Online ISSN: 2455-7188 IMPACT FACTOR: 0.7261 Thomson Reuters Researcher ID: J-5005-2016 CERTIFICATE OF PUBLICATION This is to Certify that Mr./Mrs./Ms./Dr. Dr.Lekshmy.P.L has published research paper in " INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH IN MANAGEMENT STUDIES (IJIRMS) peer reviewed and refereed journal, Volume- 7, Issue- 8, October 2025, pp. 40-43." Paper Title:- " BEHAVIORAL FINANCE RESPONSES TO ECONOMIC CRISES IN INDIA: LESSONS FROM HISTORY " Chief Editor