Can any one help me to identify the following image effect or PS Action?
I need same BG color effect for my image.
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It's not an effect or an Action you can just apply with one click.
You can recreate something like this using a very simple arrangement of layers and use layer masking to remove the existing background of a photograph.
To get the white overlay layer, I just used the magic wand to select the white pixels from your example image, created a new transparent layer and filled the selection with white, then I cleaned it up using a white brush and the eraser tool.
The most complex part of an edit like this is the background removal from the photograph. There are tutorials on youtube for that if you get stuck. Photoshop's Select and Mask functionality is what you need to search for.