BANKING LAW

June - 2013, 2014, 2015, 2016, 2017, 2018, 2019

Dec - 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020

UNIT 1
Marks 15

1. Discuss the (composition) (powers under the banking regulation act) (management) and
(functions) (promotional and supervisory role) with of Reserve Bank of India.
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2. Explain salient (main) features of Banking Regulation Act, 1949 1111
3. Write an explanatory note on the functions of Commercial Bank of India. Examine the
recent trends in the functioning of Commercial Banks in India. 11111
4. Critically examine the contributions of Regional Rural Banks in promoting rural
economy.
5. Discuss origin and evolution of Banking Institution in India 11
6. What are the activities (businesses) permitted by Banking Regulation Act, 1949 to be
taken by the Banker/ What are the activities (businesses) permitted by Banking
Regulation Act, 1949 to be taken by the Banker?
7. Describe the role of Reserve Bank of India in the economic development of the country
8. Discuss the various types of Banks along with their functions 11
9. Examine the various controls of RBI over commercial banks
10. Monopoly of currency issue

Short notes

1. Write a short note on I.D.B.I.

2. U.T.I (AXIS BANK) 11
3. State Bank of India. 111
4. Scheduled and non-scheduled banks.
5. Commercial Banks
6. Co-operative banks

UNIT 2
1. Explain the objects and features of Securitisation Act, 2002/ Explain the objectives and
features of Securitisation Act, 2002 111
2. Discuss the ways by which a banker can make profitable uses of funds with him
3. Explain the precautions to be taken by a banker while lending against goods. 1111
4. Explain the precautions to be taken by a banker while lending on hypothecation
5. Explain the precautions to be taken by a banker while lending against immovable
property.
6. Discuss pros. and cons of accepting ‘Guarantee’ as security for banker’s advance. Would
you like to suggest remedies for apparent drawbacks ?
7. What type of documents of the title to goods can be accepted by banker as security for
loan. What precaution he has to take?
8. What do you mean by gilt-edged securities ? What are the advantage and disadvantage of
these securities ?
9. Explain the priority sectors of Credit Guarantee Schemes
10. Explain the general principles relating to (secured loan) 11
11. Explain the sound principles of banking and lending. What are the general precautions of
lending.
12. Objectives and major features of deposit insurance and credit guarantee corporation of
india act

Short Notes

1. Priority sector advances/ Advances to priority sectors. 11

2. Financing of exports
3. Special banking services. 111
4. Agency services. 11
5. Exchange control
UNIT 3
15 marks

1. Who is a holder ? Explain the rights of a holder in due course./ What is a holder in due-
course? Explain the privileges of a holder in due-course 111
2. Define cheque , crossing of cheque and explain the different kinds of crossing of cheque
and its effects. 1
3. What is Negotiable Instrument ? What are the kinds of Negotiable Instruments ? How
Negotiable Instruments are different from Transferable Instruments ?
4. What is Endorsement ? Explain different kinds of Endorsement. 1111111111
5. Who is paying banker ? State the statutory protections available to paying banker. 111
6. Define cheque. Distinguish cheque from bill of exchange 1 Distinguish cheque from
promissory note 11
7. Define bill of exchange. State the distinctions between bill of exchange and promissory
note. Presentment of bill of exchange, when is it unnecessary 11

Short Notes

1. Material alternation.
2. Bills in sets 11
3. Assignment and Negotiation.
4. Payment for Honour.
5. Promissory note. 11
6. Deposit insurance co-operation

UNIT 4
1. ‘‘Banker’s duty of secrecy is not absolute’’. Explain when the disclosure of account is
justified. 1111 Comment on Banker’s obligation to maintain the secrecy of the
customer’s account./ Discuss the Banker’s obligation to maintain the secrecy of the
customer’s account. 1111
2. Discuss the various precautions to be taken by a banker while opening and operating
account of a) agent b) married woman and c) partnership firm. D) join stock company E)
Minor F) company G) trust (generally)
3. Narrate the rights of Banker
4. Who is a Banker (customer) ? Explain General (special) Relationship of Banker with his
customer. 111111111
5. Briefly explain the customer's duties towards his Banker
6. Comment on the relationship between a banker and a customer with regard to safe deposit
vaults
7. Explain the objectives and features of Deposit Insurance and Credit Guarantee
Corporation of India Act, 1961

Short Notes

1. Banker’s right to set-off.

2. Saving account and current A/c
3. Banker’s lien.
4. ‘Bank orders’.
5. Garnishee Order
6. Pass Book
7. Noting and Protesting

UNIT 5
1. Explain Ancillary Services of a bank and E-Banking Remittances.11111
2. Explain the various trends of E-banking services. 11
3. Explain the powers and functions of Banking Ombudsman 111111
4. Explain E-banking system in India
5. Examine the grounds under which banking ombudsman may reject the complaint. 11
6. New trends of banking system

Short notes

1. Credit Card 1
2. Travellers cheques
3. Cyber Evidence. 1
4. ATM
5. Internet Banking. 11
6. Mobile Banking system