Banking Law & Practice 2025

Unit – I Introduction to Banking:
History of Banking- Provisions of Banking Regulations Act 1949 – Components of Indian Banking – Indian Banking System-Phases of Development – Banking Structure in India ? Public Sector Banks, Private Banks, Foreign Banks, RRB, UCB, Payment Banks and Small Finance Banks – Banking System ? Branch Banking- Unit Banking – Universal Banking- Financial Inclusion.
Unit – II Central Bank and Commercial Bank
Central Banking: Definition ?Need – Principles- Central Banking Vs Commercial Banking – Functions of Central Bank ? Credit Creation. Commercial Banking: Definition – Functions ? Personal Banking ? Corporate Banking ? Digital banking ? Core Banking System (CBS) – Role of Banks in Economic Development.
Unit – III Banking Practice Types of Accounts CASA? Types of Deposits – Opening Bank Account- Jan Dhan Yojana – Account Statement vs Passbook vs e-statement – Banker Customer Relationship – Special Types of Customers ?KYC norms. Loans & Advances ?Lending Sources- Lending Principles-Types of Loans – classification of assets and income recognition/ provisioning (NPA)?RepoRate&ReverseRepoRate-securitiesoflending-Factors influencing bank lending.
Unit IV Negotiable Instruments Act Negotiable Instruments ? Meaning & Definition ? Characteristics -Types of negotiable instruments. Crossing of Cheques? Concept – Objectives ? Types of Crossing – – Consequences of Non-Crossing. Endorsement- Meaning-Components-Kinds of Endorsements-Cheques payable to fictitious person Endorsement by legal representative ? Negotiation bank-Effect of endorsement-Rules regarding Endorsement. Paying banker – Banker?s duty – Dishonouring of Cheques- Discharge by paying banks – Payments of a crossed cheque – Refusal of cheques Payment. Duties of Collecting Banker- Statutory protection under section131-Collecting bankers?duty ?RBI instruction ?Paying Banker Vs Collecting Banker- Customer Grievances-Grievance Redressal ? Banking Ombudsman.
Unit V Digital Banking Meaning- Services – e-banking and financial services- Initiatives- Opportunities – Internet banking Vs Traditional Banking Mobile banking?Anywhere Banking-Any Time Banking- Electronic MobileWallets.ATM?Concept-Features-Types-.Electronic money- Meaning-Categories-Merits of e-money – National Electronic Funds ransfer (NEFT), RTGS, IMPS, UPI and Digital currency?Differences -Safety and SecurityinDigital Banking.