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. Smitha L has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 8, Issue- 7, July 2026, pp. 97-103." Paper Title:- " CREDIT RISK ASSESSMENT AND NPA MANAGEMENT IN URBAN CO-OPERATIVE BANKS AT BANGALORE " Chief Editor