INDIAN BANKING SYSTEM

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

The course will enable the students to acquaint themselves with the fundamentals of banking and enrich their knowledge of the structure and operations of the Indian banking system.

Course Outcomes: 

 

 

Course

 

 

Learning outcome (at course level)

Learning  and Teaching Strategies

Assessment Strategies

Course Code

 

 

Course Title

CBFS 102

 

Indian Banking System          

(Theory)

 

 
  1. Evaluate the Indian banking system, including recent trends and defects.
  2. Analyze the basic objectives of regulatory agencies such as the RBI.
  3. Develop their understanding and expertise in various matters relating to the structure and operations of various types of Banks.
  4.  Acquire knowledge about various development institutions in the Indian and international context
  5.  Figure out and apply various relationship banking strategies for improved banker-customer relationships.
  6. 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

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 the 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, and 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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