Semester 2

Banking Legislation in India: Banking Companies Act, 1949 - Banking Regulation Act, 1949- objectives, important provisions: definitions – banking, banking company, approved securities, Demand and Time Liabilities; permitted and prohibited business of a banking company; capital requirements; maintenance of liquid assets; powers of the RBI – cash reserve, licensing of banking companies. Branch Licensing, Branch Authorisation Policy for Commercial Banks, Setting Up of a New Bank, New Bank Licensing Policy, 2013. Banker and Customer: general and special relationship between a banker and customer; obligations of banker. Banking Ombudsman. Types of customers. operation and closing of different types of bank accounts. New types of accounts – flexi deposits, tailor made schemes, special types of bank customers. Accounts of Non Resident Indians. Regulations regarding KYC/AML. Law relating to Negotiable Instruments: characteristics of negotiability, types, negotiation and assignment , endorsement; crossing of cheques; collecting banker – legal status – statutory protection– duties; paying banker –dishonor of cheques, statutory protection, payment in due course, holder and holder in due course. Lien, pledge, mortgages, hypothecation, guarantee and indemnity, co-obligant.

Course duration 115 days 

Education: Meaning, definition & Types; Extension Education- meaning, definition, scope and process; objectives and principles of Extension Education; Extension Programme planning- Meaning, Process, Principles and Steps in Programme Development. Extension systems in India: extension efforts in pre-independence era (Sriniketan, Marthandam, Firka Development Scheme, Gurgaon Experiment, etc.) and post-independence era (Etawah Pilot Project, Nilokheri Experiment, etc.); various extension/ agriculture development programmes launched by ICAR/ Govt. of India (IADP, IAAP, HYVP, KVK, IVLP, ORP, ND,NATP, NAIP, etc.). New trends in agriculture extension: privatization extension, cyber extension/ e-extension, market-led extension, farmer-led extension, expert systems, etc.

Rural Development: concept, meaning, definition; various rural development programmes launched by Govt. of India. Community Dev.-meaning, definition, concept & principles, Philosophy of C.D. Rural Leadership: concept and definition, types of leaders in rural context; extension administration: meaning and concept, principles and functions. Monitoring and evaluation: concept and definition, monitoring and evaluation of extension programmes; transfer of technology: concept and models, capacity building of extension personnel; Extension teaching methods: meaning, classification, individual, group and mass contact methods

Introduction concepts and conventions of accounting. Meaning and Definition of Book keeping. Double entry system of book keeping. Practical system of Accounting. Bank reconciliation statement. Concepts of Capital and Revenue. Preparation of trial balance and preparation of Final accounts. Depreciation accounting – Methods of depreciation. Indian Accounting Standards

Plant pathology- Importance of plant diseases- Definition- Objectives- History of Plant Pathology-Terminologies in plant pathology- Important plant pathogenic organisms with examples of disease caused by them. Diseases due to abiotic causes. Causes/ factors affecting disease development. Parasitism, Variability of plant pathogens. Defense mechanism in plants. Pathogenesis. Role in disease development- Enzymes, Toxins, Growth regulators.

Concept of agri-business co-operatives, Economic liberalization and agri-business co-operatives, Agri-business Co-operative models: Agricultural Co-operatives in the Republic of Korea- Structure and functions, Multi-purpose model of Agricultural Co-operatives in Japan, Agricultural Grain Co-operatives in USA, Agricultural Cooperatives of Germany-structure and functions, Dairy Co-operatives of Netherlands-structure and functions, Dairy Co-operatives of Denmark-structure and functions, Agricultural Cooperatives of France-structure and functions, Agricultural Co-operatives of Sweden, Agricultural Co-operatives of Canada-structure and functions, Agricultural Co-operatives of Israel--structure and functions, Agricultural Co-operatives of China- structure and functions. Agricultural Co-operatives of Thailand- structure and functions. Role of International Co-operative Alliance (ICA) in the promotion of agri-business co-operatives, International Co-operative Agri-business Support organisations : Food and Agricultural Organisation (FAO), International Labour Organisation(ILO), International Fund for Agricultural Development(IFAD).

