“Perception of Small Investors towards Mutual Funds as a Savings Tool: Identifying Barriers to Adoption in Bareilly Division (Uttar Pradesh)”, ijmrr, vol. 16, no. 2, pp. 210–219, May 2026, Accessed: May 15, 2026. [Online]. Available: https://ijmrr.com/index.php/ijmrr/article/view/666