Kshama S. Kadam and Dr. U. M. Deshmukh (2011) “An Evaluation of CRN Practices in Public, Private and Co-Operative Banking Sectors”, Indian Journal of Commerce and Management Studies, 2(5), pp. 109–122. Available at: https://www.ijcms.in/index.php/ijcms/article/view/399 (Accessed: 19 July 2025).