PHATAK S R. (1993). GUIDE TO PRACTICAL CREDIT APPRAISAL & PRESENTATION FOR BRANCH BANKERS. HALLMARK PUBLICATIONS.
शिकागो शैली (17वां संस्करण) प्रशस्ति पत्रPHATAK S R. GUIDE TO PRACTICAL CREDIT APPRAISAL & PRESENTATION FOR BRANCH BANKERS. MUMBAI: HALLMARK PUBLICATIONS, 1993.
एमएलए (9वां संस्करण) प्रशस्ति पत्रPHATAK S R. GUIDE TO PRACTICAL CREDIT APPRAISAL & PRESENTATION FOR BRANCH BANKERS. HALLMARK PUBLICATIONS, 1993.
चेतावनी: ये उद्धरण हमेशा 100% सटीक नहीं हो सकते हैं.