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F:\pm5_inr\inne\3282inr.pmd\Ist\29-11-2021\Ramendra
cSa•dx ,oa chek [BANKING AND INSURANCE] uohu f'k{kk uhfr] 2020 ds vUrxZr e/; izns'k ds fofHkÈk fo'ofo|ky;ksa ds ch-dkWe- (izFke o"kZ) gsrq 'kS{kf.kd l= 2021-22 ls izHkkoh u, ikB~;ÿekuqlkj
cSa•dx ,oa chek [BANKING AND INSURANCE]
izks- oh- ih- vxzoky iwoZ izo‰k LukrdksŸkj okf.kT; foHkkx jktdh; egkfo|ky;] Qjhnkckn
2022
lkfgR; Hkou ifCyosG'kUl % vkxjk
Publications for B.Com. First Year (Year-Wise Syllabus) (Under New Education Policy, 2020) r
foŸkh; ys[kkadu—MkW- ,l- ,e- 'kqDy
r FINANCIAL ACCOUNTING—Dr. S.M. Shukla r PRACTICE MANUAL OF FINANCIAL ACCOUNTING—Dr. S.M. Shukla r
O;kolkf;d fu;eu :ijs[kk—MkW- ,l-,e- 'kqDy ,oa izk-s oh-ih- vxzoky
r BUSINESS REGULATORY FRAMEWORK—Dr. G.K. Varshney r
O;kolkf;d laxBu ,oa lEizs"k.k—MkW- ,l-lh- lDlsuk ,oa izks- oh- ih- vxzoky
r BUSINESS ORGANISATION AND COMMUNICATION—Dr. S.C. Saksena
,sfPNd iz'u&i= r O;kolkf;d vFkZ'kkL=—MkW- ts- ih- feJk r BUSINESS ECONOMICS— Dr. J. P. Mishra r
cSafdax ,oa chek—izks- oh- ih- vxzoky
r BANKING AND INSURANCE—Dr. O.P. Gupta & M. Eswari Karthikeyan r
O;kolkf;d xf.kr—MkW- ,l- ,e- 'kqDy
r BUSINESS MATHEMATICS—Dr. S.M. Shukla r r
eqÊk ,oa cSafdax—MkW- th- lh- fla?kbZ ,oa MkW- ,l- ds- flag ys[kkadu ds vk/kkjHkwr flºkUr—MkW- ,l- ,e- 'kqDy
r FUNDAMENTAL OF ACCOUNTING—Dr. S.M. Shukla r
O;kolkf;d laxBu ,oa izcU/k—MkW- vkj- lh- xqIrk
r BUSINESS ORGANISATION AND MANAGEMENT—Dr. S. C. Saksena r
Hkkjr esa cSafdax laLFkk,a (eqÊk ,oa foŸkh; iz.kkyh)—MkW- ts- ih- feJk
O;kolkf;d (dkS'ky lac/kZu) ikB~;ÿe (iz'u&i=) r
th-,l-Vh-] bZ- ,dkmafVax vkSj djk/kku—MkW- ,p-lh- esgjks=k ,oa MkW- oh-ih- vxzoky
r E-ACCOUTNING AND TAXATION WITH G.S.T. —Dr. H. C. Mehrotra & Prof. V. P. Agarwal r
dk;kZy; izfÿ;k vkSj O;ogkj—MkW- vkbZ- ,e- lgk;
r OFFICE PROCEDURE AND PRACTICE—Dr. I. M. Sahai Code : 3282
ISBN : 978-93-91259-37-2
Price : ` 225/-
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© Publishers No part of this publication can be reproduced or copied in any form or by any means without permission in writing of the Publishers. Breach of this condition is liable for legal action. Note : This publication is being sold on the condition and understanding that the information, comments, and views it contains are merely for guidance and reference and must not be taken as having the authority of or being binding in any way on, the author, editors, publishers and sellers, who do not owe any responsibility whatsoever for any loss, damage, or distress to any person, whether or not a purchaser of this publication, on account of any action taken or not taken on the basis of this publication. Despite all the care taken, errors or omissions may have crept inadvertently into this publication. All disputes are subject of the jurisdiction of competent courts in Agra.
NEW SYLLABUS B. Com. Year-wise syllabus as recommended by Central Board of Studies Content of the Course Unit
1.
