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. Prin.Dr. C.N. Rawal, Pradnya Metkar has published research paper in " International Journal of Business and Administration Research Review (IJBARR) peer reviewed and refereed journal, Volume- 3, Issue- 10, July 2015, pp. 26-31." Paper Title:- " APPLICATION OF FINANCIAL RATIOS FOR EFFECTIVE PERSONAL FINANCIAL PLANNING. " Chief Editor Managing Editor