DCM2202 FINANCIAL SERVICES JULY-AUG 2025

Description

SESSION	JULY -AUG 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 Funds and Structural Classification

Mutual funds are collective investment schemes in which money from numerous investors is pooled and professionally managed in securities such as shares, bonds, and money market instruments. One of the most important ways of classifying mutual funds is their structure, which determines how they function, the liquidity they offer, and how units are issued and redeemed. Based on structure, mutual funds are broadly divided into three major categories: open-ended funds, closed-ended funds, and interval funds. Each type has distinct operational

 

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

Ans 2.

Role of IRDA in the Indian Insurance Sector

IRDA and Its Purpose

The Insurance Regulatory and Development Authority of India (IRDAI) is the apex regulatory body responsible for overseeing and promoting the insurance industry in India. Established under the IRDA Act of 1999, the authority plays a crucial role in ensuring fair practices, financial stability, and consumer protection in the insurance sector. Its functioning is essential for maintaining transparency, efficiency, and orderly growth in both life and

 

 

Q3. Explain the important features of securitization. 10

Ans 3.

Important Features of Securitization

Meaning and Purpose of Securitization

Securitization is a financial process in which illiquid assets such as loans, mortgages, credit card receivables, or lease payments are pooled together and converted into marketable securities. These securities are then sold to investors, allowing financial institutions to free up capital, improve liquidity, and reduce credit risk. Securitization connects borrowers, lenders,

 

 

Set – 2

 

 

Q4. Explain the functions of Portfolio management. 10

Ans 4.

Functions of Portfolio Management

Portfolio Management

Portfolio management refers to the process of managing an individual’s or institution’s investments in a way that maximizes returns while minimizing risk. A portfolio typically includes a combination of assets such as shares, bonds, mutual funds, real estate, and other financial instruments. The objective of portfolio management is to design and maintain an investment mix that aligns with the investor’s risk appetite, return expectations, time horizon, and financial goals. It is both an art and a science, involving analysis, decision-making,

 

 

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

Ans 5.

Role of Investment Banking in Financial Markets

Investment Banking

Investment banking plays a crucial role in modern financial markets by providing specialised financial services that facilitate capital formation, corporate restructuring, and efficient market functioning. Investment banks act as intermediaries between companies seeking capital and investors providing funds. They also offer advisory services, underwriting support, mergers and acquisitions assistance, and sophisticated financial solutions to

 

 

Q6. Discuss the Credit Rating Process in detail used by credit rating agencies. 10

Ans 6.

Credit Rating Process Used by Rating Agencies

Credit Rating

Credit rating is an independent assessment of the creditworthiness of a borrower or financial instrument. It reflects the ability of a company, government, or financial product to meet its debt obligations. Credit rating agencies such as CRISIL, ICRA, CARE, and global firms like Moody’s and Standard & Poor’s evaluate the financial health, performance, and risk levels associated with borrowers. The credit rating process is detailed and systematic to ensure