PHATAK S R. (1993). GUIDE TO PRACTICAL CREDIT APPRAISAL & PRESENTATION FOR BRANCH BANKERS. HALLMARK PUBLICATIONS.
Lua i Stíl Chicago (17ú heag.)PHATAK S R. GUIDE TO PRACTICAL CREDIT APPRAISAL & PRESENTATION FOR BRANCH BANKERS. MUMBAI: HALLMARK PUBLICATIONS, 1993.
Lua MLA (9ú heag.)PHATAK S R. GUIDE TO PRACTICAL CREDIT APPRAISAL & PRESENTATION FOR BRANCH BANKERS. HALLMARK PUBLICATIONS, 1993.
Rabhadh: Seans nach mbeach na luanna seo go hiomlán cruinn i ngach uile chás.