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B.Com. (Banking and Insurance) Retail Loan Processing and Documentation 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 Retail Loan Processing and Documentation

Major · Semester 8 · Fourth Year BBI Honours with Research · 4 credits · 100 marks

Module I: Fundamentals of Retail Lending

Unit 1: Introduction to Retail Loan Products
Overview of Retail Lending – Meaning, scope, and significance in banking; growth of retail credit in India.
Types of Retail Loans – Housing loans, personal loans, auto loans, education loans, and consumer durable loans.
Loan Lifecycle – Stages from application to closure; role of financial institutions.
Key Stakeholders – Borrowers, banks, NBFCs, credit bureaus, and regulators.
Unit 2: Retail Lending Framework in India
Regulatory Environment – Role of RBI guidelines, prudential norms, and compliance requirements.
Credit Information Systems – Role of CIBIL, Experian, Equifax in credit assessment.
KYC and AML Norms – Customer identification, due diligence, and anti-money laundering compliance.
Ethical Lending Practices – Fair practices code, transparency, and borrower protection.

Module II: Credit Appraisal and Risk Assessment

Unit 3: Credit Appraisal Techniques
Principles of Lending – Safety, liquidity, profitability, and diversification.
Creditworthiness Assessment – Income analysis, repayment capacity, and stability of employment/business.
Use of Credit Scores – Interpretation of credit reports and scoring models.
Loan Eligibility Criteria – Parameters for different retail loan products.
Unit 4: Risk Analysis in Retail Lending
Types of Risks – Credit risk, operational risk, and market risk in retail lending.
Risk Mitigation Techniques – Collateral, guarantees, insurance, and co-borrowing.
Fraud Detection – Red flags in loan applications and documentation.
NPA Management – Identification, classification, and recovery strategies

Module III: Loan Documentation and Legal Aspects

Unit 5: Documentation in Retail Loans
Loan Application Forms – Structure, data requirements, and verification.
Supporting Documents – Identity proof, income proof, property documents, and bank statements.
Sanction Letter and Terms – Components, conditions, and legal implications.
Documentation Errors – Common mistakes and preventive measures.
Unit 6: Legal and Regulatory Documentation
Loan Agreements – Structure, clauses, and enforceability.
Security Creation – Mortgage, hypothecation, lien, and pledge.
Registration and Compliance – Legal registration processes and stamp duty requirements.
Recovery Laws – SARFAESI Act, Debt Recovery Tribunals (DRTs), and legal recourse.

Module IV: Loan Processing Systems and Emerging Trends

Unit 7: Loan Processing Workflow Loan Processing Stages – Application, verification, appraisal, sanction, disbursement. Role of Technology – Loan origination systems (LOS) and automation. Customer Relationship Management – Service quality and customer retention. Post-Disbursement Monitoring – Repayment tracking and portfolio management.
Unit 8: Digital Lending and Future Trends
Fintech in Retail Lending – Digital platforms, peer-to-peer lending, and app-based loans.
AI and Data Analytics – Credit scoring, predictive analytics, and fraud detection.
Regulatory Challenges – Data privacy, cybersecurity, and evolving RBI guidelines.
Sustainable and Inclusive Lending – Financial inclusion, priority sector lending, and ESG considerations.

Reference Books

1 Vasant Desai – Indian Banking: Nature and Problems
2 H.R. Machiraju – Modern Commercial Banking
3 M.Y. Khan – Indian Financial System
4 B.S. Raman – Banking Law and Practice in India
5 IIBF – Retail Banking (Macmillan Publications)

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

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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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