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. Aleena David, Aleena Alice Johnson, Felice Joy has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 8, Issue- 3, March 2026, pp. 1-4." Paper Title:- " BEHAVIORAL DETERMINANTS OF PERSONAL FINANCIAL PLANNING: AN EMPIRICAL STUDY " Chief Editor