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वाणिज्य व व्यवस्थापन

Principles and Practice of Banking – I

FYBCom (Sem I)


  1. Money : 1.1 Introduction, 1.1.1 Definition of money, Descriptive school of thought, Acceptability school of thought, Legal school of thought, 1.1.2 Importance of money, 1.1.3 Functions of money, Primary functions, Secondary functions, Contingent functions, Static and Dynamic functions, 1.2 Near Money and Digital Money, 1.2.1 Near Money, 1.2.2 Digital Money, 1.3 The circular flow of money in the economy, 1.3.1 Circular flow of money between household and business sectors., 1.3.2 Circular flow of money with savings and investment, 1.3.3 Circular flow of money with government sector, 1.3.4 Circular flow of money with foreign sector,  Questions.
  2. Banking : Meaning and Functions : 2.1 Introduction, 2.2 Meaning and Definition of Banks, 2.3 Features of Bank, 2.4 Evolution of Banking, 2.5 Structure of Indian Banking System, 2.6 Functions and Services of Banks, 2.6.1 Primary Functions, Accepting Deposits, Lending of Funds, 2.6.2 Secondary Functions, Agency Functions, General Utility Functions, 2.7 Role of Banking in Economic Development,  Questions.
  3. Classification and Types of Banks : 3.1 Introduction, 3.2 Classification of Banks, 3.2.1 Structural Classification of Banks, Unit Banking System, Branch Banking System, Group Banking System, Chain Banking System, 3.2.2 Functional Classification of Banks, Central Bank, Commercial Banks, Development Banks, Co-Operative Banks, Land Development Banks, Savings Banks, Exchange Banks, Merchant Banks, Industrial Banks, 3.2.3 Ownership Wise Classification of Banks, Public Sector Banks, Private Sector Banks, Foreign Banks, 3.2.4 Modern Banking, Wholesale Banking, Retail Banking, Merchant Banking, Universal Banking, Virtual Banking,  Questions.
  4. Payment & Settlement System in India : 4.1 Payment and Settlement System, 4.1.1 Payment System, Payment System : Meaning and Concept, 4.1.2 Settlement System, Settlement System : Meaning and Concept, 4.2 Payment and Settlement System in India, 4.3 Payment and Settlement Systems : Importance, 4.4 Evolution of Payment System in India, 4.5 Instruments of Payment and Settlement System in India, 4.5.1 Electronic Clearing Services (ECS), 4.5.2 Real Time Gloss Settlement System (RTGs), 4.5.3 National Electronic Fund Transfer (NEFT), 4.5.4 Cheque Truncation System (CTS), 4.5.5 National Electronic Clearing Service (NECS), 4.5.6 Internet Banking, Internet Banking : Meaning and Concept, Nature of Internet Banking, Features of Internet Banking, Advantages of Internet Banking, 4.5.7 Mobile Banking, Types of Mobile Banking Services, Mobile Banking Services, Advantages of Mobile Banking, 4.5.8 IMPS (Immediate Payment Service), Features of IMPS, Benefits of IMPS, 4.6 Automated Teller Machine (ATM), 4.6.1 ATM : Meaning and Concept, 4.6.2 Brief History, 4.6.3 Functions, 4.6.4 Operating the ATM, 4.6.5 Advantages of ATMs, 4.6.6 Disadvantages of ATMs, 4.7 Benefits of E-Banking, 4.7.1 E-Banking : Meaning and Concept, 4.7.2 Benefits of E-Banking, Benefits of E-Banking to Customers, Benefits of E-Banking to Banks,  Questions.
  5. Bankers, Customers and Banking Operations – I : 5.1 Introduction, 5.1.1 Types of Deposit Accounts, Saving Accounts, Current Account, Fixed Deposit Account, Recurring Deposit Account, 5.2 Process of Opening Operating and Closing of a bank account., 5.2.1 Process of Opening of a Bank account, 5.2.2 Operating the bank accounts, 5.2.3 Closing of a Bank Account, 5.3 KYC Norms and Its importance for customer Acceptance Policy., 5.3.1 KYC Norms, 5.3.2 Importance of KYC for customer acceptance policy., 5.3.3 Closing of a Bank Account, 5.4 Types of Account Holders., 5.4.1 Individual Account Holders, Individuals, Joint Accounts, Illiterate Person, Minar, Married Women, Non-Resident, 5.4.2. Institutional Account Holders, Sole Partnership, Partnership Firm, Joint Stock Company, Hindu Undivided Family, Clubs, Societies and Associations, Trusts,  Questions.
  6. Bankers, Customers and Banking Operations – II : 6.1 Introduction, 6.1.1 Cheque, Cheque: Meaning and Concept, Characteristics of a cheque, Essential elements of a cheque, 6.1.2 Essential privileges to a cheque holder, 6.1.3 Liabilities of paying & collecting banker, Liabilities of paying banker, Liabilities of collecting banker, 6.1.4 Crossing, Dishonour and endorsement of cheque, Crossing of a cheque, 6.1.5 Dishonour cheque, Refusal of payment of cheques, Dishonour by non-payment, 6.1.6 Endorsement of cheque, Kinds of endorsement, 6.1.7 Precaution to be taken by the paying banker, 6.1.8 Protection to the paying and collecting banker regarding cheque, Statutory protection of paying banker, Statutory protection to the collecting banker, 6.2 Negotiable instruments in Banking, 6.2.1 Negotiable instrument: Definition, Essential characteristics of negotiable instruments, 6.2.2 Types and characteristics of negotiable instruments in banking, Cheque, Demand draft, Essential characteristics of negotiable instruments,  Questions.


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