*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£ ¸ÝÂíPÜÅ 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.
AíñÜÅhÝìÆ ¸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.
ÃÜÊæáàͅ ñܮܰ Óæ°à×ñܯí¨Ü ±Üvæ¨Ü «Ü®Ý¨æàÍÜÊÜ®Üá° PæÆÓÜ ¯Ëáñܤ PÝÃÜ|
¸ÝÂíQWæ ÓÜÈÉÓÇÜ ÝWÜÈÆÉ. ÓÝÊÜìg¯PÜ ÃÜhÝ©®Ü¨íÜ ¨Üá PÝÆ ±ÜÄËᣠAÊܗ
ÊÜááPݤ¿áÊÝWÜáÊÜâ¨ÜÃÜÈɨæ. ÃÜÊæáàͅWæ 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 ?
________________