Certificate of Publication
	RNI : MAHUL/2011/38887 ISSN No. 2231-5063 GOLDEN RESEARCH THOUGHTS International Recognition Research Journal This is to certify that our Editorial, Advisory, and Review Board Accepted Research Paper of Dr. /Shri. /Smt.: B. Vijaya , Karibasaveshwara. B Topic:-FINANCIAL INCLUSION IN INDIA: CHALLENGES AND INITIATIVES [ Professor , Department of Commerce , Gulbarga University, Kalaburagi. ; Research Scholar ,Department of Commerce , Gulbarga University, Kalaburagi. ] The Research paper is Original & Inovative it is Done Double Blind Peer Reviewed. Authorised Signature   Dr.Ashok Yakkaldevi   Publisher
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