Banking Syllabus 2022-23 5th sem As Per new CBCS Pettern | Gauhati University

Guahati University Modern Banking Practice Syllabus 2022-23 5th sem As Per new CBCS Pettern


Total Marks: 100 

Credit 6

Lectures 65



Introduction: Bank-Meaning and functions, Origin and development of banking in India, Types of banks, Structure of commercial banks in India - public and private sector banks, Scheduled and Non-scheduled Banks; E-Banking-meaning, different types of services and products like ATM, debit and credit cards, phone banking, internet banking, EFT-RTGS and NEFT.



Banker –customer relationship; Definition of banker and customer, general relationship, rights and obligations of a banker, Garnishee order. Banking Ombudsman Scheme.

Customers’ account with the banker- fixed deposit account, savings account, current account- opening and operation of savings and current account, account facilities available for NRIs, KYC Guidelines Special types bank customers – minor, illiterate persons, joint account, partnership account, Joint Stock Company.



Employment of bank funds; Liquid assets- significance of liquidity in banking, cash balance, statutory reserve in the RBI; Loans and advances- principles of sound lending, types of credit, cash credit system, overdraft, loan system; Pledge, hypothecation and mortgage, collateral security.



Negotiable Instruments- Definition, features, types of negotiable instruments, holder and holder in due course, 

payment in due course; endorsements- meaning, kinds; crossing of cheque- types, significance, payment, collection 

of cheque, precautions, material alterations, statutory protection to paying and collecting banker.



Banking Regulation Act; requirements as to minimum paid-up capital and reserves, constitution of Board of Directors, loans and advances, licensing of banking companies, accounts and audit, powers of the RBI, Banking Sector Reforms and Governance: prudential norms relating to capital adequacy, income recognition, asset Classification.

Gauhati University Modern Banking Practice Syllabus 2022-2023 


1. D.M. Mithani and E. Gordon, Banking and Financial System, Himalaya Publishing House.

2. D. Muraleadharn, Modern Banking, Prentice Hall of India, New Delhi.

3. Indian Institute of Banking and Finance, Principles of Banking, Macmillan.

4. K. C. Sekhar and L.Sekhar, Banking Theory and Finance, Vikas Publishing House.

5. P.N. Varshney, Banking Law & Practice, Sultan Chand & Sons

6. S.N. Maheswari & S.K. Maheswari, Banking Law & Practice, Kalyani Publishers 

7. S. Natarajan and R. Parameswaram, Indian Banking, Sultan Chand & Sons.


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