91 8B F1 0D 30 58 5 68 E 49

F A A B
1F 8BF F1A 0D 301 158C C5A 685 5EB 492 2BC
8 0 3 5 6 E 4
F8 BF1 1A0 D3 015 8C5 5A6 85E B4 92B BCC C96A
B 0 8 9
8B F1AA0DD30 158 C5AA68 85EB B49 2BC CC9 96A 91F
F1 0D 30 158 C5 68 5E 49 2B C 6A 91F 8B
F1 A0D 30 158 C5 A68 5E B49 2B CC 96A 91F 8B F1A
A A B C 9
1A 0D 301 158C C5A 685 5EB 492 2BC C9 6A9 91F8 8BF F1A 0D3
3 5 4 C 6 0
A0 0D3 015 8C 5A6 685E EB4 92B BCC 96 A91 1F8B BF1 1A0 D30 0158
D3 015 8C 5A 85 B4 92 CC 96 A9 F8 F1 A0 D3 15 C5
0D 01 8 5A 68 EB 9 BC 9 A 1F BF A D 01 8C A

73302
30 5 C5 6 5E 4 2B C 6A 91 8B 1 0D 30 58 5 68

i.
ii.

(i)
30 158 8C5AA68 85EB B49 92BC CC9 96A 91F F8B F1AA0D 301 158C C5AA68 5EB
1 F 5

(ii)
01 58C C5A 685 5EB 492 2BC C96 6A9 91F8 8BF 1A0 0D3 3015 58C 5A6 685 EB4 492B
58 5A 68 EB 49 BC C9 A 1F B 1A D 01 8C 5A 85 EB 92 C

Act, 1949?

Decide
15 C5 6 5E 4 2B C 6A 91 8B F1 0D 30 58 5 68 E 49 B C
8C A 85 B 92 C 96 9 F8 F A0 3 15 C A6 5E B4 2B CC 96
5A 685 EB 492 BC C9 A9 1F BF 1A D3 01 8C 5A 85 B 92 C 96 A9
68 EB 49 BC C9 6A 1F 8BF 1A 0D 01 58C 5A 685 EB 492 BC C96 A9 1F8
5E 49 2B C 6A 91 8B 1 0D 30 58 5A 68 EB 49 BC C9 A 1F B

2019.
B4 2B CC 96 91 F8 F1 A0 30 15 C5 6 5E 4 2B C 6A 91 8B F1

Give Reasons :
92 C 96 A9 F8 BF A0 D3 15 8C A6 85E B4 92B CC 96 91 F8B F1 A0
BC C9 A 1F BF 1A D 01 8C 5A 85 B 92 C 96 A9 F8 F A D3
C9 6A 91F 8B 1A 0D 301 58C 5A 685 EB 492 BC C9 A9 1F8 BF 1A 0D3 015

it to ‘D’ for value.

(a) Kinds of endorsement.
6A 91F 8B F1A 0D 30 58 5A 68 EB 49 BC C9 6A 1F BF 1A 0D 01 8C

(f) Inland and Foreign Bills.

91 8B F1 0D 30 158 C5 68 5E 49 2B C9 6A 91F 8B 1A 0D 301 58 5A
F8 F1 A0 3 15 C5 A6 5E B4 2B CC 6A 91 8B F1 0 30 58 C5 68
BF A D3 01 8C A 85 B 92 C 96 9 F8 F A0 D3 15 C A6 5E (c) What is a Garnishee Order?

(d) Debt of Recovery Tribunals.

1A 0D 01 58C 5A 685 EB 492 BC C9 A9 1F8 BF 1A D3 015 8C 5A 85 B4
0D 301 58 5A 68 EB 49 BC C9 6A 1F BF 1A 0D 01 8C 5A 685 EB 92
30 58 C5A 68 5EB 49 2BC C9 6A 91F 8B 1A 0D 301 58C 5A 68 EB 492 BC
15 C5 6 5E 4 2B C 6A 91 8B F1 0D 30 58 5 68 5E 49 B C
(d) What is ‘noting’ and who does it?
8C A 85 B 92 C 96 9 F8 F A0 3 15 C A6 5E B4 2B CC 96
N.B.: All questions are compulsory.

(b) Winding up of Banking Company.

5A 685 EB 492 BC C9 A9 1F BF 1A D3 01 8C 5A 85 B 92 C 96 A9
68 EB 49 BC C9 6A 1F 8BF 1A 0D 01 58C 5A 685 EB 492 BC C96 A9 1F8
5E 49 2B C 6A 91 8B 1 0D 30 58 5A 68 EB 49 BC C9 A 1F B
B4 2B CC 96 91 F8 F1 A0 30 15 C5 6 5E 4 2B C 6A 91 8B F1
92 C 96 A9 F8 BF A0 D3 15 8C A6 85E B4 92B CC 96 91 F8B F1 A0
BC C9 A 1F BF 1A D 01 8C 5A 85 B 92 C 96 A9 F8 F A D3
C9 6A 91F 8B 1A 0D 301 58C 5A 685 EB 492 BC C9 A9 1F8 BF 1A 0D3 015
6A 91F 8B F1A 0D 30 58 5A 68 EB 49 BC C9 6A 1F BF 1A 0D 01 8C
(3HOURS)

91 8B F1 0D 30 158 C5 68 5E 49 2B C9 6A 91F 8B 1A 0D 301 58 5A

a set off against a loan taken by ‘A’

F8 F1 A0 3 15 C5 A6 5E B4 2B CC 6A 91 8B F1 0 30 58 C5 68
BF A D3 01 8C A 85 B 92 C 96 9 F8 F A0 D3 15 C A6 5E
1A 0D 01 58C 5A 685 EB 492 BC C9 A9 1F8 BF 1A D3 015 8C 5A 85 B4

Q2. Write Short Notes on any four of the following:

Page 1 of 4
0D 301 58 5A 68 EB 49 BC C9 6A 1F BF 1A 0D 01 8C 5A 685 EB 92

Q3. Answer the following by giving reasons (any two)

30 58 C5A 68 5EB 49 2BC C9 6A 91F 8B 1A 0D 301 58C 5A 68 EB 492 BC
15 C5 6 5E 4 2B C 6A 91 8B F1 0D 30 58 5 68 5E 49 B C
8C A 85 B 92 C 96 9 F8 F A0 3 15 C A6 5E B4 2B CC 96

(c) Contrast between Promissory Note and Bill of Exchange.

5A 685 EB 492 BC C9 A9 1F BF 1A D3 01 8C 5A 85 B 92 C 96 A9

Whether D can sue the prior parties of the bill.

68 EB 49 BC C9 6A 1F 8BF 1A 0D 01 58C 5A 685 EB 492 BC C96 A9 1F8
5E 49 2B C 6A 91 8B 1 0D 30 58 5A 68 EB 49 BC C9 A 1F B
B4 2B CC 96 91 F8 F1 A0 30 15 C5 6 5E 4 2B C 6A 91 8B F1
(h) What is a ‘hundi’ under the Negotiable Instrument Act, 1881?

92 C 96 A9 F8 BF A0 D3 15 8C A6 85E B4 92B CC 96 91 F8B F1 A0

(g) What is a ‘Bank Rate’ as per Reserve Bank of India Act, 1934?
(b) What is the meaning of ‘special crossing’ in terms of a cheque?

BC C9 A 1F BF 1A D 01 8C 5A 85 B 92 C 96 A9 F8 F A D3

under what provisions of the Banking Regulation Act, 1949.

C9 6A 91F 8B 1A 0D 301 58C 5A 685 EB 492 BC C9 A9 1F8 BF 1A 0D3 015

CC96A91F8BF1A0D30158C5A685EB492B
6A 91F 8B F1A 0D 30 58 5A 68 EB 49 BC C9 6A 1F BF 1A 0D 01 8C
91 8B F1 0D 30 158 C5 68 5E 49 2B C9 6A 91F 8B 1A 0D 301 58 5A
Q.1 Answer the following questions in not more than two sentences:

F8 F1 A0 3 15 C5 A6 5E B4 2B CC 6A 91 8B F1 0 30 58 C5 68
(e) Composition of Central Board under the Reserve Bank of India, 1934.
BF A D3 01 8C A 85 B 92 C 96 9 F8 F A0 D3 15 C A6 5E
(i) Give two main objectives of enacting the Banking Regulation Act, 1949.

1A 0D 01 58C 5A 685 EB 492 BC C9 A9 1F8 BF 1A D3 015 8C 5A 85 B4

0D 301 58 5A 68 EB 49 BC C9 6A 1F BF 1A 0D 01 8C 5A 685 EB 92
(e) What is ‘Legal Proceeding’ under the Bankers Books Evidence Act, 1891?

