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. I. Nishanthini, Dr. A. Geetha has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 8, Issue- 2, February 2026, pp. 155-158." Paper Title:- " A CONCEPTUAL FRAMEWORK ON DIGITAL RUPEE (CBDC) - FUTURE OF INDIAN CURRENCY " Chief Editor