DCM2202 FINANCIAL SERVICES

Description

SESSION	MARCH 2025
PROGRAM	BACHELOR OF COMMERCE (B COM)
SEMESTER	IV
COURSE CODE & NAME	DCM2202 FINANCIAL SERVICES

 

 

Set – 1

 

 

 

Q1. Explain the classification of mutual funds based on structure 10

Ans 1.

Classification of Mutual Funds Based on Structure

Mutual Fund Structure

Mutual funds are collective investment schemes that pool money from numerous investors to invest in various financial instruments like stocks, bonds, and other securities. They are professionally managed by asset management companies and offer diversification and convenience to investors. Mutual funds can be classified in several ways, but one of the most significant is based on their structure. This classification affects liquidity, flexibility, and

 

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Q2. Describe the role of IRDA in insurance sector in India.         10                

Ans 2.

Role of IRDA in the Insurance Sector in India

IRDA

The Insurance Regulatory and Development Authority of India (IRDAI) is the apex regulatory body overseeing the insurance sector in India. It was established in 1999 under the IRDA Act and functions under the Ministry of Finance. The primary aim of IRDA is to promote the development of the insurance sector while ensuring the protection of policyholders’ interests. It plays a

 

 

Q3. Discuss the important features of securitization. 10            

Ans 3.

Important Features of Securitization

Securitization

Securitization is a financial process through which illiquid assets such as loans or receivables are pooled together and converted into tradable securities. These securities are then sold to investors, thereby enabling the originator (usually a bank or financial institution) to generate liquidity and manage risk more effectively. This process has gained significant importance in the Indian financial market as a tool

 

 

 

Set – 2

 

 

Q4. Explain different types of consumer finance in India. 10              

Ans 4.

Different Types of Consumer Finance in India

Consumer Finance

Consumer finance refers to the range of credit facilities provided to individuals to meet their personal or household needs. It helps consumers purchase goods and services immediately while allowing them to repay in installments over time. In India, the consumer finance sector has grown rapidly due to increasing disposable incomes, digitization, and greater financial inclusi

 

 

Q5. Discuss the role of investment banking in financial markets. 10               

Ans 5.

Role of Investment Banking in Financial Markets

Introduction to Investment Banking

Investment banking is a specialized segment of banking that provides financial and advisory services to corporations, governments, and high-net-worth individuals. Unlike commercial banks, which focus on deposits and lending, investment banks assist in capital raising, mergers and acquisitions, underwriting, and market making. In India, investment banking has become increasingly vital due to economic

 

Q6. Elaborate the steps involved in Credit rating process.            10       

Ans 6.

Steps Involved in Credit Rating Process

Credit Rating

Credit rating is the evaluation of the creditworthiness of a borrower, typically a company or government, conducted by a credit rating agency. The objective is to assess the likelihood of timely repayment of debts. Credit ratings influence investor confidence and affect borrowing costs. In India, major credit rating agencies include CRISIL, ICRA, CARE Ratings, and India Ratings.

Request and Agreement

The credit rating process begins when an entity requests a rating from a recognized credit rating agency. The issuer and the