@book{1212,
	author = {PANDEY I M},
	title = {Essentials of financial management },
	publisher = {Vikas Publishing House PVT LTD},
	year = {c1995.},
	address = {New Delhi},
	note = {"Using financial and business calculators / Mridu Vashist" (36 p.) inserted for use as appendix.}
}