Arif Jamal, and Dr. Aftab Alam. “STATUS OF FINANCIAL INCLUSION IN INDIA: A CONCEPTUAL STUDY WITH SPECIAL REFERENCE TO UTTAR PRADESH”. International Journal of Management Studies (IJMS) 4, no. Spl Issue 1 (September 30, 2017): 151–161. Accessed January 22, 2026. https://researchersworld.com/index.php/ijms/article/view/1405.