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    Svijayakanthan Selvaraj
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    The document is a lesson plan on the overview of the Indian banking system. It discusses the key laws and regulations governing banking in India including the Reserve Bank of India Act of 1934, the Negotiable Instruments Act of 1881, and the Banking Regulation Act of 1949. It also describes the classification of banks in India into scheduled commercial banks, public sector banks, private banks, and foreign banks. Finally, it outlines the functions of banks including primary functions like acceptance of deposits and lending, and secondary functions such as trade finance.

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    BFSM

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    BFSM UNIT - 1

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    The document is a lesson plan on the overview of the Indian banking system. It discusses the key laws and regulations governing banking in India including the Reserve Bank of India Act of 1934, the Negotiable Instruments Act of 1881, and the Banking Regulation Act of 1949. It also describes the classification of banks in India into scheduled commercial banks, public sector banks, private banks, and foreign banks. Finally, it outlines the functions of banks including primary functions like acceptance of deposits and lending, and secondary functions such as trade finance.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Flag for inappropriate content
    21 views35 pages

    BFSM Unit - 1

    Uploaded by

    Svijayakanthan Selvaraj
    The document is a lesson plan on the overview of the Indian banking system. It discusses the key laws and regulations governing banking in India including the Reserve Bank of India Act of 1934, the Negotiable Instruments Act of 1881, and the Banking Regulation Act of 1949. It also describes the classification of banks in India into scheduled commercial banks, public sector banks, private banks, and foreign banks. Finally, it outlines the functions of banks including primary functions like acceptance of deposits and lending, and secondary functions such as trade finance.

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    of 35

    2015 – 2016

    BA7026 – Banking Financial


    Services Management

    UNIT – I – OVERVIEW OF INDIAN BANKING SYSTEM


    Ms. Jebakerupa Roslin Amirtharajan

    ST. JOSEPH’S COLLEGE OF ENGINEERING, CHENNAI


    | Department of MBA
    St. Joseph’s College of Engineering, Chennai 1
    BA7026 – Banking Financial Services Management

    THE INDIAN FINANCIAL SYSTEM 2

    FINANCIAL ASSETS AND INSTRUMENTS 3


    FINANCIAL MARKETS 3
    FINANCIAL INTERMEDIARIES 4

    THE INDIAN BANKING SYSTEM 4

    NEED OF THE BANKS 4


    REGULATION IN INDIAN BANKING SYSTEM 4
    CLASSIFICATION OF BANKING INDUSTRY IN INDIA 6

    FUNCTIONS OF BANK 8
    PRIMARY FUNCTIONS OF BANKS: 8
    SECONDARY FUNCTIONS OF BANKS: 9

    RESERVE BANK OF INDIA ACT, 1934 10

    STRUCTURE, ORGANISATION AND GOVERNANCE 10


    PRIMARY AUTHORITY OF THE CENTRAL BOARD 12
    SUBSIDIARIES OF THE RBI 13
    FUNCTIONS OF RBI 14
    RBI TOOLS FOR DEVELOPING FINANCIAL SCHEME 16

    THE NEGOTIABLE INSTRUMENT ACT, 1881 17

    MEANING AND DEFINITION OF NEGOTIABLE INSTRUMENTS 17


    CHARACTERISTICS OF A NEGOTIABLE INSTRUMENT 18
    PRESUMPTIONS AS TO NEGOTIABLE INSTRUMENT 18
    TYPES OF NEGOTIABLE INSTRUMENT 19
    NEGOTIATION 22
    ASSIGNMENT 23
    ENDORSEMENT 23
    INSTRUMENTS WITHOUT CONSIDERATION 24
    HOLDER IN DUE COURSE 24

    THE BANKING REGULATION ACT, 1949 26

    MAIN PARTS OF THE ACT 26


    DEFINITION OF BANKING 26
    RIGHTS AND OBLIGATIONS OF A BANKER 31
    RIGHT TO CHARGE SERVICE CHARGES: 33

    BANKS’ FINANCIAL STATEMENT 34

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 2
    BA7026 – Banking Financial Services Management

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 3
    BA7026 – Banking Financial Services Management

    Virtual document

    Transferring Financial Assets

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 4
    BA7026 – Banking Financial Services Management

    Mediator



    State Bank of India

    96 Scheduled Commercial Banks, 27 public sector


    banks, 31 private banks and 38 foreign banks

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 5
    BA7026 – Banking Financial Services Management








    nationalize 14 major commercial banks on 19th July, 1969

    second dose of nationalisation came in April 1980

     Social Welfare

     Controlling Private Monopolies

     Expansion of Banking

     Reducing Regional Imbalance

     Priority Sector Lending

     Developing Banking Habits

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 6
    BA7026 – Banking Financial Services Management

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 7
    BA7026 – Banking Financial Services Management



    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 8
    BA7026 – Banking Financial Services Management

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 9
    BA7026 – Banking Financial Services Management

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 10
    BA7026 – Banking Financial Services Management

    CENTRAL BOARD OF DIRECTORS


    GOVERNOR
    DEPUTY GOVERNORS
    EXECUTIVE DIRECTORS
    PRINCIPAL CHIEF GENERAL MANAGER
    CHIEF GENERAL MANAGERS
    GENERAL MANAGERS
    DEPUTY GENERAL MANAGERS
    ASSISTANT GENERAL MANAGERS
    MANAGERS
    ASSISTANT MANAGERS
    SUPPORT STAFF

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 11
    BA7026 – Banking Financial Services Management

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 12
    BA7026 – Banking Financial Services Management

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 13
    BA7026 – Banking Financial Services Management



    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 14
    BA7026 – Banking Financial Services Management

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 15
    BA7026 – Banking Financial Services Management

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 16
    BA7026 – Banking Financial Services Management


    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 17
    BA7026 – Banking Financial Services Management

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 18
    BA7026 – Banking Financial Services Management

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 19
    BA7026 – Banking Financial Services Management

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 20
    BA7026 – Banking Financial Services Management












    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 21
    BA7026 – Banking Financial Services Management



    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 22
    BA7026 – Banking Financial Services Management


    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 23
    BA7026 – Banking Financial Services Management



    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 24
    BA7026 – Banking Financial Services Management

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 25
    BA7026 – Banking Financial Services Management

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 26
    BA7026 – Banking Financial Services Management

    accepting, for the purpose of lending or investment,

    or deposits of money from the public, repayable on demand or otherwise, and

    withdrawable by cheque, draft, order or otherwise

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 27
    BA7026 – Banking Financial Services Management

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 28
    BA7026 – Banking Financial Services Management

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 29
    BA7026 – Banking Financial Services Management

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 30
    BA7026 – Banking Financial Services Management

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 31
    BA7026 – Banking Financial Services Management

    Cases in which lien cannot exercise:

    Exception to the Right of lien:

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 32
    BA7026 – Banking Financial Services Management

    cases in which automatic set


    off can exercise

    Conditions while exercising right of Set - Off:

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 33
    BA7026 – Banking Financial Services Management

    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan


    St. Joseph’s College of Engineering, Chennai 34
    BA7026 – Banking Financial Services Management






    Unit – I – OVERVIEW OF INDIAN BANKING SYSTEM Ms. Jebakerupa Roslin Amirtharajan

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