K Mangar, Gaurav, Sakshi Sardana, and Monika Hanspal. “Assessing the Outcome of Demographic Variables on the Saving Determinants and Saving Behaviour of the Individuals of Ludhiana”. Management Journal for Advanced Research 3, no. 1 (February 28, 2023): 43–53. Accessed December 22, 2024. https://mjar.singhpublication.com/index.php/ojs/article/view/52.