Mamindla Varsha1 , Thirunagari Bhavya Sree2 , Sunkarwar Vinay3 , Biyyala Mahesh4 , Lakavath Naresh5 , Ms. R. Swapna6, “A STUDY ON CREDIT APPRAISAL PROCESS AT HDFC BANK”, IJESSML, vol. 7, no. 2, pp. 103–107, Apr. 2026, doi: 10.64751/gbj8p567.