*0404* 0404

IV Semester of 3 Years LL.B. Examination, December 2012

Optional – II : BANKING LAW

Duration : 3 Hours Max. Marks : 100

Instructions : 1. Answer all 5 Questions.

2. Answer should be either in English or Kannada only.
3. All questions carry equal marks.

UNIT – I

Q. No. 1. (a) Discuss the functions of commercial banks of India. Marks :15
»ÝÃÜñ- ¨
-Ü È
-Ü É®Ü ÊÝ~g ¸ÝÂíPÜáW- ÙÜ Ü PÝÃÜÂW- Ù-Ü ®Ü áÜ ° aÜbì-ÔÄ- .
OR/A¥ÜÊÝ
Explain the salient features of Banking Regulation Act 1949.
¸ÝÂíQíW ÃæWã
Ü Â-Çàæ Í- ®Ü A—-¯¿
- áÊÜá, 1949ÃÜ ±ÜÅ«Ý®Ü AíÍÜW- Ù-Ü ®Ü áÜ ° ËÊÜÄÔÄ.
(b) Write note on : 5
q±Ü³~ ŸÃæ-Àá-Ä :
Types of Banks
ËË«Ü ŸWæ¿á ¸ÝÂíPÜáW- Ù-Ü áÜ
OR/A¥ÜÊÝ
R.B.I.
BÃ .-¹.-I.
UNIT – II

Q. No. 2. (a) Discuss the ways by which a banker can make profitable
uses of funds with him. Marks : 15
¸ÝÂíPÜ-ÃÜ®Üá ñܮܰ ŸÚ CÃÜáÊÜ ÖÜ|¨Ü ¯—-¿á®Üá° ÇݻܨݿáPÜÊÝX
E±ÜÁãà-XÓ- Æ Ü á CÃÜáÊÜ ¨ÝÄ-WÙ-Ü ®Ü áÜ ° aÜbì-ÔÄ- .
OR/A¥ÜÊÝ
Discuss the advantages of advances secured by collateral
securities.
±ÜäÃÜPÜ »Ü¨ÅÜ ñ- À
-æ áí¨Ü ÓÝÆPæR ¯àw¨Ü »Ü¨ÅÜ ñ- ¿
æ á ±ÜÅÁãà-g®- W-Ü Ù-Ü ®Ü áÜ ° aÜbìÔÄ.
P.T.O.
0404 -2- *0404*
(b) Write note on : 5
q±Ü³~ ŸÃæ-Àá-Ä :
Financing of exports
ÃÜ´âÜ ¤Ë
- Wæ ÖÜ|P- ÝÓÜá ®æÃÊ
Ü âÜ
OR/A¥ÜÊÝ
Agency services.
PÝ¿áì-»ÝÄ ÓæàÊæ-WÜÙÜá.
UNIT – III

Q. No. 3. (a) Define cheque. Distinguish cheque from Bill of Exchange. Marks :15
"aæP ' C¨ÜÃÜ ÊÝÂTæ Pæãw. aæP®Ü áÜ ° ˯-ÊáÜ ¿á ±ÜñÅÜ ©
- í¨Ü ÊÜÂñÝÂ-ÔÔ- Ä- .
OR/A¥ÜÊÝ
Define ‘Holder’ and ‘Holder in Due Course’. Are there any
differences between them ?
"«ÝÃÜP- Ü ' ÊÜáñÜᤠ"PÝÆ-PÅÜ Ê- áæ à-|«
- Ý-ÃP-Ü Ü ' CÊÜâW- ÙÜ Ü ÊÝÂTæÂ- Pæãw. AÊÜâW- ÙÜ Ü ÊÜá«ÜÂ
H®Ý-¨ÃÜ ã Ü ¼®Üñ-° W-æ ÙÜ áÜ CÊæÁáà ?
(b) Write note on : 5
q±Ü³~ ŸÃæ-Àá-Ä :
‘Protection to paying banker’.
"±ÝÊÜ£ ¸ÝÂíPÜÃ- ¯-Ü Wæ ÃÜPÒÜO
- W-æ Ù-Ü áÜ '
OR/A¥ÜÊÝ
‘Noting and protest’
"q±Ü~
³ ŸÃæ¿
- áá-ÊâÜ ¨
- áÜ ÊÜáñÜᤠ±ÜÅ£»
- o
-Ü ®- æ'.
UNIT – IV

Q. No. 4. (a) Explain the term ‘customer’. State the relationship between
Banker and customer. Marks : 15
"WÝÅÖP-Ü Ü ' GíŸ ±Ü¨Ê -Ü ®Ü áÜ ° ËÊÜÄ- Ô- Ä. ¸ÝÂíPÜÃÜ ÊÜáñÜᤠWÝÅÖPÜ Ü CÊÜÃÜ ÊÜá«æÂ
CÃÜáÊÜ ÓÜíŸí«ÜW- Ù-Ü ®Ü áÜ ° ÖæàÚ-Ä.
OR/A¥ÜÊÝ
“Banker’s obligation to maintain the secrecy of customer’s
account is not absolute”. Comment.
""WÝÅÖPÜ ®Ü Ü TÝñæ¿á Wè±ÜÂñ- ¿ -æ á®Üá° PݱÝ-váÜ Ê
- âÜ ¨Üá ¸ÝÂíPÜÃ- ®Ü Ü ¯ÃÜá±
- Ý-©PÜ
ÖæãOæWÝ-ÄP- ¿ -æ á-ÇÝÉ''. qàQ-ÔÄ- .
*0404* -3- 0404
(b) Write note on : 5
q±Ü³~ ŸÃæ-Àá-Ä :
‘Banker’s lien’
"¸ÝÂíPÜÃ- ®Ü Ü WÝÅÖO
-Ü Ý-—P- Ý-ÃÜ '
OR/A¥ÜÊÝ

Banker’s right of set-off.

¸ÝÂíPÜÃ- ®Ü Ü ÊÜhÝ-Êo
Ü ár ÖÜPáÜ R.
UNIT – V

Q. No. 5. (a) State the nature of relationship between a banker and a

customer in regard to a safe deposit vaults. Marks : 15
»Ü¨ÅÜ s- àæ Ê
- ~
Ü PÜáÄ-ñíÜ ñæ ¸ÝÂíPÜÃ- ®Ü Ü ÊÜáñÜᤠWÝÅÖPÜ ®Ü Ü ÊÜá«Ü CÃÜáÊÜ ÓÜíŸí«ÜW- ÙÜ Ü
ÓÜÌÃÜã±Ü ÖæàÚ-Ä.
OR/A¥ÜÊÝ

Discuss the provisions relating to establishment of office of

banking Ombudsman under Banking Ombudsman Scheme
2002.
¸ÝÂíQíW KíŸ-v Ê -Õ áÜ ®Ü ÔRÊåÜ 2002ÃÜw¿ - áÈÉ ¸ÝÂíQíW KíŸ-v Ê
Õ áÜ ®
PÝÃÝÂ-Æ¿á Óݧ±®-Ü Wæ æ CÃÜáÊÜ ¯¿á-ÊáÜ W- Ù-Ü ®Ü áÜ ° aÜbì-ÔÄ- .
(b) Write note on : 5
q±Ü~
³ ŸÃæÀ
- á-Ä :
‘Travellers cheque’.
"±ÜÅÊÝ-ÔWÜÃÜ aæPáÜ RW- Ù-Ü áÜ
OR/A¥ÜÊÝ

Cyber evidence
"ÓæçŸÃ ÓÝPÜÒ ' .
________________
*04040805* 0404/0805

IV Semester of 3 Year LL.B./VIII Semester of 5 Year B.A.,LL.B./

B.B.A.,LL.B. Examination, December 2013
Optional – II : BANKING LAW

Duration : 3 Hours Max. Marks : 100

Instructions : 1. Answer all 5 questions.

2. Answers should be either in English or Kannada only.
3. All questions carry equal marks.

UNIT – I

Q. No. 1. (a) Critically examine the contributions of Regional Rural Banks

in promoting rural economy. Marks : 15

WÝÅËáà| B¦ìPÜ A¼ÊÜ꩜¿áÈÉ WÝÅËáà| A¼ÊÜ꩜ ¸ÝÂíPÜáWÜÙÜ

PæãvÜáWæ¿á®Üá° ËÊÜáÍÝìñܾPÜÊÝX ±ÜÄÎàÈÔÄ.
OR/A¥ÜÊÝ

Discuss the management and functions of Reserve Bank of

India.

»ÝÃÜ£à¿á ÄÓÜÊ ì ¸ÝÂíQ®Ü BvÜÚñÜ ÊÜáñÜᤠPÝ¿áìÊÜ®Üá° aÜbìÔÄ.

(b) Write a note on : Marks : 5

q±Ü³~ ŸÃæÀáÄ :
State Bank of India.

Óæràp ¸ÝÂíP B´ Cíw¿Þ.

OR/A¥ÜÊÝ

Scheduled and non-scheduled banks.

ÊÜXìàPÜêñÜ ÊÜáñÜᤠAÊÜXìàPÜêñÜ ¸ÝÂíPÜáWÜÙÜá.

P.T.O.
0404/0805 -2- *04040805*
UNIT – II

Q. No. 2. (a) Explain the objects and features of Securitisation Act, 2002. Marks : 15

2002 ÃÜ ÓæPã
Ü ÂÄpæçÓàæ ÍÜ® A—¯¿áÊÜá¨Ü E¨æઠÍÜ ÊÜáñÜᤠÊÜááS ÆPÜÒ|WÜÙ®Ü áÜ °
ËÊÜÄÔÄ.
OR/A¥ÜÊÝ

Explain the precautions to be taken by a banker while lending

against goods.

¸ÝÂíPÜÃÜÃÜá ÓÜÃÜPÜáWÜÙÜ B«ÝÃÜ¨Ü ÊæáàÇæ ÓÝÆ PæãvÜáÊÝWÜ ¿ÞÊÜ Äࣿá

ÊÜáá®æ°aÜcÄPæWÜÙÜ®Üá° ñæWæ¨ÜáPæãÙÜÛ¸æàPæíŸá¨Ü®Üá° ËÊÜÄÔÄ.
(b) Write short note on : Marks : 5

q±Ü³~ ŸÃæÀáÄ :
Priority sector advances.

B¨ÜÂñÝ ÊÜÆ¿á ÊÜááí±ÝÊÜ£.

OR/A¥ÜÊÝ

Financing of exports.

Ãܵ¤Wæ ¸ÝÂíPÜáWÜÙÜ ÖÜ|PÝÓÜá ®æÃÜÊÜâ.

