DEPARTMENT - SCHOOL OF BUSINESS STUDIES AND SOCIAL SCIENCES

Course Pack FOR BANKING AND INSURANCE-BBH461

BBH461 - BANKING AND INSURANCE

Total Teaching Hours For Semester : 55 Total Teaching Hours For Semester : 4
Max Marks : 100 Credits : 3
Course Objectives/Course Description:
To familiarize the students about the Banking operations and the keen competition in the banking systems and to make students understand the importance of insurance
and the basic concepts of insurance. The Course covers important rules and regulations, principles and amp; techniques of Banking and amp; Insurance discipline.

Learning Outcome

Students will be able to have a thorough understanding about Banking and amp; Insurance business.
Unit-1 Teaching Hours:6

Introduction to Banking
Meaning Features and Mechanism of E-Banking and amp; Internet Banking, Mobile Banking and amp; Telephone
Banking, ATM and amp; Electronic Money (Credit Cards) ,Electronic Funds Transfer System and amp; INFINET
Modern Banking Services. ITES and the worldwide banking sector
Unit-2 Teaching Hours:7

Relationship between Banker and Customer

General relationship, and ndash;Special relationship and ndash;Statutory Obligation to honor Cheque, Bankers lien
Bankers duty to maintain secrecy of Customer Accounts .Exemption from law of limitation, legal framework and
ndash; corporate banking, loan documentation
Unit-3 Teaching Hours:7

Paying Banker
Rules and amp; Regulations, Payments of cheques, Negotiable Instruments Crossing of cheques and amp;
Endorsements, Protection to Paying Banker.
Unit-4 Teaching Hours:6

Principles and Procedures of Bank Lending

Introduction of Funds, Principles of good lending, Types of advances, Security, Types and amp; charges Lien and
ndash;Pledge and ndash;Hypothecation and ndash;Mortgage Appraisal procedure and Documentation for corporate
credit.
Unit-5 Teaching Hours:7

Introduction to Insurance
Meaning and Importance of Insurance, Definition of risk and uncertainty; classification of risk; Sources of risk
external and Internal. Brief History of Insurance, Indian Contract Act, Special Feature of Insurance Contract Act,
Insurance Laws.
Unit-6 Teaching Hours:7

Life Insurance
Principles of life insurance. Contracts of Life Insurance: proposals and policy, assignment and nomination, title and
claims, Life insurance products, pensions and amp; Annuities
Unit-7 Teaching Hours:8

General insurance
Principles of general Insurance Personal general insurance products (Fire, personal liability, home owners, personal
motors, miscellaneous insurance) Terminology, persists, clauses and amp; covers .Risk assessment, Underwriting
and amp; ratemaking, product design, Development and amp; evaluation
Unit-8 Teaching Hours:7

Various Branches of General Insurance

Brief History and ndash;Fire and ndash;House owners and rsquo; insurance, Marine Engineering and
ndash;personal Motor Insurance aviation and ndash;Personal liability, agriculture miscellaneous insurance
Text Books And Reference Books:
Maheshwari, S.K. and amp;Maheshwari. S N. (2010). Law and amp; Practice of Banking. New Delhi Kalyani Publishers.Srinivasan, T.M.N. (2010). Principles of Insurance
Law. Nagpur: Lexis NexisButterworthsWadhwa.

Essential Reading / Recommended Reading:

Banking1) Gupta, S.N. (2010). Banking Law in Theory and amp; Practice (5thedition). New Delhi: Universal Law
Publishers2) Guruswamy, S. (2010). Banking theory, law and amp; practice (2nd edition). New Delhi: McGraw
hillhigher publication3) Srinivasan, T.M.N. (2010). Principles of Insurance Law. Nagpur: Lexis NexisButterworth
Wadhwa4) Tannan, M.L. (2010). Banking Law and amp; Practice in India. Nagpur: LexisNexis ButterworthWadhwa.
Insurance1) Kumar, G. (2013). Hand Book of Insurance Laws. Allahabad: Law publishers2) Narayanan, H. (2008).
Indian Insurance and ndash; A Profile (2ndedi).Mumbai: Jaico Publishing House.3) Singh, B.N. (2014). New
Insurance Law. Allahabad: Universal Law Agency.
Additional Information
CONTINUOUS INTERNAL ASSESSMENT CRITERIA

