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. M.Prasanna Kumar has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 1, Issue- 3, April 2016, pp. 299-311." Paper Title:- " A STUDY ON SERVICE QUALITY OF BANKING SERVICES OF LAKSHMI VILAS BANK AND ITS EFFECT ON VARIOUS LOAN PRODUCTS " Chief Editor