RETAIL BANKING

Paper Code: 
SBFS 501
Credits: 
4
Contact Hours: 
60.00
Max. Marks: 
100.00
Objective: 

Learning outcome(at course level)

Teaching and Learning Activity

Assessment Strategies

Upon successful completion of this course, the student will be able to:

  1. Distinguish between various times of assets and liabilities products of the banks
  2. Assess various retail liabilities in terms of purpose, requirement, procedure and security.
  3. Evaluate various retail strategies of banks for selling retail products.
  4. Examine the various trends in bank retailing
  5. Analyse effective application of recovery process of retail loans and regulatory measures to curb the issues related to bank loan recovery.

 

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

Written tests, Presentations, Assignment, Quiz.
 
12.00

Concept of Retail Banking,
 Distinction between Retail and Corporate/Wholesale Banking. Retail Products Overview: Types of assets and liability products. Concept of CRM.

12.00

 Study of Retail assets in terms of Eligibility, Purpose, Amounts,
 Margin, Security, Disbursement, Moratorium, Prepayment issues, Repayments/Collection.
 Credit/Debit Cards-Eligibility, Purpose, Amounts, Margin, Security, Process of using the cards, Billing Cycle, Credit Points.
 Study of retail liabilities in terms of purpose, requirement, procedure and security

12.00

Retail Strategies: Tie-up with institutions for retail loans;
 Delivery Channels-Branch, Extension counters, ATMs, POS, Internet Banking, M-Banking; Selling process in retail products

12.00

Trends in Retailing-New products like insurance, D-mat services, online/phone banking, property services, investment advisory/wealth management, Reverse Mortgage-Growth of e-banking, Cross selling opportunities

12.00

Recovery of Retail Loans-Defaults, Rescheduling,
 Recovery process- SARAFAESI Act, DRT Act, use of Lok Adalat forum,
 Recovery Agents-RBI guidelines

Essential Readings: 

• Agarwal, O.P., Fundamentals of Retail Banking, Himalaya Publishing House, Mumbai.
• Jha, SM, Banking Marketing, Himalaya Publishing House, Mumbai
• Khan, MY, Indian Financial System,Tata McGraw Hill Publishing Company Ltd., New Delhi
• Uppal;, RK,& Bishnupriya N, Modern Banking in India, New Century Publications, New Delhi

References: 

Suggested Readings:
• Guruswamy,S., Banking in the New Millenium, New Century Publications, New Delhi
• Indian Institute of Banking & Finance, Retail Banking, Mumbai .
• Mithani.D.M, Money,Banking,International Trade and Public Finance., Himalayan Publication, New Delhi
• Ghosh, D ., Banking Policy in India, Allied Publications, Delhi.

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

Academic Year: 
2023-2024
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