30 58 C5A 68 5EB 49 2BC C9 6A 91F 8B 1A 0D 301 58C 5A 68 EB 492 BC

(j) ‘Deposit Insurance Corporation’ under the Reserve Bank of India Act, 1934.

15 C5 6 5E 4 2B C 6A 91 8B F1 0D 30 58 5 68 5E 49 B C
8C A 85 B 92 C 96 9 F8 F A0 3 15 C A6 5E B4 2B CC 96

Whether prior parties other than D have any right of action inter-se.
5A 685 EB 492 BC C9 A9 1F BF 1A D3 01 8C 5A 85 B 92 C 96 A9
68 EB 49 BC C9 6A 1F 8BF 1A 0D 01 58C 5A 685 EB 492 BC C96 A9 1F8
(f) Define ‘debt’ under the Debts due to Banks and Financial Institutions Act, 1993?

5E 49 2B C 6A 91 8B 1 0D 30 58 5A 68 EB 49 BC C9 A 1F B
B4 2B CC 96 91 F8 F1 A0 30 15 C5 6 5E 4 2B C 6A 91 8B F1
92 C 96 A9 F8 BF A0 D3 15 8C A6 85E B4 92B CC 96 91 F8B F1 A0
BC C9 A 1F BF 1A D 01 8C 5A 85 B 92 C 96 A9 F8 F A
C9 6A 91F 8B 1A 0D 301 58C 5A 685 EB 492 BC C9 A9 1F8 BF 1A 0D3
Paper / Subject Code: 35807 / Banking Laws & Negotiable Instruments Act.

6A 91F 8B F1A 0D 30 58 5A 68 EB 49 BC C9 6A 1F BF 1A 0D
91 8B F1 0D 30 158 C5 68 5E 49 2B C9 6A 91F 8B 1A 0D 30
(a) What is the ‘minimum capital requirement of a bank’ according to the Banking Regulation

(12)
(20)
(20)

F8 F1 A0 3 15 C5 A6 5E B4 2B CC 6A 91 8B F1 0 30
BF A D3 01 8C A 85 B 92 C 96 9 F8 F A0 D3 1
[Marks: 100]

1A 0D 01 58C 5A 685 EB 492 BC C9 A9 1F8 BF 1A D3 015

0D 301 58 5A 68 EB 49 BC C9 6A 1F BF 1A 0D 01 8
30 58 C5A 68 5EB 49 2BC C9 6A 91F 8B 1A 0D 301 58C

wants to engage in trade by buying and selling goods to enhance its profits. The Bank also

A cheque is issued on an account by ‘A’ and on the funds of this account the bank has
(B) ‘XYZ’ BANK has been doing business of Banking in India for last 10 years. Now, the Bank

(C) Whether the Bank is justified in refusing the payment of a cheque in the following conditions.
‘XYZ’ Bank engage in trading and transfer of 40% of its profit to its Reserve Fund. If yes,
wants to transfer 40% of its profit to its Reserve Fund to strengthen its capital base. Can
consideration. The bill of exchange is transferred to ‘C’ without consideration. ‘C’ transferred

A cheque is issued on 01-01-2019 and is presented to the Bank for payment on 01-05-
(A) ‘A’ draws a bill of exchange on ‘B’. ‘B’ accepts the bill of exchange without any

15 C5 6 5E 4 2B C 6A 91 8B F1 0D 30 58
8C A 85 B 92 C 96 9 F8 F A0 3 15 C
5A 685 EB 492 BC C9 A9 1F BF 1A D3 01 8C 5
68 EB 49 BC C9 6A 1F 8BF 1A 0D 01 58C 5A
5E 49 2B C 6A 91 8B 1 0D 30 58 5A
B4 2B CC 96 91 F8 F1 A0 30 15 C5 6
92 C 96 A9 F8 BF A0 D3 15 8C A6 8
BC C9 A 1F BF 1A D 01 8C 5A 85
C9 6A 91F 8B 1A 0D 301 58C 5A 685
6 9 8 F 3 5 6
 91 8B F1 0D 30 58 5 68 E 49
F A A B
1F 8BF F1A 0D 301 158C C5A 685 5EB 492 2BC
8 0 3 5 6 E 4
F8 BF1 1A0 D3 015 8C5 5A6 85E B4 92B BCC C96A
B 0 8 9
8B F1AA0DD30 158 C5AA68 85EB B49 2BC CC9 96A 91F
F1 0D 30 158 C5 68 5E 49 2B C 6A 91F 8B
F1 A0D 30 158 C5 A68 5E B49 2B CC 96A 91F 8B F1A
A A B C 9
1A 0D 301 158C C5A 685 5EB 492 2BC C9 6A9 91F8 8BF F1A 0D3
3 5 4 C 6 0
A0 0D3 015 8C 5A6 685E EB4 92B BCC 96 A91 1F8B BF1 1A0 D30 0158
D3 015 8C 5A 85 B4 92 CC 96 A9 F8 F1 A0 D3 15 C5
0D 01 8 5A 68 EB 9 BC 9 A 1F BF A D 01 8C A

73302
30 5 C5 6 5E 4 2B C 6A 91 8B 1 0D 30 58 5 68
30 158 8C5AA68 85EB B49 92BC CC9 96A 91F F8B F1AA0D 301 158C C5AA68 5EB
1 F 5
(iii)
01 58C C5A 685 5EB 492 2BC C96 6A9 91F8 8BF 1A0 0D3 3015 58C 5A6 685 EB4 492B
58 5A 68 EB 49 BC C9 A 1F B 1A D 01 8C 5A 85 EB 92 C
15 C5 6 5E 4 2B C 6A 91 8B F1 0D 30 58 5 68 E 49 B C
8C A 85 B 92 C 96 9 F8 F A0 3 15 C A6 5E B4 2B CC 96

i.
ii.
5A 685 EB 492 BC C9 A9 1F BF 1A D3 01 8C 5A 85 B 92 C 96 A9

evidence?
68 EB 49 BC C9 6A 1F 8BF 1A 0D 01 58C 5A 685 EB 492 BC C96 A9 1F8
5E 49 2B C 6A 91 8B 1 0D 30 58 5A 68 EB 49 BC C9 A 1F B
B4 2B CC 96 91 F8 F1 A0 30 15 C5 6 5E 4 2B C 6A 91 8B F1
92 C 96 A9 F8 BF A0 D3 15 8C A6 85E B4 92B CC 96 91 F8B F1 A0
BC C9 A 1F BF 1A D 01 8C 5A 85 B 92 C 96 A9 F8 F A D3
C9 6A 91F 8B 1A 0D 301 58C 5A 685 EB 492 BC C9 A9 1F8 BF 1A 0D3 015
6A 91F 8B F1A 0D 30 58 5A 68 EB 49 BC C9 6A 1F BF 1A 0D 01 8C
91 8B F1 0D 30 158 C5 68 5E 49 2B C9 6A 91F 8B 1A 0D 301 58 5A
F8 F1 A0 3 15 C5 A6 5E B4 2B CC 6A 91 8B F1 0 30 58 C5 68
BF A D3 01 8C A 85 B 92 C 96 9 F8 F A0 D3 15 C A6 5E
Q4. Write any four questions

1A 0D 01 58C 5A 685 EB 492 BC C9 A9 1F8 BF 1A D3 015 8C 5A 85 B4

0D 301 58 5A 68 EB 49 BC C9 6A 1F BF 1A 0D 01 8C 5A 685 EB 92
30 58 C5A 68 5EB 49 2BC C9 6A 91F 8B 1A 0D 301 58C 5A 68 EB 492 BC
15 C5 6 5E 4 2B C 6A 91 8B F1 0D 30 58 5 68 5E 49 B C
‘M’ as on 21-12-2018.

8C A 85 B 92 C 96 9 F8 F A0 3 15 C A6 5E B4 2B CC 96
5A 685 EB 492 BC C9 A9 1F BF 1A D3 01 8C 5A 85 B 92 C 96 A9
68 EB 49 BC C9 6A 1F 8BF 1A 0D 01 58C 5A 685 EB 492 BC C96 A9 1F8
5E 49 2B C 6A 91 8B 1 0D 30 58 5A 68 EB 49 BC C9 A 1F B
B4 2B CC 96 91 F8 F1 A0 30 15 C5 6 5E 4 2B C 6A 91 8B F1
92 C 96 A9 F8 BF A0 D3 15 8C A6 85E B4 92B CC 96 91 F8B F1 A0
BC C9 A 1F BF 1A D 01 8C 5A 85 B 92 C 96 A9 F8 F A D3
C9 6A 91F 8B 1A 0D 301 58C 5A 685 EB 492 BC C9 A9 1F8 BF 1A 0D3 015
6A 91F 8B F1A 0D 30 58 5A 68 EB 49 BC C9 6A 1F BF 1A 0D 01 8C
91 8B F1 0D 30 158 C5 68 5E 49 2B C9 6A 91F 8B 1A 0D 301 58 5A
F8 F1 A0 3 15 C5 A6 5E B4 2B CC 6A 91 8B F1 0 30 58 C5 68
BF A D3 01 8C A 85 B 92 C 96 9 F8 F A0 D3 15 C A6 5E
1A 0D 01 58C 5A 685 EB 492 BC C9 A9 1F8 BF 1A D3 015 8C 5A 85 B4
rights and privileges of a Holder in due course?

