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. Prasad P Kulkarni, Dr. J. Poornima has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 5, Issue- 5, May 2021, pp. 1-5." Paper Title:- " A STUDY ON CREDIT EVALUATION OF LOANS AND ADVANCES AT SBI BANK, BANGALORE " Chief Editor