D. Bag and M. D. Hosamane,"Management of Retail Assets in Banking : Credit Migrations and Default Correlations", PRAJNAN, vol.xxxviii, no.3, pp.1-11, NIBM Publications 2010, nibmindia.org/publications       Article

D. Bag and A. Mohanty,"Retail assets management in indian banking: credit marketing model using data mining approach", Vilakshan: ximb journal of management, vol.6, no.2, pp.113-121, Xavier University, Bhubaneswar 2009, https://xim.edu.in/faculty-research-publications/vilakshan/       Article

H. M. D and D. Bag,"Bank regulation and credit quality in indian banking: a quantitative evaluation", International Journal of Economic Issues, vol.1, no.2, pp.1-8, Serials publications 2009, https://serialsjournals.com/index.php?route=product/product&product_id=390       Article

D. Bag and M. H. D,"Management Of Retail Assets In Banking: Comparison Of Internal Model Over Basel", International Journal Of Rural Development And Management Studies, vol.2, no.2, pp.159-164, serials publications 2008, https://www.serialsjournals.com/       Article

D. Bag,"pesticides and health risks", economic and political weekly, vol.35, no.38, pp.3381-3386, sameekha trust 2000       Article