Topics
vf/kdks"k.k dk ifjp;µvf/kdks"k.k dh ,sfrgkfld i`"BHkwfe] cSad dh ifjHkk"kk] flºkUr ,oa egRo] cSad dk oxhZdj.k] okf.kfT;d cSad ds dk;Z] Hkkjr esa okf.kfT;d vf/kdks"k.k dh lajpuk] Hkkjrh; vf/kdks"k.k O;oLFkk dh fo'ks"krk,a] lk[k fuekZ.kA dsUÊh; vf/kdks"k.kµHkkjrh; fjtoZ cSad ,oa mlds dk;Z] lk[k fu;a=.kA cSadksa dk jk"V™hdj.k ,oa foy;µcSadksa ds jk"V™h;dj.k dk lkekU; ifjp;] mÌs'; ,oa futh cSad] ifjp;] dk;Ziz.kkyh] mi;ksfxrk ;k egRo] izHkko] Hkkjr esa cSadksa ds jk"V™h;dj.k ,oa foy; dk ewY;kaduA
No. of Lectures 18
Introduction to Banking : Historical background of banking, Definition, principles and importance of bank, Classification of bank, Functions of commercial bank, Structure of commercial banking in India, Features of Indian banking system, credit creation. Central Banking : RBI and its functions, Credit control. Nationalization and Merger of Banks : General Introduction to Nationalization of Banks, Objective and Introduction to Private Banks Functioning and Usefulness or Importance, effects. Evaluation of Nationalization and Merger of Indian Banks.
2.
cSad tekµvFkZ ,oa izdkj] cSad [kkrksa dh fo'ks"krk,a] cSad [kkrs [kksyus ,oa can djus dh izfÿ;k (vkWuykbZu izfÿ;k lfgr)A Ω.k ,oa vfxzeµΩ.k ,oa vfxze Lohœfr ds flºkUr] Ω.k ,oa vfxze dk oxhZdj.k] x`g Ω.k] O;f‰xr Ω.k] f'k{kk Ω.k ,oa okf.kfT;d Ω.k gsrq vkosnu izfÿ;kA
18
Bank Deposits : Meaning and types, Features of back accounts, Procedure to open and close bank accounts (Including online procedure). Loans and Advances : Principles to sanction loans and advances, Classification of loans and advnaces, Procedure to apply for house loan, personal loan, eduction loan and commercial loans.
3.
chekµchek dh ,sfrgkfld i`"BHkwfe] chek dk vFkZ] rRo] vk/kkjHkwr flºkUr rFkk egRo] chek ds izdkj] Hkkjr esa chek dk fu;euA vkbZ-vkj-Mh-,-µdk;Z rFkk Hkkjr esa chek fu;eu esa HkwfedkA
18
Insurance : Historical background of Insurance, Meaning, elements, basic pricniples and importance of insurance, Kinds of insurance, Regulation of insurance in India. IRDA : Functions and role to regulate insurance in India.
4.
thou chekµ,sfrgkfld i`"BHkwfe] mÌs';] egRo] vko';d rRo] thou chek i= rFkk mlds izdkj] ^chek izLrko ls chek i=*&izfÿ;kA thou chek i=ksa dh 'krs±] nkok izLrqr djus dh izfÿ;k rFkk nkoksa dk fuiVkjkA Hkkjrh; thou chek fuxeµdk;Z] izxfr rFkk ewY;kaduA
18
Life Insurance : Historical background, meaning, objectives, importance, essential elements, Life insurance policy and its types, `Insurance proposal to policy'–Procedure, Conditions of Life insurance policies, Claim filing procedure and settlement of claims. Life Insurance Corporation of India : Functions, progress and Evaluation.
5.
lkekU; chekµvFkZ] mÌs'; rFkk egRo] lkekU; chek ds izdkj rFkk mudh fo'ks"krk,a] lkekU; chek ds vk/kkjHkwr flºkUr] lkekU; chek i=ksa dh vkosnu izfÿ;k] nkok izLrqr djus dh izfÿ;k rFkk nkoksa dk fuiVkjkA Hkkjrh; lkekU; chek fuxeµdk;Z] izxfr ,oa lajpuk] lkekU; chek {ks= esa futh {ks= dh dEifu;ksa dk izn'kZuA General Insurance : Meaning, Objectives and Importance, Kinds of general insurance and its features, Basic principles of general insurance, Procedure to apply general insurance policies, Claim filing procedure and settlement of claims. General Insurance Corproation of India : Functions, Progress and Structure, Performance of private sectore companies in general insurance sector.
18
K:\Appl-32\3282\Cont.chp\Ist\29-11-2021\Ramendra
rflıƒ-Ÿq…ß Ê]r≈ºZ† (yr"≈ZtuıÀ) (BANKING)
1.
Ê]r≈ºZ† (yr"≈ZtuıÀ) ≈Zt vrÕ…ƒZ & vrÕÈtıt, rŸftπ;, v{≈ZtÕ ™flº øYfl . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3
[INTRODUCTION TO BANKING : DEFINITION, PRINCIPLES, TYPES AND IMPORTANCE]
2.
ÈtÕ; ∞ fltrÀr±ƒ≈Z Ê]≈Zt∞ ≈Zß ŸºÕ…Ωt yt»Õ ≈Ztƒª . . . . . . . . . . . . . . . .
16
[FUNCTIONS AND STRUCTURE OF COMMERCIAL BANKS IN INDIA]
3.
ÈtÕ;߃ Ê]r≈ºZ† (yr"≈ZtuıÀ) ∏ƒflE:t, Ê]≈Zt∞ ≈Zt rΩƒºLtÀ, Õt¨x∑߃≈ZÕÀ ;:t Ê]≈Zt∞ ≈Zt rflæƒ . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
29
[INDIAN BANKING SYSTEM, CONTROL, NATIONALISATION OF BANK AND MERGER OF BANKS]
4.
