Banking law and Practices

Banks- Meaning, Types of Banks, Functions, Importance and credit creation. Banking Products and Services –Types of Deposits and retail loans.
RBI- Management and Administration, Functions, Credit control measures.

Banker- Customer Relationship- Definition, Types of relationship, Banker right, and garnishee order.
Innovative Banking - Meaning, Significance, and Features
Channels of Banking - ATM, internet, mobile, phone banking
Payment mechanism of Banks - cheques, demand drafts, NEFT, RTGS, ECS.

Negotiable Instruments - Promissory note, Bills of Exchange and Cheque.- Concept, Features, Parties, Types, Acceptance, Collection and Payment of Negotiable Instrument.
Endorsement – Meaning and Types

Presentment:- Meaning, Purpose ( acceptance, sight & Payment)Time and place of Presentment.
Collection and Crossing:- Concept, Liabilities & duties of collecting banker and types of the crossing.
An overview of third party products offered by Banks - mutual funds, insurance, gold, and forex services

Financial inclusion and literacy
Banking Regulation Act 1949, RBI Act 1934 –Main Provisions KYC and ALM.
Customer Protection - Customer service guidelines of RBI and Banking ombudsman.