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. Dr.J.Gayathri, S.Felix Sophia has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 1, Issue- 1, February 2016, pp. 23-45." Paper Title:- " A STUDY ON NON-PERFORMING ASSETS OF PUBLIC AND PRIVATE SECTOR BANKS IN INDIA " Chief Editor