C I CIA and ndash; 2 CIA and ndash; 3 Attenda

nce
Aa n
d
ndash;
1
MSE 1 2 3 1 2 3
Marks a M a r k s M a r k s Marks and Marks and ndash; M a r k s a n d Marks and ndash; M a r k s
n a n d n d a n d n d ndash; 10 10 (5)* ndash; 10 (5)* 10 (5)* a n d
dash; ash; (5)* ndash;
ndash; 10 (5)* 10 (5)* (5)*
5 0
(25)*
Written Quiz / C a s e Presentation / Role C l a s s Research Based
Assignm Test Analysis/Ca P l a y / C a s e Participation / Activities: Article
ent s e presentation / Mini Quiz / Test Review / Book
Simulation P r o j e c t / review / Mastery
Discussion Project
*Percentage of weight ageQuestion Paper PatternMid Semester Question Paper

SECTION and ndash;

SECTION and ndash; A SECTION and ndash; B SECTION and ndash; C D

5 x 2 = 10 (out of 7 3 x 5 = 15 (out of 5 1 x 10 = 10 (out of 2 15 Marks (Case Study-

questions) questions) questions) Compulsory Question)
End Semester Question Paper

SECTION and ndash;

SECTION and ndash; A SECTION and ndash; B SECTION and ndash; C D

7 x 2 = 14 (out of 9 6 x 6 = 36 (out of 8 2 x 15 = 30 (out of 3 20 Marks (Case Study-

 questions) questions) questions) Compulsory Question)
Evaluation Pattern
CIA 1: 20 MarksCIA 2: 25 MarksCIA 3: 20 MArksAttendence:5 Marks

Course Plan
Class Name : 4BBAH A Subject Name : BANKING AND INSURANCE
Subject Code : BBH461 Teacher Name : V.DEEPA
No of
Planned Date Hours Unit Heading Details Method Reading/Ref

Meaning, Features and

Mechanism of E-
Banking and Internet
Banking, Mobile
Banking and Telephone
Banking, ATM and S.N.Maheswari and S.K. Maheswari, Law and
02/11/2017 Introduction to Electronic Lecture , PPT, Chalk Practice of Banking, Kalyani Publishers 2) E
1.00 Unit-1
04/11/2017 Banking Money (Credit Cards) and talk Gordon and Natarajan, Banking Law Theory and
,Electronic Funds Practice, Himalaya Publishing House
Transfer System and
INFINET, Modern
Banking Services. ITES
and the worldwide
banking sector
Meaning, Features and
Mechanism of E-
Banking and Internet
Banking, Mobile
Banking and Telephone
Banking, ATM and S.N.Maheswari and S.K. Maheswari, Law and
06/11/2017 Introduction to Electronic Lecture , PPT, Chalk Practice of Banking, Kalyani Publishers 2) E
3.00 Unit-1
11/11/2017 Banking Money (Credit Cards) and talk Gordon and Natarajan, Banking Law Theory and
,Electronic Funds Practice, Himalaya Publishing House
Transfer System and
INFINET, Modern
Banking Services. ITES
and the worldwide
banking sector
Meaning, Features and
Mechanism of E-
Banking and Internet
Banking, Mobile
Banking and Telephone
Banking, ATM and S.N.Maheswari and S.K. Maheswari, Law and
13/11/2017 Introduction to Electronic Lecture , PPT, Chalk Practice of Banking, Kalyani Publishers 2) E
4.00 Unit-1
18/11/2017 Banking Money (Credit Cards) and talk Gordon and Natarajan, Banking Law Theory and
,Electronic Funds Practice, Himalaya Publishing House
Transfer System and
INFINET, Modern
Banking Services. ITES
and the worldwide
banking sector
Introduction General
relationship, Special
relationship ?Statutory
Obligation to honor
Cheque, Bankers lien, S.N.Maheswari and S.K. Maheswari, Law and
Relationship Bankers duty to maintain Lecture , PPT, Chalk
20/11/2017 Practice of Banking, Kalyani Publishers 2) E
4.00 Unit-2 between Banker secrecy of Customer
25/11/2017 and talk Gordon and Natarajan, Banking Law Theory and
and Customer Accounts .Exemption Practice, Himalaya Publishing House
from law of limitation,
legal framework ?
corporate banking, loan
documentation

