1. Ghosh D.N. “Banking Policy in India” 1968, pp. 49.
2. Chippa, M.L., “Commercial Banking Development in India” 1969.
3. Abstract of the Report of Gadgil Study Group of the National Credit Council October, 1969.
4. Levitt, Theodore, “Marketing success through differentiation of anything” Harvard Business Review, Jan-Feb 1980 pp. 83-91.
5. Levitt, Theodore, “Marketing for Business Growth” MC Graw Hill, New Yark, 1974.
6. Abstracts of the Report of the Estimates Committee of Lok Sabha 1975, headed by Mr. R.K. Sinha.
7. Kotler, Philip, “Managing Service Business and Ancillary Services” Marketing Management Analysis, Planning, Implementation and Control”, (IX ed.) New Delhi- Prentice Hill 1977, pp. 474-483.
8. Parasuraman A, “Augmented Marketing”, Business Today, Jan 7-21, 1997, pp. 25-26.
9. Chidambaram, R.M.Aimaelee, K., “HRD in Banks” State Bank of India, Monthly Review, Vol.XXXVI (No.II) November 1997, pp.576-581.
10. Contemporary Aul, G.D. “Customer Relationship Management” Punjab National Bank, Monthly Review, Vol. 23 (No. 3) March 2006, pp. 5-16.
11. Contemporary Banking and Finance, Journal of Corporate Training and Development Institute Vol. I (No.9) March 2001, pp. 1-12