Sathiyan, Sanjana, and Prasant Kumar Panda. “Financial Inclusion in India:An Analysis of Pattern and Determinants”. Indian Journal of Finance 10, no. 4 (April 1, 2016): 41–53. Accessed January 9, 2026. https://www.indianjournaloffinance.co.in/index.php/IJF/article/view/90799.