@book{37932,
	author = {Bhavani, T. A. and Bhanumurthy, N. R.},
	title = {Financial access in post-reform India},
	publisher = {Oxford University Press,},
	year = {2012.},
	address = {New Delhi ;},
	url = {http://dx.doi.org/10.1093/acprof:oso/9780198076650.001.0001}
}