UNIT – III

Q. No. 3. (a) Define cheque and explain the different kinds of crossing of
cheque and its effects. Marks : 15

"aæP ' C¨ÜÃÜ ÊÝÂTæ Pæãw. ËË«Ü Äࣿá ÃæàUñÜ (AvÜxWæÃæ ) aæPÜáRWÜÙÜ®Üá°
A¨ÜÃÜ ±ÜÄOÝÊÜáWÜÙæãí©Wæ ËÊÜÄÔ.
OR/A¥ÜÊÝ

Who is a holder ? Explain the rights of a holder in due course.

"«ÝÃÜPÜ ' ®æí¨ÜÃæ ¿ÞÃÜá ? PÜÅÊÜÞ®ÜáWÜñÜ «ÝÃÜPÜ®Ü ÖÜPÜáRWÜÙÜ®Üá° ËÊÜÄÔ.

*04040805* -3- 0404/0805

(b) Write note on : Marks : 5

q±Ü³~ ŸÃæÀáÄ :
Material alternation.

ÊÜáÖÜñÜÌ¨Ü »è£PÜ Ÿ¨ÜÇÝÊÜOæ.

OR/A¥ÜÊÝ

Bills in sets.

±ÜÅ£WÜÙÜÈɨܪ ˯ÊÜá¿á ±ÜñÜÅWÜÙÜá.

UNIT – IV

Q. No. 4. (a) ‘‘Banker’s duty of secrecy is not absolute’’. Explain when the
disclosure of account is justified. Marks : 15

""¸ÝÂíPÜÃÜ®Ü ÃÜÖÜÓÜ ±ÝÆ®Ý PÜñÜìÊÜÂÊÜâ ¯ÃÜá±Ý©PÜÊݨÜá¨ÜÆÉ ''. ¿ÞÊÜ

ÓÜí¨Ü»ÜìWÜÙÜÈÉ TÝñæ¿á®Üá° Ÿ×ÃÜíWÜ ±ÜwÓÜáÊÜâ¨Üá PÜÅÊÜ៨ܜÊÝXÃÜáñܤ¨æ
GíŸá¨Ü®Üá° ËÊÜÄÔ.
OR/A¥ÜÊÝ

Discuss the various precautions to be taken by a banker

while opening and operating account of
a) agent
b) married woman and
c) partnership firm.

¸ÝÂíPÜÃÜ®Üá PæÙÜX®Ü ËÐÜ¿áWÜÙÜ ÊæáàÇæ TÝñæ¿á®Üá° ñæÃæ¿ááÊÝWÜ ÊÜáñÜá¤

ÊÜÂÊÜÖÜÄÓÜáÊÝWÜ A®ÜáÓÜÄÓܸæàPÝ¨Ü ÊÜáá®æ°aÜcÄPæWÜÙÜ®Üá° aÜbìÔÄ :
a) PÝ¿áì»ÝÄ
b) ËÊÝ×ñÜ ÊÜá×Ùæ
c) ±ÝÆá¨ÝÄPæ ÓÜíÓæ§ .
0404/0805 -4- *04040805*
(b) Write note on : Marks : 5
q±Ü³~ ŸÃæÀáÄ :
Banker’s right to set-off.
¸ÝÂíPÜÃÜ®Ü ÊÜhÝÊÜoár ÖÜPÜáR.
OR/A¥ÜÊÝ
Saving account and current A/c.
EÚñÝ¿á TÝñæ ÊÜáñÜᤠaÝȤ TÝñæ.
UNIT – V

Q. No. 5. (a) Explain the various E-banking services. Marks : 15

C&¸ÝÂíQíW ®Ü ËË«Ü ÓæàÊæWÜÙÜ®Üá° ËÊÜÄÔÄ.
OR/A¥ÜÊÝ
Explain the powers of Banking Ombudsman.
¸ÝÂíQíW KíŸv ÕÊÜá® ®Ü A—PÝÃÜWÜÙÜ®Üá° ËÊÜÄÔÄ.
(b) Write a note on : Marks : 5
q±Ü³~ ŸÃæÀáÄ :
Credit card.
PæÅwp PÝv ì.
OR/A¥ÜÊÝ
Travellers cheques.
±ÜÅÊÝÔWÜÃÜ aæPÜáRWÜÙÜá.
________________
*04040805* 0404/0805
Fourth Semester 3 Yrs. LL.B./Eight Semester 5 Yrs. B.A. LL.B./
B.B.A. LL.B. Examination, December 2014
BANKING LAW (Optional – II)

Duration : 3 Hours Max. Marks : 100

Instructions : 1. Answer Q. No. 9 and any five of the remaining questions.

2. Q. No. 9 carries 20 marks and the remaining questions
carry 16 marks each.
3. Answers should be written either in English or Kannada
completely.
ÓÜãaÜ®æWÜÙÜá : 1. ±ÜÅÍæ° ÓÜíTæ 9 ÊÜáñÜᤠEÚ¨Ü ¿ÞÊÜâ¨Ý¨ÜÃÜã 5 ±ÜÅÍæ°WÜÚWæ EñܤÄÔÄ.
2. ±ÜÅÍæ° ÓÜíTæ 9PæR 20 AíPÜWÜÙÜá ÊÜáñÜᤠEÚ¨Ü ±ÜÅ£ ±ÜÅÍæ°Wæ 16 AíPÜWÜÙÜá.
3. EñܤÃÜÊÜ®Üá° ÓÜí±Üä|ìÊÝX CíXÉàÐ A¥ÜÊÝ PܮܰvܨÜÈÉ EñܤÄÔÄ.

Q. No. 1. Explain the functions of Commercial Banks. Examine the recent

trends in the functioning of Commercial Banks in India.
ÊÝ~g ¸ÝÂíPÜáWÜÙÜ PÝ¿áìWÜÙÜ®Üá° ËÊÜÄÔ. »ÝÃÜñܨÜÈÉ ÊÝ~g ¸ÝÂíPÜáWÜÙÜ
PÝ¿áìWÜÙÜÈÉ C£¤àb®Ü ¸æÙÜÊÜ~WæWÜÙÜ®Üá° ËÊÜÄÔ.

Q. No. 2. Describe the role of Reserve Bank of India in the economic

development of the country.
¨æàÍÜ¨Ü B¦ìPݼÊÜê©¿
œ áÈÉ »ÝÃÜ£à¿á ÄÓÜÊ ì ¸ÝÂíQ®Ü ±ÝñÜÅ樆 áÜ ° PÜáÄñÜá
ËÊÜÄÔ.

Q. No. 3. Explain the objectives and features of Securitisation Act, 2002.

2002 ÃÜ ÓæPã
Ü ÂÄpæçÓàæ ÍÜ® A—¯¿áÊÜá¨Ü E¨æઠÍÜ ÊÜáñÜᤠÊÜááS ÆPÜÒ|WÜÙ®Ü áÜ °
ËÊÜÄÔ.

Q. No. 4. What is Endorsement ? Explain the different types of

Endorsement.
×íŸÃÜÖÜ Gí¨ÜÃàæ ®Üá ? ËË«Ü Äࣿá ×íŸÃÜÖWÜ ÙÜ ®Ü áÜ ° ËÊÜÄÔ.

P.T.O.
0404/0805 -2- *04040805*
Q. No. 5. Discuss the Banker’s obligation to maintain the secrecy of the
customer’s account.
WÝÅÖPÜ ÃÜ Ü TÝñæ¿á Wè±ÜÂñæ¿á®Üá° PݱÝvÜáÊÜÈÉ ¸ÝÂíPÜà ®Ü ÖæãOæWÝÄPæ¿á®Üá°
aÜbìÔ.

Q. No. 6. What precautions should a banker take in opening a new account

in the name of a Minor and ‘company’ ?.
"PÜí±Ü¯' ÊÜáñÜᤠ"A±Ýűܤ ÊÜ¿áÔÕ®ÜÊÜÃÜá' ¸ÝÂíQ®ÜÈÉ ÖæãÓÜ TÝñæ ñæÃæ¿ááÊÜ
ÓÜ Ê Ü á ¿á¨Ü È É ¸ÝÂíPÜ Ã Ü ® Ü á ñæ W æ ¨ Ü á Pæ ã ÙÜ Û ¸æ à PÝXÃÜ á ÊÜ ÊÜ á áíhÝWÜ Å ñÝ
PÜÅÊÜáWÜÙÝÊÜâÊÜâ ?
Q. No. 7. Discuss power and functions of Banking Ombudsman.
¸ÝÂíQíW KíŸv Ê
Õ áÜ ® CÊÜÃÜ A—PÝÃÜ ÊÜáñÜᤠPÝ¿áìWÜÙ®Ü áÜ ° aÜbìÔ.
Q. No. 8. Write short note on any two of the following.
¿ÞÊÜâ¨Ý¨ÜÃã
Ü GÃÜvPÜ Ræ q±Ü~
³ ŸÃæÀáÔ.
a) State Bank of India.
»ÝÃÜ£à¿á Óæràp ¸ÝÂíP .
b) Special Banking Services.
¸ÝÂíQ®Ü ËÍæàÐÜ ÓæàÊæWÜÙÜá.
c) A.T.M.
G. q. Gí.

