APA (7 वां संस्करण) प्रशस्ति पत्र

KARANDIKAR, S. (2019). "Role of Microfinance Institutions in Financial Inclusion in India: Unfolding the Potential, Progress and its Future". NMIMS.

शिकागो शैली (17वां संस्करण) प्रशस्ति पत्र

KARANDIKAR, SAHISHNOO. "Role of Microfinance Institutions in Financial Inclusion in India: Unfolding the Potential, Progress and Its Future". MUMBAI: NMIMS, 2019.

एमएलए (9वां संस्करण) प्रशस्ति पत्र

KARANDIKAR, SAHISHNOO. "Role of Microfinance Institutions in Financial Inclusion in India: Unfolding the Potential, Progress and Its Future". NMIMS, 2019.