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B.Com. (Banking and Insurance) Financial Inclusion and Government Banking Schemes Syllabus - Mumbai University 2026

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 Financial Inclusion and Government Banking Schemes

Major · Semester 7 · Fourth Year BBI Honours with Research · 4 credits · 100 marks

Module I: Fundamentals of Financial Inclusion

Unit 1: Concept and Significance of Financial Inclusion Meaning, scope, and objectives of financial inclusion – Understanding inclusive finance as a tool for economic development. ,Evolution of financial inclusion in India – Historical perspective and policy initiatives. ,Importance for economic growth – Role in poverty alleviation, employment, and social equity. ,Global perspectives – Comparative analysis with other developing economies.
Unit 2: Institutional Framework for Financial Inclusion Role of RBI and Government – Policy formulation and regulatory support. ,Role of commercial banks and RRBs – Branch expansion and rural outreach. ,Role of NABARD and microfinance institutions – Financial deepening in rural areas. ,Financial inclusion infrastructure – Business correspondents, banking outlets, and digital platforms.

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: Financial Literacy, Digital Inclusion & FinTech

Unit 5: Financial Literacy and Consumer Protection Financial literacy – Importance, programs, and initiatives in India. ,Role of RBI and banks in awareness campaigns – Outreach strategies. ,Consumer protection – Banking ombudsman scheme and grievance redressal. ,Challenges in financial literacy – Behavioral and socio- economic barriers.
Unit 6: Digital Financial Inclusion and FinTech Digital payment systems – UPI, mobile banking, and wallets. ,Role of fintech in inclusion – Innovation in financial services delivery. ,Cybersecurity concerns – Risks and safeguards in digital banking. ,Case studies – Successful digital inclusion models in India.

Module IV: Challenges, Impact Assessment & Future Prospects

Unit 7: Challenges in Financial Inclusion Structural challenges – Infrastructure gaps and regional disparities. ,Demand-side issues – Lack of awareness and trust deficit. ,Operational challenges – Cost, viability, and scalability concerns. ,Policy and regulatory challenges – Implementation gaps.
Unit 8: Impact Assessment and Future Directions Measuring financial inclusion – Indicators and index-based analysis. ,Socio-economic impact – Poverty reduction and financial empowerment. ,Role of technology and innovation – Future trends in inclusive banking.,Policy recommendations – Strategies for sustainable financial inclusion.

Reference Books

1 Vasant Desai – The Indian Financial System and Development
2 Bharati V. Pathak – The Indian Financial System: Markets, Institutions and Services
3 M.Y. Khan – Indian Financial System
4 H.R. Machiraju – Indian Financial System
5 Dr. K. Nirmala Prasad – Financial Inclusion: Concepts and Strategies

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

This subject is cut from the University circular for its year. Open a document here if you want the whole thing rather than a single subject.

PDF BCom (Banking & Insurance) Honours Sem VII & VIII (2026-27) NEP NEP 2020 syllabus, in force from 2026-27 Read full PDF Read

PDF BCom (Banking & Insurance) Honours with Research Sem VII & VIII (2026-27) NEP NEP 2020 syllabus, in force from 2026-27 Read full PDF Read

PDF BCOM (BBI) SEM I & II (2024 25) NEP NEP 2020 syllabus, in force from 2024-25 Read full PDF Read

PDF BCom (Banking & Insurance) Sem III & IV (2025-26) NEP NEP 2020 syllabus, in force from 2025-26 Read full PDF Read

PDF BCom (Banking & Insurance) Sem IV Community Engagement Project (2025-26) NEP NEP 2020 syllabus, in force from 2025-26 Read full PDF Read

PDF BCom (Banking & Insurance) Sem V & VI (2026-27) NEP NEP 2020 syllabus, in force from 2026-27 Read full PDF Read

PDF BCom (Banking & Insurance) Sem V & VI Minor (2026-27) NEP NEP 2020 syllabus, in force from 2026-27 Read full PDF Read

PDF BBI V & VI 2018 2019 Earlier Choice Based syllabus, still set for ATKT candidates Read full PDF Read

PDF BBI III & IV 2017 18 Earlier Choice Based syllabus, still set for ATKT candidates Read full PDF Read

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