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Banking Law and Practice (Sem 5, BBA Karnataka Univ)

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Indian banking, both commercial and central banking have undergone sea change, ever since they were established. Commercial banks were only serving affluent class to start with. Gradually it changed its perception and started looking at other sections of the society. Change started taking place by introducing the concept of socialisation in commercial banks. Nationalisation was the next step to reach the weaker sections of the society. As it did not reach the expected level, revolutionary step as that of “Financial inclusion” took place to extend banking facility to the last person of the country.

Several for reaching structural and policy changes took place in Reserve Bank of India, the central bank of the country, to make banking user savy.

On the operational side, information technology solutions were introduced beyond imagination relegating traditional banking to the back. Whole banking sector of the country is revolutionised after 2014. The proposal to establish “Bad Bank” to wash out NPAs and introduction of “Digital rupee” to smoothen the payment system are the latest developments in Indian banking.

In this backdrop, universities of Karnataka have prescribed “Banking Law and Practice” syllabus for B.Com fifth semester, covering both theory and operations. The topics include origin of banking, Reserve Bank of India, commercial banking types and operations, banking legislations related customer relationship, banking products, Negotiable instruments and recent developments. Such a vast subject is compressed to be taught in one semester.

Contents –

1. Banker and Customer Relationship – (General Relationship)
2. Banker and Customer Relationship – II (Special Relationship)
3. Customers and Account Holders
4. Collecting Banker
5. Paying Banker
6. Negotiable Instruments – I
7. Negotiable Instruments – II (Cheque)
8. Endorsement
9. Lending Banker – I
10. Lending Banker – II (Methods of Creation of Charges)
11. Lending Banker – III (Secured Advances)
12. Lending Banker – IV (Unsecured Creditors/Non-Fund Based Credit Facility)
13. Lending Banker – V (Other Advances)
14. Banking Products
15. Non-Performing Assets (NPAs)
16. Innovations in Banking

ISBN

Year of publication

2024

Edition

Pages

Book Code

Student Dollar Price

12

Type

Author

Madhu S.,

Prof. H.A. Bhaskar,

Prof. H.R. Appannaiah

Publisher

Himalaya pub

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