Retail Banking

Paper Code: 
SBFS 501
Credits: 
04
Contact Hours: 
60.00
Max. Marks: 
100.00
Objective: 

To enable the students familiarizing with operational aspects of retail banking products
and developing suitable strategies to broaden the retail client base.

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: 

Uppal, RK, Banking Services and IT, New Century Publications, New Delhi
 Guruswamy,S., Banking in the New Millenium, New Century Publications, New Delhi
 Indian Institute of Banking & Finance, Retail Banking, Mumbai .

Academic Year: 
2021-2022
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