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. Archana J, Dr. R Prakash Babu, Dr. P. Dhanalakshmi has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 8, Issue- 1, January 2026, pp. 96-103." Paper Title:- " OPERATIONAL EFFICIENCY OF MICROFINANCE INSTITUTIONS AND FINANCIAL INCLUSION: A DISTRICT-LEVEL ANALYSIS IN BENGALURU " Chief Editor