GAUTAM, Vandana. Appraisal of Retail Lending in DCCBs Based on Loans, NPAs, and Diversification. Indian Journal of Finance, [S. l.], v. 11, n. 2, p. 35–51, 2017. DOI: 10.17010/ijf/2017/v11i2/110233. Disponível em: https://indianjournaloffinance.co.in/index.php/IJF/article/view/110233. Acesso em: 18 jan. 2026.