Online ISSN: 2455-7188 IMPACT FACTOR: 0.7261 Thomson Reuters Researcher ID: J-5005-2016 CERTIFICATE OF PUBLICATION This is to Certify that Mr./Mrs./Ms./Dr. Dr.P.Vadivel, C.Kavitha has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 3, Issue- 1, February 2018, pp. 88-92." Paper Title:- " CUSTOMERS' PERCEPTION TOWARDS FINANCIAL SERVICES IN INDIA POST OFFICES " Chief Editor