Preksha Mahadeokar, Dr. M. Madhuri Devi, and Dr. Syed Saleem Aquil. “Bridging the Financial Divide: PMJDY’s Path to Universal Banking Access”. European Economic Letters (EEL), vol. 14, no. 3, Oct. 2025, pp. 3152-8, doi:10.52783/eel.v14i3.3834.