Pathania, Kulwant Singh, and Neha Dewan. “Challenges Confronted by Banks in Implementing Financial Inclusion Schemes in Himachal Pradesh”. RESEARCH REVIEW International Journal of Multidisciplinary 7, no. 2 (February 20, 2022): 17–25. Accessed April 2, 2026. https://old1.rrjournals.com/index.php/rrijm/article/view/93.