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    Bhalla - 2017-18 Banking Law and Practice-Gurukul PDF

    Hochgeladen von

    pranavshreni

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    © All Rights Reserved
    Als PDF herunterladen oder online auf Scribd lesen
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    urukul’ UENCE OY Ca [ OUR RESULTS — OUR BRAND VALUE Dr. GS.Bhalla |Mr. Harsimran S. Bhalla MA (Eco), Dethi Univ., MS Financa, IIT Chicago, USA PhD. Deptt. of Business Mgmt (UBS), Panjab Univ, ‘Associate Director Director 09816009205 ‘M -09876092624 SCO 91, (1°78 2" FLOOR), SECTOR 47-D, NEAR PNB, CHANDIGARH, Mob: 9041086087, 9041074088 HYDERABAD BRANGH: Kachiguda Pride, Kachiguda Station Road, Opp. Traffic Police Station, Adjoin 7 Kachiguda, Hyderabad, Mob: 9395140742 ee ee PREFACE a Aim of the book : Practicing bankers are finding it increasingly difficult to keep themselves up to date with the ever-changing legal aspects of the banking field due to pressure of work. Our aim is to.make all the important and relevant aspects available to them in a simple and lucid manner. The book is not an exhatistive compilation of the law, which aims to exhaust the reader but a concise and down to earth version, which aims to befriend the user. The focus is also to make available the needed information in a single window too. Contents Contents are chosen such that both the legal basics like the foundation acts and practical inputs such as documentation & operational aspects are covered. Efforts are ‘made to keep our reader up to date by adding the latest concepts used in banking and the legal aspects pertaining to them. Value Proposition This book is meant for practicing bankers. It is felt that not only the young bankers but seniors may also find value in the contents as the book not only informs but also up dates existing information. Young readers who are aspiring to take up banking as a career, MBA students who want to add practical information to the theory part of their Business law courses are also welcome to this book. Our institute has a self-set mission of assisting practicing bankers in sharpening their skills and improving their efficacy and efficiency. It is our firm belief that sclf- improvement is a continuous and constant process. This road leads people automatically to career advancement. We have developed core-competency in this area of assisting and empowering our readers in their efforts towards Career Advancement. Our publications are focused towards this. We at the institute believe that quality can become a reality only if there is input from the end users, We, therefore, welcome suggestions for improving this edition of the book from our readers. The institute acknowledges with appreciation the efforts of the entire team & particularly Mr. Vipin Sharma at CTDI for their pain staking efforts in bringing out *Gurukul Banking Law & Practice" book. \ Dr. G.S_Bhalia Mr. Harsimran S. Bhalla MA (Eco), Delhi Uni MS Finance, IT Chicago, USA PhD. Deptt. of Business Mgmt (UBS), Panjab Univ. Associate Director Director - 09316008205 M-09878092621 BANKING LAW @ND PRACTICE CHAPTER TOPIC PAGE NO. 7 RBI ACT 1934 7 2 BANKING REGULATION AGT 1949, 3 3 ‘CASH RESERVE RATIO & STATUTORY LIQUIDITY RATIO. 5 a BANKER-CUSTOMER RELATIONSHIP. 7 a NEGOTIABLE INSTRUMENTS ACT @ @ DIFFERENT TYPES OF DEPOSIT ACCOUNTS. 