Q. No. 9. Solve any two of the following problems.

PæÙXÜ ®Ü ¿ÞÊÜâ¨Ý¨ÜÃã
Ü GÃÜváÜ ÓÜÊáÜ ÓæÂWÜÙ®Ü áÜ ° £àÊÜÞì¯Ô.
a) Mr. Shankar could’t present the cheque received from his
friend due to busy schedule. The period of limitation is about
to expire on a day which happens to be a holiday. Advice
Mr. Shankar.
ÍÜíPÜÃÜ®Üá ñܮܰ Óæ°à×ñܯí¨Ü ±Üvæ¨Ü aæP ®Üá° PæÆÓÜ¨Ü JñܤvÜ¨Ü PÝÃÜ|
¸ÝÂíQWæ ÓÜ È É Ó Ü È ÆÉ . ÃÜ h Ý ©®Ü ¨ Ü í ¨Ü á PÝÆ ±Ü Ä ËᣠAÊÜ —
ÊÜááPݤ¿áÊÝWÜáÊÜâ¨ÜÃÜÈɨæ. ÍÜíPÜÃܯWæ ÓÜÆÖæ ¯àw.
*0404/0805* -3- 0404/0805
b) ‘X’ and ‘Y’ maintain a Joint Savings Bank Account. ‘Y’ informs
the bank that ‘X’ is dead and produces a death certificate
thereof ‘Y’ requests the banker for the payment to him of the
balance in the account. What would you do as a banker ?
Decide.
‘X’ÊÜáñÜᤠ‘Y’ gíq EÚñÝ¿á ¸ÝÂíP TÝñæ¿á®Üá° Öæãí©¨ÜªÃÜá. ‘Y’®Üá
‘X’®Ü ÊÜáÃÜ|¨Ü ŸWæY ±ÜÅÊÜÞ| ±ÜñÜÅ J¨ÜXÔ TÝñæ¿áÈÉ CÃÜáÊÜíñÜÖÜ
EÚPæ ÖÜ|ÊÜ®Üá° ñÜ®ÜWæ ±ÝÊÜ£ÓÜáÊÜíñæ Ë®Üí£Ô¨Ü®Üá. ¸ÝÂíPÜà ®ÝX ¯àÊÜâ
H®Üá PÜÅÊÜá gÃÜáXÓÜᣤàÃÝ ? ËÊÜÄÔ.
c) A customer of a Canara Bank approaches another branch
of the same Bank for loan facility against F.D. receipt of
Rs. 1,00,000.00 issued in his favour. Decide.
Pæ®ÜÃÝ ¸ÝÂíP ®Ü Jí¨Üá ÍÝTæ¿á WÝÅÖÜPÜ®Üá A¨æà ¸ÝÂíQ®Ü C®æã°í¨Üá
ÍÝTæWæ ÖæãàX ¯ÃÜSá sæàÊÜ~ ±ÜñÅÜ ¨Ü A«ÝÃÜ¨Ü ÊæáàÇæ ÃÜã. 1,00,000.00
ÓÝÆPæãvÜáÊÜíñæ ±ÜÅÓݤÊÜ®æ ÊÜáãÆPÜ Ë®Üí£ÓÜáÊÜ®Üá. ¸ÝÂíPÜÃÜ®ÝX D
±ÜÅÓݤÊÜ®æ¿á®Üá° ÖæàWæ ±ÜÄWÜ~ÓܸæàPÜá ? ¯«ÜìÄÔ.

________________
*0404-0805* 0404 / 0805
Fourth Semester 3 Yrs. LL.B. / VIII Semester 5 Yrs. B.A.LL.B. / B.B.A. LL.B.
Examination, December 2015
Opt – II : BANKING LAW

Duration : 3 Hours Max. Marks : 100

Instructions : 1. Answer Q. No. 9 and any five of the remaining questions.

2. Q. No. 9 carries 20 marks and the remaining questions
carry 16 marks each.
3. Answers should be written either in English or Kannada
completely.

Q. No. 1. Discuss briefly the functions of Reserve Bank of India along

with its promotional role. Marks : 16
»ÝÃÜ£à¿á ÄgÊ ì ¸ÝÂíP ®Ü PÝ¿áìWÜÙ®Ü áÜ ° A¨ÜÃÜ ±æäÅàñÝÕÖPÜ Ü ±ÝñÜŨã
æ í©Wæ
aÜbìÔÄ.

Q. No. 2. What are the activities (businesses) permitted by Banking

Regulation Act, 1949 to be taken by the Banker ? Marks : 16
¸ÝÂíQíW ¯¿áíñÜÅ| A—¯¿áÊÜá 1949ÃÜ A®ÜÌ¿á ¸ÝÂíPÜà ¿ÞÊÜ
ÊÜÂÊÜÖÝÃÜWÜÙÜ®Üá° ®ÜvæÓÜÆá A®ÜáÊÜᣠ¯àvÜÇÝX¨æ ?

Q. No. 3. Explain the general principles relating to secured loan. Marks : 16

»Ü¨ÜÅñæ¿á ÓÝÆPæR ÓÜíŸí—Ô¨Üíñæ ÓÝÊÜޮܠñÜñÜÌWÜÙÜ®Üá° ËÊÜÄÔ.

Q. No. 4. What is indorsement ? Explain the different types of

Indorsement. Marks : 16
×íŸÃÜÖÜ Gí¨ÜÃæà®Üá ? ËË«Ü Äࣿá ×íŸÃÜÖÜWÜÙÜ®Üá° ËÊÜÄÔ.

Q. No. 5. Who is a Banker ? Explain general relationship of Banker with

his customer. Marks : 16
¸ÝÂíPÜà Gí¨ÜÃæ ¿ÞÃÜá ? WÝÅÖÜPÜ®Ü hæãñæX®Ü ¸ÝÂíPÜà ®Ü ÓÝÊÜÞ®ÜÂ
ÓÜíŸí«ÜÊÜ®Üá° ËÊÜÄÔ.
P.T.O.
0404 / 0805 -2- *0404-0805*

Q. No. 6. What precautions should a Banker take in opening a new

account in the name of a partnership and trust ? Marks : 16
±ÝÆá¨ÝÄPæ ÊÜáñÜᤠ®ÝÂÓÜWÜÙÜá ¸ÝÂíQ®ÜÈÉ ÖæãÓÜTÝñæ ñæÃæ¿ááÊÜ ÓÜÊÜá¿á¨ÜÈÉ
¸ÝÂíPÜÃÜ®Üá ñæWæ¨ÜáPæãÙÜÛ¸æàPÝXÃÜáÊÜ ÊÜááíhÝWÜÅñÝ PÜÅÊÜáWÜÙÝÊÜâÊÜâ ?

Q. No. 7. Briefly explain the customer's duties towards his Banker. Marks : 16
ñܮܰ ¸ÝÂíPÜà ®Ü PÜáÄñÜá WÝÅÖÜPܯXÃÜáÊÜ PÜñÜìÊÜÂWÜÙÜ®Üá° ÓÜíQұܤÊÝX ËÊÜÄÔ.

Q. No. 8. Write short note on any two of the following : Marks : (2×8=16)
¿ÞÊÜâ¨Ý¨ÜÃÜã GÃÜvÜPæR q±Ü³~ ŸÃæÀáÄ :
(a) Cyber evidence
˨Üá®ݾ®Ü ÓÝPÜÒ$Â
(b) Paying Banker
±ÝÊÜ£ÓÜáÊÜ ¸ÝÂíPÜÃ
(c) Banking Ombudsman
¸ÝÂíQíW KíŸávÜÕÊÜá® .

Q. No. 9 . Solve any two problems of the following : Marks : (2×10=20)

¿ÞÊÜâ¨Ý¨ÜÃÜã GÃÜvÜá ÓÜÊÜáÓæÂWÜÙÜ®Üá° ±ÜÄÖÜÄÔ :
(a) ‘H’ signs an instrument in the following form :
“I promise to pay ‘S’ or order Rs. 1,00,000 on the marriage
day of ‘S’
Is it a valid Promissory Note ? Give reasons.
"Ga ' GíŸáÊÜ®Üá D PæÙÜX®Üíñæ ÈUñܱÜñÜÅPæR ÓÜ× ÖÝQ¨Ýª®æ.
""®Ý®Üá "GÓ ' ¯Wæ A¥ÜÊÝ B¨æàÍÜ¨Ü ÊæáàÃæWæ ÃÜã. 1,00,000 ®Üá° "GÓ '®Ü
ÊÜá¨ÜáÊæ ©®Ü ÓÜí¨Ý¿á ÊÜÞvÜÆá ÊÝWݪ®Ü ÊÜÞvÜáñæ¤à®æ ''.
D ÊÝWݪ®Ü±ÜñÜÅ Ôí«ÜáÊæà ? PÝÃÜ| PæãwÄ.
*0404-0805* -3- 0404 / 0805

(b) ‘C’ instructs his Banker to buy certain debentures for him
and asks the Banker to keep them for him and collect the
interest on them. Subsequently ‘C’s current account is
overdrawn.
Can Banker exercise the lien over debentures ?
"PÜ' ñܮܰ ¸ÝÂíPÜà ¯Wæ ñܮܰ ±ÜÃÜÊÝX PæÆÊÜâ ÓÝƱÜñÜÅ SÄà©ÓÜÆá
ÓÜãbÓÜáñݤ®æ. ÊÜáñÜᤠAÊܯWÝX AÊÜâWÜÙÜ®Üá° ¸ÝÂíPÜà ®Üá CoárPæãívÜá
A¨ÜÄí¨Ü ŸÃÜáÊÜ Ÿwx ÓÜíWÜÅ×ÓÜÆá PæàÚPæãíwÃÜáñݤ®æ. ®ÜíñÜÃÜ "PÜ'®Üá
aÝȤ TÝñæ¿áÈÉ Öæbc®Ü ÖÜ| ±Üvæ©ÃÜáñݤ®æ.
B ÓÝƱÜñÜÅWÜÙÜ ÊæáàÇæ ¸ÝÂíPÜà ®Üá «ÝÃÜOݗPÝÃÜ aÜÇÝÀáÓܟÖÜá¨æà ?
(c) ‘A’ maintains an account in his sole name and enjoys an
overdraft which he does not repay despite demands. The
Banker adjusts the overdraft from the credit balance held
in the account in the joint names of ‘A’ and ‘B’.

‘B’ challenges it and demands for restoration of amount

from the Banker. Decide.
"A' ®Üá ñÜ®æ㰟º®Ü ÖæÓÜÄ®ÜÈÉ TÝñæ ñæWæ¨Üá , Öæbc®Ü ÖÜ|ÊÜ®Üá° ¸ÝÂíQ¯í¨Ü
±Üvæ¨ÜáPæãívÜá ¸ÝÂíPÜà ×í©ÃÜáXÓÜÆá ¸æàwPæÀápÝrWÜÆã
ÊÜáÃÜÚPæãvÜÆá £ÃÜÓÜRÄԨݪ®æ. BWÜ ¸ÝÂíPÜà "A' ÊÜáñÜᤠ"Ÿ' CÊÜğºÃÜ
gíqà TÝñæÀáí¨Ü D ÖæaÜácÊÜÄ¿ÞX Pæãor ÖÜ|ÊÜ®Üá° Öæãí¨Ý~Pæ
ÊÜÞwPæãÙÜáÛñݤ®æ.
Ÿ' C¨Ü®Üá° ±ÜÅΰÔ, ¸ÝÂíPÜà ñܮܰ gíqà TÝñæ¿á ÖÜ|ÊÜ®Üá°
ÊÜáÃÜÚÓܸàæ Pæí¨Üá ¸æàwPæ ÓÜÈÉԨݪ®æ. £àÊÜÞì¯Ô.

________________
*04040805* 0404/0805
Fourth Semester 3 Yr. LL.B./VIII Semester 5 Yr. B.A.LL.B./B.B.A.LL.B.
Examination, December 2016
Opt. – II : BANKING LAW

Duration : 3 Hours Max. Marks : 100

Instructions : 1. Answer Q. No. 9 and any five of the remaining questions.

