This bank does not accept deposits from the public and does not lend to general public :

Reserve Bank of India

The answer is Reserve Bank of India.

The Reserve Bank of India (RBI) is the central bank of India. It is responsible for issuing currency, regulating the banking system, and managing the country's foreign exchange reserves. The RBI does not accept deposits from the public or lend to the general public. It lends to banks and financial institutions, and it provides them with other services such as check clearing and cash management.

The other options, Punjab National Bank, State Bank of India, and Bank of India, are all commercial banks. Commercial banks accept deposits from the public and lend to the general public. They are the main intermediaries in the financial system.