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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.
Dr. Mahapatra is working as an Assistant Professor (Finance) at Centurion University of Technology & Management. She holds a master’s degree in finance from Ravenshaw university. After that she did her Master in Philosophy degree (M.Phil. in Management) from Ravenshaw University. She has also completed her Ph.D. in Commerce from Ravenshaw University. She has more […]
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