INDIAN BANKING SYSTEM

Paper Code: 
CBFS 102
Credits: 
04
Contact Hours: 
60.00
Max. Marks: 
100.00
Objective: 

Learning outcome (at course level)

Learning and teaching strategies

Assessment Strategies

  
 

On completion of this course, the students will be able to:

  1.  Have a thorough understanding of Indian banking system and the recent trends and defects in it.
  2.  To provide the basic objectives of the Regulating Agencies of banking system like RBI.
  3. Develop their understanding and expertise in various matters relating to structure and operations of commercial banks, cooperative banks and RRBs.
  4.  Gain knowledge about various development banking institution in Indian and international context
  5.  Figure out and apply various relationship banking strategies for improved banker customer relationship.

Approach in teaching:

Interactive Lectures, Discussion, Tutorials, Reading assignments, Team teaching

 

Learning activities for the students:

Field activities, Presentation, Giving tasks

Class test, Semester end examinations, Quiz, Solving Numerical problems in tutorials, Assignments, Class Presentation

 

  

 

12.00

Banking system in India: Evolution of Banks in India, Nationalisation of banks: objective, Achievements and Failures Structure and Classification of Banks in India, Recent Trends in Banking System: Social Banking, Innovative Banking. Defects of Indian Banking System, Recent Banking Reforms(overview of Basel II and Basel III)

12.00

Reserve Bank of India: Evolution, Objectives, Organisation Structure, Functions-Traditional, Promotional, Credit control. Deposit insurance Corporation, Achievements of RBI

12.00

Commercial Banking: Evolution, Functions, Present Structure of commercial banks, Credit creation by commercial banks, Role of commercial Banks in developing economy.
Modes of Commercial banking- Merits and demerits of Branch banking, Unit Banking, An Overview of Small Finance banks, payment banks, Chain Banking, Deposit Banking , Universal Banking, Corporate banking.

12.00

Co-Operative and Rural Banking: Commercial banks Vs. Cooperative banks, Structure of Cooperative Banking system in India-Primary Agricultural Societies, , Central Co-operative banks , State Cooperative banks ,Urban cooperative banks, Land development Banks
Regional rural Banks (RRBs): Organisation, Function, Progress, problems faced By RRBs, suggestions for improvement.
National Bank for Agriculture and rural Development(NABARD): Objectives and Function

12.00

Development Banks: Development banks In India-IFCI,IDBI,ICICI,SIDBI,EXIM,SFC
Relationship Banking: - Introduction, Features, Process of Developing Relationship with Customers, Formulating Relationship Banking Strategy.

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.

References: 

Suggested Readings:
• Natarajan S, Parameshwaran R, “ Indian Banking” S.Chand& Company LTD, New Delhi
• L.M.Srivastava and Divya Nigam- “ Management of Indian Financial Institutions”, Himalaya Publishing House, New Delhi

E-Readings:
• https://m.rbi.org.in/scripts/Publications.aspx
• https://moneycontrol.com/
• https://auditboard.com/
• https://tavaga.com/blog/digital-banking-and-its-foray-into-the-banking-s...

Journals:
• Bank Quest, Indian Institute of Banking and Finance, India
• The Review of Economic Studies
• FIIB Business Review- http:// sagepub.com
• Directory of Open Access Journals

Academic Year: 
2023-2024
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