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UNIT-I

INTRODUCTION

Origin and Growth of Banking in India – Unit Vs Branch Banking – Functions of Commercial Banks– Nationalization of Commercial Banks in India – Emerging Trends in Commercial Banking in India:E-Banking – Mobile Banking – Core Banking – Bank Assurance – OMBUDSMAN.

UNIT-II

Reserve Bank of India

RBI Constitution – Organizational Structure – Management – Objectives – Functions – Monetary Policy.

UNIT-III

Types of Banks

District Co-Operative Central Banks – Contemporary Banks – Regional Rural Banks – National Bank for Agriculture and Rural Development (NABARD) – SIDBI – Development Banks.

UNIT-IV

Banker and Customer Relationship

Definition of Banker and Customer – Relationship Between Banker and Customer – KYC Norms –General and Special Features of Relationship – Opening of Accounts – Special Types of Customers Like Minor, Married Women, Partnership Firms, Companies, Clubs and other Non-Trading Institutions.

UNIT-V

Negotiable Instruments

Descriptions and their Special Features – Duties and Responsibilities of Paying and Collecting Banker– Circumstances under which a Banker can Refuse Payment of Cheques – Consequences of Wrongful Dishonours – Precautions to be taken while Advancing Loans Against Securities – Goods – Documents of Title to Goods – Loans against Real Estate -Insurance Policies – Against Collateral Securities –Banking Receipts. Rule in Clayton’s Case – Garnishee Order – Loans against Equitable Mortgage – Legal Mortgage –Distinction between them – Latest Trends in Deposit Mobilization.