2. Q. No. 9 carries 20 marks and the remaining questions
carry 16 marks each.
3. Answers should be written either in English or Kannada
completely.

Q. No. 1. Discuss the various types of Banks along with their functions. Marks : 16
ËË«Ü ±ÜÅPÝÃÜWÜÙÜ ¸ÝÂíPÜáWÜÙÜ®Üá° AÊÜâWÜÙÜ PÝ¿áìWÜÙæãí©Wæ ËÊÜÄÔ.
Q. No. 2. Discuss the powers of Reserve Bank of India under
Banking Regulation Act, 1949. Marks : 16
¸ÝÂíQíW ¯¿áíñÜÅ| A—¯¿áÊÜá, 1949 ÃÜ Aw¿áÈÉ »ÝÃÜ£à¿á ÄÓÜÊ ì
¸ÝÂíQ®Ü A—PÝÃÜWÜÙÜ®Üá° aÜbìÔÄ.
Q. No. 3. Explain the precautions to be taken by a Banker while lending
against goods. Marks : 16
¸ÝÂíQ®ÜÊÜÃÜá ÓÜÃÜPÜáWÜÙÜ B«ÝÃÜ¨Ü ÊæáàÇæ ÓÝÆ PæãvÜáÊÝWÜ ¿ÞÊÜ Äࣿá
ÊÜááíhÝWÜÃÜãPÜñÝ PÜÅÊÜá ñæWæ¨ÜáPæãÙÜÛ¸æàPæíŸá¨Ü®Üá ° ËÊÜÄÔ.
Q. No. 4. Define cheque. Explain the different kinds of crossing of a
cheque along with their effects. Marks : 16
aæP ®Üá° ÊÝÂTݯÔ. ËË«Ü Äࣿá ÃæàUñÜ (AvÜxWæÃæ ) aæPÜáRWÜÙÜ®Üá° AÊÜâWÜÙÜ
±ÜÄOÝÊÜáWÜÙæãí©Wæ ËÊÜÄÔ.
Q. No. 5. “Banker’s duty of secrecy is not absolute”. Explain when the
disclosure of account is justified. Marks : 16
""¸ÝÂíPÜà ®Ü ÃÜÖÓÜ ÂÜ ±ÝÆ®Ý PÜñì
Ü ÊÜ ¯ÃÜá±Ý©PÜÊݨÜá¨ÜÆÉ ''. ¿ÞÊÜ ÓÜí¨Ü»ì
Ü WÜÙÈ
Ü É
TÝñæ¿á®Üá° Ÿ×ÃÜíWÜ ±ÜwÓÜáËPæ PÜÅÊáÜ Ÿ¨ÜÊ œ ÝXÃÜáñܤ¨æ GíŸá¨Ü®Üá° ËÊÜÄÔ.
P.T.O.
0404/0805 -2- *04040805*
Q. No. 6. What precautions should a Banker take in opening a new
account in the name of a minor and a married woman ? Marks : 16
A±Ýűܤ ÊÜ¿áÓÜR ÊÜáñÜᤠËÊÝ×ñÜ ÊÜá×Ùæ CÊÜÃÜáWÜÙÜá ¸ÝÂíQ®ÜÈÉ ÖæãÓÜTÝñæ
ñæÃæ¿ááÊÜ ÓÜÊÜá¿á¨ÜÈÉ ¸ÝÂíPÜÃÜ®Üá ñæWæ¨ÜáPæãÙÜÛ¸æàPÝ¨Ü ÊÜááíhÝWÜÅñÝ
PÜÅÊÜáWÜÙÝÊÜâÊÜâ ?

Q. No. 7. What are the ancillary services of a Bank ? Marks : 16

¸ÝÂíQ®Ü ±ÜäÃÜPÜ ÓæàÊæWÜÙÜá ¿ÞÊÜâÊÜâ ?

Q. No. 8. Write short note on any two of the following : Marks : 2×8=16
¿ÞÊÜâ¨Ý¨ÜÃÜã GÃÜvÜPæR q±Ü³~ ŸÃæÀáÄ :
(a) Pass Book
±ÝÓ ŸáP
(b) E-Banking
˨Üá®ݾ®Ü ¸ÝÂíQíW
(c) Customer of a Bank.
¸ÝÂíQ®Ü WÝÅÖÜPÜ.

Q. No. 9. Solve any two of the following : Marks : 2×10=20

¸æàPÝ¨Ü GÃÜvÜá ÓÜÊÜáÓæÂWÜÚWæ EñܤÄÔ :
(a) R has executed the instrument in favour of Mr. X as follows :

“Mr. X I O U Rs. 1,00,000”. Is it a valid Promissory Note ?

Give reasons.

Bà ®Üá ÎÅà¿ááñÜ GP Õ ®Ü ±ÜÃÜÊÝX D PæÙÜX®Üíñæ ÈUñÜ ±ÜñÜÅ ŸÃæ©ÃÜáñݤ®æ.

"" ÎÅà¿ááñÜ GP Õ ÃÜÊÜÃæà I O U (®Ý®Üá ¯ÊÜáWæ ÃÜã. 1,00,000 WÜÚWæ
Má~¿ÞX¨æªà®æ ).'' D ÊÝWݪ®Ü ±ÜñÜÅ FiìñÜÊæà ? PÝÃÜ|WÜÙÜ®Üá° £ÚÔ.
*04040805* -3- 0404/0805

(b) A and B opened a savings Bank account payable jointly.

B informs the Banker that A is dead and produces a death
certificate in this regard and also demands for payment of
balance amount. But the Banker refuses to pay. Can B file a
suit against Banker ? Will it make any difference, if the
account is opened in the style of ‘either’ or ‘survivor’ ?
A ÊÜáñÜᤠŸ CŸºÃãÜ PÜãw Jí¨Üá EÚñÝ¿á TÝñæ¿á®Üá° gíq¿ÞX ±ÝÊÜ£ÓÜáÊÜíñæ
ñæÃæ©ÃÜáñݤÃæ. Ÿ ®Üá ¸ÝÂíPÜà ¯Wæ A ÊÜáêñÜ®ÝXÃÜáÊÜ®æí¨Üá £ÚÔ ÓÜÊÜá¥Üì®æWæ ÊÜáÃÜ|
±ÜñÜÅ ¯àw ¸ÝQ ÖÜ|ÊÜ®Üá° ¯àvÜáÊÜíñæ PæàڨܮÜá. B¨ÜÃæ ¸ÝÂíPÜà ÖÜ| ¯àvÜÆá
¯ÃÝPÜÄÓÜáñݤ®æ.
Ÿ ®Üá ¸ÝÂíPÜà ®Ü ËÃÜá¨Üœ ¨ÝÊæ ÓÜÈÉÓܟÖÜá¨æà ? Jí¨Üá ÊæàÙæ TÝñæ¿á®Üá°
"DÊÜìÄWæ ' A¥ÜÊÝ "Ÿ¨ÜáPÜáÚ¨ÜÊÜÄWæ ' GíŸ ÄࣿáÈÉ ñæÃ橨ܪÈÉ ¿ÞÊÜâ¨Ý¨ÜÃÜã
ÊÜÂñÝÂÓÜÊÝWÜáÊÜâ¨æà ?
(c) Examine the legal position of the banker in the following cases :
i) B deposits gold ornaments worth Rs.50,000 with the Banker for
safe custody.
ii) D deposits Rs.40,000 with the Banker to be held for two years as
a fixed deposit.
D PæÙÜX®Ü ±ÜÅPÜÃÜ|WÜÙÜÈÉ ¸ÝÂíPÜà ®Ü PÝ®Üã®ÝñܾPÜ Óݧ®ÜÊÜ®Üá° ±ÜÄàQÒÔ :
i) Ÿ ®Üá 50,000 ÃÜã. WÜÙÜ ÊÜåèÆ嬆 ŸíWÝÃÜ¨Ü B»ÜÃÜ|WÜÙÜ®Üá° ¸ÝÂíQ®Ü Óæà´
ÇÝPÜà WÜÙÜÈÉ CqrÃÜáñݤ®æ.
ii) vÜ ®Üá 40,000 ÃÜã. WÜÙÜ®Üá° ¸ÝÂíQ®ÜÈÉ GÃÜvÜá ÊÜÐÜìWÜÙÜ AÊܗWÝX
sæàÊÜ~¿ÞX CqrÃÜáñݤ®æ.
________________
*04040805* 0404/0805
IV Semester 3 Yrs. LL.B./VIII Semester 5 Yrs. B.A.LL.B./B.B.A.LL.B.
Examination, December 2017
Opt. – II : BANKING LAW
Duration : 3 Hours Max. Marks : 100

Instructions : 1. Answer Q. No. 9 and any five of the remaining questions.

2. Q. No. 9 carries 20 marks and the remaining question carry
16 marks each.
3. Answers should be written either in English or Kannada
completely.

Q. No. 1. Explain the functions of Reserve Bank of India. Marks : 16

»ÝÃÜ£à¿á ÄÓÜÊ ì ¸ÝÂíQ®Ü PÝÃÜÂWÜÙÜ®Üá° ËÊÜÄÔ.
Q. No. 2. Discuss the ways by which a banker can make profitable uses of
funds with him. Marks : 16
¸ÝÂíPÜ Ã Ü ® Ü á ñÜ ® Ü ° ŸÚ CÃÜ á ÊÜ ÖÜ | ¨Ü ¯—¿á®Ü á ° ÇÝ»Ü ¨ Ý¿áPÜ Ê ÝX
E±ÜÁãàXÓÜÆá CÃÜáÊÜ ¨ÝÄWÜÙÜ®Üá° aÜbìÔÄ.
Q. No. 3. What is Endorsement ? Explain the different types of Endorsement. Marks : 16
×íŸÃÜÖÜ Gí¨ÜÃæà®Üá ? ËË«Ü Äࣿá ×íŸÃÜÖÜWÜÙÜ®Üá° ËÊÜÄÔ.

