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The main learning outcome of this course is to provide the student an understanding of legal and regulatory aspects of banking.
Course Contents:
Unit 1: Regulatory Framework and Compliances
Provisions of RBI Act 1935, Banking Regulation Act 1949, Prevention of Money Laundering Act, 2002,
Government and RBI’s Powers Opening of New Banks and Branch Licensing
Unit 2: Legal Aspects of Banking Operations
Case Laws on Responsibility of Paying and Collecting Banker Indemnities or Guarantees - Scope and
Application – Obligations of a Banker - Precautions and Rights - Laws relating to Bill Finance, LC and
Deferred Payments - Laws Relating to Securities - Valuation of Securities - Modes of Charging
Securities-Lien, Pledge, Mortgage, Hypothecation etc.-Registration of Firms/Companies - Creation of
Charge and Satisfaction of Charge.
Unit 3: Loans and Advances
Law, Practice and Policies governing the employment of the funds in the hands of the banker with
special reference to the lending banker State Policy on Loans and Advances - Priority sector advances
and socioeconomic policies - Financial inclusion - Self- Employment Schemes - Women Entrepreneurs
- Small Scale Industries - Agricultural Finance, Export Finance, etc. – Micro Finance - How the banker
profitably uses the fund - Call loans and loans repayable at short notice - Loans and advances -
Overdrafts - Legal control over bank’s deployment of funds.
Unit 4: Securities for Banker’s Loans
The legal issues involved in and the practice governing different kinds of securities for banker’s
advances and loans Guarantees, pledge, lien, mortgage, charge – subject matters of collateral security
Corporate Securities Documents of title to goods Land and Buildings Book debts Life Policies
Factoring; Bill Discounting; Bank Guarantees; Letters of Credit; Commercial Papers.
Unit 5: Electronic Banking and IT in Banks
Introduction, IT Applications in Banking- Computer-Based Information Systems for Banking;
Electronic Banking; Electronic Fund Management, Enabling Technologies of Modern BankingElectronic Commerce and Banking; Supply Chain Management; Customer Relationship Management;
Integrated Communication Networks for Banks Security and Control Systems - Cybercrimes and fraud
management Planning and Implementation of Information Systems
Books Recommended:
1. Hajols. T. N (2009), “Money and Banking”, Gopaljee Enterprises.
2. Muraleedharan, D (2009), “Modern Banking: Theory and Practice”, PHI Learning Pvt.
Ltd.
3. Rajesh, R, Sivagnanansithi, T (2009), “Banking Theory: Law and Practice”, Tata
McGraw Hill Publishing Company Ltd.
4. Shekhar, K C (2009), “Banking Theory and Practice”, Vikas Publishing House Pvt. Ltd.
Doubt Clearing Class
Doubt Clearing Class
Doubt Clearing Class
My qualification is M.Com,LL.B,MBA,CAIIB(certified Indian Institute of Bankers). I started my career as a Lecturer in commerce (UGC PAY),appointed by DPI (HE) Odisha in 1978.I opted for Probationary officer in 1982.I started my career as a national Faculty of NIIT in 2012 imparting training to Bank officers PAN India both Retail and Corporate. I joined […]
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