Indian Overseas Bank (IOB) is a central public sector undertaking. It is under the ownership of the Ministry of Finance, Government of India. It is based in Tamil Nadu, India, with about 3,214 domestic branches, about 4 foreign branches and representative office. Founded in February 1937 by M. Ct. M. Chidambaram Chettyar with twin objectives of specialising in foreign exchange business and overseas banking, it has created various milestones in Indian Banking Sector. During the nationalisation, IOB was one of the 14 major banks taken over by the government of India. On 5 December 2021, IOB got Degidhan Award 2020–21 by Ministry of Electronics & Information Technology for achieving second highest percentage of digital payment transaction among public sector banks. As on 31 March 2022, IOB's total business stands at ₹417,960 crore (US$52 billion).

Bihar (; Hindi pronunciation: [bɪˈɦaːr] (listen)) is a state in eastern India. It is the third-largest state by population and twelfth-largest by territory, with an area of 94,163 km2 (36,357 sq mi). Bihar borders Uttar Pradesh to its west, Nepal to the north, the northern part of West Bengal to the east, and with Jharkhand to the south. The Bihar plain is split by the river Ganges, which flows from west to east. Bihar is also the world's fourth-most populous subnational entity.On 15 November 2000, southern Bihar was ceded to form the new state of Jharkhand. Only 11.3% of the population of Bihar lives in urban areas, which is the lowest in India after Himachal Pradesh. Additionally, almost 58% of Biharis are below the age of 25, giving Bihar the highest proportion of young people of any Indian state. The official languages are Hindi and Urdu, although other languages are common, including Maithili, Magahi, Bhojpuri and other Languages of Bihar. In Ancient and Classical India, the area that is now Bihar was considered the centre of political and cultural power and as a haven of learning From Magadha arose India's first empire, the Maurya empire, as well as one of the world's most widely adhered-to religions: Buddhism. Magadha empires, notably under the Maurya and Gupta dynasties, unified large parts of South Asia under a central rule. Another region of Bihar is Mithila which was an early centre of learning and the centre of the Videha kingdom.However, since the late 1970s, Bihar has lagged far behind other Indian states in terms of social and economic development. It's gained a highly negative reputation among the denizens of India to a degree where being called 'Bihari' is an insult. Many economists and social scientists claim that this is a direct result of the policies of the central government, such as the freight equalisation policy, its apathy towards Bihar, lack of Bihari sub-nationalism, and the Permanent Settlement of 1793 by the British East India Company. The state government has, however, made significant strides in developing the state. Improved governance has led to an economic revival in the state through increased investment in infrastructure, better healthcare facilities, greater emphasis on education, and a reduction in crime and corruption.

Bhagalpur is a city in the Indian state of Bihar, situated on the southern banks of the river Ganges. It is the 2nd largest city of Bihar by population and also the headquarters of Bhagalpur district and Bhagalpur division. Known as the Silk City, it is a major educational, commercial, and political center, and listed for development under the Smart City program, a joint venture between Government and industry. The Gangetic plains surrounding the city are very fertile and the main crops include rice, wheat, maize, barley, and oilseeds. The river is home to the Gangetic dolphin, the National Aquatic Animal of India, and the Vikramshila Gangetic Dolphin Sanctuary is established near the town. The city holds the largest Manasa Puja and one of the largest processions in Kali Puja, an intangible cultural heritage of the region.