Q. No. 4. Explain the general relationship between the banker with his
customer. Marks : 16
WÝÅÖÜPÜ®Ü hæãñæX®Ü ¸ÝÂíPÜÃÜ®Ü ÓÝÊÜޮܠÓÜíŸí«ÜÊÜ®Üá° ËÊÜÄÔ.
Q. No. 5. What precautions should a banker take in opening a new
account ? Marks : 16
¸ÝÂíPÜÃ®Ü áÜ ÖæãÓÜ TÝñæ¿á®Üá° ñæÿ
æ ááÊÝWÜ A®ÜáÓÜÄÓܸàæ PÝ¨Ü ÊÜáá®æa
° cÜÄPæWÙÜ ®Ü áÜ °
aÜbìÔÄ.
Q. No. 6. Explain the bankers duty to honour the customers cheques. Marks : 16
aæP ®Üá° ÊÜޮܠÊÜÞvÜáÊÜ ¸ÝÂíPÜÃÜ®Ü PÜñÜìÊÜÂÊÜ®Üá° ËÊÜÄÔÄ.
Q. No. 7. Examine the grounds under which the banking ombudsman may
reject the complaint. Marks : 16
¨ÜãÃÜáWÜÙ®Ü áÜ ° ¸ÝÂíQíW KíŸv Ê
Õ áÜ ® ¿ÞÊÜ B«ÝÃÜWÙÜ Ü ÊæáàÇæ £ÃÜÓRÜÄÓܟÖÜá¨æíŸ
ŸWæY ±ÜÄàQÒÔÄ.
P.T.O.
0404/0805 *04040805*
Q. No. 8. Write short note on any two of the following : Marks : 2×8=16
D PæÙÜX®ÜÊÜâWÜÙÜÈÉ ¿ÞÊÜâ¨æà GÃÜvÜ®Üá° PÜáÄñÜá ÆZá q±Ü³~ ŸÃæÀáÄ :
a) Cheque.
aæP .
b) Commercial banks.
ÊÝ~g ¸ÝÂíPÜáWÜÙÜá.
c) Priority sector advances.
B¨ÜÂñÝ ÊÜÆ¿á ÊÜááí±ÝÊÜ£.
Q. No. 9. Solve any two of the following problems : Marks : 2×10=20
D PæÙÜX®Ü ¿ÞÊÜâ¨Ý¨ÜÃÜã GÃÜvÜá ÓÜÊÜáÓæÂWÜÙÜ®Üá° ±ÜÄÖÜÄÔ.
a) ‘A’ signs an instrument as follows :
I promise to pay ‘S’ or order Rs. 50,000.
Is it a valid promissory note ?
"A' GíŸÊÜ®Üá D PæÙÜX®Üíñæ ÈUñÜ ±ÜñÜÅPæR ÓÜ× ÖÝQ¨Ýª®æ.
®Ý®Üá "GÓ '¯Wæ A¥ÜÊÝ B¨æàÍÜ¨Ü ÊæáàÃæWæ ÃÜã. 50,000 ÊÝWݪ®Ü ÊÜÞvÜáñݤ®.æ
D ÊÝWݪ®Ü ±ÜñÜÅ FiìñÜÊæà ?
b) S, O and N are partners in the SON firm. They informed the
banker that ‘S’ and ‘O’ will operate the firms current account. Can
banker honour the cheques of the firm signed by ‘S’ and ‘N’ ?
"GÓ ', "K' ÊÜáñÜᤠ"G® ' CÊÜÃáÜ ÓÜ® GíŸ ±ÝÆá¨ÝÄPÝ ÓÜíÓæ¿ § áÈÉ
±ÝÆá¨ÝÃÜÃÝX¨ÝªÃ.æ AÊÜÃáÜ ¸ÝÂíQ®ÜÈÉ ñæè æ Ü aÝȤ TÝñæ¿á®Üá° "GÓ '
ÊÜáñÜᤠ"K' ¯ÊÜì×ÓÜáñݤÃíæ ¨Üá ¸ÝÂíPÜÃ¯Ü Wæ £ÚÔÃÜáñݤÃ.æ ¸ÝÂíPÜÃ®Ü áÜ A¨Ü®áÜ °
J²³Pã æ ívÜá "GÓ ' ÊÜáñÜᤠ"G® ' ÓÜ× ÊÜÞw¨Ü aæPRÜ ®áÜ ° ±ÝÊÜ£ÓܟÖÜá¨æà ?
c) A customer of a Corporation Bank opproaches another branch
of the same bank for loan facility against fixed deposit receipt
of Rs. 5,00,000/- issued in his favour. Whether his request
for loan can be considered ? Decide.
PݱæäìàÃæàÐÜÜ® ¸ÝÂíQ®Ü Jí¨Üá ÍÝTæ¿á WÝÅÖÜPÜ®Üá A¨æà ¸ÝÂíQ®Ü
C®æã°í¨Üá ÍÝTæWæ ÖæãàX Ô§ÃÜ sæàÊÜ~ ±ÜñÜÅ¨Ü B«ÝÃÜ¨Ü ÊæáàÇæ
ÃÜã±ÝÀá 5,00, 000 ÓÝÆ PæãvÜáÊÜíñæ ±ÜÅÓÝ¤Ê®Ü æ ÊÜáãÆPÜ Ë®Üí£ÓÜáÊÜ®áÜ .
¸ÝÂíPÜÃÜ®Üá D ±ÜÅÓݤÊÜ®æ¿á®Üá° ÖæàWæ ±ÜÄWÜ~ÓܸæàPÜá ? ¯«ÜìÄÔ.
––––––––––––––––
*0404/0805* 0404/0805
IV Semester of Three Years LL.B. /VIII Semester B.A./B.B.A. LL.B. (5 Years)
Degree Examination, June 2013
BANKING LAW
(Optional – II)
Duration : 3 Hours Max. Marks : 100

Instructions : 1. Answer all 5 Questions.

2. Figures to the right indicate marks.
3. Answers should be written either in English or Kannada
completely.

Q. No. 1. (a) Discuss the powers of Reserve Bank of India under the
Banking Regulation Act 1949. Marks : 15
¸ÝÂíQíW ÃæWÜãÂÇæàÍÜ® A—¯¿áÊÜá 1949ÃÜw¿áÈÉ¿á »ÝÃÜ£à¿á
ÄÓÜÊÜì ¸ÝÂíQ®Ü A—PÝÃÜWÜÙÜ®Üá° aÜbìÔÄ.
OR/A¥ÜÊÝ
Write an explanatory note on the functions of Commercial
Bank of India.
»ÝÃÜ£à¿á ÊÝ~g ¸ÝÂíPÜáWÜÙÜ PÝÃÜÂWÜÙÜ ÊæáàÇæ ËÊÜÃÜOÝñܾPÜÊÝ¨Ü q±Ü³~
ŸÃæÀáÄ.
(b) Write a short note on I.D.B.I. or U.T.I. (Unit Trust of India). Marks : 5
I.D.B.I. or U.T.I. ÊæáàÇæ ÆZá q±Ü³~ ŸÃæÀáÄ.
Q. No. 2. (a) Discuss pros. and cons of accepting ‘Guarantee’ as security
for banker’s advance. Would you like to suggest remedies
for apparent drawbacks ? Marks : 15
hÝËáà®Üá¨ÝÄPæ¿á®Üá° ¸ÝÂíPÜÃ®Ü Ü ÓÝÆ¨Ü »Ü¨ÅÜ ñWæ ÝX ñæW¨
æ áÜ PæãÙÜáÛËPæ¿á
ÇÝ»Ü ÊÜáñÜᤠÖݯWÜÙÜ®Üá° aÜbìÔÄ. A¨ÜÃÜÈÉÃÜáÊÜ ¨æãàÐÜWÜÚWÝX
¿ÞÊÜâ¨Ý¨ÜÃÜã ÓÜÆÖæWÜÙÜ®Üá° ¯àvܟ¿áÓÜáËÃæãà ?
OR/A¥ÜÊÝ

P.T.O.
0404/0805 -2- *0404*

What type of documents of the title to goods can be accepted

by banker as security for loan. What precaution he has to take ?
¿ÞÊÜ ÊÜÞ¨ÜÄ¿á ÖÜPÜáR ±ÜñÜÅWÜÙÜ®Üá° ÓÝÆ¨Ü »Ü¨ÜÅñæWÝX ¸ÝÂíPÜÃÜ®Üá
±Üvæ¿áŸÖÜá¨Üá ? ¿ÞÊÜ ÊÜááíhÝWÜÅñæ PÜÅÊÜáWÜÙÜ®Üá° PæçWæãÙÜÛ¸æàPÜá ?
(b) Write note on :
ÆZá q±Ü³~ ŸÃæÀáÄ :
Advances to priority sectors.
ÓÝÆ¨Ü B«ÜÂñæ Ë»ÝWÜ.
OR/A¥ÜÊÝ
Special banking services. Marks : 5
¸ÝÂíPÜÃÜ®Ü ËÍæàÐÜ ÓæàÊæWÜÙÜá
Q. No. 3. (a) Explain the rules relating to presentment Bill of Exchange.
When presentment unnecessary ? Marks : 15
˯ÊÜá¿á ±ÜñÜÅÊÜ®Üá° ÖÝgÃܱÜwÓÜáÊÜâ¨ÜPæR A®ÜÌÀáÓÜáÊÜ ¯¿áÊÜáWÜÙÜ®Üá°
ËÊÜÄÔÄ. ¿ÞÊÝWÜ ÖÝgÃÜá±ÜwÓÜáËPæ A®ÝÊÜÍÜÂPÜ ?
OR/A¥ÜÊÝ
What is crossing of cheque ? What are the different types of
crossing of a cheque ?
aæP WÜÙÜ ÊæáàÇæ AvÜxWæÃæ ÖÝPÜáÊÜâ¨æí¨ÜÃæà®Üá ? aæP WÜÙÜ ÊæáàÇæ
ÖÝPܟÖÜá¨Ý¨Ü ËË«Ü Äࣿá AvÜxWæÃæWÜÙÝÊÜâÊÜâ ?
(b) Write note on :
ÆZá q±Ü³~ ŸÃæÀáÄ :
‘Dishonouring of cheque’.
"aæPÜáRWÜÙÜ®Üá° ÊÜޮܠÊÜÞvÜ©ÃÜáËPæ '.
OR/A¥ÜÊÝ
Assignment and Negotiation. Marks : 5
"ÖÜÓݤíñÜÃÜOæ ÊÜáñÜᤠÊÜWÝìÊÜOæ '.
*0404* -3- 0404/0805