Page 2 of 4
0D 301 58 5A 68 EB 49 BC C9 6A 1F BF 1A 0D 01 8C 5A 685 EB 92
30 58 C5A 68 5EB 49 2BC C9 6A 91F 8B 1A 0D 301 58C 5A 68 EB 492 BC
15 C5 6 5E 4 2B C 6A 91 8B F1 0D 30 58 5 68 5E 49 B C
8C A 85 B 92 C 96 9 F8 F A0 3 15 C A6 5E B4 2B CC 96
5A 685 EB 492 BC C9 A9 1F BF 1A D3 01 8C 5A 85 B 92 C 96 A9
__________________
68 EB 49 BC C9 6A 1F 8BF 1A 0D 01 58C 5A 685 EB 492 BC C96 A9 1F8
5E 49 2B C 6A 91 8B 1 0D 30 58 5A 68 EB 49 BC C9 A 1F B
B4 2B CC 96 91 F8 F1 A0 30 15 C5 6 5E 4 2B C 6A 91 8B F1
92 C 96 A9 F8 BF A0 D3 15 8C A6 85E B4 92B CC 96 91 F8B F1 A0
BC C9 A 1F BF 1A D 01 8C 5A 85 B 92 C 96 A9 F8 F A D3
C9 6A 91F 8B 1A 0D 301 58C 5A 685 EB 492 BC C9 A9 1F8 BF 1A 0D3 015

CC96A91F8BF1A0D30158C5A685EB492B
6A 91F 8B F1A 0D 30 58 5A 68 EB 49 BC C9 6A 1F BF 1A 0D 01 8C
91 8B F1 0D 30 158 C5 68 5E 49 2B C9 6A 91F 8B 1A 0D 301 58 5A
F8 F1 A0 3 15 C5 A6 5E B4 2B CC 6A 91 8B F1 0 30 58 C5 68
Licensing of Banking Company and their Branches

BF A D3 01 8C A 85 B 92 C 96 9 F8 F A0 D3 15 C A6 5E
(c) Discuss the provisions of Banking Regulation Act, 1949 relating to

1A 0D 01 58C 5A 685 EB 492 BC C9 A9 1F8 BF 1A D3 015 8C 5A 85 B4

0D 301 58 5A 68 EB 49 BC C9 6A 1F BF 1A 0D 01 8C 5A 685 EB 92
30 58 C5A 68 5EB 49 2BC C9 6A 91F 8B 1A 0D 301 58C 5A 68 EB 492 BC
15 C5 6 5E 4 2B C 6A 91 8B F1 0D 30 58 5 68 5E 49 B C
(a) What are the core functions of Reserve Bank as a Central Bank of India?

(e) Explain powers and functions of Securities and Exchange Board of India.

8C A 85 B 92 C 96 9 F8 F A0 3 15 C A6 5E B4 2B CC 96
5A 685 EB 492 BC C9 A9 1F BF 1A D3 01 8C 5A 85 B 92 C 96 A9
Licensing of Co-operative(Urban) Banks and their Branches

68 EB 49 BC C9 6A 1F 8BF 1A 0D 01 58C 5A 685 EB 492 BC C96 A9 1F8

5E 49 2B C 6A 91 8B 1 0D 30 58 5A 68 EB 49 BC C9 A 1F B
B4 2B CC 96 91 F8 F1 A0 30 15 C5 6 5E 4 2B C 6A 91 8B F1
92 C 96 A9 F8 BF A0 D3 15 8C A6 85E B4 92B CC 96 91 F8B F1 A0
BC C9 A 1F BF 1A D 01 8C 5A 85 B 92 C 96 A9 F8 F A
(d) Discuss the provisions under Section 138 of the Negotiable Instrument Act, 1881.

C9 6A 91F 8B 1A 0D 301 58C 5A 685 EB 492 BC C9 A9 1F8 BF 1A 0D3

Paper / Subject Code: 35807 / Banking Laws & Negotiable Instruments Act.

6A 91F 8B F1A 0D 30 58 5A 68 EB 49 BC C9 6A 1F BF 1A 0D
91 8B F1 0D 30 158 C5 68 5E 49 2B C9 6A 91F 8B 1A 0D 30
(48)

(b) What is the difference between Holder and Holder in Due Course? Discuss the various

F8 F1 A0 3 15 C5 A6 5E B4 2B CC 6A 91 8B F1 0 30
BF A D3 01 8C A 85 B 92 C 96 9 F8 F A0 D3 1
1A 0D 01 58C 5A 685 EB 492 BC C9 A9 1F8 BF 1A D3 015
0D 301 58 5A 68 EB 49 BC C9 6A 1F BF 1A 0D 01 8
30 58 C5A 68 5EB 49 2BC C9 6A 91F 8B 1A 0D 301 58C
presented for payment on 10-01-2019, the Bank has been notified of the lunacy of

(f) What are the various presumptions as to Negotiable Instruments as to special rules of
‘XYZ’ Bank receives a cheque dated 01-12-2018 drawn by ‘M’, the cheque is

15 C5 6 5E 4 2B C 6A 91 8B F1 0D 30 58
8C A 85 B 92 C 96 9 F8 F A0 3 15 C
5A 685 EB 492 BC C9 A9 1F BF 1A D3 01 8C 5
68 EB 49 BC C9 6A 1F 8BF 1A 0D 01 58C 5A
5E 49 2B C 6A 91 8B 1 0D 30 58 5A
B4 2B CC 96 91 F8 F1 A0 30 15 C5 6
92 C 96 A9 F8 BF A0 D3 15 8C A6 8
BC C9 A 1F BF 1A D 01 8C 5A 85
C9 6A 91F 8B 1A 0D 301 58C 5A 685
6 9 8 F 3 5 6
22 243 18AABDD44 1CF BD 767 CE 9B B0A
24 1 B 4 1C B 7 C 9 B D
24 318 8AB D4 41C FB D76 67C E9B BB0 0AD 55F
31 AB D4 41 FB D7 7C E9 B AD 55 62
43 8A D 4 CF D 67 E BB 0A 5 F6 22
18 B 4 1C B 7 C 9 0 D 5 2 4
18 AB D44 41C FBDD76 67C E9B BB0 AD 55F F622 2243 318
A D F E A A

Q.3
Q.2
Q.1
8A BD 441 1CF BD 767 7CE 9BB B0A D5 55F6 6222 2431 18A BD
B 4 C B 7 6 C 9B 0 D 5F 2 4 8
AB D4 41C FB D7 7C E9 B AD 55 62 224 318 AB BD4 441C
4 D 6 B 0 F 2 4

j)
i)

f)
f)

e)
c)
a)
e)
c)
a)

g)

d)
b)
h)
d)
b)
BDD44 1CF FBD 767 7CE E9B B0AAD5 55F 622 243 318AABDD44 1CF FBD
1 B 6
44 C B 76 C 9B 0 D 5F 22 4 8 B 44 C BD 762 1 1
44 1CF FBDD76 7CE E9B B0AAD5 55F 622 243 318AABDD44 1CF FBD 767 7CE
44 1CF BD 76 7CE 9B B0A D5 5F 622 243 18A BD 44 1CF BD 767 CE 9B
1C B 7 7C 9 B D 5 62 24 1 B 4 1C B 7 C 9 B
1C FB D76 67C E9B BB0 0AD 55F F62 224 318 8AB D44 41C FB D76 67C E9B BB0 0AD
FB D7 7C E9 B AD 55 62 224 318 AB D4 1C FB D7 7C E9 B0 AD 55
N.B:

property?
D7 67C E9 BB 0A 55 F62 22 31 AB D4 41 FB D7 67C E9 BB AD 55 F62
67 E9 BB 0A D5 F6 22 431 8A D 41 CF D7 67 E9 BB 0A 55 F6 22
CE B 0A D5 5F 22 43 8A BD 44 CF BD 67 CE B 0A D5 F 22 43
9B B0 D 5F 622 243 18A BD 44 1C BD 76 CE 9B B0 D 5F 622 243 18A
B0 AD 55F 62 24 18 B 4 1C FB 76 7C 9B B0 AD 55F 62 24 18 B
AD 55 62 224 318 AB D4 41C FB D7 7C E9 B0 AD 55 62 224 318 AB D4

Negotiation back
55 F62 224 318 AB D4 41C FB D7 67C E9 BB0 AD 55 F62 224 318 AB D4 41C
F6 22 31 A D 41 F D 67 E9 BB A 55 F6 22 31 A D 41 FB

indebted to the bank.

