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.

Gujarat (, Gujarati: [ˈɡudʒəɾɑt] (listen)) is a state along the western coast of India. Its coastline of about 1,600 km (990 mi) is the longest in the country, most of which lies on the Kathiawar peninsula. Gujarat is the fifth-largest Indian state by area, covering some 196,024 km2 (75,685 sq mi); and the ninth-most populous state, with a population of 60.4 million. It is bordered by Rajasthan to the northeast, Dadra and Nagar Haveli and Daman and Diu to the south, Maharashtra to the southeast, Madhya Pradesh to the east, and the Arabian Sea and the Pakistani province of Sindh to the west. Gujarat's capital city is Gandhinagar, while its largest city is Ahmedabad. The Gujaratis are indigenous to the state and their language, Gujarati, is the state's official language. The state encompasses 23 sites of the ancient Indus Valley civilisation (more than any other state). The most important sites are Lothal (the world's first dry dock), Dholavira (the fifth largest site), and Gola Dhoro (where 5 uncommon seals were found). Lothal is believed to have been one of the world's first seaports. Gujarat's coastal cities, chiefly Bharuch and Khambhat, served as ports and trading centres in the Maurya and Gupta empires, and during the succession of royal Saka dynasties in the Western Satraps era. Along with Bihar, Mizoram and Nagaland, Gujarat is one of four Indian states to prohibit the sale of alcohol. The Gir Forest National Park in Gujarat is home to the only wild population of the Asiatic lion in the world.The economy of Gujarat is the fourth-largest in India, with a gross state domestic product (GSDP) of ₹19.44 trillion (US$240 billion) and has the country's 10th-highest GSDP per capita of ₹243,761 (US$3,100). Gujarat ranks 21st among Indian states and union territories in human development index. The state traditionally has low unemployment and is widely considered one of the most industrially developed states of India and a manufacturing hub.

Surat is a city in the western Indian state of Gujarat. Located on the banks of the river Tapti near its confluence with the Arabian Sea, it used to be a large seaport. It is now the commercial and economic center in South Gujarat, and one of the largest urban areas of western India. It has well-established diamond and textile industry, and is a major supply centre for apparels and accessories. About 90% of the world's diamonds supply are cut and polished in the city. It is the second largest city in Gujarat after Ahmedabad and the eighth largest city by population and ninth largest urban agglomeration in India. It is the administrative capital of the Surat district. The city is located 284 kilometres (176 mi) south of the state capital, Gandhinagar; 265 kilometres (165 mi) south of Ahmedabad; and 289 kilometres (180 mi) north of Mumbai. The city centre is located on the Tapti River, close to Arabian Sea.Surat will be the world's fastest growing city from 2019 to 2035, according to a study conducted by Economic Times. The city registered an annualised GDP growth rate of 11.5% over the seven fiscal years between 2001 and 2008. Surat was awarded "best city" by the Annual Survey of India's City-Systems (ASICS) in 2013. Surat is selected as the first smart IT city in India which is being constituted by the Microsoft CityNext Initiative tied up with IT services majors Tata Consultancy Services and Wipro. The city has 2.97 million internet users, about 65% of total population. Surat was selected in 2015 for an IBM Smarter Cities Challenge grant. Surat has been selected as one of twenty Indian cities to be developed as a smart city under PM Narendra Modi's flagship Smart Cities Mission.Surat is listed as the second cleanest city of India as of 21 August 2020 according to the Swachh Survekshan 2020 on 20 August. It suffered a major pipeline fire which caused some damage.Surat, famous for its diamond cutting and polishing, is known as the Diamond City of India. The city has various engineering plants like Essar, Larsen and Toubro and RIL. Surat won the Netexplo Smart Cities Award 2019 with UNESCO in the resilience category. Surat's mayor will receive the award at the UNESCO House in Paris, France in March next year.