Q. No. 4. (a) Define customer. Discuss the special relationship between

a banker and customer. Marks : 15
"WÝÅÖÜPÜ ' C¨ÜÃÜ ÊÝÂTæ Pæãw. WÝÅÖÜPÜ ÊÜáñÜᤠ¸ÝÂíPÜÃÜ CÊÜÃÜ ÊÜá«æ CÃÜáÊÜ
ËÍæàÐÜ ÓÜíŸí«ÜWÜÙÜ®Üá° aÜbìÔÄ.
OR/A¥ÜÊÝ
Comment on Banker’s obligation to maintain the secrecy of
the customer’s account.
WÝÅÖÜPÜ®Ü TÝñæ¿á Wè±ÜÂñæ¿á®Üá° PݱÝvÜáÊÜÈÉ ¸ÝÂíPÜÃÜ®Ü ÖæãOæWÝÄPæ¿á
ÊæáàÇæ ËÊÜáÎìÔ.
(b) Write note on :
ÆZá q±Ü³~ ŸÃæÀáÄ :
‘Customer’s duties towards his banker’.
"¸ÝÂíPÜÃÜ®Ü ±ÜÃÜ CÃÜáÊÜ WÝÅÖÜPÜ®Ü PÜñÜìÊÜÂWÜÙÜá '.
OR/A¥ÜÊÝ
Banker’s lien. Marks : 5
¸ÝÂíPÜÃÜ®Ü WÜÅÖÜOݗPÝÃÜ.
Q. No. 5. (a) Comment on the relationship between a banker and a
customer with regard to safe deposit vaults. Marks : 15
»Ü¨ÜÅ sæàÊÜ~ PæãàOæ PÜáÄñÜíñæ ¸ÝÂíPÜÃÜ ÊÜáñÜᤠWÝÅÖÜPÜ®Ü ÊÜá«Ü CÃÜáÊÜ
ÓÜíŸí«ÜWÜÙÜ ÊæáàÇæ q±Ü³~ÔÄ.
OR/A¥ÜÊÝ
Explain Ancillary Services and E-Banking Remittances.
±ÜäÃÜPÜ ÓæàÊæWÜÙÜá ÊÜáñÜᤠE-¸ÝÂíQíW ±ÝÊÜ£WÜÙÜ®Üá° ËÊÜÄÔÄ.
(b) Write a note on :
ÆZá q±Ü³~ ŸÃæÀáÄ :
‘Bank orders’.
"¸ÝÂíPÜÃÜ®Ü B¨æàÍÜWÜÙÜá '.
OR/A¥ÜÊÝ
Travellers cheques. Marks : 5
±ÜÅÊÝÔWÜÃÜ aæP WÜÙÜá.
________________
*0404/0805* 0404/0805
Fourth Semester of Three Year LL.B. / VIII Semester of Five Year
B.A./B.B.A. LL.B. Examination, June/July 2014
Opt. – II : BANKING LAW

Duration : 3 Hours Max. Marks : 100

Instructions : 1. Answer all 5 Questions.

2. Answers should be either in English or Kannada
completely.
3. Figures to the right indicate marks.

Q. No. 1. (a) Discuss origin and evolution of Banking Institution in India. Marks : 15
»ÝÃÜñ¨
Ü È
Ü É ¸ÝÂíQíW ÓÜíÓæ¿
§ á ÖÜáoár ÊÜáñÜᤠ¸æÙÊ
Ü ~
Ü Wæ¿á®Üá° aÜbìÔÄ.
OR/A¥ÜÊÝ

Explain the functions of Reserve Bank of India.

»ÝÃÜ£à¿á ÄÓÜÊ ì ¸ÝÂíQ®Ü PÝÃÜÂWÜÙÜ®Üá° ËÊÜÄÔ.
(b) Write a note on : Marks : 5
q±Ü³~ ŸÃæÀáÄ :
State Bank of India.
»ÝÃÜ£à¿á Óæràp ¸ÝÂíP .
OR/A¥ÜÊÝ

U.T.I. (AXIS Bank)

¿áá. q. I. (BÂQÕÓ ¸ÝÂíP )

Q. No. 2. (a) What do you mean by gilt-edged securities ? What are the
advantage and disadvantage of these securities ? Marks : 15
ÓÜÌ|ìÇæà²ñÜ »Ü¨ÜÅñæWÜÙæí¨ÜÃæà®Üá ? AÊÜâWÜÙÜ »Ü¨ÜÅñæ¿á ÊæáàÇæ ÓÝÆ
¯àw¨ÝWÜ BWÜáÊÜ A®ÜáPÜãÆ ÊÜáñÜᤠA®Ý®ÜáPÜãÆWÜÙæà®Üá ?
OR/A¥ÜÊÝ

Explain the priority sectors of Credit Guarantee Schemes.

ÓÝÆ hÝËáà®Üá¨ÝÄWæ Áãàg®æWÜÙÜ B¨ÜÂñæ¿á Ë»ÝWÜWÜÙÜ®Üá° ËÊÜÄÔ.
P.T.O.
0404/0805 -2- *0404/0805*
(b) Write a note one :
Jí¨Üá q±Ü³~ ŸÃæÀáÄ :
Securitisation Act 2002. Marks : 5
ÓæPÜãÂÄpæçhæàÐÜ® A—¯¿áÊÜá 2002
OR/A¥ÜÊÝ

Special Banking Services.

ËÍæàÐÜ ¸ÝÂíQíW ÓæàÊæWÜÙÜá.

Q. No. 3. (a) What is Negotiable Instrument ? What are the kinds of

Negotiable Instruments ? How Negotiable Instruments are
different from Transferable Instruments ? Marks : 15
ÊÜWÝìÊÜOæ¿á ÈUñÜ Gí¨ÜÃæà®Üá ? ËË«Ü ŸWæ¿á ÊÜWÝìÊÜOæ¿á
ÈUñÜWÜÙÝÊÜâÊÜâ ? ÊÜWÝìÊÜOæ ÈUñÜWÜÙÜá ÖæàWæ ÖÜÓݤíñÜÄÓÜƳvÜáÊÜ
ÈUñÜWÜÚí¨Ü ¼®Ü°ÊÝXÊæ ?
OR/A¥ÜÊÝ

What is Endorsement ? Explain different kinds of

Endorsement.
×íŸÃÜÖÜ Gí¨ÜÃæà®Üá ? ×íŸÃÜÖÜ¨Ü Ë«ÜWÜÙÜ®Üá° ËÊÜÄÔÄ.
(b) Write short note on :
ÆZá q±Ü³~ ŸÃæÀáÄ :
Bills in sets. Marks : 5
˯ÊÜá¿á ±ÜñÜÅWÜÙÜ PÜoár .
OR/A¥ÜÊÝ

Payment for Honour.

ÊÜÞ®ÜÂñæWÝX ÓÜí¨Ý¿á.
*0404/0805* -3- 0404/0805
Q. No. 4. (a) Who is a Banker ? Explain General Relationship of Banker with his
customer. Marks : 15
¸ÝÂíPÜà Gí¨ÜÃÝÃÜá ? ¸ÝÂíPÜÃÜ®Üá ñܮܰ WÝÅÖÜPÜ®æãí©Wæ Öæãí©ÃÜáÊÜ
ÓÝÊÜޮܠÓÜíŸí«ÜWÜÙÜ®Üá° ËÊÜÄÔÄ.
OR/A¥ÜÊÝ

Discuss the precautions to be taken by the Banker while

opening a new account by Joint Stock Company and Minor.
¸ÝÂíPÜÃÜ®Üá PÜãvÜá ŸívÜÊÝÙÜ ¯WÜÊÜá ÊÜáñÜᤠA±Ýűܤ ÊÜ¿áÓÜR®Ü ®ÜãñÜ®Ü
TÝñæ ±ÝÅÃÜí¼ÓÜáÊÜÈÉ ñæWæ¨ÜáPæãÙÜÛ¸æàPÝ¨Ü ÊÜááíhÝWÜÅñæ PÜÅÊÜáWÜÙÜ®Üá°
aÜbìÔÄ.
(b) Write short note on :
ÆZá q±Ü³~ ŸÃæÀáÄ :
Garnishee Order. Marks : 5
g²¤ ÖÜ|¨Ü ¸ÝQ B¨æàÍÜ.
OR/A¥ÜÊÝ

Customer.
WÝÅÖÜPÜ.

Q. No. 5. (a) Write an explanatory note on Ancilary services of a Banker. Marks : 15

¸ÝÂíPÜÃÜ®Ü ±ÜäÃÜPÜ ÓæàÊæWÜÙÜ ÊæáàÇæ Jí¨Üá ËÊÜÃÜOÝñܾPÜÊÝ¨Ü q±Ü³~
ŸÃæÀáÄ.
OR/A¥ÜÊÝ

Discuss powers and functions of Banking Ombudsman.

¸ÝÂíQíW KíŸvÜÕÊÜá® CÊÜÃÜ A—PÝÃÜ ÊÜáñÜᤠPÝÃÜÂWÜÙÜ®Üá° aÜbìÔÄ.
0404/0805 -4- *0404/0805*

(b) Write note on :

q±Ü³~ ŸÃæÀáÄ :
Cyber Evidence. Marks : 5
ÓæçŸÃ ÓÝPÜÒ$Â.
OR/A¥ÜÊÝ

E-Banking.
E-¸ÝÂíQíW .
________________
*04040805* 0404/0805

IV Semester 3 Yrs. LL.B. / VIII Semester 5 Yrs. B.A. LL.B./B.B.A.LL.B.

Examination, June/July 2015
Opt. – II : BANKING LAW

Duration : 3 Hours Max. Marks : 100

Instructions : 1. Answer question no. 9 and any five of the remaining

questions.
2. Q. No. 9 carries 20 marks and remaining questions carry
16 marks each.
3. Answers should be written either in English or Kannada
completely.