Introduction General
relationship, Special
relationship ?Statutory
Obligation to honor
Cheque, Bankers lien, S.N.Maheswari and S.K. Maheswari, Law and
Relationship Bankers duty to maintain Lecture , PPT, Chalk
27/11/2017 Practice of Banking, Kalyani Publishers 2) E
4.00 Unit-2 between Banker secrecy of Customer
02/12/2017 and talk Gordon and Natarajan, Banking Law Theory and
and Customer Accounts .Exemption Practice, Himalaya Publishing House
from law of limitation,
legal framework ?
corporate banking, loan
documentation
 Rules and Regulations,
Payments of cheque,
Negotiable Instruments, S.N.Maheswari and S.K. Maheswari, Law and
04/12/2017 Crossing of cheque and Lecture , PPT, Chalk Practice of Banking, Kalyani Publishers 2) E
4.00 Unit-3 Paying Banker
09/12/2017 Endorsements, and talk Gordon and Natarajan, Banking Law Theory and
Protection to Paying Practice, Himalaya Publishing House
Banker

11/12/2017 4.00 Unit-3 Paying Banker Rules and Regulations, Lecture , PPT, Chalk S.N.Maheswari and S.K. Maheswari, Law and

Payments of cheque,
Negotiable Instruments,
Crossing of cheque and Practice of Banking, Kalyani Publishers 2) E
16/12/2017 Endorsements, and talk Gordon and Natarajan, Banking Law Theory and
Protection to Paying Practice, Himalaya Publishing House
Banker

Introduction of Funds,
Principles of good
lending, Types of
advances, Security, S.N.Maheswari and S.K. Maheswari, Law and
Principles and Types and charges Lien Lecture , PPT, Chalk
18/12/2017 Practice of Banking, Kalyani Publishers 2) E
4.00 Unit-4 Procedures of Bank ?Pledge ?Hypothecation
23/12/2017 and talk Gordon and Natarajan, Banking Law Theory and
Lending ?Mortgage Appraisal Practice, Himalaya Publishing House
procedure and
Documentation for
corporate credit.

Introduction of Funds,
Principles of good
lending, Types of
advances, Security, S.N.Maheswari and S.K. Maheswari, Law and
Principles and Types and charges Lien Lecture , PPT, Chalk
01/01/2018 Practice of Banking, Kalyani Publishers 2) E
4.00 Unit-4 Procedures of Bank ?Pledge ?Hypothecation
06/01/2018 and talk Gordon and Natarajan, Banking Law Theory and
Lending ?Mortgage Appraisal Practice, Himalaya Publishing House
procedure and
Documentation for
corporate credit.

Introduction of Funds,
Principles of good
lending, Types of
advances, Security, S.N.Maheswari and S.K. Maheswari, Law and
Principles and Types and charges Lien Lecture , PPT, Chalk
08/01/2018 Practice of Banking, Kalyani Publishers 2) E
2.00 Unit-4 Procedures of Bank ?Pledge ?Hypothecation
13/01/2018 and talk Gordon and Natarajan, Banking Law Theory and
Lending ?Mortgage Appraisal Practice, Himalaya Publishing House
procedure and
Documentation for
corporate credit.

