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. Sejal Chavda, Dr. Vilas Kulkarni has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 8, Issue- 4, April 2026, pp. 54-65." Paper Title:- " BEHAVIOURAL DETERMINANTS OF RETIREMENT PLANNING: A CROSS-COUNTRY ANALYSIS OF PENSION LAWS AND OUTCOMES " Chief Editor