Q. No. 1. Explain the functions of Reserve Bank of India. Marks : 16

»ÝÃÜ£à¿á ÄÓÜÊ ì ¸ÝÂíP ®Ü PÝ¿áìWÜÙ®Ü áÜ ° ËÊÜÄÔ.
Q. No. 2. Explain salient features of Banking Regulation Act, 1949. Marks : 16
¸ÝÂíPæãà¨ÜÂÊÜá¨Ü ¯¿áíñÜÅ| PÝÁ᪠1949 ÃÜ ±ÜÅ«Ý®Ü AíÍÜWÙÜ ®Ü áÜ ° ËÊÜÄÔ.
Q. No. 3. Explain precautions to be taken by a banker while lending against
goods. Marks : 16
¸ÝÂíPÜÃ®Ü áÜ ÓÜÃPÜ áÜ WÜÙÜ B«ÝÃÜ¨Ü ÊæáàÇæ ÓÝÆ PæãvÜáÊÝWÜ ¿ÞÊÜ Äࣿá
ÊÜáá®æ°aÜcÄPæ ñæWæ¨ÜáPæãÙÜÛ¸æàPæíŸá¨Ü®Üá° ËÊÜÄÔ.
Q. No. 4. What is endorsement ? Explain different kinds of endorsement. Marks : 16
×íŸÃÜÖÜ Gí¨ÜÃàæ ®Üá ? ×íŸÃÜÖ¨
Ü Ü Ë«ÜWÙÜ ®Ü áÜ ° ËÊÜÄÔ.
Q. No. 5. “Bankers duty of secrecy is not absolute”. Explain when disclosure
of account is justified ? Marks : 16
""¸ÝÂíPÜÃÜ®Ü ÃÜÖÜÓÜ ±ÝÆ®Ý PÜñÜìÊÜÂÊÜâ ¯ÃÜá±Ý©PÜÊݨÜá¨ÜÆÉ ''. ¿ÞÊÜ
ÓÜí¨Ü»ÜìWÜÙÜÈÉ TÝñæ¿á®Üá°$ Ÿ×ÃÜíWܱÜwÓÜáÊÜâ¨Üá PÜÅÊÜ៨ܜÊÝXÃÜáñܤ¨æ
GíŸá¨Ü®Üá° ËÊÜÄÔ.
Q. No. 6. Define holder and holder in due course. What are the privileges
of holder in due course ? Marks : 16
«ÝÃÜPÜ ÊÜáñÜᤠ¿ááPܤ PÜÅÊÜá¨ÜÈÉ «ÝÃÜPÜ CÊÜÃÜ®Üá° ÊÝÂTݯÔ. ¿ááPܤ PÜÅÊÜá¨ÜÈÉ
«ÝÃÜPÜ®Ü ÓÜÊÜÆñÜá¤WÜÙÝÊÜâÊÜâ ?

P.T.O.
0404/0805 -2- *04040805*
Q. No. 7. Who is paying banker ? State the statutory protections available
to paying banker. Marks : 16
±ÝÊÜ£ ¸ÝÂíPÜà Gí¨ÜÃæ ¿ÞÃÜá ? ±ÝÊÜ£ ¸ÝÂíPÜÄWæ CÃÜáÊÜ ÍÝÓܮܟ¨Üœ
ÃÜPæÒWÜÙÜ®Üá° £ÚÔ.
Q. No. 8. Write short note on any two of the following : Marks : 2×8=16
D PæÙXÜ ®Ü ¿ÞÊÜâ¨Ý¨ÜÃã
Ü GÃÜvÃÜ Ü ÊæáàÇæ ÓÜíQÒ±¤Ü q±Ü~
³ ŸÃæÀáÄ :
a) Promissory note.
ÊÝWݪ®Ü ±ÜñÅÜ .
b) Internet Banking.
AíñÜà hÝìÆ ¸ÝÂíQíW .
c) State Bank of India.
Óæàr p ¸ÝÂíP B´ Cíw¿Þ.
Q. No. 9. Solve any two of the following : Marks : 2×10=20
D PæÙXÜ ®Ü ¿ÞÊÜâ¨Ý¨ÜÃã
Ü GÃÜv®Ü áÜ ° ¯«ÜìÄÔ :
a) Ramesh couldn’t present the cheque received from his friend
due to busy schedule. Period of limitation is about to expire
on a day which happens to be a public holiday. Advice Ramesh.
ÃÜÊæáàÍ ñܮܰ Óæ°à×ñܯí¨Ü ±Üvæ¨Ü «Ü®Ý¨æàÍÜÊÜ®Üá° PæÆÓÜ ¯Ëáñܤ PÝÃÜ|
¸ÝÂíQWæ ÓÜÈÉÓÇ
Ü ÝWÜÈÆÉ. ÓÝÊÜìg¯PÜ ÃÜhÝ©®Ü¨íÜ ¨Üá PÝÆ ±ÜÄËᣠAÊܗ
ÊÜááPݤ¿áÊÝWÜáÊÜâ¨ÜÃÜÈɨæ. ÃÜÊæáàÍ Wæ ÓÜÆÖæ ¯àw.
b) Krishnamurthy has given a cheque for Rs. 5,000/- in the
name of his minor son Srikanth. Can the banker honour the
same ?
PÜêÐÜ¡ÊÜáã£ì GíŸáÊÜÊÜÃÜá ñÜÊÜá¾ A±Ýűܤ ÊÜ¿áÔÕ®Ü ÊÜáWÜ ÎÅàPÝíñÜ®Ü
ÖæÓÄÜ ®ÜÈÉ ÃÜã. 5,000/- aæPRÜ ®áÜ ° Pæãqr¨ÝªÃ.æ ¸ÝÂíPÜÃ®Ü áÜ ÎÅàPÝíñܯWæ A¨ÜÃÜ
ÖÜ|ÊÜ®áÜ ° ±ÝÊÜ£ÓܟÖÜá¨æà ?
c) ABC and D are partners in the “X Firm”. They informed the
banker that ‘B and C’ will operate the firm’s current account.
Can Banker honour the cheques of the firm signed by “B and
D” ?
"G, ¹, Ô ÊÜáñÜᤠw' CÊÜÃáÜ ±ÝÆá¨ÝÄPÝ ÓÜíÓæ¿ § áÈÉ ±ÝÆá¨ÝÃÜÃÝX¨ÝªÃ.æ
AÊÜÃÜá ¸ÝÂíQ®ÜÈÉ ñæÃæ¨Ü ÓÜíÓ槿á aÝȤ TÝñæ¿á®Üá° "¹ ÊÜáñÜᤠÔ'
¯ÊÜì×ÓÜáñݤÃæí¨Üá ¸ÝÂíPÜÃܯWæ £ÚÔÃÜáñݤÃæ. ¸ÝÂíPÜÃÜ®Üá A¨Ü®Üá°
J²³PæãívÜá "¹ ÊÜáñÜᤠw' ÓÜ× ÊÜÞw¨Ü aæPÜR®Üá° ±ÝÊÜ£ÓܟÖÜá¨æà ?
________________
*04040805* 0404/0805
Fourth Semester 3 Year LL.B./VIII Semester 5 Year B.A. LL.B./
B.B.A. LL.B. (Old) Examination, June/July 2016
BANKING LAW (Optional – II)
Duration : 3 Hours Max. Marks : 100

Instructions : 1. Answer Question No. 9 and any five of the remaining

questions.
2. Q. No. 9 carries 20 marks and remaining questions carry
16 marks each.
3. Answers should be written either in English or Kannada
completely.

Q. No. 1. Discuss the functions of commercial banks in India. Marks : 16

»ÝÃÜñܨÜÈÉ®Ü ÊÝ~g ¸ÝÂíPÜáWÜÙÜ PÝÃÜÂWÜÙÜ®Üá° aÜbìÔÄ.
Q. No. 2. Discuss the Banker’s obligation to maintain the secrecy of the
customers account. Marks : 16
WÝÅÖÜPÜ®Ü TÝñæ¿á Wè±ÜÂñæ¿á®Üá° PݱÝvÜáÊÜÈÉ ¸ÝÂíPÜÃÜ®Ü ÖæãOæWÝÄPæ¿á®Üá°
aÜbìÔÄ.
Q. No. 3. What is endorsement ? Explain different types of endorsement. Marks : 16
×íŸÃÜÖÜ Gí¨ÜÃæà®Üá ? ËË«Ü Äࣿá ×íŸÃÜÖÜWÜÙÜ®Üá° ËÊÜÄÔ.
Q. No. 4. Explain the precautions to be taken by a banker while lending
against goods. Marks : 16
¸ÝÂíQ®ÜÊÜÃÜá ÓÜÃÜPÜáWÜÙÜ B«ÝÃÜ¨Ü ÊæáàÇæ ÓÝÆ PæãvÜáÊÝWÜ ¿ÞÊÜ Äࣿá
GaÜcÄPÝ PÜÅÊÜáWÜÙÜ®Üá° ñæWæ¨ÜáPæãÙÜÛ¸æàPÜæíŸá¨Ü®Üá° ËÊÜÄÔ.
Q. No. 5. Examine the grounds under which banking ombudsman may
reject the complaint. Marks : 16
¨ÜãÃÜáWÜÙÜ®Üá° ¸ÝÂíQíW KíŸv ÕÊÜá® ¿ÞÊÜ B«ÝÃÜWÜÙÜ ÊæáàÇæ
£ÃÜÓÜRÄÓܟÖÜá¨æíŸ ŸWæY ±ÜÄàQÒÔÄ.
Q. No. 6. Define cheque. Distinguish cheque from bill of exchange. Marks : 16
""aæP '' C¨ÜÃÜ ÊÝÂTæ Pæãw. aæP ®Üᰠ˯ÊÜá¿á ±ÜñÜÅ©í¨Ü ÊÜÂñÜÂÔÔÄ.
Q. No. 7. Who is paying banker ? State the statutory protections
available to paying banker. Marks : 16
±ÝÊÜ£ ¸ÝÂíPÜÃÜ Gí¨ÜÃæ ¿ÞÃÜá ? ±ÝÊÜ£ ¸ÝÂíPÜÃÜÄWæ CÃÜáÊÜ ÍÝÓܮܟ¨Üœ
ÃÜPæÒWÜÙÜ®Üá° £ÚÔ.
P.T.O.
0404/0805 *04040805*
Q. No. 8. Write short note any two of the following : Marks : 2×8=16
¿ÞÊÜâ¨Ý¨ÜÃÜã GÃÜvÜPæR q±Ü³~ ŸÃæÀáÄ :
a) Internet banking
Cíoà ®æp ¸ÝÂíQíW
b) Promissory note
ÊÝWݪ®Ü ±ÜñÜÅ
c) Agency services.
PÝÃÜ»ÝÄ ÓæàÊæWÜÙÜá.
Q. No. 9. Solve any two of the following problems : Marks : 10×2=20
PæÙÜX®Ü ¿ÞÊÜâ¨Ý¨ÜÃÜã GÃÜvÜá ÓÜÊÜáÓæÂWÜÙÜ®Üá° £àÊÜÞì¯ÔÄ :
a) A, B, C and D are partners in the Y firm. They informed the
banker that A and B will operate the firm's current account. Can
banker honour the cheques of the firm signed by A and C ?
G, ¹, Ô ÊÜáñÜᤠw CÊÜÃáÜ Êæç ±ÝÆá¨ÝÄPÝ ÓÜíÓæ¿ § áÈÉ ±ÝÆá¨ÝÃÜÃÝX¨ÝªÃ.æ
AÊÜÃáÜ ¸ÝÂíQ®ÜÈÉ ñæè
æ Ü aÝȤ TÝñæ¿á®Üá° G ÊÜáñÜᤠ¹ ¯ÊÜì×ÓÜáñݤÃíæ ¨Üá
¸ÝÂíPÜÃ¯Ü Wæ £ÚÔÃÜáñݤÃ.æ ¸ÝÂíPÜÃ®Ü áÜ A¨Ü®áÜ ° J²³Pã
æ ívÜá G ÊÜáñÜá¤ Ô ÓÜ×
ÊÜÞw¨Ü aæPÜR®Üá° ±ÝÊÜ£ÓܟÖÜá¨æà ?
b) Rajesh could not present the cheque received from his
friend due to the busy schedule. Period of limitation is
about to expire on a day which happens to be a public
holiday. Advice Rajesh.
ÃÝhæàÍ ñܮܰ Óæ°à×ñܯí¨Ü ±Üvæ¨Ü aæPÜ®Üá° PæÆÓÜ ¯Ëáñܤ PÝÃÜ| ¸ÝÂíQWæ
ÓÜÈÉÓÜÇÝWÜÈÆÉ. ÓÝÊÜìg¯PÜ ÃÜhÝ ©®Ü¨Üí¨Üá PÝÆ ±ÜÄËᣠAÊܗ
ÊÜááPݤ¿áÊÝWÜáÊÜâ¨ÜÃÜÈɨæ. ÃÝhæàÍ Wæ ÓÜÆÖæ ¯àw.
c) A customer of a Canara Bank approaches another branch of
the same bank for loan facility against F.D. receipt of
Rs. 2,00,000.00 issued in his favour. Whether his request
for loan can be considered ? Decide.
Pæ®ÜÃÝ ¸ÝÂíQ®Ü Jí¨Üá ÍÝTæ¿á WÝÅÖÜPÜ®Üá A¨æà ¸ÝÂíQ®Ü C®æã°í¨Üá
ÍÝTæWæ ÖæãàX ¯ÃÜSá sæàÊÜ~ ±ÜñÜÅ¨Ü B«ÝÃÜ¨Ü ÊæáàÇæ ÃÜã±ÝÀá
2,00,000.00 ÓÝÆ PæãvÜáÊÜíñæ ±ÜÅÓݤÊÜ®æ ÊÜáãÆPÜ Ë®Üí£ÓÜáÊÜ®Üá.
¸ÝÂíPÜÃÜ®Üá D ±ÜÅÓݤÊÜ®æ¿á®Üá° ÖæàWæ ±ÜÄWÜ~ÓܸæàPÜá ? ¯«ÜìÄÔ.
________________
*0404/0805* 0404/0805
IV Semester 3 Year LL.B./ VIII Semester 5 Year B.A. LL.B./B.B.A. LL.B.
Examination, June/July 2017
Opt. – II : BANKING LAW

