Master of Commerce (M.Com.) Retail Banking Syllabus - Mumbai University

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Syllabus for Retail Banking

Elective course · Semester 2 · M.Com. Banking and Finance · 4 credits · 100 marks

Module I: (2 CREDITS)

Unit 1 Introduction of Retail Banking
a Introduction, Birth of Banking, Causes of the Development of Money, Birth of the Banking System, Characteristics of Retail Banking, Advantages of Retail Banking, Constraints in Retail Banking, Prerequisite for Success of Retail Banking.
b Retail Banking in India, Challenges for Retail Banking, Reason for the Growth of the Retail Banking Segment, Scope of Retail Banking in India, Future of Retail Banking.
Unit 2 Retail Products
a Retail Products Overview, The approval process for retail loans, credit scoring, Important Asset Products such as Home Loans, Auto / Vehicle Loans, Educational, Loans, Credit / Debit Cards, Other Products / Remittances / Funds Transfer.
b Marketing/ Selling of retail products, MIS and Accounting - Retail Strategies, Delivery Channels, Selling Process in Retail Products-Direct Selling Agents, Customer Relationship Management, Regulations and compliance - Technology
for Retail Banking, Accounting entries.

Module II: (2 CREDITS)

Unit 3 Introduction to Principles of Retail Lending & Types of Retail Advances
a Principles of Retail Lending - General Principles, Six 'C' Principles, Sources of Information; Types of Retail Advances - Personal Loans, Consumer Loans, Home
Loans, Auto Loans, Educational Loans, Installment Credit, Loan Against Shares, Loan Against Automobiles, Loan Against Home, Marriage Loans, Single Payment
Loans, Bank Credit Cards, 30-Day Charge Card
b Loan Evaluation Procedure, Credit Analysis, Credit Scoring, Common Credit
Scoring Models, Limitations of Credit Scoring, Risk Management and Retail
Banking, Risk and Return on Consumer Loans, Revenues from Consumer Loans, Processing of Loans.
Unit 4 Application of Retail Banking and other Issues
a Business Process Structure in Retail Banking, Business Approach (Domain
Specific) in Retail Banking, Product Models in Retail Banking (Liability Products, Retail Asset Products, Other Products/Services), Process Models for Products and Services, Pricing of Products and Services, Technology Models in Retail Banking.
b Securitisation, mortgage-based securities; Trends in retailing – New products like
Insurance, Demat services, online / Phone Banking, Property services, Investment
advisory / Wealth management, Reverse Mortgage – Growth of e-banking, Cross- selling opportunities; Recovery of Retail Loans – Defaults, Rescheduling, recovery
process; SARAFAESI Act, DRT Act, use of Lok Adalat forum. Recovery Agents – RBI guidelines.

References

Fundamentals of Retail Banking, Author - O.P. Agarwal, Publisher - Himalaya Publishing House
Retail and Digital Banking, Author – John Henderson, Publisher – Kogan Page
Retail Liability Products and Other Related services, IIBF, Macmillan
Retail Banking Trends in India, Dr Bhadrappa Haralayya
Retail The Lifestyle Banking, Gautam Gan, Sreyashi Gan

Reproduced from the University of Mumbai syllabus for M.Com. (Banking & Finance) under NEP 2020, in force from the academic year 2023-24. 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 specialisation. Open a document here if you want the whole thing rather than a single subject.

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