The city of Jammu in the Jammu Division of the Indian state of Jammu and Kashmir is the winter capital of the state. All the administrative offices of Jammu & Kashmir move from Srinagar to Jammu from November to April. Jammu is the main cultural and economic center of the administrative division of Jammu. The city dwells on the banks of River Tawi, with five bridges on the river. Jammu city is surrounded by the Shivalik range and the Trikuta Range. It experiences a humid subtropical climate with extremely torrid summer reaching 46 ?C, and freezing winters, occasionally falling below 4 ?C. Tourism is the largest industry in Jammu. The city serves as a focal point for the pilgrims visiting Vaishno Devi. All the major tourist attractions in Kashmir such as Poonch, Doda and Laddakh are reached via Jammu city. Hence, the city bustles with tourists from all the parts of India throughout the year. Various places of tourist interest in and around Jammu include old historic relics like Mubarak Mandi, Rani Park, Amar Mahal, Purani Mandi, Bahu Fort, Ranbireshwar Temple, Karbala, Raghunath Temple, Peer Meetha, Old city, etc. The economy of the city is also supported by its number of woodgrain mills and rice mills which cater to the local population. There is an industrial estate located at Bari Brahamna which has Industrial units manufacturing products like carpets, electronic goods, electric goods, etc. This area also has a freight rail link which aids in carrying the manufactured goods to other parts the country.
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.