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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.
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Q. No. 5. Who is customer of a bank ? Explain the relationship between
Banker and Customer. Marks : 16
¸ÝÂíQ®Ü WÝÅÖÜPÜ Gí¨ÜÃæ ¿ÞÃÜá ? ¸ÝÂíPÜÅ 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…ÕÊÜᮅ 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 ¸ÝÂíPÜÅ ÖÜ|
PæãvܟÖÜá¨æà ? ¯«ÜìÄÔ.
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(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.
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