Inclusive Banking Through Business Correspondance Certification

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Current Status Not Enrolled Price ₹1.00 Course Content Expand All Module A: General Banking Structure of Indian Banking System and the Types of banks 6 Topics Expand Lesson Content 0% Complete 0/6 Steps Need for Banking Services Meaning of a Bank Structure of Indian Banking System Functions of Banks Regulation and Supervision of Banking in […]

By TAT

Last updated May 26, 2025

Current Status

Not Enrolled

Price

₹1.00

Course Content

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Module A: General Banking

Structure of Indian Banking System and the Types of banks 6 Topics

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0% Complete 0/6 Steps

Need for Banking Services

Meaning of a Bank

Structure of Indian Banking System

Functions of Banks

Regulation and Supervision of Banking in India

Recent Trends in Banking

Various Deposit Schemes and other services 6 Topics

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Types of Deposits

Demand Deposits

Insurance of Bank Deposits by DICGC

RBI Retail Direct Scheme

Account Opening, On-Boarding process, KYC mechanism and Operations 8 Topics

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0% Complete 0/8 Steps

Procedure for Opening an Account

Photographs of Depositors

Specimen Signature

Prevention of Money Laundering

RBI Guidelines in regard to Operations of Deposit Accounts

Closure of Accounts

Charter of Customer Rights

Accounting, Finance and Operations 4 Topics

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Basics of Accounting & Maintenance of books

Finance and Operations

What is Interest?

Equated Monthly Instalment (EMI)

Principles of Sound Lending 2 Topics

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Principles of Lending

Interest Spread and Profitability

Loans and Advances with special focus on retail lending 12 Topics

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Loans and Type of Loans

Education Loans

Loans for Consumer Durables

Consumption Loans

Micro, Small and Medium Enterprises (MSMEs) Loans

Loans to Micro and Small Enterprises under MUDRA Yojana

Kisan Credit Card Scheme

Asset Classification and Methods of Recovery 4 Topics

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Definition of Non-Performing Asset

Asset Classification as per Income Recognition, Asset Classification (IRAC)

Important Aspects of Recovery

Various Methods adopted for Recovery of Loans

Grievance Redressal Mechanism in banks and Banking Integrated Ombudsman Scheme 6 Topics

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Meaning of Grievance

Common Grievances of the Small Customers

Grievance Redressal and its Principles

Customer Complaint

Grievance Redressal Mechanism in banks

Integrated Ombudsman Scheme

Overview of the Financial Market 6 Topics

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Indian Financial Market

Financial System Regulators

Insurance Market

Module B – Financial Inclusion and Role of BCS

Financial Inclusion 14 Topics

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What is Financial Inclusion?

Need for Financial Inclusion

Business Correspondents/Business Facilitators Model

Need for BC/BF Model

Roles and Responsibilities of Business Correspondents/Business Facilitators

Who can be Business Facilitators?

Who can be Business Correspondents?

Business Facilitators: Scope of Activities

Business Correspondents: Scope of Activities

Business Correspondents Vs Business Facilitators

Micro Finance Institutions

Innovation in Credit Delivery System

Present Banking Scenario

Role of Technology in Financial Inclusion

Financial Education and Counselling 8 Topics

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0% Complete 0/8 Steps

Financial Education

Importance of Financial Education

Role of Communication in Financial Education and Financial Counselling

Effective Counselling

Role of Financial Counsellors in Financial Education

Cross-selling and Role of Financial Counsellor

Borrower Profiling

Debt Management Skills

Government Schemes for promoting Financial Inclusion 7 Topics

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Pradhan Mantri Jan Dhan Yojana (PMJDY)

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

Pradhan Mantri Surakasha Bima Yojana (PMSBY)

Atal Pension Yojana (APY)

National Pension System Lite (NPS Lite)/Swayalamban Yojana

RBI guidelines on Financial Inclusion

National Strategy for Financial Inclusion

Risk and Fraud Management 4 Topics

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Risk from the point of view of banks and measures for mitigation

Risks and Fraud from the perspective of BCs

Risk and Fraud Management

Do’s and Don’ts for Business Correspondents and Business Facilitators

13.1 ——————— 4 Topics

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Credit Counselling Centres

National Centre for Financial Education

Depositor Education and Awareness Fund

Other initiatives

Module C – Technical Skills

Basic Technical Skills 4 Topics

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Handling Micro-ATMs, Biometric and other devices

Connectivity issues

IT enabled Financial Inclusion using BC model

Technology for Low-cost Financial Inclusion

Digital Banking Products 11 Topics

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Need for Digital Banking

Various Types of Cards

Internet Banking

Automated Teller Machines (ATMs)

Point of Sale (POS) Terminals and Micro ATM

Aadhaar Seeding and e-KYC

UPI, BHIM and Bharat QR

Harmonisation of Turn-Around Time (TAT) for failed transactions

Recent Developments in Digital Banking 4 Topics

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Central Bank Digital Currency

Accounts and Payments Aggregators

Jan Samarth Portal

Open Network for Digital Commerce (ONDC)

Module D – Soft Skills And Behavioural Aspects

Basic Skill requirements for Business Correspondents 3 Topics

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Soft Skills and Hard Skills

Soft Skills to build relationships

Negotiation skills

Dealing with various types of customers and Strategies for Recovery of Bank Loan 8 Topics

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Dealing with different Types of Customers

How to maintain trust in Client Relationships?

How to deal with Complaints?

Do’s and Don’ts for handling Customers’ Complaints

Duties of a Bank

Handling difficult Customers

Strategies for recovery of Bank Loans

Leverage Farmers Clubs and SHGs for recovery of Bank Loans

Meet Your Instructor

TAT

2 Course

7 Student

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This course includes:

Learners 4 Students
Lessons 19
Topics 121
Quizzes 0

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