Punjab National Bank has focussed quite a bit in rural areas, which is actually needed for our country. Their ATMs are given the facility of English, National Language Hindi and the local language of the state. They also provide mobile top-up facility. Ganesha's astrological view for PNB's Birth Map says that though their intention is very noble and they are aiming very high, they will have to take good care of disinvestment, loss of deposit, low profit ratio and restricted financial growth till September 2009. They will also have to be extra careful about the online share trading facility that they have been providing, specifically next one year's time from now seems crucial for this service. In short, longer the run higher the benefit would be but nearer future of PNB does not seem to be in much favour of it.