1. Financial inclusion - An assessment of New Modalities and Alternative Models.
2. Dalit Rights are Human Rights - A charter of Dalit Human Rights
3. Gakhar, Deepali (2003), Dalits in Education, Seminar Paper, Irwin College, New Delhi.
4. Beall Piron (2005), DFID Social Exclusion Review, London school of Economics and Political Science, London.
5. Inclusive Growth : Role of Financial Education - Shyamala Gopinath - Deputy Governor, RBI.
6. Census 2001, Government of India.
7. The Role of Financial Education: The Indian Case: Dr.Y.V. Reddy, Governor, RBI.
8. National Commission for SC/ST, Government of India(2001), New Delhi.
9. Sukhadeo Thorat(2002), Oppression and Denial : Dalit Discrimation in 1990s, EPW, February.
10. http:/www.worldbank.org