Orientation Program on Curriculum Design & Delivery

V Semester BBA (NEP), BNU

Dated:31st October 2023@Cambridge College

CORE PAPER - BANKING LAW AND PRACTICE

Resource Person Rapporteur

Dr. Rajini .T.V. Ms. Maria Mendes

Assistant Professor of Commerce HOD, Dept. of Commerce
GFGC, Varthur Koshys Institute of Management Studies

Total No. of Teaching

Course Credits No. of hours
hours
per week
4 Credits 4 hours 56 hours

Pedagogy: Classroom lectures, tutorials, Group discussion, Seminar, Case studies & field work etc.,

Course Outcomes: On successful completion of the course, the students will be able to:
a) Understand the legal aspects of banker and customer relationship.
b) Open the different types of accounts.
c) Describe the various operations of banks.
d) Understand the different types of crossing of cheques and endorsement.
e) Understanding of different types of E-payments.

The following report prepared after productive discussion with the participants at the session. During
deliberation, it was decided by the resource person and the participants to focus more on giving practical
knowledge and exposure on some topics and chapters relevant to current situations. Faculties are
informed to guide students to analyze case studies rather giving few case studies with solutions. Students
can be asked to visit banks and observe and study the various operations of the bank and prepare report
on it. And also the students can be asked to get Bank Account opening forms, cheques and negotiable
instruments in the classroom for discussion.

Syllabus and Suggestions

A)Banker and Customer Relationship:
Introduction – Meaning of Banker & Customer
General and Special relationships between Banker & Customer
Rights and Obligations of Banker & Customer
Module-1
Banker and Customer B) Customers and Account Holders:
(16Hrs) Types of Customer and Account Holders
Procedure and Practice in opening and operating the accounts of
different types of customers
Minor, Joint Account Holders, Partnership Firms, Joint Stock
Companies, Clubs, Non-Resident Account – NRI & NRE Accounts.
 Module-2 Meaning -Duties and Responsibilities of Collecting Banker
Banking Operations Holder for Value
(8 Hrs) Holder in Due Course
Statutory Protection to Collecting Banker
Meaning -Precautions -Statutory Protection to the Paying Banker -
Module-3 Cheques -Crossing of Cheques -Types of Crossing
Paying Banker Endorsement - Meaning-Essentials and Kinds of Endorsement
(12 Hrs) Dishonour of Cheque -Grounds for Dishonour of cheque.

Principles of Bank Lending

Kinds of lending - Loans, Cash Credit, Overdraft, Bills Discounting,
Module-4 Letters of Credit
Lending Operations Types of securities
(12 Hrs) Methods of creation of charge-Secured and Unsecured Advances
Procedure - Housing, Education and Vehicle loan
Non-Performing Asset (NPA)-Meaning, circumstances & impact

New technology in Banking -E-Services -Plastic cards

Module-5 Internet Banking-ATM based services-ECS, MICR, RTGS, NEFT,
Banking Innovations DEMAT, IMPS UPI AADHAR enabled payment system-USSD, E-
(8 Hrs) Valet and application based payment systems-Role of artificial
intelligence in banks -Block Chain– Meaning and features

(Suggestion to focus this particular chapter for case study and also
for the students presentation which will be useful for their CIA
Marks based on relevance)

Case Studies:

https://legalstudies.in/banking-laws-india/
https://www.scribd.com/document/352992597/Case-Studies-Banking-Law-Practice

Skill Development Activities:

a) Collect and paste pay in slip for SB A/c and Current A/c
b) Draw a specimen of a crossed cheque
c) List out different types of customers and collect KYC documents required for loan
d) List out various fee based services offered by a bank in your locality
e) List out application based payment systems provided by a commercial banks

Books for References:

1. Gordon & Natarajan: Banking Theory Law and Practice, HPH.

2. Maheshwari. S.N.: Banking Law and Practice, Vikas Publication.
3. Kothari N. M: Law and Practice of Banking.
4. Tannan M.L: Banking Law and Practice in India, Indian Law House
5. S. P Srivastava: Banking Theory & Practice, Anmol Publications.
6. Sheldon H.P: Practice and Law of Banking.
7. Neelam C Gulati: Principles of Banking Management.
8. Dr. Alice Mani: Banking Law and Operation, SB.
 Suggested Blue Print

SECTION A SECTION B SECTION C SECTION D

Module 1 1 or 2 1 1 -

Module 2 1 1 1 -

Module 3 1 or 2 1 1 -

Module 4 1 or 2 1 1 1

Module 5 1 1 1 1

TOTAL QUESTIONS 7 5 5 2

Dr. Rajini.T.V. Maria Mendes

Resource Person Rapporteur