15/01/2018 Introduction to
20/01/2018 Unit-1 Banking MID SEMESTER EXAM

Meaning and
Importance of
Insurance, Definition of
risk and uncertainty;
classification of risk; S.N.Maheswari and S.K. Maheswari, Law and
22/01/2018 Introduction to Sources of risk - external Lecture , PPT, Chalk Practice of Banking, Kalyani Publishers 2) E
4.00 Unit-5
27/01/2018 Insurance and Internal. Brief and talk Gordon and Natarajan, Banking Law Theory and
History of Insurance, Practice, Himalaya Publishing House
Indian Contract Act,
Special Feature of
Insurance Contract Act,
Insurance Laws.
Meaning and
Importance of
Insurance, Definition of
risk and uncertainty;
classification of risk; S.N.Maheswari and S.K. Maheswari, Law and
29/01/2018 Introduction to Sources of risk - external Lecture , PPT, Chalk Practice of Banking, Kalyani Publishers 2) E
4.00 Unit-5
03/02/2018 Insurance and Internal. Brief and talk Gordon and Natarajan, Banking Law Theory and
History of Insurance, Practice, Himalaya Publishing House
Indian Contract Act,
Special Feature of
Insurance Contract Act,
Insurance Laws.
 Meaning and
Importance of
Insurance, Definition of
risk and uncertainty;
classification of risk;
Sources of risk - external
and Internal. Brief S.N.Maheswari and S.K. Maheswari, Law and
05/02/2018 Introduction to History of Insurance, Lecture , PPT, Chalk Practice of Banking, Kalyani Publishers 2) E
4.00 Unit-5
10/02/2018 Insurance Indian Contract Act, and talk Gordon and Natarajan, Banking Law Theory and
Special Feature of Practice, Himalaya Publishing House
Insurance Contract Act,
Insurance Laws
Principles of life
insurance. Contracts of
Life Insurance:
proposals and policy
Principles of life S.N.Maheswari and S.K. Maheswari, Law and
12/02/2018 insurance. Contracts of Lecture , PPT, Chalk Practice of Banking, Kalyani Publishers 2) E
4.00 Unit-6 Life Insurance Life Insurance: Gordon and Natarajan, Banking Law Theory and
17/02/2018 and talk
proposals and policy Practice, Himalaya Publishing House

Principles of general
Insurance Personal
general insurance
products (Fire, personal S.N.Maheswari and S.K. Maheswari, Law and
19/02/2018 liability, home owners, Lecture , PPT, Chalk Practice of Banking, Kalyani Publishers 2) E
4.00 Unit-7 General insurance
24/02/2018 personal motors, and talk Gordon and Natarajan, Banking Law Theory and
miscellaneous Practice, Himalaya Publishing House
insurance) Terminology,

persists, clauses and

covers .Risk
assessment,
Underwriting and
ratemaking, product
design, Development
and evaluation

Principles of general
Insurance Personal
general insurance
products (Fire, personal
liability, home owners,
personal motors,
miscellaneous S.N.Maheswari and S.K. Maheswari, Law and
26/02/2018 insurance) Terminology, Lecture , PPT, Chalk Practice of Banking, Kalyani Publishers 2) E
2.00 Unit-7 General insurance
03/03/2018 persists, clauses and and talk Gordon and Natarajan, Banking Law Theory and
covers .Risk Practice, Himalaya Publishing House
assessment,
Underwriting and
ratemaking, product
design, Development
and evaluation

History-Fire-House
owners- insurance,
Marine Engineering S.N.Maheswari and S.K. Maheswari, Law and
Various Branches personal Motor
05/03/2018 Lecture , PPT, Chalk Practice of Banking, Kalyani Publishers 2) E
4.00 Unit-8 of General Insurance aviation
10/03/2018 and talk Gordon and Natarajan, Banking Law Theory and
Insurance Personal liability, Practice, Himalaya Publishing House
agriculture
miscellaneous insurance

CIA 1 Component/Task 1
CIA Details

a) Group Written Assignment on public/private/new generation banks assigned by the Subject Teacher. It
contains…1. Origin and Profile2. Growth and Development3. Changing Dimensions of Banking
Services offered by the bank4. Unique Deposits schemes of the bank in detailUnique Loan schemes of
the Bank in detail b) Presentation of the topic given for assignment.
CIA Details will display form 15/11/2017
Learning Objective

Assignment Learning Objectives:Understanding the Banking sector- Products and services of

banks in detail Assessment Strategies aligned to LO:Application of knowledge through interaction
with industry. Reading and Practice Technology Tools used along with their Purpose: Online
resources from bankers websites / RBI updates.
Evaluation Rubrics

