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Course Outline - Smart Banker Program
Recommended
Chapter Topics
Study Time (Hrs)
The world of banking
Instruments, markets, players 1
& finance
Money, Concept of Interest, Simple interest, Compound interest,
Money & Interest 1
Inflation
Concept of Accounting, Concept of Business and its
Classification, Understanding the Accounting Process, What is
Accounting Debit & Credit from a Bank’s POV; a bank’s GL 3
Profit & Loss Statement, Balance Sheet, Cash Flow, Live
Examples
The Banking The Structure of a Bank, specialized divisions and support
1.5
Business functions
Customer Identification, Customer Acceptance, Transaction
KYC & AML Monitoring, Risk Management, Types of KYC & Documents in 2.5
practice
Technology in An Overview of Technology in Banking, Core Banking Solutions
1.5
Banking (CBS)
Retail Banking - Liability Products - Introduction to Savings Account, Current
1.5
Liabilities Account, Term Deposits, NRI Banking, Deposit Operations
Structure & functions of the retail banking unit, Asset products
Retail Banking -
basis security and interest rates, Retail bank services and asset 1.5
Assets
operations
Types of Accounts -
Single Account, Joint Account, Minor and Incapacitated Account 1.5
Individual Accounts
Types of Accounts -
Introduction to HUF, Proprietorship & Partnership, Limited
Non-Individual 1.5
Company, Trust, Clubs and Societies
Accounts
Types of Accounts -
Introduction to different types of account status 1
Account Status
Introduction to types of Savings Account - Minor Account, Senior
Citizen Account, Women's Account, Salary Account, No Frills
Savings Account Account, Student's Account, Account for Non-Individual entities, 4
Understanding to Account opening form, Account portability and
Account opening process
Entities eligible to open current account, processing cost and
MAB requirements, KYC documentation for current account,
Current Account 3.5
Introduction to current account product variants, Account
opening form and process
Introduction to Fixed Deposit and its' variant like 5 Year Tax
Savings FD, Sweep In Sweep Out FD, Recurring Deposit. FD and
Fixed Deposit 4
RD opening process, FD account opening form, Lien marking,
Overdraft facility and Account status
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Opening an FD Finacle Process and Simulation for Opening an FD
Printing of FD receipt Finacle Process and Simulation for Printing of FD receipt
Extension of FD Finacle Process and Simulation for Extension of FD 16.5
FD Premature
Finacle Process and Simulation for FD Premature closure
closure
Opening an RD & Finacle Process and Simulation for Opening an RD and Setting
setting up an SI up of Standing Instruction
NR Accounts Introduction to NRI, NRO, NRE, FCNR and RFC. 4
This ends the first part, which is an overview of concepts and retail Banking. We now move on, to
customer servicing and third party products.
Banking Laws - Negotiable Instruments Act, Banking Regulation
Banking Laws 1
Act
Introduction to Cash Department, Security features of Indian
Cash 2.5
currency notes, Functions of the teller, Detecting fake currency
Cash opening and Finacle Process and Simulation for Cash opening and closing
closing process process
Cash Deposit Finacle Process and Simulation for Cash Receipt 4.5
Cash Withdrawal Finacle Process and Simulation for Cash Deposit
Opening of FD by Finacle Process and Simulation for Cash Deposit for new FD
Cash account
Clearing &
Settlement - Introduction to clearing, Elements of the cheque 1.5
Introduction
Clearing - Inward & Introduction to cheque payment mechanism, Inward Clearing,
2
Outward Clearing Outward Clearing
Clearing Part –
National Automated
Introduction to NACH, Concept of NACH Debit & Credit 2
Clearing House
(NACH)
NEFT & RTGS Introduction to concept and settlement process of NEFT & RTGS 1.5
NEFT & RTGS Finacle Process and Simulation for Cheque transfer process - On
Payment us cheque
NEFT transaction - Finacle Process and Simulation for NEFT transaction - Retail 1.5
Retail Customer Customer
RTGS transaction - Finacle Process and Simulation for RTGS transaction - Corporate
Corporate customer customer
Introduction to Insurance, Products - Life Insurance, General
Insurance 3
Insurance and Bancassurance
Mutual Funds Introduction to Mutual Funds and Various type of Mutual Funds 2
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Gold Purchase process, Payment and Distribution 0.5
Understanding of customer requirement and suggesting the
Sales Simulation 0.5
products
Processing and handling customer's requests - E -statement
Account Servicing registration, New cheque book request Internet Banking, Mobile 4.5
Banking Request, Stop Payment request, Demand Draft etc.
Finacle Process and Simulation for Change of Address in
CIF Modification
customer's account, Change of Email address, Change of Mobile
Process
number
Updation of PAN Finacle Process and Simulation for Pan card Updation in the
Card account
Finacle Process and Simulation for Addition of nominee in the
Addition of nominee
customer account
Change of account Finacle Process and Simulation for Change of account status
status from Inactive to Active
Change of dispatch
Finacle Process and Simulation for Change of dispatch mode and 12
mode of account
registration of E -statement
statement
Issuance of Demand
Finacle Process and Simulation for Issuance of Demand Draft
Draft
Cancellation of
Finacle Process and Simulation for Cancellation of Demand Draft
Demand Draft
Issuance of Cheque
Finacle Process and Simulation for Issuance of Cheque Book
Book
Stop Payment of
Finacle Process and Simulation for Stop Payment of Cheque
Cheque
Issuance of Account Finacle Process and Simulation for Issuance of Account
Statement Statement
Meeting Etiquettes Telephone and meeting etiquettes. Grooming for a bank officer 1
Retail Trade -
Introduction to Retail Trade, Process and Documentation 1
Introduction
Type of trade transactions - Advance Payment, Letter of Credit
Trade Products etc., Introduction to International trade financing, Financing for 1.5
Exporter and Importer
Introduction to Branch Forex, Guidelines and documentation,
Branch Forex 1.5
Transacting in Forex
Introduction to Retail Asset, Types of Borrowers and Key Terms,
Retail Asset Different types of asset products - Home loan , Auto loan and 4
Gold loan etc.
This ends the Second part, covering all products and processes in a Retail Bank.
Total Recommended Study Time 97.5
All programs are blended with Practice Tests, Online faculty discussion sessions and E.mail Query Support.
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