APA (7 वां संस्करण) प्रशस्ति पत्र

Sethi, J., & Bhatia, N. (2023). Elements of Banking & Insurance (3rd.). PHI Learning Private Limited.

शिकागो शैली (17वां संस्करण) प्रशस्ति पत्र

Sethi, Jyotsna, और Nishwan Bhatia. Elements of Banking & Insurance. 3rd. Delhi: PHI Learning Private Limited, 2023.

एमएलए (9वां संस्करण) प्रशस्ति पत्र

Sethi, Jyotsna, और Nishwan Bhatia. Elements of Banking & Insurance. 3rd. PHI Learning Private Limited, 2023.