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J&K Bank functions as a universal bank in Jammu & Kashmir and as a specialised bank in the rest of the country. It is also the only private sector bank designated as RBI s agent for banking business, and carries out the banking business of the Central Government, besides collecting central taxes for CBDT.

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A transformer is an electrical device that takes electricity of one voltage and changes it into another voltage. You'll see transformers at the top of utility poles and even changing the voltage in a toy train set.

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