Mamindla Varsha¹, Thirunagari Bhavya Sree², Sunkarwar Vinay³, Biyyala Mahesh⁴, Lakavath Naresh⁵, Ms. R. Swapna6. A STUDY ON CREDIT APPRAISAL PROCESS AT HDFC BANK. IJESSML. 2026;7(2):92-96. doi:10.64751/a9sp6213