Dr. GK Sharma (2024) “Interest Rate Fluctuation, Savings Mobilization, and Capital Formation”, International Journal of Multidisciplinary Innovation and Research Methodology, ISSN: 2960-2068, 3(3), pp. 164–180. Available at: https://ijmirm.com/index.php/ijmirm/article/view/124 (Accessed: 21 June 2025).