Duration : 3 Hours Max. Marks : 100

Instructions : 1. Answer Q. No. 9 and any five of the remaining questions.

2. Q. No. 9 carries 20 marks and the remaining questions

carry 16 marks each.

3. Answers should be written either in English or Kannada

completely.
ÓÜãaÜ®æWÜÙÜá : 1. ±ÜÅÍæ° ÓÜíTæ 9 ÊÜáñÜᤠEÚ¨Ü ¿ÞÊÜâ¨Ý¨ÜÃÜã 5 ±ÜÅÍæ°WÜÚWæ EñܤÄÔ.
2. ±ÜÅÍæ° ÓÜíTæ 9 PæR 20 AíPÜWÜÙÜá ÖÝWÜã EÚ¨Ü ±ÜÅ£ ±ÜÅÍæ°Wæ 16 AíPÜWÜÙÜá.
3. EñܤÃÜÊÜ®Üá° ÓÜí±Üä|ìÊÝX BíWÜÉ A¥ÜÊÝ PܮܰvܨÜÈÉ ŸÃæÀáÄ.

Q. No. 1. Explain the functions of Commercial Bank. Marks : 16

ÊÝ~g ¸ÝÂíPÜáWÜÙÜ PÝ¿áìWÜÙÜ®Üá° ËÊÜÄÔ.

Q. No. 2. Explain the functions of Reserve Bank of India and discuss its
supervisory role. Marks : 16
»ÝÃÜ£à¿á ÄÓÜÊ ì ¸ÝÂíQ®Ü PÝ¿áìWÜÙÜ®Üá° ËÊÜÄÔ ÊÜáñÜᤠA¨ÜÃÜ
ÊæáàÈÌaÝÃÜOÝ ±ÝñÜÅWÜÙÜ PÜáÄñÜá aÜbìÔ.

Q. No. 3. Explain the general principles relating to secured loan. Marks : 16

»Ü¨ÜÅñæ¿á ÓÝÆPæR ÓÜíŸí«Ü±Üor ÓÝÊÜޮܠñÜñÜÌWÜÙÜ®Üá° ËÊÜÄÔ.

Q. No. 4. Define ‘Cheque’. How it differs from a promissory note ? Marks : 16

"aæP ' ÍܟªÊÜ®Üá° ÊÝÂTݯÔ. A¨Üá ˯ÊÜá¿á ±ÜñÜÅ©í¨Ü ¿ÞÊÜ ÄࣿáÈÉ
ÊÜÂñÝÂÓÜÊÜ®Üá° Öæãí©¨æ ?

P.T.O.
0404/0805 -2- *0404/0805*
Q. No. 5. Who is customer of a bank ? Explain the relationship between
Banker and Customer. Marks : 16
¸ÝÂíQ®Ü WÝÅÖÜPÜ Gí¨ÜÃæ ¿ÞÃÜá ? ¸ÝÂíPÜà ÊÜáñÜᤠWÝÅÖÜPÜÃÜ ÊÜá«æ CÃÜáÊÜ
ÓÜíŸí«ÜWÜÙÜ®Üá° ËÊÜÄÔ.

Q. No. 6. Explain the various trends of E-banking services. Marks : 16

C&¸ÝÂíQíW ÓæàÊæWÜÙÜ ËË«Ü ¸æÙÜÊÜ~WæWÜÙÜ®Üá° ËÊÜÄÔ.

Q. No. 7. Discuss powers and functions of Banking Ombudsman. Marks : 16

¸ÝÂíQíW KíŸv ÕÊÜá® CÊÜÃÜ A—PÝÃÜ ÊÜáñÜᤠPÝ¿áìWÜÙÜ®Üá° aÜbìÔ.

Q. No. 8. Write short note on any two of the following : Marks : 2×8=16
¿ÞÊÜâ¨Ý¨ÜÃÜã GÃÜvÜPæR ÆZá q±Ü³~ ŸÃæÀáÄ :
(a) Agency services
PÝ¿áì»ÝÄ ÓæàÊæWÜÙÜá
(b) Protection to Paying Banker
±ÝÊÜ£ ¸ÝÂíPÜÃÜ®Ü ÃÜPÜÒOæWÜÙÜá
(c) Credit card.
PæÅwp PÝv ì.

Q. No. 9. Solve any two of the following problems : Marks : 2×10=20

D PæÙÜX®Ü ¿ÞÊÜâ¨Ý¨ÜÃÜã GÃÜvÜá ÓÜÊÜáÓæÂWÜÙÜ®Üá° £àÊÜÞì¯Ô :
(a) One Mr. Venkat has a current account in the Vijaya Bank.
A cheque for Rs. 50,000 was issued by him in favour of his
minor son, Ramesh is presented for the payment at the
counter of the bank. Can the banker pay the amount to the
minor son of the drawer ? Decide.
ÎÅà ÊæíPÜoÃÜÊÃÜ áÜ Ëg¿Þ ¸ÝÂíP ®ÜÈÉ aÝȤ TÝñæ¿á®Üá° Öæãí©ÃÜáñݤÃ.æ
AÊÜÃáÜ AÊÜÃÜ A±Ýű¤Ü ÊÜ¿áÔÕ®Ü ÊÜáWÜ ÃÜÊáæ àÍÜ®Ü ÖæÓÄÜ ®ÜÈÉ ÃÜã. 50,000
aæP ®Üá° ¯àwÃÜáñݤÃæ. ÃÜÊæáàÍÜ®Üá B aæP ®Üá° ¸ÝÂíQ®ÜÈÉ ±ÝÊÜ£WÝX
J²³ÓÜáñݤ®æ. ÊæíPÜoÃÜ A±Ýűܤ ÊÜ¿áÔÕ®Ü ÊÜáWܯWæ ¸ÝÂíPÜà ÖÜ|
PæãvܟÖÜá¨æà ? ¯«ÜìÄÔ.
*0404/0805* -3- 0404/0805
(b) A customer has a credit balance of Rs. 2,080 in his current
account. Three cheques of Rs. 1,000, Rs. 500 and Rs. 1,200
are simultaneously presented for payment. As a banker how
will you act in this situation ? Decide.
JŸº WÝÅÖÜPÜ®Üá ¸ÝÂíQ®Ü ÎÆáR 2,080 ÃÜã. WÜÙÜ gÊæá¿á ÎÆáR
ñæ ã àÄÓÜ á ñݤ®æ . AÊÜ ® Ü á ÊÜ á ãÃÜ á aæ P Ü á RWÜ Ù Ü ® Ü á ° ¯àw¨Ü á ª , AÊÜ â
ÃÜ ã . 1, 000 , ÃÜã. 500 ÊÜáñÜᤠÃÜã. 1,200 WÜÚWÝX ŸÃæ¿áƳqrÊæ. D
ÊÜáãÃÜá aæPÜáRWÜÙÜá ¸ÝÂíQ®ÜÈÉ Jí¨æà ÊæàÙæWæ ÖÝgÃÜá ÊÜÞvÜƳqrÊæ.
¸ÝÂíPÜÃÜ®Üá D ÓÜí¨Ü»ÜìWÜÙÜÈÉ ÖæàWæ ÊÜ£ìÓܸæàPÜá ? £àÊÜÞì¯Ô.
(c) A fixed deposit receipt marked as “not transferable”. But it
was transfered by the depositor to another person ? Decide
its validity.
¯ÃÜSá sæàÊÜ~ ±ÜñÜŨÜÈÉ ""ÊÜWÝìÀáÓÜáÊÜí£ÆÉ '' Gí¨Üá ®ÜÊÜáã©ÓÜÇÝX¨æ.
sæàÊÜ~¨ÝÃÜ D sæàÊÜ~ ±ÜñÜÅÊÜ®Üá° ¸æàÃæ ÊÜÂQ¤Wæ ÊÜWÝìÀáÓÜáñݤ®æ. A¨ÜÃÜ
PÜÅÊÜ៨ܜñæ¿á®Üá° ¯«ÜìÄÔ.
________________