Macro-Economics: nature, scope and significance. National income: concepts and meaning, measurement methods, estimation of national income in India. Circular flow of income, two sector, three sector and four sector models, flow of funds and input output out analysis. Money: Barter system of exchange and its problems, evolution, meaning and functions of money, classification of money. Money supply: definition, components of money supply, determinants of money supply, money supply In India. Theories of demand for money-Quantity theory of money, Cambridge approach, post Keynesian theories- Inventory Management theory of Baumol, Portfolio approach of Tobin, Restatement of Quantity theory of Money by Milton Friedman. Theories of income and employment: Classical theory of employment, Say’s law of markets, Keynesian Psychological Law of consumption, income and employment multiplier, balanced budget multiplier, multiplier accelerator interaction: Money interest and prices, theories of interest, liquidity preference, loanable funds and modern theories. Theories of inflation: types, inflationary gap, structuralist and monetary approaches, Philip’s curve, causes and effects of inflation, control of inflation, trends in inflation in India

Definition and Meaning of Physical Fitness - Values of Physical Fitness - Components of Health Related Physical Fitness and Athletic related Physical Fitness – Health benefits of Physical Activity- Hypo kinetic/ life style diseases and its management.

First Aid - Treatment - Laceration – Blisters – Contusion - Strain – Sprain – Fracture – Dislocation and Cramps – Bandages – Types of Bandages – trapping and supports.

Concept of Yogic Practices-Kinds of Yogic Practices:Asana, Pranayama, Kriya, Bandha, Murda, Dhyana.

Asana: Definition, Scope and Limitation of Asanas – Classification of Asanas – Meditative Asanas – Relaxative Asanas-Cultural Asanas – Step by Step Performance of Asanas - Safety Measures and Precautions.

Pranayama: Meaning – different Phases in Pranayama Practice: Puraka (Inhalation), Kumbhaka (Retension) and Recaka (Exhalation) – Breathing Ratio in Pranayama Practice – Application of Bandhas in Pranayama – Safety Measures and Precautions.

Meaning and Concepts of Meditation.

Practical (Optional: Any two will offer according to the infrastructure facilities available)

Track & Field, Games (Basketball, Volleyball, Football, Shuttle Badminton, Cricket), Health Related Physical Fitness Test (Compulsory)

Technological Advances in Banking; Communication Networks in Banking System, electronic banking, Automated Clearing Systems, CHIPS, Electronic Fund Transfer: ECS, RTGS, NEFT, IMPS, IFSC, ATM card, debit card, credit card, RuPay card, CBS, Internet Banking, Mobile banking, Digital Wallets, Digital banking, Cloud Computing, CTS, International payment systems, SWIFT, RBI- Payment and Settlement system, Digital certificate, Digital signature, CDM, cashless economy, Cashless payment system. Competition in Indian Banking - Non-bank actors - Peer to Peer lending, Crowd-funding, Prepaid Instruments (PPI), TReDS. Regulatory requirements for functioning of banks: management of Non Performing Assets; IRAC norms, concept of Debt Restructuring. Capital Adequacy Ratio: Overview of Basel Norms. Credit rating for banks: CAMELS rating; concept of Asset Liability Management in banks; types of risks. Financial Sector Legislative Reforms Commission (FSLRC), 2011. Deregulation of interest rates: MCLR, BPLR. PMJDY, PMAY, PMSBY, PMJJBY, PMMY. Major recommendations of the Committee on Comprehensive Financial Services for Small Businesses and Low Income Households.

Definition of Statistics - methods of data collection, Classification and tabulation of data-Frequency distribution –Graphical representation of data.

Measures of central tendency – Arithmetic, Geometric and Harmonic means. Median and Mode- their properties and relative merits and demerits.

Measures of dispersion - Range, inter quartile range, quartile deviation mean absolute deviation, standard deviation and coefficient of variation, their properties and merits and demerits. Lorentz curve and Gini’s ratio

Measures of Shape – Skewness and kurtosis

Correlation – Scatter diagram, product moment correlation coefficient, rank correlation coefficient

Regression – linear regression involving two variables – fitting of regression coefficient, coefficient of determination.

Probability – Random experiments, Classical, Statistical and Axiomatic definition of probability. Addition and Multiplication theorems. Conditional Probability. Inverse probability – Bay’s theorem. Random variables -Discrete and continuous

Probability distributions – Binomial, Poisson, Normal and standard normal distributions- their properties