22 43 8A BD 44 CF BD 767 CE B 0A D5 F6 22 43 8A BD 44 CF D
24 18 B 4 1C B 76 C 9B B0 D 5F 22 24 18 B 44 1C B 76
31 AB D4 41 FB D7 7C E9 B AD 55 62 24 31 AB D4 1C FB D7 7C

a) Analyse the following:-

bank honour the cheque

Debt Recovery Tribunal
Inland and Foreign Bills
8A D 41 CF D 67 E BB 0A 5 F6 22 31 8A D 41 F D 67 E
BD 44 CF BD 767 CE 9B 0A D5 5F 22 43 8A BD 44 CF BD 767 CE 9B
44 1CF BD 76 CE 9B B0A D5 5F 622 243 18A BD 44 1CF BD 767 CE 9B B0A

Bankers Book Evidence Act

1C B 76 7C 9B B0 D 5F 62 24 18 B 44 1C B 76 C 9B B0 D

in the joint name of A and B.

FB D7 7C E9 B AD 55 62 224 318 AB D4 1C FB D7 7C E9 B0 AD 55

Short Notes- Attempt any four:

Answer in one/two sentence/s:-
D7 67C E9 BB 0A 55 F62 22 31 AB D4 41 FB D7 67C E9 BB AD 55 F62

Financial Instruments Act,1993.

67 E9 BB 0A D5 F6 22 431 8A D 41 CF D7 67 E9 BB 0A 55 F6 22

Attempt any two of the following:

CE B 0A D5 5F 22 43 8A BD 44 CF BD 67 CE B 0A D5 F 22 43
9B B0 D 5F 622 243 18A BD 44 1C BD 76 CE 9B B0 D 5F 622 243 18A

What is an ‘ambiguous instrument’?

B0 AD 55F 62 24 18 B 4 1C FB 76 7C 9B B0 AD 55F 62 24 18 B
What is ‘maturity’ and ‘days of grace?
AD 55 62 224 318 AB D4 41C FB D7 7C E9 B0 AD 55 62 224 318 AB D4
55 F62 224 318 AB D4 41C FB D7 67C E9 BB0 AD 55 F62 224 318 AB D4 41C
F6 22 31 A D 41 F D 67 E9 BB A 55 F6 22 31 A D 41 FB

The Security and Exchange Board of India

22 43 8A BD 44 CF BD 767 CE B 0A D5 F6 22 43 8A BD 44 CF D
24 18 B 4 1C B 76 C 9B B0 D 5F 22 24 18 B 44 1C B 76
31 AB D4 41 FB D7 7C E9 B AD 55 62 24 31 AB D4 1C FB D7 7C
8A D 41 CF D 67 E BB 0A 5 F6 22 31 8A D 41 F D 67 E
1. All questions are compulsory.

BD 44 CF BD 767 CE 9B 0A D5 5F 22 43 8A BD 44 CF BD 767 CE 9B

Page 1 of 5
44 1CF BD 76 CE 9B B0A D5 5F 622 243 18A BD 44 1CF BD 767 CE 9B B0A
What are the demand and time liability of a bank?
3. Use case law wherever required.

1C B 76 7C 9B B0 D 5F 62 24 18 B 44 1C B 76 C 9B B0 D
FB D7 7C E9 B AD 55 62 224 318 AB D4 1C FB D7 7C E9 B0 AD 55
[Time: 3 Hours]

D7 67C E9 BB 0A 55 F62 22 31 AB D4 41 FB D7 67C E9 BB AD 55 F62

67 E9 BB 0A D5 F6 22 431 8A D 41 CF D7 67 E9 BB 0A 55 F6 22
2. Figures to the right indicate full marks.

CE B 0A D5 5F 22 43 8A BD 44 CF BD 67 CE B 0A D5 F 22 43
9B B0 D 5F 622 243 18A BD 44 1C BD 76 CE 9B B0 D 5F 622 243 18A
B0 AD 55F 62 24 18 B 4 1C FB 76 7C 9B B0 AD 55F 62 24 18 B

Licensing of banks under the Banking Regulation Act,1949

AD 55 62 224 318 AB D4 41C FB D7 7C E9 B0 AD 55 62 224 318 AB D4
What is the definition of “Rupee Coin” under RBI Act, 1934?

55 F62 224 318 AB D4 41C FB D7 67C E9 BB0 AD 55 F62 224 318 AB D4 41C

AD55F62224318ABD441CFBD767CE9BB0
F6 22 31 A D 41 F D 67 E9 BB A 55 F6 22 31 A D 41 FB
22 43 8A BD 44 CF BD 767 CE B 0A D5 F6 22 43 8A BD 44 CF D
24 18 B 4 1C B 76 C 9B B0 D 5F 22 24 18 B 44 1C B 76
31 AB D4 41 FB D7 7C E9 B AD 55 62 24 31 AB D4 1C FB D7 7C
8A D 41 CF D 67 E BB 0A 5 F6 22 31 8A D 41 F D 67 E
BD 44 CF BD 767 CE 9B 0A D5 5F 22 43 8A BD 44 CF BD 767 CE 9B
44 1CF BD 76 CE 9B B0A D5 5F 622 243 18A BD 44 1CF BD 767 CE 9B B0A

of Rs.1,00,000/-. Can it honour cheques out of funds over Rs.1,00,000/-?

1C B 76 7C 9B B0 D 5F 62 24 18 B 44 1C B 76 C 9B B0 D
FB D7 7C E9 B AD 55 62 224 318 AB D4 1C FB D7 7C E9 B0 AD 55
D7 67C E9 BB 0A 55 F62 22 31 AB D4 41 FB D7 67C E9 BB AD 55 F62
Please check whether you have got the right question paper.

What is the definition of unclaimed deposits under Banking Regulation Act?

Who is an ‘Acceptor for honour’ under the Negotiable Instrument Act 1881?

67 E9 BB 0A D5 F6 22 431 8A D 41 CF D7 67 E9 BB 0A 55 F6 22

b) Discuss the following how a banker should deal with the following situation:-
CE B 0A D5 5F 22 43 8A BD 44 CF BD 67 CE B 0A D5 F 22 43
What is the mode of proof of entries in the Bankers Books Evidence Act, 1891?

9B B0 D 5F 622 243 18A BD 44 1C BD 76 CE 9B B0 D 5F 622 243 18A

B0 AD 55F 62 24 18 B 4 1C FB 76 7C 9B B0 AD 55F 62 24 18
AD 55 62 224 318 AB D4 41C FB D7 7C E9 B0 AD 55 62 224 318 AB
What is the definition of ‘Banking Policy’ under the Banking Regulation Act, 1949

55 F62 224 318 AB D4 41C FB D7 67C E9 BB0 AD 55 F62 224 318 AB

Q.P. Code :27029

F6 22 31 A D 41 F D 67 E9 BB A 55 F6 22 31 A D
22 43 8A BD 44 CF BD 767 CE B 0A D5 F6 22 43 8A BD
24 18 B 4 1C B 76 C 9B B0 D 5F 22 24 18 B 4
31 AB D4 41 FB D7 7C E9 B AD 55 62 24 31 AB D4

Court by his creditors. The court appoints an official receiver on the 22.09.2017. The bank
8A D 41 CF D 67 E BB 0A 5 F6 22 31 8A D 41
BD 44 CF BD 767 CE 9B 0A D5 5F 22 43 8A BD 44

ii) ‘A’ is an account holder with a bank. On the 21.6.2017 suit of insolvency is filed in the High

received a cheque of Rs. 50,000/- signed by the account holder on the 27.09.2017. Should the
44 1CF BD 76 CE 9B B0A D5 5F 622 243 18A BD 44 1C

i) There is a credit balance in the account of A. The banker wishes to set off against an overdraft
What is the period and the extended period for which a banking company can hold immovable

Deposit of amount of debt due on filing appeal under the Recovery of Debts Due to Banks and

