framework

We present an analysis of neutrino oscillations which are consistent with current solar, atmospheric and terrestrial experiments in a framework with three neutrino mixing. The solutions satisfying these experiments have the large mixing (not maximal mixing) between electron neutrino- muon neutrino or muon neutrino-tau neutrino in m3 to be about several eV, where m3 is the heaviest neutrino mass. From these results, we conjecture a form for the mass matrices of charged lepton and neutrino which are described by the universal Yukawa coupling with small violations.