“EVALUATING THE EFFECTIVENESS OF MICROCREDIT PRACTICES BY SMALL FINANCE BANKS: A PERFORMANCE‑BASED STUDY OF MICRO AND SMALL ENTERPRISES IN AUTOMOBILE ANCILLARY UNITS ”. Phoenix: International Multidisciplinary Research Journal ( Peer Reviewed High Impact Journal ), vol. 3, no. 2, May 2025, pp. 69-82, https://pimrj.org/index.php/pimrj/article/view/20.