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. Mr.M.Mathi, Dr.D.Kumaresan has published research paper in " International Journal of Multidisciplinary Research Review (IJMDRR) peer reviewed and refereed journal, Volume- 11, Issue- 10, October 2025, pp. 45-50." Paper Title:- " DETERMINANTS OF PRODUCTIVITY OF PUBLIC SECTOR BANKS WITH SPECIAL REFERENCE TO BANK OF BARODA. " Chief Editor Managing Editor