Thammisetty Srilakshmi, Sai Mohan Puvvada, Prof. Jaladi Ravi, “IMPACT OF BANKING POLICIES AND PRACTICES ON HOUSING FINANCE: EVIDENCE FROM BENEFICIARIES IN PRAKASAM DISTRICT, ANDHRA PRADESH”, jds, vol. 19, no. S4, pp. 1084–1095, Jun. 2026.