*040420590805*

0404/2059/0805
IV Semester 3 Year LL.B./ VIII Semester 5 Year B.A.LL.B. (Maj.-Min.) /
VIII Semester 5 year B.A.LL.B./B.B.A.LL.B. (Old/New) Examination,
December 2018
banking law (Opt. – II)

Duration : 3 Hours Max. Marks : 100

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

±ÜÅ. ÓÜí. 9 ÊÜáñÜᤠEÚ¨Ü ¿ÞÊÜâ¨æà I¨ÜPæR EñܤÄÔÄ.
2. Q. No. 9 carries 20 marks and the remaining questions
carry 16 marks each.
±ÜÅ. ÓÜí. 9 PæR 20 AíPÜWÜÙÜá ÊÜáñÜᤠEÚ¨ÜÊÜâWÜÚWæ ñÜÇÝ 16 AíPÜWÜÙÜá.
3. Answer should be written either in English or Kannada
completely.
EñܤÃÜÊÜ®Üá° BíWÜÉ A¥ÜÊÝ PܮܰvܨÜÈÉ ÓÜí±Üä|ìÊÝX ŸÃæ¿á¸æàPÜá.

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

»ÝÃÜ£à¿á ÄÓÜÊ…ì ¸ÝÂíQ®Ü ±ÜÅPÝ¿áìWÜÙÜ®Üá° ËÊÜÄÔÄ.

Q. No. 2. Discuss the Banker’s obligation to maintain the secrecy of the

customers account. Marks : 16
WÝÅÖÜP®Ü Ü TÝñæ¿á Wè±ÜÂñæ¿á®Üá° PݱÝvÜáÊÜ ¸ÝÂíQ®Ü ÖæãOæWÝÄPæ¿á®Üá°
aÜbìÔÄ.

Q. No. 3. What are the activities permitted by the Banking Regulation

Act, 1949 to be taken up by the Banker ? Explain. Marks : 16
¸ÝÂíPÜáWÜÙÜ ¯¿áíñÜÅ| A˜¯¿áÊÜá, 1949 ÃÜ ±ÜÅPÝÃÜ ¸ÝÂíPÜáWÜÚWæ
¿ÞÊÜ ¿ÞÊÜ ÊÜÂÊÜÖÝÃÜWÜÙÜ®Üá° ®ÜvæÓÜÆá A®ÜáÊÜ᣿á®Üá° ¯àvÜÇÝX¨æ ?
ËÊÜÄÔÄ.

Q. No. 4. Explain the sound principles of banking and lending. What are
the general precautions of lending ? Marks : 16
¸ÝÂíQíW… ÊÜáñÜᤠÓÝÆ ¯àvÜáËPæWæ CÃÜáÊÜ ±ÜÅÊÜááS E±ÜŸí«ÜWÜÙÜ®Üá°
ËÊÜÄÔ. ÓÝÆ ¯àvÜÆá CÃÜáÊÜ ÓÝÊÜޮܠÊÜááíhÝWÜÃÜãPÜñæWÜÙæà®Üá ?

P.T.O.
 0404/2059/0805 -2- *040420590805*
Q. No. 5. What is endorsement ? Explain the different kinds of
endorsement. Marks : 16
×íŸÃÜÖÜ Gí¨ÜÃæà®Üá ? ×íŸÃÜÖÜ¨Ü ËË«Ü ±ÜÅPÝÃÜWÜÙÜ®Üá° ËÊÜÄÔÄ.

Q. No. 6. What are the precautions to be taken by a banker while lending

against immovable property ? Explain. Marks : 16
Ô§ÃÝÔ¤WÜÙÜ B«ÝÃÜ¨Ü ÊæáàÇæ ÓÝÆ ¯àvÜáÊÝWÜ ¸ÝÂíPÜá ñæWæ¨ÜáPæãÙÜÛ¸æàPݨÜ
ÊÜáá®æ°aÜcÄPæWÜÙÜá ¿ÞÊÜâÊÜâ ? ËÊÜÄÔÄ.

Q. No. 7. Explain the ancilliary services of a bank. Marks : 16

¸ÝÂíQ®Ü ±ÜäÃÜPÜ ÓæàÊæWÜÙÜ®Üá° ËÊÜÄÔÄ.