ŸtÓ rΩ tªÀ (Ÿ©sΩ) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
49
[CREDIT CREATION]
5.
≈uZπb߃ Ê]r≈ºZ† (yr"≈ZtuıÀ) & rÕsflª Ê]≈Z ytp¬Z ≥r’zƒt (ŸtÓ rΩƒπLtÀ Ÿrø;) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
58
[CENTRAL BANKING : RESERVE BANK OF INDIA (INCLUDING CONTROL OF CREDIT)]
6.
Ê]≈Zt∞ ≈Zt rΩsß≈ZÕÀ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
79
[PRIVATISATION OF BANKS]
7.
Ê]≈Z ∞ s t . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
84
[BANK DEPOSITS]
8.
}ZÀ ™flº yr†{ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .101 [LOANS AND ADVANCES]
9.
}ZÀ øu;w ytflu'Ω v{r≈{Zƒt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .116 [PROCEDURE TO APPLY FOR LOAN]
(2)
Êß t (INSURANCE)
10.
Êß t . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .129 [INSURANCE]
11.
Êß t ≈uZ rŸftπ; . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .151 [PRINCIPLES OF INSURANCE]
12.
Êß t rΩƒt ≈Z yt»Õ rfl≈ZtŸ v{tr"≈ZÕÀ (yt≥ªytÕzß™) . . . . . . . . .174 [INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY—IRDA]
13.
sßflΩ Êß t . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .183 [LIFE INSURANCE]
14.
v{ wÓ Êß t vtprærŸƒtº yt»Õ fltrıª≈Zß . . . . . . . . . . . . . . . . . . . . . . . . . .190 [MAIN INSURANCE POLICIES AND ANNUITY]
15.
sßflΩ Êß t vtpræŸß ≈Zß ˜;uO . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .210 [CONDITIONS OF LIFE INSURANCE POLICY]
16.
etßr ƒ rΩ"tªÕÀ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .224 [PREMIUM COMPUTATION]
17.
ÈtÕ;߃ sßflΩ Êß t rΩ† . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .240 [LIFE INSURANCE CORPORATION OF INDIA]
18.
Ÿt tπƒ Êß t rΩ† ≈Zt Ÿº†•Ω . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .258 [ORGANIZATION OF GENERAL INSURANCE CORPORATION]
19.
Ÿt tπƒ Êß t 'tflt∞ ≈Zt rΩvxtÕt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .263 [SETTLEMENT OF GENERAL INSURANCE CLAIMS]
Èqr ≈Zt v{E;w; vwE;≈Z fiÊ]Æ≈Z† ™flº Êß tÚ (Banking & Insurance) ˘ƒ v{'u˜ ≈uZ rflrÈπΩ rfl‰flrfldtæƒt∞ ≈uZ EΩt;≈Z E;Õ vÕ fltrıª≈Z vfr; ≈uZ Êß. ≈Ztp . (v{: flıª) øu;w ŸLt 2021-22 Ÿu v{Ètflß Ω™ vt•¿ƒ≈{Z tΩwŸtÕ v{≈Ztr˜; ≈Zß †≥ª ø»> rfldtr:ªƒt∞ ≈Zß ÕDr… st†{; ≈ZÕΩu ≈uZ ræ™ rflıƒ ≈Zt rfl˜uı øYfl ø»> ≥Ÿß rfl…tÕ ≈Ztu ˘ƒtΩ ∞ ÕÓ;u øw™ ŸÕæ ™flº Ÿøs Òv ∞ rflıƒ ≈Ztu ræÓt †ƒt ø», rsŸŸu rfldt:ߪ v{t:r ≈Z E;Õ vÕ rflıƒ ≈Ztu Ÿ ∂ Ÿ≈Z∞ yt˜t ø» r≈Z uÕt ƒø v{ƒtŸ rfldtr:ªƒt∞ ≈uZ ræ™ √vƒtu†ß rŸf øtu†t> vwE;≈Z ≈Zß yrc;߃ rfl˜uı;t ƒø ø» r≈Z ≥Ÿ ∞ vt•¿ƒ≈{Z ≈uZ ŸÈß ˜ßıª≈Zt∞ vÕ yYƒπ; ŸÕæ Ètıt rflıƒ ≈Zß rflE;©; rflflu…Ωt ≈Zß †≥ª ø»> ≥Ÿ rflıƒ ≈uZ v{t˘ƒtv≈Zt∞, rfldtr:ªƒt∞ ™flº yπƒ vt•≈Zt∞ Ÿu rΩflu'Ω ø» r≈Z vwE;≈Z ≈Ztu yr"≈Z √vƒtu†ß ÊΩtΩu øu;w yvΩu y qVƒ Ÿw∂tfl ™flº v{r;r≈{Zƒt Èus≈ZÕ w∂u yΩw†©øß; ≈ZÕ∞> —æuÓ≈ZZ