1C B 76 7C 9B B0 D 5F 62 24 18 B 44 1C

ii) X a customer has deposited jewels worth Rs.5 lakhs for safe custody. Subsequently X becomes
i) In respect of an account held by a customer ‘A’ the bank receive an attachment order for a value
FB D7 7C E9 B AD 55 62 224 318 AB D4 1C F
D7 67C E9 BB 0A 55 F62 22 31 AB D4 41 FB
12
20
20

67 E9 BB 0A D5 F6 22 431 8A D 41 CF
CE B 0A D5 5F 22 43 8A BD 44 CF BD
[ Marks:100]

9B B0 D 5F 622 243 18A BD 44 1C BD

B0 AD 55F 62 24 18 B 4 1C FB 7
AD 55 62 224 318 AB D4 41C FB D7
55 F62 22 31 AB D4 41C FB D7 67
22 243 18AABDD44 1CF BD 767 CE 9B B0A
24 1 B 4 1C B 7 C 9 B D
24 318 8AB D4 41C FB D76 67C E9B BB0 0AD 55F
31 AB D4 41 FB D7 7C E9 B AD 55 62
43 8A D 4 CF D 67 E BB 0A 5 F6 22
18 B 4 1C B 7 C 9 0 D 5 2 4
18 AB D44 41C FBDD76 67C E9B BB0 AD 55F F622 2243 318
A D F E A A

Q.4
8A BD 441 1CF BD 767 7CE 9BB B0A D5 55F6 6222 2431 18A BD
B 4 C B 7 6 C 9B 0 D 5F 2 4 8
AB D4 41C FB D7 7C E9 B AD 55 62 224 318 AB BD4 441C
4 D 6 B 0 F 2 4

f)
e)
c)
a)

d)
b)
BDD44 1CF FBD 767 7CE E9B B0AAD5 55F 622 243 318AABDD44 1CF FBD
1 B 6
44 C B 76 C 9B 0 D 5F 22 4 8 B 44 C BD 762 1 1
44 1CF FBDD76 7CE E9B B0AAD5 55F 622 243 318AABDD44 1CF FBD 767 7CE
44 1CF BD 76 7CE 9B B0A D5 5F 622 243 18A BD 44 1CF BD 767 CE 9B
1C B 7 7C 9 B D 5 62 24 1 B 4 1C B 7 C 9 B

staff.
1C FB D76 67C E9B BB0 0AD 55F F62 224 318 8AB D44 41C FB D76 67C E9B BB0 0AD
FB D7 7C E9 B AD 55 62 224 318 AB D4 1C FB D7 7C E9 B0 AD 55
D7 67C E9 BB 0A 55 F62 22 31 AB D4 41 FB D7 67C E9 BB AD 55 F62

Act, 1881.
67 E9 BB 0A D5 F6 22 431 8A D 41 CF D7 67 E9 BB 0A 55 F6 22
CE B 0A D5 5F 22 43 8A BD 44 CF BD 67 CE B 0A D5 F 22 43
9B B0 D 5F 622 243 18A BD 44 1C BD 76 CE 9B B0 D 5F 622 243 18A
B0 AD 55F 62 24 18 B 4 1C FB 76 7C 9B B0 AD 55F 62 24 18 B
AD 55 62 224 318 AB D4 41C FB D7 7C E9 B0 AD 55 62 224 318 AB D4
55 F62 224 318 AB D4 41C FB D7 67C E9 BB0 AD 55 F62 224 318 AB D4 41C

credit information.
F6 22 31 A D 41 F D 67 E9 BB A 55 F6 22 31 A D 41 FB
22 43 8A BD 44 CF BD 767 CE B 0A D5 F6 22 43 8A BD 44 CF D

of depositors money.
24 18 B 4 1C B 76 C 9B B0 D 5F 22 24 18 B 44 1C B 76
31 AB D4 41 FB D7 7C E9 B AD 55 62 24 31 AB D4 1C FB D7 7C
8A D 41 CF D 67 E BB 0A 5 F6 22 31 8A D 41 F D 67 E
BD 44 CF BD 767 CE 9B 0A D5 5F 22 43 8A BD 44 CF BD 767 CE 9B
44 1CF BD 76 CE 9B B0A D5 5F 622 243 18A BD 44 1CF BD 767 CE 9B B0A
1C B 76 7C 9B B0 D 5F 62 24 18 B 44 1C B 76 C 9B B0 D
FB D7 7C E9 B AD 55 62 224 318 AB D4 1C FB D7 7C E9 B0 AD 55

Banking Regulation Act 1949.

D7 67C E9 BB 0A 55 F62 22 31 AB D4 41 FB D7 67C E9 BB AD 55 F62
67 E9 BB 0A D5 F6 22 431 8A D 41 CF D7 67 E9 BB 0A 55 F6 22
CE B 0A D5 5F 22 43 8A BD 44 CF BD 67 CE B 0A D5 F 22 43

Attempt any four of the following:-

privileges of a holder in due course.

9B B0 D 5F 622 243 18A BD 44 1C BD 76 CE 9B B0 D 5F 622 243 18A
a will which has not been probated:-

B0 AD 55F 62 24 18 B 4 1C FB 76 7C 9B B0 AD 55F 62 24 18 B
AD 55 62 224 318 AB D4 41C FB D7 7C E9 B0 AD 55 62 224 318 AB D4
payable to the Income tax Department?

55 F62 224 318 AB D4 41C FB D7 67C E9 BB0 AD 55 F62 224 318 AB D4 41C
F6 22 31 A D 41 F D 67 E9 BB A 55 F6 22 31 A D 41 FB
22 43 8A BD 44 CF BD 767 CE B 0A D5 F6 22 43 8A BD 44 CF D
24 18 B 4 1C B 76 C 9B B0 D 5F 22 24 18 B 44 1C B 76
31 AB D4 41 FB D7 7C E9 B AD 55 62 24 31 AB D4 1C FB D7 7C
8A D 41 CF D 67 E BB 0A 5 F6 22 31 8A D 41 F D 67 E
BD 44 CF BD 767 CE 9B 0A D5 5F 22 43 8A BD 44 CF BD 767 CE 9B

Page 2 of 5
44 1CF BD 76 CE 9B B0A D5 5F 622 243 18A BD 44 1CF BD 767 CE 9B B0A
1C B 76 7C 9B B0 D 5F 62 24 18 B 44 1C B 76 C 9B B0 D
FB D7 7C E9 B AD 55 62 224 318 AB D4 1C FB D7 7C E9 B0 AD 55
D7 67C E9 BB 0A 55 F62 22 31 AB D4 41 FB D7 67C E9 BB AD 55 F62
67 E9 BB 0A D5 F6 22 431 8A D 41 CF D7 67 E9 BB 0A 55 F6 22
ii) How should the bank deal with the claim of ‘B’ and ‘C’.

CE B 0A D5 5F 22 43 8A BD 44 CF BD 67 CE B 0A D5 F 22 43
9B B0 D 5F 622 243 18A BD 44 1C BD 76 CE 9B B0 D 5F 622 243 18A
B0 AD 55F 62 24 18 B 4 1C FB 76 7C 9B B0 AD 55F 62 24 18 B
AD 55 62 224 318 AB D4 41C FB D7 7C E9 B0 AD 55 62 224 318 AB D4
55 F62 224 318 AB D4 41C FB D7 67C E9 BB0 AD 55 F62 224 318 AB D4 41C

AD55F62224318ABD441CFBD767CE9BB0
F6 22 31 A D 41 F D 67 E9 BB A 55 F6 22 31 A D 41 FB
22 43 8A BD 44 CF BD 767 CE B 0A D5 F6 22 43 8A BD 44 CF D
24 18 B 4 1C B 76 C 9B B0 D 5F 22 24 18 B 44 1C B 76

*********************
31 AB D4 41 FB D7 7C E9 B AD 55 62 24 31 AB D4 1C FB D7 7C
8A D 41 CF D 67 E BB 0A 5 F6 22 31 8A D 41 F D 67 E
BD 44 CF BD 767 CE 9B 0A D5 5F 22 43 8A BD 44 CF BD 767 CE 9B
44 1CF BD 76 CE 9B B0A D5 5F 622 243 18A BD 44 1CF BD 767 CE 9B B0A

Compare and contrast Promissory Note, Bill of Exchange and a Cheque.

