INTERNATIONAL JOURNAL OF BUSINESS AND ADMINISTRATION RESEARCH REVIEW (IJBARR) (www.ijbarr.com) Bangalore-560083, INDIA. Print ISSN: 2348-0653 Online ISSN: 2347-856X CERTIFICATE OF PUBLICATION This is to Certify that Mr./Mrs./Ms./Dr. Dr. Zia Ur Rehman has published research paper in " International Journal of Business and Administration Research Review (IJBARR) peer reviewed and refereed journal, Volume- 1, Issue- 7, December 2014, pp. ." Paper Title:- " A STUDY ON CHANGING DIMENSIONS OF INDIAN BANKING INDUSTRY: CHALLENGES AND OPPORTUNITIES. " Chief Editor Managing Editor