surat is a rapidly developing city in the Indian state of Gujarat. Surat was a large seaport earlier; it is now a flourishing center for diamond cutting and polishing. The city center of Surat is located on the banks of the Tapti River and is quite close to the Arabian Sea. Apart from its diamond industry, Surat has also achieved huge success in the textile industry and is gradually proceeding into the IT sector. Microsoft and IBM have taken up the task of developing Surat into a smart city with special attention towards Citizen Services, Waste Management and Disaster Management. Surat is known for its wonderful infrastructure - it is often called the city of flyovers. Surat is also known for its sense of hygiene - despite its industrial backdrop, Surat proudly claims to be one of the tidiest and cleanest cities in the country. Surat is a culturally diversified city. Apart from being called the "Diamond City" and the "Silk City", Surat is often referred to as mini India, owing to a large number of immigrants from all over India. Surat is probably the only city in Gujarat that celebrates non-Gujarati festivals. Surats landscape comprises a bustling city with all the modern amenities and industries on one hand and gorgeous beaches on the other. This avid juxtaposition makes the city all the more picturesque., surat is a fast growing city in the state of Gujarat. Surat used to be a seaport earlier. It is now flourishing in diamond cutting and polishing. Thriving on the banks of River Tapti, Surat is near the Arabian Sea. Besides its flourishing diamond business, the city has also achieved immense success in the textile industry. It is now setting its initial footsteps in the IT sector. IBM and Microsoft are developing Surat into a smart city by improving its Services for Citizens, Waste Management and Disaster Management. Surat is often referred to as the "Silk City", "Diamond City" and it is of late being viewed as a mini India, since a large number of immigrants are moving to Surat from all over India thus making it a culturally diversified city. No other city in Gujarat indulges so much in the cultures of other states as Surat does by celebrating many non-Gujarati festivals. The vibrant essence of the city comprises of a bustling city crowd with all the available modern amenities. While there is an industrial belt on one hand, there are gorgeous beaches on the other. This avid combination makes the city all the more picturesque and appealing.
IOB based in Chennai, is a public sector bank with almost 3400 domestic branches, including 1150 branches in Tamil Nadu, and eight offices in overseas as of 31 October 2017. An ISO certified in-house Information Technology department, which had developed the software used by IOB to provide online banking to customers earlier. The IOB had a network of around 3300 ATMs across India, as of 2016. The branches of IOB are in Singapore, Bangkok, Colombo, Seoul. The representative offices of IOB are in Guangzhou, Dubai, and Vietnam. In 1937, the Indian Overseas Bank (IOB) was established by Thiru.M. Ct. M. Chidambaram Chettyar for encouraging foreign exchange operations and overseas banking. IOB opened a representative office each in Guangzhou, China, and Kualalampur. IOB opened other Representative offices in Dubai and the United Arab Emirates in the year 2009. In 2015, IOB launched m Passbook applications and new mobile banking services. The Apollo Munich Health Insurance has tied up with IOB to serve specialized health and personal accident products to its customers.