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.K.Ramesh Kumar, A.P.Valarmathi has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 4, Issue- 3, April 2019, pp. 1-5." Paper Title:- " A STUDY OF NON-PERFORMING ASSET IN KARUR VYSYA BANK LTD., KARUR " Chief Editor