IMIS

Bhubaneswar
COURSE MANUAL
Batch : 2019-21 Retail Banking (C-308) - 3 credits
Term : III Prof. (Dr.) Divya Gupta
Course Objective
The main objective is to provide basic understanding of the subject of Banking to the students. After
undergoing this term, the students will have a fair knowledge on different aspects of banking and its
functions (deposits and lending) in detail, its role in the economy and also a broad overview of the
regulatory environment in India. This course will also cover technological development in banks, green
banking and briefly covers the different committees on banking in India. Apart from primary functions of
banks (deposits and lending) other miscellaneous and ancillary functions will also be taught.

Lesson Plan

Session 1-2
Topic: Indian Banking System: Origin of Banking, Structure of Indian Banking, NBFCs &
Functions of Banks.
Treatment: Lecture Mode

Suggested Reading:
Text Book: Banking Theory and Practice - P.K. Srivastava (Chapter 1 & 2),
Ref. Books: Banking Law and Practice - P.N. Varshney (Chapter 1), Banking Theory, Law and Practice
- Gordon & Natarajan (Chapter 23 & 30) Tannan’s Banking (Law & Practice in India), M.L.
Tannan (Chapter 1) Introduction to Banking – Vijayraghavan Iyengar (chapter 1)

Session 3-4
Topic: Banking Regulation Act 1949: Main Provisions of the Act, maximum paid-up Capital
and Reserves and Control Over Management of Bank.
Treatment: Lecture Mode

Suggested Reading:
Text Book: Banking Theory and Practice - P.K. Srivastava (Chapter 5)
Ref. Books: Banking Theory, Law and Practice, Gordon & Natarajan (Chapter 33) Tannan’s Banking
(Law & Practice in India), M.L. Tannan (Chapter 3)

Session 5-6
Topic: Central Banking & Banking Sector Reforms: The Reserve Bank of India and its
functions, Banking Sector Reforms & Challenges: New Payment banks and small
banks and Mudra bank.
Treatment: Lecture Mode

Suggested Reading:
Text Book: Banking Theory and Practice - P.K. Srivastava (Chapter 3 & 4),
Ref. Books: Banking Law and Practice - P.N. Varshney (Chapter 2), Banking Theory, Law and
Practice - Gordon & Natarajan, (Chapter 31 & 34), Tannan’s Banking (Law Practice in
India), M.L. Tannan (Chapter 6), Introduction to Banking – Vijayraghavan Iyengar ( chapter
2 & 3)

Session 7-8
Topic: Important laws Applied in banking: Negotiable Instruments Act – Acceptance,
Endorsement & Crossing; Paying Banker/collecting banker – Collection & payment
of Cheques & Bills.
Treatment: Lecture Mode

Suggested reading:
Text Book: Banking Theory and Practice - P.K. Srivastava (Chapter 13 & 14),
Ref. Books: Banking Law and Practice - P.N. Varshney (Chapter 6, 9 & 10), Banking Theory, Law and
Practice, Gordon & Natarajan, (Chapter 5 to 12) Introduction to Banking – Vijayraghavan
Iyengar ( chapter 8 & 9) and Management of Banking and Financial Service - Justin Paul
Padmalatha Suresh ( Chapter 3 )

Session 9-10
Topic: Different Types of Accounts-: Various products and operations of bank (SA, CA, FD,
RD, NRI accounts, CASA,) and KYC norms.
Treatment: Lecture Mode
Suggested Reading:
Text Book: Banking Theory and Practice - P.K. Srivastava (Chapter 9)
Ref. Books: Banking Law and Practice - P.N. Varshney (Chapter 4), Banking Theory, Law And
Practice, Gordon & Natarajan (Chapter 2) Tannan’s Banking (Law & Practice in India),
M.L. Tannan (Chapter 14)

Session 11 Students Presentations

Session 12
Topic: Banker-Customer Relationship: General relationship, Special relationship Banker’s
Lien and Secrecy of accounts.
Treatment: Lecture Mode

Suggested Reading:
Text Book: Banking Theory and Practice - P.K. Srivastava (Chapter 8 & 11)
Ref. Books: Banking Law and Practice - P.N. Varshney ( Chapter 3), Banking Theory, Law and
Practice, Gordon & Natarajan (Chapter 1), Tannan’s Banking (Law & Practice in India
M.L. Tannan), (Chapter 13)