29 7 DIFFERENT TYPES OF CUSTOMERS 39 a ‘OPERATIONAL INSTRUCTIONS, JOINT ACCOUNTS EITHER OR SURVIVOR, 5 3 BANKER’S RIGHTS -BANKER'S LIEN, SET- OFF, RIGHT OF APPROPRIATION 37 70 | GARNISHEE ORDER AND ATTACHMENT ORDER 60 71__| CHARGES ON SECURITIES & 72__| SAFE DEPOSITS OF ARTICLES & LOCKERS - BANKER'S BOOK EVIDENCE ACT.1054 8 73__ | BANKERS BOOK EVIDENCE ACT 1891 | "14 [INDIAN CONTRACT ACT 1072 70 15___| POWER OF ATTORNEY, 72 76 | NOMINATION RULES, i 74 47___ | OCUMENTATION 76 (7710 [DOCUMENTS AND INDIAN STAMP ACT, 1899 73 49 | DOCUMENT AND REGISTRATION ACT 1908 co (20 [ REGISTRATION OF CHARGES, 82 21 LIMITATION ACT — 1863, 33 22 | BANK OMBUDSMAN SCHEME 26 23 | COMPRISE SETTLEMENT THROUGH LOK ADALATS: 8 24 | CONSUMERS PROTECTION ACT. 1986 80 25 __| DEBTS RECOVERY TRIBUNALS, 2 26 | DEPOSIT ACCOUNTS AND IBA’S CODE : 3 27] ELECTRONIC CHEQUES & TRUNCATED CHEQUES 7, 28 | HANDLING OF ACCOUNTS OF DECEASED 29 [IBA CODE FOR BANKING PRACTICE ‘30 | PASS BOOKS AND STATEMENT OF ACCOUNTS, 102, ‘31 | STOP PAYMENT OR COUNTERMANDING. 703, '32__| TAX DEDUCTION AT SOURCE (TOS) 704 | ‘33 | SARFAESI ~ 2002, CERSA = 705, 34 [RIGHT TO INFORMATION AGT ~ 2005, ALL ABOUT TAN i097. (3s kYC - GUIDELINES — ANTI MONEY LAUNDERING STANDARDS 708 '36___ | DOORSTEP BANKING. a1 37 | MOBILE BANKING aR 38 | PERMANENT ACCOUNT NUMBER (PAN) 114, 39 | PAYMENT AND SETTLEMENT SYSTEM 18. 40 MONEY TRANSFER SERVICE SCHEME, KYG NORMS / AMLSTANDARDS: 7, composen By : Vipin Sharma ‘ORPORATE TRAINING & DEV. INSTITUTE (GURUKUL FOR BANKERS) Pric CO 81, (1* & 2% Floor), Sector 47-D, Chandigarh, MOB: 9041086057, 9041071058 Rs, 300 | ‘wwrw.corporatetraininginstitute.com, E-MAIL: training@corporatetraininginstitute.com For. ion. Check Our Webs! R&I was established on the recommendations of Royal Commission on Indian Currency & Finance (1928). The Act was passed in the year 1934 and the REI was estabiished on 1.4.1935 as a Private Sector Bank. It was nationalised on 1-1-1840, With ‘nationalization. the Central Govt. ovms hundred percent of the capital ofthe bank. The Share Capital of the banc (Paid-up) is Rs. 8 crores, with face value of a share of Rs. 100/-. The Ral is menaged by 2 Gp EUNGTIONS: RE! performs mainly five types of functionsix, a) ») 2 8) e) ASSUING OF CURRENGY: _ The Gentral Goris issuing one Rupee Note, (ernor, 4 Deputy Governors and 16 Directors. acts as currency issuing Bank. acts as a Banker to Central and State Govt ects as Benker to the Banks and regulates their working {works for the promotion and development of Agriculture, Tra {collects and communicates important information. ‘The Reserve Bank issues all currency notes aja6 called as ba 4.20. 50,100, 500, 1000, 5000 and 10,000, under the signature ‘The RBI issues currency notes against i fupee Securities, Mint, Promissory Notes or Bills of Exchan, monetary policy with the objective Y> provide necessary credit for development of Agriculture, suring price stabiity {8 Fontrois afd regulates money supply k Rate, Soo 47(a) | RESERVEFUND, Sipulis tal a bank moa cele eee lind equvaen toa tess han 20% of rot ol le balance of pall Leach ea, bear any Sidon doclared (RB has ehaneed 1 28% fel pf we 31 Mech 2001). Soa 16 | CASH RESERVE: Every baking company ol beng a scheded bak, shal maintan 3 of demend end Ue Tbies by way cosh serve ise or by way of baanczin gure zcout wih RSL Gee 1 | RESTRICTION ON NATURE OF SUBSIDIARY COMPANY: A bank sal nt orm any SDS company ence Tor rdaranng business whch is permissible or banking company. See 19(2) | HOLONG.OF SHARES OF AY COMPANY: No bang company sat) aes in sy company whote: 2 pees ntgate ec 19(2) | or absodie owner, of an amount exceeding 30% of pai-up share cgeffal of that bampany oF 30% of its own paid-up capital and tess, whichever aes. . ‘Sec ZO | RESTRICTION ON ADVANCES AGAINST OWN SHARES: Wo banking any shan in| loane vances ove ely os

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