INTERNATIONAL JOURNAL OF MULTIDISCIPLINARY RESEARCH REVIEW (IJMDRR) (www.ijmdrr.com) Bangalore-560083, INDIA. Print ISSN: 2395-1877 Online ISSN: 2395-1885 Impact Factor: 7.352 CERTIFICATE OF PUBLICATION This is to Certify that Mr./Mrs./Ms./Dr. Dr. Lakhmi, Dr. Manoj P. K has published research paper in " International Journal of Multidisciplinary Research Review (IJMDRR) peer reviewed and refereed journal, Volume- 5, Issue- 10, October 2019, pp. 25-33." Paper Title:- " KERALA GRAMIN BANK: A STUDY WITH A FOCUS ON HOUSING FINANCE. " Chief Editor Managing Editor