APA (7 वां संस्करण) प्रशस्ति पत्र

Ray, R. M. (1982). Life insurance in India: Perspectives in social security. Indian Institute of Public Administration.

शिकागो शैली (17वां संस्करण) प्रशस्ति पत्र

Ray, R. M. Life Insurance in India: Perspectives in Social Security. New Delhi: Indian Institute of Public Administration, 1982.

एमएलए (8वां संस्करण) प्रशस्ति पत्र

Ray, R. M. Life Insurance in India: Perspectives in Social Security. Indian Institute of Public Administration, 1982.