Bagaha is a small city located in the Pashchim Champaran district of Bihar. It is a city and a municipality and functions as a subdivision of the Pashchim Champaran district. Bagaha is situated around 64 kilometers north-west of Bettiah and around 294 kilometers away from the state capital Patna. The Gandak River flows through this city, gifting it with fertile soil suitable for cultivation. Bagaha also houses the Valmiki Tiger Reserve. Bagaha has more than 1 lakh residents who mostly speak in Hindi, Bhojpuri and Urdu. The economy of the region is chiefly agrarian and the resident farmers are engaged in the cultivation of paddy, sugarcane and cane reeds.
Punjab National Bank is the first bank which is Swadeshi and began with the authorized national capital. The business of PNB Bank was started on 12th April 1895. The PNB was the first bank which was entirely managed by the Indians along with the national capital. The bank has spread its network with 6900 branches across India out of which 62% branches are in rural and semi-urban areas. The bank is operating a transformational exercise named as "Mission Parivartan" a think tank division for business excellence to improve the efficiency, profitability, and productivity of the bank for long-term sustenance. In digital banking, the bank has gone under several developments such as the opening of "PNB DIGI-HUT" the first proof of concept model of the digital branch launched at the Dwarka head office. The bank has also introduced an Integrated Fee Portal for its customers to enable fee payments through internet banking gateway. RBI approved the bank to act as Bharat Bill Payment Operating Unit which was made live on September 2017. The bank took some initiatives for driving financial inclusion in fiscal 2018, such as biometrics based aadhar seeding and authentication of the existing customers. It also introduced Atal Pension Yojana registration facility at the Business Correspondent locations.