1C B 76 7C 9B B0 D 5F 62 24 18 B 44 1C B 76 C 9B B0 D
FB D7 7C E9 B AD 55 62 224 318 AB D4 1C FB D7 7C E9 B0 AD 55
D7 67C E9 BB 0A 55 F62 22 31 AB D4 41 FB D7 67C E9 BB AD 55 F62
67 E9 BB 0A D5 F6 22 431 8A D 41 CF D7 67 E9 BB 0A 55 F6 22
CE B 0A D5 5F 22 43 8A BD 44 CF BD 67 CE B 0A D5 F 22 43
9B B0 D 5F 622 243 18A BD 44 1C BD 76 CE 9B B0 D 5F 622 243 18A
B0 AD 55F 62 24 18 B 4 1C FB 76 7C 9B B0 AD 55F 62 24 18
AD 55 62 224 318 AB D4 41C FB D7 7C E9 B0 AD 55 62 224 318 AB
55 F62 224 318 AB D4 41C FB D7 67C E9 BB0 AD 55 F62 224 318 AB
Q.P. Code :27029

F6 22 31 A D 41 F D 67 E9 BB A 55 F6 22 31 A D
22 43 8A BD 44 CF BD 767 CE B 0A D5 F6 22 43 8A BD
24 18 B 4 1C B 76 C 9B B0 D 5F 22 24 18 B 4
31 AB D4 41 FB D7 7C E9 B AD 55 62 24 31 AB D4
8A D 41 CF D 67 E BB 0A 5 F6 22 31 8A D 41
of composition, appointment and removal of the directors of the Board, Chairman and other

BD 44 CF BD 767 CE 9B 0A D5 5F 22 43 8A BD 44
What is the difference between Holder and Holder in due Course? Discuss various rights and
Explain the provision of Reserve Bank of India Act 1934 relating to collection and furnishing
for a period of five years and nominates ‘B’ as his nominees who is not related to him. A dies

Explain the various types of crossing and their effects on a cheque as permitted under the N.I.

44 1CF BD 76 CE 9B B0A D5 5F 622 243 18A BD 44 1C

c) On 01.03.2015 a customer ‘A’ keeps a fixed deposits of Rs.50 lakhs in a bank in his own name

1C B 76 7C 9B B0 D 5F 62 24 18 B 44 1C
on 25.01.2017 and ‘B’ claims the deposits. ‘C’ the nephew of ‘A’ also claims the deposit under

Explain how the BR Act seeks to regulate managerial structural of banking company in matters

Explain the forms of business in which banking company may engage in under the provision of
i) What are the provisions under Banking Regulation Act 1949 regarding nomination for payment
iii) An income tax officer approaches the bank and requests to know the balance in the account of a
valuable customer. He informs the bank that this information is require to recover arrears of tax

FB D7 7C E9 B AD 55 62 224 318 AB D4 1C F
D7 67C E9 BB 0A 55 F62 22 31 AB D4 41 FB
48

67 E9 BB 0A D5 F6 22 431 8A D 41 CF
CE B 0A D5 5F 22 43 8A BD 44 CF BD
9B B0 D 5F 622 243 18A BD 44 1C BD
B0 AD 55F 62 24 18 B 4 1C FB 7
AD 55 62 224 318 AB D4 41C FB D7
55 F62 22 31 AB D4 41C FB D7 67
4D AE 0E2 2D3 1E8 808 5E4 2F2 31F FFB 453
A 0E D 1E 0 5E 2F 31 F 45 C
AE E0E 2D3 31E 808 85E4 42F 231 FFB B45 3CDDC4
2 8 5 2 F 3 4
E0 0E2DD31 1E80 085 E42 2F23 31F FB4 453C CDC C44 DA
E2 3 E8 85 E4 F2 1F FB 53 D 44 DA E0
0E D 1E 08 E 2F 31 FB 45 CD C4 D E E2
3 4 2 0

Q.3
Q.2
Q.1
E2 2D3 1E8 8085 5E4 2F2 31F FFB 453 3CD C44 4DAAE0 E2DD31
D3 1E 08 E4 2F2 31 FB 45 CD C4 D E0 E2 31 E8
2D 1E 80 5E 2F 3 FF 4 3C C 4D AE E D3 E 08
8 1 5 2 8
D3 31E 808 5E4 42F2 231 FFB B45 3CDDC4 44D AE0 0E2 D31 1E8 085 5E42
8 5 F 3

60467
1E 08 E 2F 31 FB 45 CD C4 4D AE E2 D3 E8 085 E4 F2
31 80 5E 42 23 FF 4 3C C 4 A 0E D 1E 08 E 2F 31
E 8 4 F2 1 B 5 D 4 D E0 2 31 8 5 42 2 F
E8 8085 5E4 2F2 31F FFB 453 3CD C44 4DAAE0 E2DD31 E80 085E E42 F23 31FF FB4
0 2 3 4 C C E E F 1 5
80 85E E42F F23 1FF FB4 53C DC 44DDAE E0E 2D3 31E 808 85E4 42F 231 FFB B45 3CD
85 42 23 1F B4 53 DC 44 A 0E 2D 1E 80 5E 2F 23 FF 4 3C C
E4 F2 1F FB 53 CD 4 DA E0 2 31 8 85 42 2 1F B4 53 D 44 N.B:

b) DRT
a) SEBI
2F 31 FB 45 CD C4 4D E E2 D3 E8 085 E4 F2 31F FB 53 CD C4 DA
23 FF 4 3C C 4D AE 0E D 1E 08 E 2F 31 FB 45 CD C4 4D E
1F B4 53 D 44 A 0 2D 31 80 5E 42 23 FF 4 3C C 4D AE 0E
FB 53 CD C4 DA E0 E2 31 E8 85 42 F2 1F B4 53 D 44 A 0 2D
45 CD C4 4D E E2 D3 E8 085 E4 F2 31F FB 53 CD C44 DA E0 E2D 31
3C C 4D AE 0E D 1E 08 E4 2F 31 FB 45 CD C4 D E E2 3 E8

instruments:
DC 44 A 0E 2D 31E 80 5E 2F 231 FF 45 3C C 4D AE 0E D3 1E 08
44 DA E0E 2D 31E 80 85E 42F 231 FF B45 3C DC 44D AE 0E 2D3 1E 808 5E4

Short notes (any four)

DA E0 2D 31 80 85 42 23 F B4 3C DC 44 A 0E 2D 1E 80 5E 2F

Switzerland.
E0 E2D 31 E80 85 E42 F23 1F FB4 53C DC 44 DA E0E 2D 31E 80 85E 42F 231

i) Promissory Note
E2 3 E8 85 E4 F2 1F FB 53 D 44 DA E0 2D 31 80 85E 42 23 FF

ii) Bill of Exchange

D3 1E 08 E4 2F2 31 FB 45 CD C4 D E0 E2 31 E8 85 42 F2 1F B
1E 808 5E 2F 31 FFB 45 3CD C4 4D AE E2 D3 E8 085 E4 F2 31F FB 453
80 5E 42F 23 FF 4 3C C 4D AE 0E D3 1E 08 E4 2F 31 FB 45 CD

to the banking business?

85 42 23 1F B4 53 DC 44 A 0E 2D 1E 80 5E 2F 23 FF 4 3C C

conditions. Give reasons.

Answer in one or two sentences.

E4 F2 1F FB 53 CD 4 DA E0 2 31 8 85 42 2 1F B4 53 D 44
b) What is truncated cheque?
a) Define a Bill of Exchange.

Attempt any two of the following:

2F 31 FB 45 CD C4 4D E E2 D3 E8 085 E4 F2 31F FB 53 CD C4 DA
23 FF 4 3C C 4D AE 0E D 1E 08 E 2F 31 FB 45 CD C4 4D E

c) Inchoate stamped instrument

1F B4 53 D 44 A 0 2D 31 80 5E 42 23 FF 4 3C C 4D AE 0E
FB 53 CD C4 DA E0 E2 31 E8 85 42 F2 1F B4 53 D 44 A 0 2D
45 CD C4 4D E E2 D3 E8 085 E4 F2 31F FB 53 CD C44 DA E0 E2D 31
3C C 4D AE 0E D 1E 08 E4 2F 31 FB 45 CD C4 D E E2 3 E8
DC 44 A 0E 2D 31E 80 5E 2F 231 FF 45 3C C 4D AE 0E D3 1E 08

f) Different types of crossing cheques

d) What is Negotiation under N.I. Act?
e) What are cheques specially crossed?

