Banking and Finance (Major)

Unit

Title and Contents

No. of

Lecture Hours

1

Introduction to Banking

15

1.1.

Origin & Evolution of Banking

·          Meaning, Definition of Bank

·          Evolution & Development of Banking in India

1.2.

Structure of Indian Banking System

·          Scheduled & Non-scheduled Banks

·          Public, Private, Foreign, Regional Rural Banks

Cooperative Banks, Development Banks, Small Finance Banks (SFBs), Payment Banks, Investment Banks, Central Bank.

2

Functions of Banks

20

2.1.

Functions of Banks

·          Primary, Secondary & General Utility Functions

·          Agency Functions

·          Role of Banks in Economic Development.

2.2.

Banking Products & Services

·          Types of Accounts Savings Bank Account (SB Account), Current Account (CA Account), Fixed Deposit Account (FD), Recurring Deposit Account (RD),

·          Loans & Advances –Personal, Business, Agricultural

·          Cards: Debit, Credit, Prepaid E-Banking, Mobile Banking, Internet Banking

3

Banking Operations & Regulation

15

3.1.

Banker–Customer Relationship

·          Types, Obligations & Rights of Banker and Customer

3.2.

Banking Procedures

·          KYC Norms, Opening & Closing Accounts Loan Appraisal and Documentation

·          Cash Management &Clearing System

·          NPA–Meaning, Classification & Recovery

3.3.

Banking Regulation

·          Role and Functions of RBI

·          Monetary Policy-Objectives and Instruments

·          Credit Creation by the Bank-Basis of Credit Creation Limitations of Credit Creation –Principles of Credit Assessment

·          Credit Control Measures-Qualitative and Quantitative Credit Control, CRR, SLR, Repo, Reverse Repo

Priority Sector Lending

4

Recent Trends in Banking

10

4.1.

Digital Banking–Concept & Evolution

·         Meaning of Digital Banking

·         Transition from Traditional to Digital Modes

·         Benefits to Banks & Customers

·         Green Banking

·         Core Banking Solutions (CBS)

·         Concept of “Anytime Anywhere Banking”

·         Features & Advantages

4.2.

Mobile Banking & Internet Banking

·         Types of Services

·         Advantages & Security Measures

·         Mobile Wallets (Paytm, Google Pay, Phone Pe)

4.3.

Cyber Security Tips for Prevention from Cyber Attacks

·         Secure Use of ATM

·         Using Mobile Notification for Security

·         Secure Way of Swiping Credit/Debit Cards

·         Always Check for Transaction Receipt

·         PIN Change – Newly Received Credit/Debit Card

Secure Way of Swiping Credit/Debit Cards etc.