Retail Banking Professional Program

The module will expose students to the basics of banking, starting from its historical evolution to the current banking systems and the divergent banking types and services. Students will learn the key concepts, types of banking accounts, loans, credit systems, and risk management. This module aims to impart a solid foundational understanding for grasping more advanced banking concepts.

This module delves into the principles and practices of ethical banking. Students will develop a comprehensive understanding of the moral responsibilities of financial institutions, including fair lending practices, transparency, corporate social responsibility, and the practices that involve protecting clients and communities from negative impacts. The module will cover the importance of building customer trust and confidence and how ethical banking contributes to long-term sustainability and success in the financial sector. Through this module, students will learn the dynamics of banks implementing socially responsible business practices and investment policies.

This module exposes students to the divergent bank services offered to businesses, including the understanding of the different types of accounts, loans, and financial products designed for businesses of all sizes. Students will explore various banking services to make money through fees, commissions and interests. The module will also cover cash management services, merchant services, trade finance, and other specialized products that help businesses manage their finances efficiently. The section focuses on how banks support businesses in their day-to-day operations and growth strategies.

This module focuses on the borrowing needs of both retail customers and commercial entities. Students will learn about different types of loans, such as personal loans, mortgages, business loans, and lines of credit. The module is also an in-depth exploration of the various criteria banks employ to assess creditworthiness, the process of loan approval, and the management of loan portfolios. Students will also delve into the concept of risk management in lending and the regulatory frameworks that govern borrowing.

This chapter explores the financial products and services tailored for individuals and the agricultural sector. Students will learn about personal finance products such as savings accounts, investment options, insurance, and retirement planning. Additionally, the chapter will cover agricultural finance, including the unique challenges faced by farmers and the financial products designed to support their needs, such as crop loans, equipment financing, Agricultural insurance and term loans, Kisan Credit Card (KCC) schemes, and several other rural development schemes. The module focuses on understanding the role of banks in promoting financial inclusion and supporting the rural economy.

This final module focuses on the personal and professional development of the students. They will learn the importance of personal grooming, professionalism, and effective communication skills in the banking sector. The module will delve into the essentials of customer interaction, building a professional image, and the importance of soft skills in building strong client relationships. The aim is to prepare students to represent their institutions confidently and competently in any professional setting.