44 DA E0E 2D 31E 80 85E 42F 231 FF B45 3C DC 44D AE 0E 2D3 1E 808 5E4
DA E0 2D 31 80 85 42 23 F B4 3C DC 44 A 0E 2D 1E 80 5E 2F immovable property under B.R. Act?
E0 E2D 31 E80 85 E42 F23 1F FB4 53C DC 44 DA E0E 2D 31E 80 85E 42F 231
E2 3 E8 85 E4 F2 1F FB 53 D 44 DA E0 2D 31 80 85E 42 23 FF

e) Presumption as to negotiable Instruments

1. All questions are compulsory.

d) Assets and Liabilities of Issue Department

D3 1E 08 E4 2F2 31 FB 45 CD C4 D E0 E2 31 E8 85 42 F2 1F B
1E 808 5E 2F 31 FFB 45 3CD C4 4D AE E2 D3 E8 085 E4 F2 31F FB 453
80 5E 42F 23 FF 4 3C C 4D AE 0E D3 1E 08 E4 2F 31 FB 45 CD
85 42 23 1F B4 53 DC 44 A 0E 2D 1E 80 5E 2F 23 FF 4 3C C

Page 1 of 4
E4 F2 1F FB 53 CD 4 DA E0 2 31 8 85 42 2 1F B4 53 D 44
c) Who is a "holder in due course" under N.I. Act?
[Time: 3 Hours]

2F 31 FB 45 CD C4 4D E E2 D3 E8 085 E4 F2 31F FB 53 CD C4 DA
23 FF 4 3C C 4D AE 0E D 1E 08 E 2F 31 FB 45 CD C4 4D E
2. Figures to the right indicate full marks.

1F B4 53 D 44 A 0 2D 31 80 5E 42 23 FF 4 3C C 4D AE 0E

a) Draft the format of the following (Assume the facts)

FB 53 CD C4 DA E0 E2 31 E8 85 42 F2 1F B4 53 D 44 A 0 2D
45 CD C4 4D E E2 D3 E8 085 E4 F2 31F FB 53 CD C44 DA E0 E2D 31
h) What are the assets of the issue department of the RBI?

3C C 4D AE 0E D 1E 08 E4 2F 31 FB 45 CD C4 D E E2 3 E8
i) What is contained in the third schedule of the RBI Act?

DC 44 A 0E 2D 31E 80 5E 2F 231 FF 45 3C C 4D AE 0E D3 1E 08

CDC44DAE0E2D31E8085E42F231FFB453
44 DA E0E 2D 31E 80 85E 42F 231 FF B45 3C DC 44D AE 0E 2D3 1E 808 5E4
DA E0 2D 31 80 85 42 23 F B4 3C DC 44 A 0E 2D 1E 80 5E 2F
E0 E2D 31 E80 85 E42 F23 1F FB4 53C DC 44 DA E0E 2D 31E 80 85E 42F 231
E2 3 E8 85 E4 F2 1F FB 53 D 44 DA E0 2D 31 80 85E 42 23 FF
D3 1E 08 E4 2F2 31 FB 45 CD C4 D E0 E2 31 E8 85 42 F2 1F B
1E 808 5E 2F 31 FFB 45 3CD C4 4D AE E2 D3 E8 085 E4 F2 31F FB 453
j) Define "Bankers' Book" under The Banker's Books Evidence Act?

80 5E 42F 23 FF 4 3C C 4D AE 0E D3 1E 08 E4 2F 31 FB 45 CD
85 42 23 1F B4 53 DC 44 A 0E 2D 1E 80 5E 2F 23 FF 4 3C C
Please check whether you have got the right question paper.

E4 F2 1F FB 53 CD 4 DA E0 2 31 8 85 42 2 1F B4 53 D 44
2F 31 FB 45 CD C4 4D E E2 D3 E8 085 E4 F2 31F FB 53 CD C4 DA
23 FF 4 3C C 4D AE 0E D 1E 08 E 2F 31 FB 45 CD C4 4D E

i) A cheque is dated 01.03.2018 and presented for payment on 25.02.18.

1F B4 53 D 44 A 0 2D 31 80 5E 42 23 FF 4 3C C 4D AE 0E
FB 53 CD C4 DA E0 E2 31 E8 85 42 F2 1F B4 53 D 44 A 0 2D
45 CD C4 4D E E2 D3 E8 085 E4 F2 31F FB 53 CD C44 DA E0 E2D 31
3C C 4D AE 0E D 1E 08 E4 2F 31 FB 45 CD C4 D E E2 3

ii) A cheque is dated 01.03.201 and presented as for payment on 01.07.2018.

DC 44 A 0E 2D 31E 80 5E 2F 231 FF 45 3C C 4D AE 0E D3 1E
f) What is the period and extended period for which a banking company can hold
Paper / Subject Code: 35807 / Banking Laws & Negotiable Instruments Act.

44 DA E0E 2D 31E 80 85E 42F 231 FF B45 3C DC 44D AE 0E 2D3 1E

DA E0 2D 31 80 85 42 23 F B4 3C DC 44 A 0E 2D 1E 8

iii) A Bill drawn in Mumbai on a merchant in Karnataka and accepted payable in

c) Whether the Bank is justified in refusing the payment of a cheque in the following
E0 E2D 31 E80 85 E42 F23 1F FB4 53C DC 44 DA E0E 2D 31E 80
E2 3 E8 85 E4 F2 1F FB 53 D 44 DA E0 2D 31 80 8

b) State with reason whether the following instruments are inland instruments or foreign
D3 1E 08 E4 2F2 31 FB 45 CD C4 D E0 E2 31 E8 85

ii) A Bill drawn in Mumbai on a merchant in Karnataka but endorsed in Switzerland.

i) A Bill drawn in Dubai upon a merchant in Florida and accepted payable in Florida.
g) Name any two forms of business which a banking company may undertake in addition

1E 808 5E 2F 31 FFB 45 3CD C4 4D AE E2 D3 E8 085

80 5E 42F 23 FF 4 3C C 4D AE 0E D3 1E 08 E
85 42 23 1F B4 53 DC 44 A 0E 2D 1E 80 5E
E4 F2 1F FB 53 CD 4 DA E0 2 31 8 85 42
2F 31 FB 45 CD C4 4D E E2 D3 E8 085 E4
(12)
(20)
(20)
[ Marks:100]

23 FF 4 3C C 4D AE 0E D 1E 08 E 2F
1F B4 53 D 44 A 0 2D 31 80 5E 42
FB 53 CD C4 DA E0 E2 31 E8 85 42 F2
45 CD C4 4D E E2 D3 E8 085 E4 F2
3C C 4D AE 0E D 1E 08 E4 2F 31
DC 44 A 0E 2D 31E 80 5E 2F 231
44 DA E0E 2D 31E 80 85E 42F 23 F
4D AE 0E2 2D3 1E8 808 5E4 2F2 31F FFB 453
A 0E D 1E 0 5E 2F 31 F 45 C
AE E0E 2D3 31E 808 85E4 42F 231 FFB B45 3CDDC4
2 8 5 2 F 3 4
E0 0E2DD31 1E80 085 E42 2F23 31F FB4 453C CDC C44 DA
E2 3 E8 85 E4 F2 1F FB 53 D 44 DA E0
0E D 1E 08 E 2F 31 FB 45 CD C4 D E E2
3 4 2 0

Q.4
E2 2D3 1E8 8085 5E4 2F2 31F FFB 453 3CD C44 4DAAE0 E2DD31
D3 1E 08 E4 2F2 31 FB 45 CD C4 D E0 E2 31 E8
2D 1E 80 5E 2F 3 FF 4 3C C 4D AE E D3 E 08
8 1 5 2 8
D3 31E 808 5E4 42F2 231 FFB B45 3CDDC4 44D AE0 0E2 D31 1E8 085 5E42
8 5 F 3

