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. Firos Khan M C, Prof. (Dr.) K C Sankaranarayanan, Dr. Manoj P K has published research paper in " International Journal of Multidisciplinary Research Review (IJMDRR) peer reviewed and refereed journal, Volume- 1, Issue- 23, January 2017, pp. 66-79." Paper Title:- " RETAIL BANKING THRUST WITH A FOCUS ON HOUSING FINANCE: STRATEGY FOR FASTER INCLUSIVE AND SUSTAINABLE ECONOMIC GROWTH IN DIGITAL INDIA. " Chief Editor Managing Editor