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. Shruthi.C, Dr.Prakash.B.Nayak has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 6, Issue- 12, September 2024, pp. 16-23." Paper Title:- " EVALUATING THE OPERATIONAL EFFICIENCY OF INDIAN PUBLIC SECTOR BANKS: CHALLENGES AND STRATEGIC APPROACHES " Chief Editor