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- Recently it is said that finance is the fuel of every business. Thus finance function has enormous vitality among all business functions. It focuses on all activities. In the absence of finance, all business activities will be closed down. Some historical changes like Liberalization, Privatization and Globalization have brought unprecedented variations in the economic, trade, finance and industrial scenario. Liberalization, Privatization and Globalization environment have created tremendous competition in every sector. Financial instruments and services sector is one of them. By considering challenges of competition, its separate study was felt indispensable in commerce and management. With heart and soul I have showed my efforts in writing this book. I have written this book in order to cater to the needs of students appearing in commerce and management. Thus the main crux of this book Financial Instruments & Services is to provide a comprehensive knowledge about various instruments and services for optimum utilization of finance.