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ASSIGNMENT
DRIVE SPRING 2016
PROGRAM MBA
SEMESTER III
SUBJECT CODE & NAME MA0039 &RETAIL BANKING
BK ID B1619
CREDITS 4
MARKS 60
Note: Answer all questions. Kindly note that answers for 10 marks questions should be
approximately of 400 words. Each question is followed by evaluation scheme.
Question. 1. Write notes on :
TDS on deposits
Answer: The full form of TDS is Tax Deducted at Source. Thus, when someone deducts tax at
appropriate rate at the time of making payment, then the amount deducted is known as tax
deducted at sources. One of the most often case for such TDS is the deduction of the tax on the
interestpaidonFixeddepositstoyoubyall banks. From FY 2015-16 onwards,TDS is also applicable
for Recurring Deposits. However, there is no TDS for interest earned on Saving Bank accounts.
Order Nisi
Answer: In most common law jurisdictions, a decree nisi must be obtained in possession
proceedings before the court will order foreclosure under a mortgage enforcement.
Thisform of rulinghasbecome a rarity inrecenttimes,withfew exceptions:insome jurisdictions, it
isstill a standardstage of divorce proceedings.InHongKong,andin Englandand Wales, section 1(5)
of the Matrimonial Causes Act 1973 provides that "

2. Legal status enjoyed by nominee
Answer: If youthinkappointingnomineesforall yourinvestments,frominsurance to property, is as
goodas draftinga will,youmay be wrong. Mumbai-based Nalin Shah found this out recently when
he approached his lawyer for drafting a will. In 2010, he had appointed his wife as a nominee in an
insurance policy, but his
Banker’s Lien and General Lien
Answer: A lien is the right of a creditor in possession of goods, securities or any other assets
belonging to the debtor to retain them until the debt is repaid, provided that there is no contract
expressorimplied,tothe contrary.It isa rightto retainpossessionof specific goods or securities or
other movables
Question. 2. Draw a comparison of Cash Credit and Overdraft as
retail asset products.Differentiate between Indemnity and
Guarantee as non-fund based products.
Answer:Many business organization needs funding for fulfilling their monetary requirement. The
fundingcaneitherbe shorttermor longterm. Nowadays people choose a short term loan like cash
creditand overdraft.“CashCredit”isa type of facilityprovidedbythe bankorfinancial institution in
which, a company can withdraw an amount more than what he holds to his credit against the
securityof stock.“Overdraft”isanotherfacility,inwhichthe bankpermitsthe customer to debit his
current account below zero but only
Question. 3. “Money Laundering is a conversion of illegal money
into white money”. Illustrate theconcept and explain the
importance of prevention of money laundering legislationinitiated
by the Govt. of India.
Answer:Indiaisextensivelygrippedundercrime of money laundering. Money laundering is usually
usedbycriminalstohide moneymade throughillegalact.It isthe process by which huge amount of
moneyobtained unlawfully, from drug trafficking, terrorist activity or other severe crimes. Money
launderinghasan unfavourable impactoneconomyandpoliticalsteadinessof nation.Itisnecessary
that all nations of the world must jointly

3. Question. 4. Illustrate the concepts of :
a) Marketing Mix and
Answer: Marketingmix isa businesstool usedinmarketing and by marketers. The marketing mix is
oftencrucial whendetermininga product or brand's offer, and is often associated with the four Ps:
price,product,promotion,andplace.Inservice marketing,however,the fourPsare expandedtothe
seven Ps or Seven Ps to address the different nature of services.
b) Market Segmentation
Answer: Marketsegmentationisamarketingstrategywhichinvolvesdividing a broad target market
into subsets of consumers, businesses, or countries that have, or are perceived to have, common
needs, interests, and priorities, and then designing and implementing strategies to target them.
Market segmentation strategies are generally used to identify and further define the target
customers, and provide
Question. 5. Explain the some of the new channels of banking
operations.Can you predict some more advancement in this
directions ?
Answer: Keyemergingbusiness and technology trends across retail banking channels to meet new
client demands and optimize channel distribution costs
Traditionally, retail banks have used branches, ATM, call centers, mobile, and Internet to interact
with their customers, though newer direct channels such as social media have emerged recently.
Branches have always played an important role and remain a key banking channel. However the
changingneedsandpreferencesof customers,coupledwithgrowingtechnological innovations, has
led to the increased popularity and
Question. 6. Describe the concept of Inter Bank Settlements. Give
examples.What do you understand by Intra Day Liquidity ? Give
examples.
Answer: Inthe non-cash payment system money is transferred from a payer's account to a payee's
account. This means that the operating of the non-cash payment system is reserved to financial

4. institutions - bankswithwhichclientsdeposittheirmoneyonaccounts. Banksexecute the payments
based on their clients' instructions
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