BANKING OPERATION AND PRACTICES

Paper Code: 
SBFS 101
Credits: 
04
Contact Hours: 
60.00
Max. Marks: 
100.00
Objective: 

The course will enable the students to gain a comprehensive understanding of banking processes, including account management, payment systems, loan processing, and regulatory compliance.

Course Outcomes: 

 

 

Course

 

 

Learning outcome (at course level)

Learning  and Teaching Strategies

Assessment Strategies

Course Code

 

 

Course Title

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

SBFS101

24BFS 10124101

 

 

 

Banking Operations And Practices

(Theory)

 

 
  1. Contrast between various deposit accounts in banking, showing a deep understanding of their functions and benefits for customers.
  2. Evaluate payment and collection principles, regulations, and implications of forged instruments, showcasing advanced problem-solving skills.
  3.  Analyze and apply the Negotiable Instruments Act, 1881 (Amendment and Miscellaneous Provisions) Act, 2002, in real scenarios, demonstrating advanced problem-solving and legal skills.
  4. Critically evaluate bank lending principles, demonstrate advanced analytical skills in assessing NPAs, and understand priority lending regulations.
  5. Critically examine innovative banking significance, and features,  channels, payment mechanisms, and evolving digital systems.

 

  1. Contribute effectively in course-specific interaction.

Approach in teaching: Blended Learning, Collaborative approach, Interactive Lectures, Discussion, Group Projects, PowerPoint presentation.

   

Learning activities for the students:

Self-learning assignments, Seminar presentations, Case Study Analysis, Brainstorming activities

 

Class tests, CA Test,

Semester end examinations, Quiz,

Evaluation of student Presentations,

 

Evaluation of Individual and group projects,

 

Assessment of Project Reports and viva voce.

 

12.00
Unit I: 
• Introduction of Banking

• Introduction of Banking – Defining Banks and Banking, Basic functions of Banker, Banking System in India, Structure of Banks in India,Types of Bank, Central Bank
• Deposit Accounts – Savings Accounts, Current Accounts, Fixed Deposit Accounts
• Banker-Customer Relations – Know your Customer[KYC] guidelines-Different Deposit Products – services rendered by Banks – Mandate and Power of attorney; Banker’s lien – right of set off – garnishee order – Income tax attachment order etc.

12.00
Unit II: 
• Introduction of Banking – Defining Banks and Banking, Basic functions of Banker, Banking System in India, Structure of Banks in India,Types of Bank, Central Bank • Deposit Accounts – Savings Accounts, Current Accounts, Fixed Deposit Accounts • Banker-

• Payment and Collection of Cheque – duties and responsibilities of paying and collecting banker-protection available to paying and collecting banker under NI Act – endorsements – forged instruments – bouncing of cheques and their implications
• Opening of accounts for various types of customers – minors – joint account holders – HUF – firms – companies – trusts – societies – Govt. and public bodies Importance of Anti Money Laundering (AML)

12.00
Unit III: 
• Banking Operations:

• Banking Operations: The Negotiable Instruments Act, 1881(Amendment and Miscellaneous Provisions) Act,2002- Notes, Bills and Cheques-Promissory notes, Bills of exchange and cheques (Demand, drafts, payment orders etc.)-
• Responsibility of paying-collecting banker indemnities-guarantees-scope and application-obligation of a banker
• Endorsement-
• Crossing of Cheques-
• Dishonours of Cheques

12.00
Unit IV: 
• Lending Operations:

• Principles of Bank Lending –Kinds of lending facilities such as Loans, Cash Credit, Overdraft, Bills Discounting, and Letters of Credit –NPA: Meaning, circumstances & impact –regulations of priority lending for commercial banks.

12.00
Unit V: 
• Innovative Banking -

• Innovative Banking - Meaning, Significance and Features ,Channels of Banking - ATM, internet, mobile banking, phone banking, Payment mechanism of Banks - cheques, demand drafts, NEFT, RTGS, ECS. Understanding Wallets,UPI- concept, rules and regulations

Essential Readings: 

• P.N. Varshney, Banking law and Practice, Sultan chand and Sons, Delhi
• B.S. Khubehandani, Practice and Law of Banking, MacMillian India Limited
• Jain, Khanna, Tiwari, “ Banking and Public Finance” V.K India Enterprises, New Delhi.
• Natarajan S, Parameshwaran R, “ Indian Banking” S.Chand& Company LTD, New Delhi
• ShrivastavaP.K.,Banking Law & Practice, Himalaya Publishing House, Bombay.

References: 

SUGGESTED READINGS:
• Davar S.R., Banking Law & Practice, Vikas Publishing House, Delhi
• Shrivastava R.S., Nigam Divya, Management of Indian Financial Institutions” Himalaya Publishing House, New Delhi
• TannanM.L.,Banking Law and Practice, Indian Law House, Delhi
• Bhole, L. M., Financial Markets and Institutions, Tata McGraw Hill, Delhi.
E-READINGS:
• InflibnetShodhganga: www.shodhganga.inflibnet.ac.in
• National Digital Library
• World EBook Library
• https://www.rbi.org.in
Journals:
• FIIB Business Review- http:// sagepub.com
• Vikalpa : http:// sagepub.com
• Directory of Open Access Journals

Academic Year: 
2023-2024
  • Printer-friendly version
  • PDF version