Criteria Inadequate Adequate Above average Exemplary

Organiza Writing lacks Writing is coherent and Writing is coherent Writing shows high
tion logical logically organized. Some and degree of attention to
organization. It points remain misplaced Logically organized logic and reasoning of
shows some and stray from the topic. with transitions used points. Unity clearly leads
coherence but Transitions evident but between ideas and the reader to the
ideas lack unity. not used throughout paragraphs to create conclusion and stirs
Serious errors. essay. coherence. Overall thought regarding the
unity of ideas is topic.
present.
Level of Shows some Content indicates thinking Content indicates Content indicates
content thinking and and reasoning applied original thinking synthesis of ideas, in
reasoning but with and develops depth
most ideas are original thought on a few ideas with analysis and evidences
underdeveloped ideas. sufficient and firm original
and evidence. thought and support for
unoriginal. the topic.
Develop Main points lack Main points are present Main points well Main points well
ment detailed with developed developed with high

development. limited detail and with quality quality and quantity

Ideas are development. supporting details support. Reveals high
vague with little Somecritical thinking is and quantity. degree of critical thinking.
evidence of present. Critical
critical thinking. thinking is weaved
into points
Style Mostly in Approaches college level Attains college level Shows outstanding style
elementary form usage of some variety in style; going beyond usual
with little or no sentence patterns, tone is appropriate college level; rhetorical
variety in diction, and rhetorical and devices and tone used
sentence devices. rhetorical devices effectively; creative use
structure, diction, used to enhance of sentence structure and
rhetorical devices content; coordination
or emphasis. sentence
variety used
effectively.
Format Fails to follow Meets format and Meets format and Meets all formal and
format and assignment assignment assignment
assignment requirements; generally requirements; requirements and
requirements; correct margins, spacing, margins, spacing, evidences attention to
incorrect margins, and and indentations are detail; all margins,
spacing and indentations; essay is correct; essay is spacing and
indentation; neat but neat and correctly indentations are correct;
neatness of may have some assembly assembled. essay is neat and
essayneeds errors. correctly assembled
attention. with professional look.

CIA 3 Component/Task 1
Learning Objective

Assignment Learning Objectives:Understanding the Insurance sector and Risk Assessment

Strategies aligned to LO:Application of knowledge through interaction with industry. Reading and
Practice. Technology Tools used along with their Purpose:Online Resources on Insurance Sector.
Evaluation Rubrics

Criteria Inadequate Adequate Above average Exemplary

 Organiza Writing lacks Writing is coherent and Writing is coherent Writing shows high
tion logical logically organized. Some and degree of attention to
organization. It points remain misplaced Logically organized logic and reasoning of
shows some and stray from the topic. with transitions used points. Unity clearly leads
coherence but Transitions evident but between ideas and the reader to the
ideas lack unity. not used throughout paragraphs to create conclusion and stirs
Serious errors. essay. coherence. Overall thought regarding the
unity of ideas is topic.
present.
Level of Shows some Content indicates thinking Content indicates Content indicates
content thinking and and reasoning applied original thinking synthesis of ideas, in
reasoning but with and develops depth
most ideas are original thought on a few ideas with analysis and evidences
underdeveloped ideas. sufficient and firm original
and evidence. thought and support for
unoriginal. the topic.
Develop Main points lack Main points are present Main points well Main points well
ment detailed with developed developed with high
development. limited detail and with quality quality and quantity
Ideas are development. Some supporting details support. Reveals high
vague with little critical thinking is and quantity. degree of critical thinking.
evidence of present. Critical
critical thinking. thinking is weaved
into points
Style Mostly in Approaches college level Attains college level Shows outstanding style
elementary form usage of some variety in style; going beyond usual
with little or no sentence patterns, tone is appropriate college level; rhetorical
variety in diction, and rhetorical and devices and tone used
sentence devices. rhetorical devices effectively; creative use
structure, diction, used to enhance of sentence structure and
rhetorical devices content; coordination
or emphasis. sentence
variety used
effectively.
Format Fails to follow Meets format and Meets format and Meets all formal and
format and assignment assignment assignment
assignment requirements; generally requirements; requirements and
requirements; correct margins, spacing, margins, spacing, evidences attention to
incorrect margins, and and indentations are detail; all margins,
spacing and indentations; essay is correct; essay is spacing and
indentation; neat but neat and correctly indentations are correct;
neatness of may have some assembly assembled. essay is neat and
essayneeds errors. correctly assembled
attention. with professional look.

Component/Task 2
CIA Details
nil
CIA Details will display form 15/11/2017
Learning Objective

Assignment Learning Objectives: Assessment Strategies aligned to LO: Technology Tools used
along with their Purpose:
Evaluation Rubrics
nil