Coming soon
Banking Operations and Practices (Theory)
The course will enable the students to gain a comprehensive understanding of banking processes, including
account management, payment systems, loan processing, and regulatory compliance.
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Course
Learning outcome (at course
level)
Learning and
Teaching Strategies
Assessment
Strategies
Course
Code Course Title
25SBFS101
Banking
Operations And
Practices
(Theory)
CO19 Contrast
between various deposit
accounts in banking.
CO20 Evaluate
payment and collection
principles, regulations, and
implications.
CO21 Analyze
Negotiable Instruments Act
demonstrating advanced
problem-solving and legal
skills.
CO22 Critically
evaluate bank lending
principles, in assessing NPAs,
and priority lending
regulations.
CO23 Appraise
innovative banking channels,
payment mechanisms, and
evolving digital systems.
CO24 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.
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Introduction of Banking – Defining , functions, Structure of Banks in India, Types of Banks, Central Bank-
objective and functions.
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
Deposit Accounts – Savings Accounts, Current Accounts, Fixed Deposit Accounts
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)
The Negotiable Instruments Act, 1881(Amendment and Miscellaneous Provisions) Act,2002-Promissory
notes, Bills of exchange and cheques (Demand, drafts, payment orders, etc.)
Endorsement-
Crossing of Cheques-
Dishonours of Cheques.
Lending Operations
Principles of Bank Lending –Kinds of lending facilities such as Loans, Cash Credit, Overdraft, Bills Discounting,
and Letters of Credit , Securities for bank loans .
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
1. P.N. Varshney, Banking law and Practice, Sultan chand and Sons, Delhi
2. B.S. Khubehandani, Practice and Law of Banking, MacMillian India Limited
3. Jain, Khanna, Tiwari, “ Banking and Public Finance” V.K India Enterprises, New Delhi.
4. Natarajan S, Parameshwaran R, “ Indian Banking” S.Chand& Company LTD, New Delhi
5. ShrivastavaP.K.,Banking Law & Practice, Himalaya Publishing House, Bombay.
1. Davar S.R., Banking Law & Practice, Vikas Publishing House, Delhi
2. Shrivastava R.S., Nigam Divya, Management of Indian Financial Institutions” Himalaya Publishing
House, New Delhi
3. TannanM.L.,Banking Law and Practice, Indian Law House, Delhi
4. Bhole, L. M., Financial Markets and Institutions, Tata McGraw Hill, Delhi.
e- Resources:
1. InflibnetShodhganga: www.shodhganga.inflibnet.ac.in
2. National Digital Library
3. World EBook Library
4. https://www.rbi.org.in
5. FIIB Business Review- http:// sagepub.com
6. Vikalpa : http:// sagepub.com
7. Directory of Open Access Journals
