NIJRUP S. VISANI, DR. PRITESH PANCHAL, “A STUDY OF NON-PERFORMING ASSETS OF CO-OPERATIVE BANKS IN INDIA WITH SPECIAL REFERENCE TO THE FINANCIAL YEAR 2022–23”, Int. J. Data. Sci. IoT. Manag. Syst., vol. 2, no. 4(S), pp. 23–30, Oct. 2023, doi: 10.64751/.