B.Com. (Banking and Insurance) Agri and Rural Banking Practices Syllabus - Mumbai University
This is the Fourth Year BBI Honours with Research syllabus under NEP 2020, in force from the academic year 2026-27. The fourth year is new in 2026-27, and the University runs it as two separate courses: Honours, and Honours with Research.
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Syllabus for Agri and Rural Banking Practices
Module I: Rural Banking Structure
- Unit 1: Rural Financial System Structure of rural banking: Institutions involved, Role of Regional Rural Banks: Financial access, Cooperative banks: Functions and importance ,Challenges in rural banking
- Unit 2: Agricultural Finance Basics Meaning of agricultural finance,Types of agricultural loans, Crop loan system and KCC, Credit assessment in agriculture
Module II: Rural Credit Mechanism
- Unit 3: Rural Lending Practices Priority sector lending, SHG and microfinance models Role of NABARD, Credit delivery challenges,
- Unit 4: Government Schemes PMFBY and crop insurance, Interest subsidy schemes, Financial inclusion initiatives, Rural development programs,
Module III: Risk & Challenges
- Unit 5: Risks in Rural Banking Crop failure risks ,Credit default issues ,Climate impact on finance, Risk mitigation strategies,
- Unit 6: Financial Literacy in Rural Areas Need for financial awareness, Role of banks in education, Digital inclusion challenges, Case studies,
Module IV: Innovations in Rural Banking
- Unit 7: Digital Rural Banking Mobile banking in villages, AEPS and DBT systems ,Role of BC agents ,Challenges in adoption ,
- Unit 8: Future of Rural Banking Agri-fintech solutions ,Sustainable rural finance ,Policy developments ,Opportunities for growth,
Reference Books
- 1 Vasant Desai – Rural Banking in India
- 2 NABARD Publications – Rural Credit in India
- 3 Dr. B. Yerram Raju – Rural Banking
- 4 IIBF – Agricultural Finance
- 5 Ramesh Singh – Indian Economy
Reproduced from the University of Mumbai syllabus for B.Com. (Banking & Insurance) under NEP 2020, in force from the academic year 2026-27. Wording is as printed in that syllabus. Module numbering is as printed there too.
The complete syllabus
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