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Banking Innovations (Sem 2, Bangalore 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, Bangalore University has prescribed the “Banking Innovations” syllabus for B.Com second 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. However, all care is taken to present all essential aspects in a simple and understandable style.


Contents –

Module 1: Banking System in India
1. Banking System in India
Module 2: Banker and Customer Relationship
2. Banker and Customer Relationship – I (General Relationship)
3. Banker and Customer Relationship – II (Special Relationship)
4. Collecting Banker
5. Paying Banker
6. Lending Banker – I
7. Lending Banker – II (Methods of Creation of Charges)
8. Lending Banker – III (Secured Advances)
9. Lending Banker – IV (Unsecured Creditors/ Non-Fund Based Credit Facility)
10. Lending Banker – V (Other Advances)
11. Banking Ombudsman
Module 3: Banking Products
12. Banking Products
13. Negotiable Instruments – I (Endorsements)
14. Negotiable Instruments – II (Cheque)
Module 4: Innovations in Banking
15. Innovations in Banking
Module 5: Technologies used in Banking
16. Technologies used in Banking


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Year of publication






H.A. Bhaskara,

Madhu S.,

Prof. H.R. Appannaiah


Himalaya pub