Sharma, Shikha, and Sanjeev K. Sharma. “Development of ITC E- Choupal Based Rural Financial Inclusion Model”. Indian Journal of Finance 11, no. 10 (October 1, 2017): 20–32. Accessed August 6, 2025. https://www.indianjournalofcapitalmarkets.com/index.php/IJF/article/view/118773.