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. Firos Khan M.C. Priya Sasidharan, Prof. (Dr.) Manoj P. K has published research paper in " International Journal of Multidisciplinary Research Review (IJMDRR) peer reviewed and refereed journal, Volume- 11, Issue- 8, August 2025, pp. 56-71." Paper Title:- " HOUSING CREDIT IN KERALA AND ECONOMIC GROWTH: A CRITICAL STUDY " Chief Editor Managing Editor