Q. No. 8. Write note on any two of the following :   Marks : 8×2=16

D PæÙÜX®Ü ¿ÞÊÜâ¨Ý¨ÜÃÜã GÃÜvÜÃÜ ÊæáàÇæ q±Ü³~ ŸÃæÀáÄ :
(a) Co-operative Bank.
ÓÜÖÜPÝÄ ¸ÝÂíP….
(b) Mobile Banking System.
Êæã¸æçÇ… ¸ÝÂíQíW… ÊÜÂÊÜÓæ§.
(c) Noting and protesting.
q±Ü³~ ÊÜáñÜᤠ±ÜÅ£»Üo®æ.

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

D PæÙÜX®Ü ¿ÞÊÜâ¨Ý¨ÜÃÜã GÃÜvÜ®Üá° ¯«ÜìÄÔÄ :
(a) “A” is the holder of a cheque payable to the bearer. “A” has
lost the cheque and “B” has found the cheque. Can “B” receive
the payment by producing the cheque to the bank ?
“A” ®Üá ÊÝÖÜPܯWæ ÓÜí¨Ý¿á ÊÜÞvܸæàPÝ¨Ü «Ü®Ý¨æàÍÜ¨Ü «ÝÃÜPÜ
BXÃÜáñݤ®.æ “A” ®Üá B «Ü®Ý¨æàÍÜÊÜ®Üá° PÜÙæ¨ÜáPæãÙÜáÛñݤ®æ ÊÜáñÜᤠB
«Ü®Ý¨æàÍÜÊÜâ “Ÿ” ¯Wæ ÔWÜáñܤ¨æ. “Ÿ”®Üá B «Ü®Ý¨æàÍÜÊÜ®Üá° ¸ÝÂíQWæ
¯àw ÓÜí¨Ý¿áÊÜ®Üá° ÔÌàPÜÄÓÜŸÖÜá¨æ ?

*040420590805* -3- 0404/2059/0805
(b) “A” has taken 500 Rs. loan from “B” and “A” gives a
promissory note and “A” promises to pay Rs. 500 to B on
the marriage day of B. Is it a valid promissory note ?
“A” ®Üá 500 ÃÜã. ÓÝÆÊÜ®Üá° “Ÿ” ¯í¨Ü ±Üvæ¿ááñݤ®æ ÊÜáñÜᤠ“A” ®Üá
Jí¨Üá ÊÜaÜ®Ü ±ÜñÜÅÊÜ®Üá° ¯àvÜáñݤ®æ ÊÜáñÜᤠ“Ÿ”®Ü ÊÜá¨ÜáÊæ¿á ©®Ü
500 ÃÜã. ®Üá° ÓÜí¨Ý¿á ÊÜÞvÜáñæ¤à®æ Gí¨Üá “A” ®Üá “Ÿ” ¯Wæ ÊÜaÜ®ÜÊÜ®Üá°
¯àvÜáñݤ®æ. C¨Üá Ôí«Üá ÊÜaÜ®Ü ±ÜñÜÅ BWÜáÊÜâ¨æ ?
(c) “A” who is a customer of a Bank has given Rs. 10,000 in
Rs. 10 coins to the bank for deposit. But bank has refused
to receive the coins on the ground of inconvenience. Can
“A” give complaint to the banking ombudsman ?
¸ÝÂíQ®Ü WÝÅÖÜPÜ®Ý¨Ü “A” ®Üá 10,000 ÃÜã. WÜÙÜ®Üá° 10 ÃÜã. ®Ý|ÂWÜÙÜ
ÃÜã±Ü¨È
Ü É gÊÜÞ ÊÞ
Ü vÜÆá ¸ÝÂíQWæ ¯àvÜáñݤ®.æ B¨Üà æ A®Ý®ÜáPÜãÆñæ¿á
PÝÃÜ|PÝRX ¸ÝÂíPÜá ®Ý|ÂWÜÙÜ®Üá° ÔÌàPÜÄÓÜÆá ¯ÃÝPÜÄÔñÜá. “A” ®Üá
¸ÝÂíQ®Ü JíŸvÜÕÊÜá®…ÃÜÊÜÄWæ ²¿Þì© ¯àvÜŸÖÜá¨æ ?
________________