Curriculum
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A complete journey covering banking, fintech, compliance & professional skills
A: Banking Foundations & Preparation
Overview of the role of banks and core banking principles are
- Banking as a trust-driven business and an introduction to bank products
- RBI framework and key banking regulations
- Introduction to the banking industry and its structure
- Understanding the Indian financial system
B: Asset Products
- Secured Lending Products: Home loans, auto loans, gold loans, Loan Against Property (LAP), and Loan Against Securities (LAS)
- Unsecured Lending Products: Credit cards, personal loans, education loans, and business loans
C: Liability Products
- Current Accounts: Basics of current accounts and different CA variants
- Savings Accounts: Features, benefits, and types of savings accounts
Role of bank deposits in strengthening banks and the economy, along with an overview of major liability products
D: Audit, Compliance & Risk
Regulatory compliance and audit processes in banking
- Banking Ombudsman Scheme and benefits of the RBIO scheme
- Banking code of conduct, RBI clean note policy, and security features of currency notes
- KYC guidelines for savings bank accounts, adherence to process, and AML framework
- Importance of KYC, Re-KYC, EDD, and key indicators of suspicious activities
- Money laundering, suspicious transactions, key risk indicators, and enhanced due diligence (EDD).
- Customer due diligence case studies and sourcing-based due diligence.
E: Functions of Banks
Types of deposits and methods of interest calculation
Know Your Customer (KYC) policy
Types of customers (individual and non-individual)
- Documents required to open different types of bank accounts
- Account opening process and due diligence procedures
- NRI accounts: types and required documentation
- Laws related to negotiable instruments (NI Act)
- Cash operations including receipts and payments
- Counterfeit notes and clean note policy
- Clearing operations (CTS): process and benefits
- Payment instruments and electronic fund transfers – RTGS, NEFT, IMPS, and UPI
- Account operations related to non-financial transactions
- Third-party products (TPP): sales and servicing of mutual funds and insurance
- Foreign exchange fundamentals
- Retail loans including documentation and CIBIL requirements.
F: Banking Sales & Relationship Management
Banking sales including acquisitions, prospecting, customer profiling, lead generation, and conversion
Selling and negotiation skills covering lead generation, cross-selling, and up-selling
Documentation requirements for private limited companies, partnership firms, and LLPs
Lead generation techniques
- Understanding the sales funnel
- Market scoping and the importance of area mapping
- Cold calling techniques and appointment-fixing scripts
Importance of OSV
- Field verification processes
- FTR concepts in sales
- Relationship management strategies
- Customer service excellence, service skills, and complaint handling
- Fraud and forgery awareness
- Money laundering and anti-money laundering principles
G: Digital Banking & Fintech
Soft skills and personality development
Digital banking trends and innovations
- Role of fintech in retail banking
- Mobile banking and payment systems
- Digital banking concepts
- Core banking solutions
- Digital and alternate channels including ATM, net banking, and mobile banking
H: Professional Excellence
Business etiquettes and professional conduct.
Email writing and handling inbound and outbound calls
- Group discussions
- Role plays and practical simulations
- Resume writing
- Mock interviews
I: Customer Interaction & Service Quality
- Understanding customer needs and behavior.
- Effective communication and active listening skills
- Handling difficult customers and objections
- Service quality standards followed in banks
- Building long-term customer relationships
Contribution to Nation’s Growth
By enabling financial access and supporting economic activity, banking professionals contribute significantly to the country’s overall development.
Job Security & Recognition
Business etiquettes and professional conduct <br>
Email writing and handling inbound and outbound calls
- Group discussions
- Role plays and practical simulations
- Resume writing
- Mock interviews
Opportunities for Innovation
Careers in banking allow professionals to contribute to innovation by working on advanced financial products and digital banking initiatives.
frequently asked question
More About Curriculum
To enhance your approval prospects, ensure your business financials are in order, maintain a good credit score, clearly outline your business plan, and demonstrate a stable revenue stream. Consulting with a financial advisor can also provide valuable insights.
Business loans come in various forms, including term loans, lines of credit, and SBA loans. The choice depends on factors such as your business goals, the purpose of the loan, and your repayment capacity. Our financial experts can assist you in selecting the most suitable option.
Commonly requested documents include business financial statements, tax returns, a detailed business plan, personal financial information, and legal business documents. Having these prepared in advance can streamline the application process.
The approval timeline varies based on factors like the type of loan, the complexity of your application, and the lender's processing time. Generally, it can take anywhere from a few weeks to a few months. Once approved, funds are typically disbursed promptly, allowing you to initiate your planned business activities.
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