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FINANCIAL INCLUSION
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Learning outcome(at course level) |
Teaching and Learning Activity |
Assessment Strategies |
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On completion of this course, the students will be able to
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Approach in teaching: Interactive Lectures, Discussion, Tutorials, Practical cases Demonstration, Power point presentation. Learning activities for the students: Self learning assignments, Effective questions, Seminar presentation, Live practical problems analysis |
Class test, Semester end examinations, Quiz, Solving problems in tutorials, Assignments, Presentation, Individual and group projects |
Definition, need, factors affecting financial inclusion, meaning of financial literacy and financial exclusion, challenges to financial inclusion in India.
Government’s and RBI initiatives for financial inclusion.
• Financial inclusion schemes in India: An overview of Pradhan Mantri Jan Dhan Yojana (PMJDY) ,Atal Pension Yojana (APY),Pradhan Mantri Vaya Vandana Yojana (PMVVY) ,Stand Up India Scheme ,Pradhan Mantri Mudra Yojana (PMMY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Sukanya Samriddhi Yojana, Jeevan Suraksha Bandhan Yojana, Credit Enhancement Guarantee Scheme (CEGS) for Scheduled Castes (SCs), Venture Capital, Fund for Scheduled Castes under the Social Sector Initiatives, Varishtha Pension Bima Yojana (VPBY).
An overview of Banking products and services – deposits and advances, KYC norms, Filling of account opening, elementary knowledge of Loan documentation and processing.
Finance life Cycle- Understand concepts of Income, Savings and Consumption, importance of Savings, difference between savings and investments.
Financial Inclusion through Financial Technology and Digital payment system
Concept of time value of Money-Present Value, Future value,
Relevance of time preference for money, Reasons for changing time value of money, Annuities calculations, Calculations of EMI.
Financial Planning and Advising- Introduction to Financial Planning, Importance, Objectives and Need.
Understanding about Investment Avenues-Investment objectives, Factors Affecting investment decision, attributes, Identifying different Asset Classes for Investments, Debt, Equities,Real Estate, Mutual Funds, Gold as an Asset Class
Risk Profiling -Identifying Customers Risk Profile, Asset allocation based on Risk Profile, Portfolio Rebalancing.
• Wayne Winston. , Microsoft Excel 2019 Data Analysis and Business Modeling.
• Dr. N mani, Financial Inclusion in India: Policies and Programme.New Century Publication.
• 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
Suggested Readings:
• L.M.Srivastava and Divya Nigam- “ Management of Indian Financial Institutions”, Himalaya Publishing House
• Davar S.R., Banking Law & Practice, Vikas Publishing House, Delhi
• ShrivastavaP.K.,Banking Law & Practice, Himalaya Publishing House, Bombay
e-RESOURCES:
• World Ebook Library
• https://courses.lumenlearning.com/boundless-economics/
• https://censusindia.gov.in/
• https://fincomindia.nic.in/
• http://www.niti.gov.in/
• https://finmin.nic.in/
• https://www.rbi.org.in/
JOURNALS:
• FIIB Business Review- http:// sagepub.com
• Vikalpa : http:// sagepub.com
• Directory of Open Access Journals
• Bankquest, Indian Institute of Banking and Finance
• Journal of Money, Credit and Banking
