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. Mr. Mahamed Aleem, Mr. Sitaram Vikram Sujir 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. 432-436." Paper Title:- " A PROJECT REPORT ON THE CREDIT RISK MANAGEMENT AT TUMKUR GRAIN MERCHANT CO-OPERATIVE BANK LTD. TUMKUR " Chief Editor