PNB handwara branches strive to provide all necessary services that are available at the central location of the bank. For any bank or financial institution to survive, it is essential that it extends its reach to as much number of cities as possible. To deal with the increasing number of customers, having Punjab National Bank branches in handwara is an attempt to reach out to its customers located in handwara. Similar expansion in other cities has resulted into many bank branches spread across the country. It becomes difficult to maintain details of each branch. As a solution to this, all Punjab National Bank branches in handwara are listed in Bank Branch In. We need to approach a PNB handwara branch for carrying out various transactions like depositing or withdrawing, applying for a loan, verifying the codes for online transfers, enquiring about clearance of cheques, asking about new services , etc. But it is not practically feasible to visit the central office every time. This led to the concept of branch banking.