Narayanaswamy, T., and A. P. Muthulakshmi. “Productivity and Cost Efficiency of Commercial Banks in India”. Indian Journal of Finance 10, no. 1 (January 1, 2016): 8–27. Accessed July 20, 2025. https://indianjournalofcomputerscience.com/index.php/IJF/article/view/85839.