Tokas, Ms. Nikita, and Dr. Devkanya Gupta. “Financial Inclusion and Urban Marginality: A Review of Barriers Faced by Those Below The Poverty ‎Line Households in Delhi’s Slums”. International Journal of Accounting and Economics Studies 12, no. 6 (October 20, 2025): 785–790. Accessed December 18, 2025. https://www.sciencepubco.com/index.php/IJAES/article/view/35373.