Master of Commerce (M.Com.) Management of Banking Products and Services Syllabus - Mumbai University

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Syllabus for Management of Banking Products and Services

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

Module I: Deposit & Loan Products (2 CREDITS)

Unit 1 Demand and Time Deposits
1 Demand and Time Deposits: Different types of accounts, o Different types of accounts, Types (short-term, long-term) and options (interest
payout or cumulative).
o Practical calculation of interest and maturity value using case scenarios.
Recurring Deposits: Explanation of their purpose, popularity, and maturity o
value calculations.
2 Innovative Deposit Products
o Explore customized products like flexi-fixed deposits, senior citizen deposits, and tax-saver FDs.
o Analyze their unique features and market positioning strategies.
3 Regulatory Requirements
o Overview of Know Your Customer (KYC) requirements, Prevention of Money
Laundering Act (PMLA), and other compliance guidelines.
o Discuss the impact of these regulations on deposit product operations and customer onboarding.
Unit 2 Personal and Business Finance
1 Personal Finance Products
o Types of Loans: Detailed analysis of housing loans, vehicle loans, education
loans, personal loans, and gold loans.
o Key Loan Features: Loan tenure, EMI calculation, interest types (fixed vs.
floating), processing charges, and prepayment conditions.
o Practical exercises: EMI calculation for different loan products using formulas or software.
2 Business Finance Products
o Cash Credit and Overdraft Facilities: Explanation of working capital financing
and overdraft limits.
o Term Loans: Differentiation between mortgage and non-mortgage term loans.
o Case Studies: Analysis of lending products tailored for SMEs and large corporations.
3 Loan Approval Process
o Overview of the end-to-end loan approval process, including creditworthiness
assessment, documentation, and sanctioning.
o Role-play activity: Students simulate a loan approval scenario as bank officials.
o Fixed vs. Floating Rate Loans, Discuss how RBI’s Repo and Reverse Repo
rates influence lending rates.

Module II: Other Products and Services (2 CREDITS) printed in the syllabus as Module III

Unit 3 Banking Products
1 Certificate of Deposits (CDs)
o Explanation of CDs as negotiable money market instruments.
o Discuss their features, issuance process, and target customers (corporates, institutions).
2 Fund-Based Services
o Bill Purchase and Discount: Mechanism, benefits for businesses, and risk assessment.
o Lease Finance and Hire Purchase Finance: Key differences, advantages for businesses, and practical use cases.
o Practical exercises: Simulate scenarios involving bill discounting and leasing agreements.
3 Non-Fund Based Services
o Letter of Credit (LC): Importance in trade finance, types (sight, usance), and advising/confirmation.
o Bank Guarantees and Letters of Undertaking (LOU): Role in securing credit
and trade obligations.
o Other Services: Credit reports, solvency certificates, and co-acceptance of bills.
o Case Study: Analyze the use of LC in an international trade transaction.
Unit 4 Banking Associated Services
1 Additional Banking Services
o Executors and Trustees: Role of banks in estate and trust management.
o Safe Deposit Vaults: Features and operational procedures.
o Payment and Settlement Services: Overview of cheque processing, pay
orders, demand drafts, and electronic systems like RTGS, NEFT, ECS.
2 Digital Banking Products
o Prepaid Cards and Wallet Services: Features and applications.
o Credit Cards and Debit Cards: Key features, differences, and benefits.
o ATM Services and Standing Instructions: Operational benefits for customers and banks.
o Discussion on innovations in digital banking services and their impact on customer convenience

References

1 Indian Institute of Banking & Finance, "Banking Products and Services."
2 K.C. Shekhar & Lekshmy Shekhar, "Banking Theory and Practice."
3 Reserve Bank of India publications on banking regulations.
4 Research papers and case studies on banking product management.
5 Government guidelines and industry reports on banking innovations.

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. Modules are numbered in sequence here; in the syllabus itself, Module II is printed as Module III. The PDF above is the syllabus's own page, unaltered.

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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