DBB2212 INDIAN FINANCIAL SYSTEM

Description

SESSION	JUL – AUG 2026
PROGRAM	BACHELOR OF BUSINESS ADMINISTRATION (BBA)
SEMESTER	IV
COURSE CODE & NAME	DBB2212 INDIAN FINANCIAL SYSTEM

 

 

Assignment Set 1

 

1. Explain the concept, evolution, structure, functions and major services of commercial banks in India. Also discuss their role in the economic development and financial system of the country.

Ans 1.

Concept and Evolution of Commercial Banks

Banks which operate on a commercial level take money from people (deposits), give money to people (loans), and help people pay for things (payments). The main purpose of commercial banks is to help connect people and companies that need some type of help with their money, with a structured way of saving, borrowing and moving money. What commercial banks decide to do affects daily purchases, as well as the amount of money there is to be used for things that

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2. Discuss the concept, evolution, functions and importance of investment banking in India. How does investment banking differ from commercial banking, and what are the major challenges faced by investment banks in the present financial environment?

Ans 2.

Meaning and Evolution of Investment Banking

Investment banking assists companies, government agencies, and other entities in raising capital and making large-scale financial decisions. The functions of investment banking include providing advice about issuing securities; engaging in mergers and acquisitions; restructuring; and developing financing options. Investment banks generally charge fees for specialized services, as opposed to generating revenue primarily through collecting deposits from households and lending funds to individuals.

In India, the use of

 

3. a) Describe the concept, functions and regulatory framework of merchant banking in India. Highlight the role of merchant bankers in issue management.
   b) Examine the role of merchant bankers in capital market development and the importance of SEBI regulations in ensuring transparency, investor protection and professional conduct.

Ans 3.

Meaning and Functions of Merchant Banking

In India, merchant banking has been very much a part of the process of issuing securities. It is also involved in the process of raising capital and helping companies to manage their corporate finances. The merchant banker will assist the company to put together a deal, help them to comply with the disclosure requirements, and coordinate the various professionals that are working on the deal.

Functions include: Advising on the use of capital structure; Preparing issue documentation; Arranging underwriting (if appropriate); Coordinating marketing efforts; Supporting compliance. Other areas of

 

Assignment Set 2

 

4. Describe the concept and process of issue management in the primary capital market. Outline the various methods of issuing securities, pricing mechanisms, disclosure requirements, allotment procedures and regulatory safeguards involved in public and private securities issues in India.

Ans 4.

Meaning and Process of Issue Management

The process of issue management allows for the organization of the creation and distribution of securities on the primary capital market. The issue manager brings together the issuer who wants to raise money from the public and investors who may want to invest in the newly issued security. Issue management involves many different steps such as: planning, documenting, setting

 

5. Define the concept and various types of leasing as a source of finance. Identify the advantages and limitations of leasing and specify the factors and methods involved in determining lease rentals.

Ans 5.

Meaning and Types of Leasing

Leasing enables businesses to utilize a business’s owned assets (property) in exchange for agreed upon payments. The lessor is the owner of the asset and the lessee is the user. Leasing can enable a business to acquire access to machines, cars, or other types of equipment without having to pay for the entirety of the equipment at the time of purchase.

A finance lease transfers most of the risks and benefits related to having control over an asset, even though it may not

 

6. State the concept, scope and importance of housing finance in India. Trace its evolution and institutional and regulatory framework, classify the major types of housing loans, and state the factors influencing the choice between fixed and floating interest rates.

Ans 6.

Meaning and Importance of Housing Finance

The purpose of housing finance is to provide money for purchasing, building, improving, or repairing residential properties. This money can be in the form of loans provided to families, as well as providing funding for housing developments that are part of the larger housing system. Because the cost of buying a home is generally higher than the amount of money a family has saved at any given