60467
1E 08 E 2F 31 FB 45 CD C4 4D AE E2 D3 E8 085 E4 F2
31 80 5E 42 23 FF 4 3C C 4 A 0E D 1E 08 E 2F 31
E 8 4 F2 1 B 5 D 4 D E0 2 31 8 5 42 2 F
E8 8085 5E4 2F2 31F FFB 453 3CD C44 4DAAE0 E2DD31 E80 085E E42 F23 31FF FB4
0 2 3 4 C C E E F 1 5
80 85E E42F F23 1FF FB4 53C DC 44DDAE E0E 2D3 31E 808 85E4 42F 231 FFB B45 3CD
85 42 23 1F B4 53 DC 44 A 0E 2D 1E 80 5E 2F 23 FF 4 3C C
E4 F2 1F FB 53 CD 4 DA E0 2 31 8 85 42 2 1F B4 53 D 44
2F 31 FB 45 CD C4 4D E E2 D3 E8 085 E4 F2 31F FB 53 CD C4 DA
23 FF 4 3C C 4D AE 0E D 1E 08 E 2F 31 FB 45 CD C4 4D E
1F B4 53 D 44 A 0 2D 31 80 5E 42 23 FF 4 3C C 4D AE 0E
FB 53 CD C4 DA E0 E2 31 E8 85 42 F2 1F B4 53 D 44 A 0 2D
45 CD C4 4D E E2 D3 E8 085 E4 F2 31F FB 53 CD C44 DA E0 E2D 31
3C C 4D AE 0E D 1E 08 E4 2F 31 FB 45 CD C4 D E E2 3 E8
DC 44 A 0E 2D 31E 80 5E 2F 231 FF 45 3C C 4D AE 0E D3 1E 08
44 DA E0E 2D 31E 80 85E 42F 231 FF B45 3C DC 44D AE 0E 2D3 1E 808 5E4
DA E0 2D 31 80 85 42 23 F B4 3C DC 44 A 0E 2D 1E 80 5E 2F
E0 E2D 31 E80 85 E42 F23 1F FB4 53C DC 44 DA E0E 2D 31E 80 85E 42F 231
E2 3 E8 85 E4 F2 1F FB 53 D 44 DA E0 2D 31 80 85E 42 23 FF
D3 1E 08 E4 2F2 31 FB 45 CD C4 D E0 E2 31 E8 85 42 F2 1F B
1E 808 5E 2F 31 FFB 45 3CD C4 4D AE E2 D3 E8 085 E4 F2 31F FB 453
80 5E 42F 23 FF 4 3C C 4D AE 0E D3 1E 08 E4 2F 31 FB 45 CD
figures Rs.50,000/-.

85 42 23 1F B4 53 DC 44 A 0E 2D 1E 80 5E 2F 23 FF 4 3C C
E4 F2 1F FB 53 CD 4 DA E0 2 31 8 85 42 2 1F B4 53 D 44
Answer the following (Any four)

2F 31 FB 45 CD C4 4D E E2 D3 E8 085 E4 F2 31F FB 53 CD C4 DA
23 FF 4 3C C 4D AE 0E D 1E 08 E 2F 31 FB 45 CD C4 4D E
1F B4 53 D 44 A 0 2D 31 80 5E 42 23 FF 4 3C C 4D AE 0E
FB 53 CD C4 DA E0 E2 31 E8 85 42 F2 1F B4 53 D 44 A 0 2D
45 CD C4 4D E E2 D3 E8 085 E4 F2 31F FB 53 CD C44 DA E0 E2D 31
3C C 4D AE 0E D 1E 08 E4 2F 31 FB 45 CD C4 D E E2 3 E8
DC 44 A 0E 2D 31E 80 5E 2F 231 FF 45 3C C 4D AE 0E D3 1E 08
e) Crossing of cheques under N.1. Act.

44 DA E0E 2D 31E 80 85E 42F 231 FF B45 3C DC 44D AE 0E 2D3 1E 808 5E4
DA E0 2D 31 80 85 42 23 F B4 3C DC 44 A 0E 2D 1E 80 5E 2F
E0 E2D 31 E80 85 E42 F23 1F FB4 53C DC 44 DA E0E 2D 31E 80 85E 42F 231
filing a case for Dishonour of a Cheque.

E2 3 E8 85 E4 F2 1F FB 53 D 44 DA E0 2D 31 80 85E 42 23 FF
D3 1E 08 E4 2F2 31 FB 45 CD C4 D E0 E2 31 E8 85 42 F2 1F B
1E 808 5E 2F 31 FFB 45 3CD C4 4D AE E2 D3 E8 085 E4 F2 31F FB 453
**********
80 5E 42F 23 FF 4 3C C 4D AE 0E D3 1E 08 E4 2F 31 FB 45 CD
85 42 23 1F B4 53 DC 44 A 0E 2D 1E 80 5E 2F 23 FF 4 3C C

Page 2 of 4
E4 F2 1F FB 53 CD 4 DA E0 2 31 8 85 42 2 1F B4 53 D 44
2F 31 FB 45 CD C4 4D E E2 D3 E8 085 E4 F2 31F FB 53 CD C4 DA
23 FF 4 3C C 4D AE 0E D 1E 08 E 2F 31 FB 45 CD C4 4D E
1F B4 53 D 44 A 0 2D 31 80 5E 42 23 FF 4 3C C 4D AE 0E
FB 53 CD C4 DA E0 E2 31 E8 85 42 F2 1F B4 53 D 44 A 0 2D
provisions of Banking Regulations Act 1949 (Sec 6).

45 CD C4 4D E E2 D3 E8 085 E4 F2 31F FB 53 CD C44 DA E0 E2D 31

3C C 4D AE 0E D 1E 08 E4 2F 31 FB 45 CD C4 D E E2 3 E8
DC 44 A 0E 2D 31E 80 5E 2F 231 FF 45 3C C 4D AE 0E D3 1E 08

CDC44DAE0E2D31E8085E42F231FFB453
44 DA E0E 2D 31E 80 85E 42F 231 FF B45 3C DC 44D AE 0E 2D3 1E 808 5E4
DA E0 2D 31 80 85 42 23 F B4 3C DC 44 A 0E 2D 1E 80 5E 2F
E0 E2D 31 E80 85 E42 F23 1F FB4 53C DC 44 DA E0E 2D 31E 80 85E 42F 231
E2 3 E8 85 E4 F2 1F FB 53 D 44 DA E0 2D 31 80 85E 42 23 FF
D3 1E 08 E4 2F2 31 FB 45 CD C4 D E0 E2 31 E8 85 42 F2 1F B
1E 808 5E 2F 31 FFB 45 3CD C4 4D AE E2 D3 E8 085 E4 F2 31F FB 453
80 5E 42F 23 FF 4 3C C 4D AE 0E D3 1E 08 E4 2F 31 FB 45 CD
85 42 23 1F B4 53 DC 44 A 0E 2D 1E 80 5E 2F 23 FF 4 3C C
f) Composition, Management of Central Bank and local Boards of RBI.

E4 F2 1F FB 53 CD 4 DA E0 2 31 8 85 42 2 1F B4 53 D 44
2F 31 FB 45 CD C4 4D E E2 D3 E8 085 E4 F2 31F FB 53 CD C4 DA
a) Compare and contrast Promissory Note, Bill of Exchange and Cheque.

23 FF 4 3C C 4D AE 0E D 1E 08 E 2F 31 FB 45 CD C4 4D E
1F B4 53 D 44 A 0 2D 31 80 5E 42 23 FF 4 3C C 4D AE 0E
FB 53 CD C4 DA E0 E2 31 E8 85 42 F2 1F B4 53 D 44 A 0 2D
45 CD C4 4D E E2 D3 E8 085 E4 F2 31F FB 53 CD C44 DA E0 E2D 31
3C C 4D AE 0E D 1E 08 E4 2F 31 FB 45 CD C4 D E E2 3
DC 44 A 0E 2D 31E 80 5E 2F 231 FF 45 3C C 4D AE 0E D3 1E
Paper / Subject Code: 35807 / Banking Laws & Negotiable Instruments Act.

44 DA E0E 2D 31E 80 85E 42F 231 FF B45 3C DC 44D AE 0E 2D3 1E

DA E0 2D 31 80 85 42 23 F B4 3C DC 44 A 0E 2D 1E 8
iii) The amount of the cheque written in words as Rs. Five lakhs only whereas in

E0 E2D 31 E80 85 E42 F23 1F FB4 53C DC 44 DA E0E 2D 31E 80

E2 3 E8 85 E4 F2 1F FB 53 D 44 DA E0 2D 31 80 8
d) Explain the forms of business in which a Banking Company may engage in under the

D3 1E 08 E4 2F2 31 FB 45 CD C4 D E0 E2 31 E8 85
c) Discuss various Powers and Functions of the RBI under Sec 17 and 19 of the RBI Act.
b) Discuss the provisions under Sec. 138 of the N.I. Act. With regard to the procedure for

1E 808 5E 2F 31 FFB 45 3CD C4 4D AE E2 D3 E8 085

80 5E 42F 23 FF 4 3C C 4D AE 0E D3 1E 08 E
85 42 23 1F B4 53 DC 44 A 0E 2D 1E 80 5E
E4 F2 1F FB 53 CD 4 DA E0 2 31 8 85 42
2F 31 FB 45 CD C4 4D E E2 D3 E8 085 E4
(48)

23 FF 4 3C C 4D AE 0E D 1E 08 E 2F
1F B4 53 D 44 A 0 2D 31 80 5E 42
FB 53 CD C4 DA E0 E2 31 E8 85 42 F2
45 CD C4 4D E E2 D3 E8 085 E4 F2
3C C 4D AE 0E D 1E 08 E4 2F 31
DC 44 A 0E 2D 31E 80 5E 2F 231
44 DA E0E 2D 31E 80 85E 42F 23 F