APA način citiranja

Kulkarni, S. R. (1996). Urban co-operative banks: An appraisal. Anmol.

Čikaški stil citiranja

Kulkarni, Shirish R. Urban Co-operative Banks: An Appraisal. New Delhi: Anmol, 1996.

MLA način citiranja

Kulkarni, Shirish R. Urban Co-operative Banks: An Appraisal. Anmol, 1996.