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.

Kerala (English: KERR-ə-lə; Malayalam: [ke:ɾɐɭɐm] (listen)) is a state on the Malabar Coast of India. It was formed on 1 November 1956, following the passage of the States Reorganisation Act, by combining Malayalam-speaking regions of the erstwhile regions of Cochin, Malabar, South Canara, and Travancore. Spread over 38,863 km2 (15,005 sq mi), Kerala is the 21st largest Indian state by area. It is bordered by Karnataka to the north and northeast, Tamil Nadu to the east and south, and the Lakshadweep Sea to the west. With 33 million inhabitants as per the 2011 census, Kerala is the 13th-largest Indian state by population. It is divided into 14 districts with the capital being Thiruvananthapuram. Malayalam is the most widely spoken language and is also the official language of the state.The Chera dynasty was the first prominent kingdom based in Kerala. The Ay kingdom in the deep south and the Ezhimala kingdom in the north formed the other kingdoms in the early years of the Common Era (CE). The region had been a prominent spice exporter since 3000 BCE. The region's prominence in trade was noted in the works of Pliny as well as the Periplus around 100 CE. In the 15th century, the spice trade attracted Portuguese traders to Kerala, and paved the way for European colonisation of India. At the time of Indian independence movement in the early 20th century, there were two major princely states in Kerala: Travancore and Cochin. They united to form the state of Thiru-Kochi in 1949. The Malabar region, in the northern part of Kerala, had been a part of the Madras province of British India, which later became a part of the Madras State post-independence. After the States Reorganisation Act, 1956, the modern-day state of Kerala was formed by merging the Malabar district of Madras State (excluding Gudalur taluk of Nilgiris district, Lakshadweep Islands, Topslip, the Attappadi Forest east of Anakatti), the taluk of Kasaragod (now Kasaragod District) in South Canara, and the erstwhile state of Thiru-Kochi (excluding four southern taluks of Kanyakumari district, and Shenkottai taluks).Kerala has the lowest positive population growth rate in India, 3.44%; the highest Human Development Index (HDI), 0.784 in 2018 (0.712 in 2015); the highest literacy rate, 96.2% in the 2018 literacy survey conducted by the National Statistical Office, India; the highest life expectancy, 77.3 years; and the highest sex ratio, 1,084 women per 1,000 men. Kerala is the second-least impoverished state in India according to the Annual Report of Reserve Bank of India published in 2013. Kerala is the second-most urbanised major state in the country with 47.7% urban population according to the 2011 Census of India. The state topped in the country to achieve the Sustainable Development Goals according to the annual report of NITI Aayog published in 2019. The state has the highest media exposure in India with newspapers publishing in nine languages, mainly Malayalam and sometimes English. Hinduism is practised by more than half of the population, followed by Islam and Christianity. The economy of Kerala is the 8th-largest in India with ₹8.55 trillion (US$110 billion) in gross state domestic product (GSDP) and a per capita net state domestic product of ₹222,000 (US$2,800). The tertiary sector contributes around 65% to state's GSVA, while the primary sector contributes only 8%. The state has witnessed significant emigration, especially to the Arab states of the Persian Gulf during the Gulf Boom of the 1970s and early 1980s, and its economy depends significantly on remittances from a large Malayali expatriate community. The production of pepper and natural rubber contributes significantly to the total national output. In the agricultural sector, coconut, tea, coffee, cashew and spices are important. The state is situated between Arabian Sea to the west and Western Ghats mountain ranges to the east. The state's coastline extends for 595 kilometres (370 mi), and around 1.1 million people in the state are dependent on the fishery industry which contributes 3% to the state's income. Kerala is one of the prominent tourist destinations of India, with coconut-lined sandy beaches, backwaters, hill stations, Ayurvedic tourism and tropical greenery as its major attractions.

Mukkam is a major municipality town in Kozhikode, state of Kerala, India. Mukkam is one of the major regional suburb of the Kozhikode district. Mukkam is located about 27 km east of Calicut city on the bank of river Iruvanjippuzha, one of the major tributaries of river Chaliyar .Mukkam is also well knows for its secularistic features. The urban region of Mukkam is spread across Mukkam Municipality and the North Karassery region of Karassery Grama Panchayath. The town begins from North Karassery junction region and runs till Agasthianmuzhi Junction region. Mukkom is a fast developing town in Kozhikode district in the state of Kerala. It is elevated to a status of Municipality with an extend of area of 31.28 km2 with in the Thaluk of Kozhikode. It is the gateway to the emigrant settlements of the eastern region, Thiruvambady, Koodaranhi, Thottumukkom, Kodenchery and the commercial capital of this eastern region. Agriculture and hill products form the major share of the trade. It is Situated about 27 km from the Calicut International Airport and 30 kms from the Calicut Railway station. There are more than 20 Higher Educational Institutions in the area of Engineering and Health and Allied Sciences and two Arts and Science Colleges. The prestigious national level institute like National Institute of Technology, Calicut (NIT-C), Indian Institute of Management Kozhikode (IIM-K). NIELT Kozhikode, Centre for Water Resource Development and Management Kozhikode (CWRDM), Institute of Mathematics are within the vicinity of this Municipality. Places of tourism such as Thusharagiri, Kakkadompoyil, Arippara Waterfalls, Vellarimala are within the hearsay area. It has a noted place in the freedom struggle. Freedom fighter Muhammed Abdurahiman breathed his last at Pottasseryof this Municipality. Jnanapeedam winner S.K Pottekkadu, wrote his famous novel ‘Nadan Premam’ Mukkom as its background. Mukkam Municipality is lying within the 11.3184o N and 75.9586oE about 1& of the total area is highland, 57& slightly slope, 23% moderately slope, 4% river shore and 15% plain land. Demographic Details POPULATION AND DENSITY PATTERN Mukkam municipality has a population of 40670 (2011 census) with the growth rate of 9.41 % during 2001-2011. The density of population is 1300.17/Km2. The male population is 19654 and female population is 21016. Housing Profile Housing Issues Housing in Mukkam has become an issue as the population and number of families have increased. In the past housing was not a major issue as joint family system with prevalent culture. However the elder members of the family are compelled to opt for separate houses as the limited infrastructure is a hindrance to all family members. This is the most important reason behind the increased housing problem in Mukkam. Again the population growth as well as the non-availability of suitable land is another issue. Both these factors combined have a major impact on the housing picture of the Municipality.