Joshi, Himanshu. “Cash Holding or Net Debt : What Matters for Firms’ Financial Policies ? Evidence from India”. Indian Journal of Finance 15, no. 2 (February 28, 2021): 8–21. Accessed December 4, 2025. https://www.indianjournalofentrepreneurship.com/index.php/IJF/article/view/157637.