Begusarai is a town in the Indian state of Bihar. It functions as the administrative headquarters of the Begusarai district which lies on the northern bank of Ganges. It was established and made into a part of the Munger District 1870. The communists have had a strong hold on Begusarai and thus the town was once called the "Leningrad of Bihar." The city is divided into three floodplains called the Ganga Floodplain, the Burhi Gandak Floodplain and the Kareha-Bagmati Floodplain. Agriculture is the pillar of Begusarais economy. The principal cash crops of the area are oilseeds, aniseed, tobacco, jute, potato, red chilies and tomato. Fruits such as Litchi, Mango, Guava and Banana are also cultivated in the area. Recently basil leaves and pearl farming has attracted local farmers. The Barauni refinery contributes considerably to the state exchequer yearly. The city has around 2.5 lakh residents who are mostly employed in the agricultural sector.
The Dhanlaxmi Bank was founded in 1927. In 1975, the first branch of the bank was opened outside Kerela. The bank was designated as a scheduled commercial bank by the RBI in 1977. In 1980, the bank had a secure network of 100 branches. In the year 2000, the Dhanlaxmi bank installed its first ATM. In the year 2002, the bank has celebrated its platinum jubilee year. In the year 2009, it 45 new branches and 102 new ATMs.In 2011, the bank launched the IMPS or Immediate Payment System to enable its customers for quick fund transfer. The bank has initiated missed call services via phone banking to help its customers in the year 2014. The Dhanlaxmi bank introduced three new bank saving products namely Dhanam Vanitha, Dhanam Yuvak and Dhanam Genius Account in the same year. The Bank has achieved High Rating from BCSBI in the BCSBI Compliance rating in 2015 along with which it has also launched Dhan Smart app for the convenience of its customers. In the retail banking system, the IMPS was introduced by the bank in 2016, followed which the bank launched Bharat Bill Payment System in 2017. As a financial inclusion initiative, the bank issued Kisan Credit Cards to 186 farmers as of 31st March,2018.