Gulbarga, also known as by its official name Kalaburagi, is an urban agglomeration situated in the southern Indian state of Karnataka. Standing on the banks the Krishna and Bhima rivers, it is one of the most important cities in the state and also the administrative headquarters of Gulbarga District. The current administration of Gulbarga is carried out by representatives elected to service its 55 wards. The economy of Gulbarga is mainly dependent on agriculture. The place is known for the cultivation of Pigeon Peas and Toor Dal. Recently, upon the state governments initiatives, many industries have been set up in and around the city. Gulbarga has units to manufacture cement, textile, leather and chemicals. Gulbarga is the home to many educational institutions like the Karnataka State University, KBN institute of medical sciences and Gulbarga Institute of Medical Sciences. Gulbarga is well known as a tourist destination as well. There are many temples and forts in the area. Tourist spots such as the Bahmani fort, the Government Museum, the Holkonda fort, the Ferozabad Fort, the Sharanabasaveshwar Temple, Shri Sadguru Dattatreya Narasimha Saraswati, Shri Kshetra Ganagapur, Sri Hulakantheshwar Temple are frequented by tourists.
Ratnakar Bank was founded in August 1943. According to Business World-PWC Best Bank Survey, it was rated as the fastest growing small bank simultaneously in the year 2013, 2014 and 2015. In the year 2013, it bought a particular business of the Royal Bank of Scotland due to which 1.5 lakh of RBS customers moved to RBL Bank. In the year 2016, it acquired a 30% stake in Swadharv Finserve Pvt Ltd.RBL bank started the first credit card for Gold enthusiasts in association with Indian Gold Union. To support the government campaigns such as Make In India and Startup India, the RBL Bank came up with the Startup Club to fulfill the end to end banking needs of the emerging entrepreneurial community. It has also started the financial literacy program referred to as "Shaksham" in association with CDC to provide education to 25000 individuals and 300 villages in the four districts of MP. The RBL bank has also been a banking partner for the Delhi Daredevils. RBL even started another financial literacy program "Swadhaar Finaccess" for women from lower-income communities in association with Swadhaar Information and Management Services in Gujarat and Mumbai.