About Commericial Banking in India Beginners

Banking has become a demand and a knowledge benchmark, for youth who wishes to enter into this Industry. This module is made especially for those who are interested to know about the industry and its functioning.

Why should one enroll in this course?
  • Know the basics of the Indian Banking.
  • Understand the structure and its working
  • Understand the clearing, settlement and risk management of the product.
  • To Learn the Fundamentals of Banking
  • Know the regulatory environment in which Banking operate in India.
Who will benefit from this course?
  • Students aspiring for Banking as a career
  • Bankers
  • Employees of Call Centres / BPOs of Banks
  • Teachers of Financial Courses & Professionals
  • Anybody having Interest in this field
Course Details

Duration: 30 hours (15 days)

Fees: Rs. 15000/-

Refund of fees: Rs.5000/- if examination cleared in first attempt.

Second attempt for examination additional: Rs. 2100/-

Contents of this course

Day 1 – Introduction
  • Definition on Banks
  • Evolution of Commercial Banks in India
  • Functions of Commercial Banks
  • Competitive Landscape of Banks in India
Day 2 – Banking Structure in India
  • Banking Structure in India
  • Role of Reserve Bank of India vis-à-vis Commercial Banks
Day 3 – Bank Deposit Accounts
  • Introduction to Bank Deposits
  • Types of Deposit Accounts
    1. Current Deposits
    2. Saving Bank Deposits
    3. Term Deposits
  • Strategies of mobilizing deposits
  • Common Guidelines of Opening and Operating Deposit Accounts
  • Deposit Related Services
  • Deposit Services Offered to Non-Resident Indians
    1. Non Resident Ordinary Accounts (NRO)
    2. Non-Resident (External) Rupee Accounts
    3. Foreign Currency Non Resident Account (Banks)
  • Deposit Insurance
    1. Banks insured by the DICGC
    2. Features of the scheme
Day 4 – Basics of Bank Lending
  • Principles of Lending and Loan policy
    1. Principles of lending
    2. Loan Policy
    3. Compliance with RBI guidelines
  • Basics of Loan Appraisal, Credit decision-making and Review
    1. Credit approval authorities
    2. Credit appraisal and credit decision-making
    3. Monitoring and Review of Loan Portfolio
  • Types of Advances
    1. Working Capital Finance
    2. Project Finance
    3. Loans to Small and Medium Enterprises
    4. Rural and Agricultural Loans
    5. Directed Lending
    6. Retail Loan
    7. International Loans Extended by Banks
  • Management of Non-Performing Assets
    1. Classification of non-performing Assets
    2. Debt Restructuring
    3. Other recovery options
    4. SARFAESI Act, 2002
Day 5 – Bank Invesments
  • Investment Policy
  • Statutory Reserve Requirements
    1. Maintenance of Statutory Liquidity Ratio (SLR)
    2. Penalties
  • Non-SLR Investments
    1. Bank Guidelines for investments in other than Government Securities
    2. Statutory Prescriptions
  • Banks' Investment Classification and Valuation Norms
    1. Treasury Management
    2. Forex Treasury Management
Day 6 – Other Activities of Commercial Banks
  • Other Basic Banking Activities
    1. Foreign Exchange Services
    2. Banks' services to Government
    3. Payment and Settlement Systems
    4. NRI Remittances
    5. Cash Management Services and Remittances
  • Para-banking Activities
    1. Primary Dealership Business
    2. Investment Banking/ Merchant Banking Services
    3. Mutual Fund Business
    4. Pension Funds Management (PFM) by banks
    5. Depository Services
    6. Wealth Management/ Portfolio Management Services
    7. Bancassurance
Day 7 – Relationship Between Bank and Customer
  • Strategy for expanding customer base
    1. Product Life Cycle Strategy
    2. Appropriate targeting
    3. Expanding product portfolio
  • Services to different Customer Groups
    1. Retail Customers
    2. Corporate Customers
    3. International Presence
    4. Rural Banking Customers
  • Competition amongst Banks for Customers
    1. Competition for Retail Products and Services
    2. Competition for Corporate Products and Services
    3. Competition for International Banking
    4. Competition for Rural Customers
  • Customer Relationship Management
    1. Committees on Customer Service
    2. Board-approved Policies on Customer Service
    3. Giving Publicity to the Policies
    4. Operations of Accounts by Special Category of Customers
    5. Customer Confidentiality Obligations
    6. National Do Not Call Registry
  • Banking Ombudsman Scheme
    1. Appointment of Banking Ombudsman
    2. Filing a Complaint to the Banking Ombudsman
    3. Limit on the Amount of Compensation as Specified in an Award
    4. Further recourse available
  • Know Your Customer (KYC) norms
    1. Customer Acceptance Policy
    2. Customer Identification Procedures
    3. Monitoring of Transactions
    4. Risk Management
  • Prevention of Money Laundering Act (PMLA), 2002
Day 8 – Evolving Trends in Modern Banking
  • Technology
    1. Internet Banking
    2. Mobile Banking Transactions
    3. Point of Sale (PoS) Terminals
  • Outsourcing of Non-core Activities
  • Financial Inclusion
    1. Initiatives taken by the RBI
    2. Micro Credit
Day 9 – Recap & Revision
Day 10 – Recap & Revision
Day 11 – Recap & Revision
Day 12 – Recap & Revision
Day 13 – Recap & Revision
Day 14 – Recap & Revision
Day 15 – Recap & Revision

FAQ's

1. 1. You are eligible for a refund until the course / specialization launches on the platform however kindly note 25% reduction will be done on the amount paid if applied for cancellation.

2. You are not eligible for a refund after earning a Course Certificate, even if you complete a course in a short period.

3. Rs.5000/- will be refunded as a token of reward if examination is cleared in first attempt.

Yes—to enroll in an individual course, search for the course title in the catalog.

Yes, kindly contact Nathani Finance

15 Days Classroom Training

1 Day for Examination

New Batch admission will start every month.

No specific background is required for this course, anybody can join having interest in this Industry.

Although you can take the courses in any order, however we do recommend that you follow the suggested sequence of courses

Yes, Successful candidates will be rewarded the Certificate by the below mentioned organisations post clearing the exams.

Nathani Institute Pvt. Ltd.

National Stock Exchange Ltd.