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. Prof.P.Maheswari has published research paper in " International Journal of Multidisciplinary Research Review (IJMDRR) peer reviewed and refereed journal, Volume- 1, Issue- 10, December 2015, pp. 173-175." Paper Title:- " ULTIMATE FOOL PROOF SYSTEM FOR RECOVERY OF LOANS THROUGH PAYMENTS BANKS-A MODIFIED VERSION. " Chief Editor Managing Editor