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. Priya Sasidharan, Sruthy Krishna, Prof. (Dr.) Manoj P. K. has published research paper in " International Journal of Multidisciplinary Research Review (IJMDRR) peer reviewed and refereed journal, Volume- 10, Issue- 9, September 2024, pp. 104-120." Paper Title:- " KISAN CREDIT CARDS AND INCLUSIVE GROWTH IN DIGITAL KERALA: A STUDY " Chief Editor Managing Editor