MID-TERM EXAMINATION

Session 13-14
Topic: Miscellaneous Services: Safe Custody of Valuables; Remittance of funds ,
Bancassurance, Gifts cards and Forex cards.
Treatment: Lecture Mode

Suggested Reading:
Text Book: Banking Theory and Practice - P.K. Srivastava (Chapter 7)
Ref. Books: Banking Law and Practice - P.N. Varshney (Chapter 25), Banking Theory, Law and
Practice, Gordon & Natarajan (Chapter 22), Tannan’s Banking (Law & Practice in India),
M.L. Tannan (Chapter 38)

Session 15-16
Topic: Technology in Banking & Payment and Settlement System: – Debit Card, Credit
Card, Smart Cards, ATM, Core Banking and Internet Banking. EFT, ECS, RTGS ,
Cheque Truncation, e-wallets, IMPS, UPI, USSD and Digital Banking.
Treatment : Lecture Mode

Suggested Reading:
Text Book: Banking Theory and Practice - P.K. Srivastava (Chapter 23)
Ref. Books: Introduction to Banking – Vijayraghavan Iyengar (chapter 10), Banking Theory, Law and
Practice, Gordon & Natarajan (Chapter 40)

Session 17
Topic: Types of lending; Principles of lending – funded Advances - Cash Credit; Loans and
Overdraft.
Treatment: Lecture Mode

Suggested Reading:
Text Book: Banking Theory and Practice - P.K. Srivastava (Chapter 15–part A & Chapter 16)
Ref. Books: Banking Law and Practice - P.N. Varshney (Chapter 15) Banking Theory, Law and
Practice, Gordon & Natarajan (Chapter 14)

Session 18
Topic: Non-fund Advances (Guarantees/Letter of Credit)
Treatment: Lecture Mode

Suggested Reading:
Text Book: Banking Theory and Practice - P.K. Srivastava (Chapter 16 & 19)
Ref. Books: Banking Law and Practice - P.N. Varshney (Chapter 19 & 20) Banking Theory, Law and
Practice, Gordon & Natarajan (Chapter 16 & 22) Tannan’s Banking (Law & Practice in
India), M.L. Tannan (Chapter 31 & 46)

Session 19-20
Topic: Advances against goods: Conventional advances against LIC Policy; fixed Deposit;
Title to goods, loan against shares and Modes of Creating Charge.
Treatment: Lecture Mode
Suggested Reading:
Text Book: Banking Theory and Practice - P.K. Srivastava (Chapter 17 & 18)
Ref. Books: Banking Law and Practice - P.N. Varshney (Chapter 16 & 17) Banking Theory, Law and
Practice, Gordon & Natarajan (Chapter 15 to 20) Tannan’s Banking (Law & Practice in
India), M.L. Tannan (Chapter 34 & 36)

Session 21 Students Presentation

Session 22-23
Topic: Retail Banking: Educational Loan, Vehicle Loan and Housing Loan
Treatment: Lecture Mode

Suggested Reading:
Ref. Books: Home Loans, IIBF
Websites: http://www.icicibank.com/Personal-Banking/loans/personal-loan/
http://www.hdfcbank.com/personal/loans/personal_loans/personal_loans.htm
http://www.bankofbaroda.com/pfs/eduloans.asp
http://www.axisbank.com/personal/loans/loans.asp

Session 24
Topic: Different Committees and Green Banking: Concept of Green Banking, green
banking trends in India. Different committees on banking : Nachiket Mor committee
and Malegam committee.
Treatment: Lecture Mode

Kindly Note

Presentations: Presentations will be conducted in groups.

Quizzes
There will be two surprise quizzes conducted, i.e. first during Pre-Mid Term and second during Post-Mid
Term.

Assignments
There will be one assignment on group basis. The names of the group members and topics will be
announced in the class. The group members are expected to visit a branch of any scheduled bank and in
evidence thereof they will attach the visiting card and a brochure to the assignment paper. The topics will
relate to the deposits, ancillary services and advances. The assignment will cover the broad profile of the
bank and the branch in addition to the observations on banking services rendered.

Components for evaluation Marks

Quiz Tests (Two nos.) : 10
Assignments (one no) : 10
Presentation : 10
Class Participation :: 10
Mid Term Examination : 20
End Term Examination : 40
Total : 100