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. Ms. Vanaja N, Mr. Angel Chakraborty, Dr. Mohammed Arif Pasha has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 4, Issue- 12, August 2020, pp. 145-152." Paper Title:- " AN EMPIRICAL STUDY OF CREDIT FACILITY AND ITS RECOVERY TECHNIQUES AT PRIMARY CO-OPERATIVE AGRICULTURE AND RURAL DEVELOPMENT BANK LTD, DEVANAHALLI " Chief Editor