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Exam Guides — Banking Law
25 detailed 16-mark model answers across 5 units. Each guide covers all possible essay-type exam questions with color-coded highlights, mind maps, case laws, and structured answers ready for KSLU exams.
Unit 1
Introduction to Banking Law
Origin & development of banking in India. RBI — functions & role. Banker-customer relationship — nature & types. KYC norms & anti-money laundering. Rights & obligations.
Unit 2
Deposits & Accounts
Types of deposits — demand, time & recurring. Special customers — joint, minor, insolvents, lunatics. Nomination & settlement of deceased depositor claims. Passbook. Garnishee order.
Unit 3
Loans, Advances & Credit Control
Types of credit facilities — loans, overdraft & cash credit. Credit control by RBI — quantitative & qualitative methods. Pledge, hypothecation & mortgage. Banker's lien & set-off.
Unit 4
Negotiable Instruments
NI Act 1881 — promissory note, bill of exchange, cheque. Crossing of cheques. Endorsement — kinds. Paying & collecting banker. Dishonour under S.138. Material alteration.
Unit 5
Lending, Ombudsman & E-Banking
Good lending principles. Securities for advances. Banking Ombudsman — powers & functions. E-Banking services & recent trends. DRT & SARFAESI Act.
📋 Case Studies
Banking Law Case Study Answers
Problem-type case study answers covering banking disputes, cheque dishonour, NPA recovery, SARFAESI proceedings & consumer protection scenarios.