🚀 Bank & Insurance Management – University Exam Special

This course is designed to make Bank & Insurance Management simple, structured and score-friendly for today’s students. Instead of getting lost in bulky books and random material, you get concept-based Video Explanations + Toppers Notes + smart university-focused preparation — all in one place. 🔥

Get everything you need in one place: Toppers Notes + Video Explanations + Exam-Focused Preparation.

📚 What You’ll Get

• ✅ Complete Bank & Insurance Management syllabus coverage
• ✅ Easy-to-understand Video Explanations
• ✅ Well-organized Toppers Notes
• ✅ Important concepts explained from basic to advanced
• ✅ Focus on high-weightage & frequently asked topics
• ✅ Important Questions for university preparation
• ✅ Quick Revision of key concepts
• ✅ Simple examples for better understanding
• ✅ Smart study approach — less confusion, better preparation

🎯 What You’ll Learn

UNIT I : RBI and Banking Regulation Act Banking Structure in India- Reserve Bank of India (RBI), Role of Reserve Bank as a regulator of banking system, Provisions of Banking Regulation Act 1949 & Reserve Bank of India Act 1934. The Banking Regulation (Amendment) Act. 2017. Provisions of Negotiable Instrument Act. 1881. Provisions of Negotiable Instruments (Amendment) Act. 2018.

UNIT II :  Overview of Banking Industry: Commercial Banks, Rural Banks, Non- Banking Financial Corporation's (NBFCs) and Co-operative banks their role and significance, Interactional Banking. Capital Adequacy norms for banks- Statutory Liquidity Ratios (SLR), Cash Reserve

Ratio (CRR), Capital Adequacy Ratio (CAR), CAMELS Rating, BASEL accords I, II and III. Banking Risks: Credit, Liquidity, Market, Operational, Interest Rate and Solvency Risks.

UNIT III : Banking Operations: Customers accounts with banks, Opening- operation, KYC norms and operation, Types of accounts and customers, Nomination. Core banking solutions, Bank as a lender, Types of loans, Overdraft facilities Discounting of bills, financing book dates and supply bills, Charging of Security bills, pledge, mortgage, assignment.

UNIT IV: Asset liability Management by Banks: Management of NPAS, Asset Reconstruction Company and its role, Securitization and Reconstruction of Financial Assets and Enforcement of Securities Interest Act, 2002 (SARFAESI Act).

UNIT V : Digital Banking& Banking Frauds: Digital Banking in India and evolution, Digital

Darwinism, Various Avenues of digital Banking-Banking cards, USSD, Aadhaar Enabled Payment System (AEPS), UPI, Mobile Wallets, Bank pre-paid cards, Point of Sale (POS), Internet Banking, Mobile Banking, Bharat Interface for Money (BHIM) app. Rupay Card, Debit, Credit, and Smart cards, EFD, RTGS. Money Laundering. Internet Banking Frauds, Phishing, Viruses and Trojans, Spyware and Adware, Card Skimming & scams.

UNIT VI: Risk and Insurance: Defining Risk, Nature and Types of risk, Risk Management Process, Risk and its relation with Insurance, Concept and significance of Insurance, Insurance Act 1938, Insurance Laws (Amendment) Act, 2015.Classification of Insurance Life and Non-life, General Principles of Insurance, Insurance Application and Acceptance Procedure.

UNIT VII : Life Insurance: Principles, Products Term Insurance Endowment, Insurance, Pensions, Annuities, Claim Management. Premium calculations.

General Insurance: Principles, Products. Fire, Marine, Motor Vehicles, Public Liability, Third Party Insurance, Miscellaneous Mediclaim and Health Policies, Group Insurance, Burglary Insurance.

UNIT VIII : IRDA: Functions and Importance. Recent Developments in Insurance. Bank insurance, Premium Payment Lapse and Revival. Premium Calculations. Concept of Mortality Tables. Assignment. Nomination, Loans, Surrenders. Foreclosure. Reinsurance. Underwriting.