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 Wet Sub temperate Zone :- Dalhousie, dharamshala, Palampur, Baijnath, Jogindernagar.  Humid Sub-temperate zone:- Kullu, Shimla, some parts of Mandi, Solan, Chamba, Kangra & Sirmaur.  Dry temperate Zone:- Alpine high parts of lahul Spiti, Pangi, kinnaur.  Humid sub tropical zone :- Mandi, Nahan, Nalagarh, Nurpur etc.  Sub-Humid tropical zone:- Paonta Sahib, Indore area of kangra. 

BANK OF HINDUSTAN was the first bank established in India (1770).  First purely India bank was PUNJAB NATIONAL BANK (1894).  RESERVE BANK OF INDIA (RBI) was established in 1935 and RBI act,  1934. RBI is the central bank of India.