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To provide the student an understanding of banking system in India and its different products.
Course Objectives:
To provide the student an understanding of banking system in India and its different products.
Course Contents:
Unit 1: Introduction to Banking
Definition, Functions of bank, Structure of Banking Sector in India
Unit 2: Deposits
Classification of bank accounts, Savings, Current, Recurring and Fixed Deposit Account, Calculation
Interest on Deposits
Unit 3: Loans and Advances
Merits and Principles of Granting Loan, Personal Loan, Home Loan, Loan against property, Car Loan,
Education Loan, Business Loan
Unit 4: Business Loans
Types of Business Loan, Process of obtaining Business Loan, Documents needed for securing a business
loan, Steps of obtaining loans, Securities needed for loan, Creation of charge, Calculate interest on C/C
Loan
Unit 5: Cards
Debit Card, ATM Card, Credit Card, Calculation of Interest on Credit Card
Unit 6: Banking Instruments
Cheque, NEFT, RTGS, IMPS, Internet Banking
Unit 7: Letter of Credit & Bank Guarantee
Elements of a Letter of Credit, Parties to a Letter of Credit, Letter of Credit Documents, Process of
Letter of Credit, Bank Guarantee (BG), Classification of BG, Execution of BG, Letter of Credit vs Bank
Guarantee
Unit 8: Accounting Treatment for banking transactions
Unit 9: Bank Rates in India
CRR, SLR, Repo Rate, Reverse Repo Rate
Unit 10: Asset classification of a bank
Performing Asset, NPA, Provision on types of assets
Books Recommended:
1. Bedi H.L & Hardikar V.K : Practical Banking.
2. Sheldon H.P : Practice and Law of Banking.
3. Bedi. H.L : Theory and Practice of Banking.
4. Kothari N. M: Law and Practice of Banking.
My qualification is M.Com,LL.B,MBA,CAIIB(certified Indian Institute of Bankers). I started my career as a Lecturer in commerce (UGC PAY),appointed by DPI (HE) Odisha in 1978.I opted for Probationary officer in 1982.I started my career as a national Faculty of NIIT in 2012 imparting training to Bank officers PAN India both Retail and Corporate. I joined […]
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