Punjab National Bank (abbreviated as PNB) is a central public sector undertaking under the ownership of Ministry of Finance, Government of India. It is headquartered in Delhi, India, it is under the ownership of the Ministry of Finance, government of India. The bank was founded in May 1894 and is the second largest government-owned bank in India, both in terms of its business volumes and its network. The bank has over 180 million customers, 12,248 branches, and 13,000+ ATMs.PNB has a banking subsidiary in the UK (PNB International Bank, with seven branches in the UK), as well as branches in Hong Kong, Kowloon, Dubai, and Kabul. It has representative offices in Almaty (Kazakhstan), Dubai (United Arab Emirates), Shanghai (China), Oslo (Norway), and Sydney (Australia). In Bhutan, it owns 51% of Druk PNB Bank, which has five branches. In Nepal, PNB owns 20% of Everest Bank, which has 50 branches. PNB also owns 41.64% of JSC (SB) PNB Bank in Kazakhstan, which has four branches.

Himachal Pradesh (; Hindi: [ɦɪˈmɑːtʃəl pɾəˈdeːʃ] (listen); lit. "Province of the Snow-laden Mountains") is a state in the northern part of India. Situated in the Western Himalayas, it is one of the thirteen mountain states and is characterized by an extreme landscape featuring several peaks and extensive river systems. Himachal Pradesh is the northernmost state of India and shares borders with the union territories of Jammu and Kashmir and Ladakh to the north, and the states of Punjab to the west, Haryana to the southwest, Uttarakhand to the southeast and a very narrow border with Uttar Pradesh to the south. The state also shares an international border to the east with the Tibet Autonomous Region in China. Himachal Pradesh is also known as Dev Bhoomi, meaning 'Land of Gods' and Veer Bhoomi which means 'Land of the Brave'.The predominantly mountainous region comprising the present-day Himachal Pradesh has been inhabited since pre-historic times having witnessed multiple waves of human migrations from other areas. Through its history, the region was mostly ruled by local kingdoms some of which accepted the suzerainty of larger empires. Prior to India's independence from the British, Himachal comprised the hilly regions of Punjab Province of British India. After independence, many of the hilly territories were organized as the Chief Commissioner's province of Himachal Pradesh which later became a union territory. In 1966, hilly areas of neighboring Punjab state were merged into Himachal and it was ultimately granted full statehood in 1971. Himachal Pradesh is spread across valleys with many perennial rivers flowing through them. Around 90% of the state's population lives in rural areas. Agriculture, horticulture, hydropower and tourism are important constituents of the state's economy. The hilly state is almost universally electrified with 99.5% of the households having electricity as of 2016. The state was declared India's second open-defecation-free state in 2016. According to a survey of CMS – India Corruption Study 2017, Himachal Pradesh is India's least corrupt state.

Kullu is a municipal council town that serves as the administrative headquarters of the Kullu district of the Indian state of Himachal Pradesh. It is located on the banks of the Beas River in the Kullu Valley about 10 kilometres (6.2 mi) north of the airport at Bhuntar. Kullu Valley is a broad open valley formed by the Beas River between Manali and Larji. This valley is known for its temples and its hills covered with pine and deodar forest and sprawling apple orchards. The course of the Beas river, originating from Beas Kund presents a succession of magnificent, clad with forests of deodar, towering above trees of pine on the lower rocky ridges brings the most out of this magnificent town. Kullu Valley is sandwiched between the Pir Panjal, Lower Himalayan and Great Himalayan Ranges, located in Northern India, 497 k.m. away from the capital of India.