Mayank Verma. “Assessing the Role of Risk Tolerance and Investor Psychology in Mutual Fund Investment Decisions: An Empirical Study of Retail Investors in Uttarakhand”. Enterprise Development and Microfinance, vol. 36, no. 3s, July 2026, pp. 817-31, http://papjournals.com/index.php/edm/article/view/987.