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Home / Syllabus / Master of Commerce (M.Com.) / Banking and Finance / Semester 3 / Rural Banking

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

Rural Banking Syllabus.pdf
Mandatory course · Semester 3 · M.Com. Banking and Finance · 4 credits · 100 marks

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Syllabus for Rural Banking

Mandatory course · Semester 3 · M.Com. Banking and Finance · 4 credits · 100 marks

Module I: (2CREDITS)

  • Unit I Overview of Indian Rural Economy A) Demographic features: Population, occupation, literacy, socio-economic development
  • indicators, health, nutrition and education, - urban migration. Economic life of rural people, share in National income -Trends in per capita income, rural money markets, rural
  • indebtedness, causes of rural poverty B) Rural infrastructure- Transport, Power, Markets and other services, Agriculture Economy- Structure and characteristics of Indian agriculture, Role of agriculture in economic
  • development, agriculture-industry linkages, Resources and technical changes in agriculture, Emerging issues in Indian Agriculture.
  • C) Rural Development Policy- Govt. policies and programmes for rural farm and non-farm
  • sectors. Economic reforms and its impact on rural economy. Rural Issues- Development
  • issues, Management Issues, Marketing issues, Pricing issues.
  • Unit II Financing Rural Development A) Function and policies of RBI in Rural Banking, NABARD- Main functions, role, refinance
  • support. Lead bank approach, State level and District Level Credit committees.
  • B) Regional Rural Banks (RRBs): Concept, Origin, Functions, Regulations, ownership, Management, Challenges faced by RRBs, Role of Information and communication
  • technologies in rural Banking C) Rural Credit Institutions- Co-operative Credit Societies and Banks, Land Development
  • Banks, Commercial Banks.

Module II: (2CREDITS)

  • Unit III Financing Agriculture and Allied Activities A) Financing agriculture-Crop Loans- Assessment, Sanction, Disbursement, rephasement.
  • Term loans for irrigation, Farm mechanization, Godowns/ cold-storage facilities etc.
  • Financing allied agriculture activities like Horticulture, Fisheries, Social forestry, etc.
  • Finance against Warehouse/ cold storage receipts.
  • B) Financing Rural Non-Farm Sector (RNFS)- Importance and role of RNFS, SME Finance - Financing of SME and small enterprise, Refinance from SIDBI. Project funding techniques
  • and requirement assessment. Cluster based approach and joint finance with SIDBI.
  • C) Self-Employment generation schemes-Prime Minister’s Employment Generation
  • Programme (PMEGP), Mukhya Mantri Yuva Udyami Yojana, Mukhya Mantri Swarojgar
  • Yojana, Mukhya Mantri Arthik Kalyan Yojana, -progress and impact, problems and deficiencies. Rural housing schemes under priority sector, their refinance, Educational
  • loans.
  • Unit IV Problems and Prospects in Rural Banking A) Problems of Rural branches of Commercial banks, Co-operative Banks - transaction costs
  • and risk costs. Technology based Financial Inclusion, E-Banking in rural area, B) Micro Credit, Self Help Groups/ NGOs, linkages with banking, Prime Minister Jan Dhan
  • Yogana (PMJDY): Genesis, Objectives, Overdraft facility under PMJDY, latest guidelines
  • of GOI and RBI, C) Micro Units Development and Refinance Agency (MUDRA)-Meaning, Eligibility, role in rural development, State Cooperative Agriculture and Rural Development Bank
  • (SCARDB)- Meaning, Eligibility, role in rural development, Indigenous Bankers- Policy of the Government on Indigenous banking.

References

  • 1 "Rural Development and Demographic Change in India" by K. S. James, 2018, Springer
  • 2 "Rural Banking: Challenges and Opportunities" by S. K. Misra, 2020, Pearson Education India
  • 3 "Poverty Alleviation Programmes in India" by S. Mahendra Dev, 2020, Oxford University Press
  • 4 "MSME Financing in India" by Rajesh Kumar, 2019, Routledge

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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