Session 1

Highlights

• The session highlights on the aspect of financial inclusion and exclusion
• The session also introduces the reader to the concept of Business Correspondent (BC) and Business Facilitator (BF)
• The session highlights the significance and duties of BC and BF and also knowledge required by them to operate in the field
• The session also highlights on the practical aspects of financial exclusion and inclusion by reflecting on the state of Rajasthan

Benefits

• The session benefits in terms of developing BC and BF as an extended arm of the bank
• Likewise, the session also benefits in terms of helping BCs and BFs act like potential counsellors for addressing the banking requirements of the rural community
• The session also contributes in making the BCs and BFs operate like tellers to the account holders

Session 2

Highlights

• The session highlights the background and history of banking industry in India
• The session also highlights the different types of scheduled banks in India
• The session further highlights the features and functions of the banking system
• The session also highlights the relationship between the banker and the customer
• The session also highlights the significance of the aspect of secrecy and confidentiality regards to the banks

Benefits

• The session benefits the reader in terms of discussing the operations and functions of the banks
• The session also benefits the reader in terms of helping one understand the relationship between the banker and the customer
• The session also benefits the reader in terms of providing information about bank’s obligation for maintaining of secrecy and the precautions undertaken by the bank while disclosing information.

Session 3

Highlights

• The session highlight on the manner of identifying effective customers
• The session also highlights on the different types of deposit accounts and focuses on identifying the different types of deposit account holders
• The session also highlights the formalities needed to be undertaken to be deposited by the deposit account holders for opening a savings account
• The session also highlights on the process of closing a savings account
• The session further highlights on the aspects of electronic banking, significance and security tips associated with it

Benefits

• The session benefits the reader based on providing information about deposit accounts and also in terms of helping in identifying the various deposit account holders
• The session also benefits the reader in terms of providing information about opening a savings bank account and also the formalities required to be fulfilled by the deposit account holders for opening a savings bank account.
• The session also benefits the audience in terms of helping them know the process of closing a savings bank account
• The session further benefits the reader in terms of providing them salient information about electronic banking, significance of e-banking, using of ATMs and Debit Cards.

Session 4

Highlights

• The session focuses on highlighting the customer needs and also discusses the manner of gaining information regarding the needs of customers.
• The session further also discusses the manner in which a savings account is ought to be used and also aims in developing interest of maintaining the savings account

Benefits

• The session benefits the reader by providing information about the diversified needs of customers and the manner of earning needed information from the greater market
• The session also benefits the reader by providing a discussion about the manner of using the savings account and also contributes in providing information about the manner of using the savings account.

Session 5

Highlights

• The session highlights the operations associated with a savings account and also the work of the BCs and BFs with the same
• The session also provides effective information about different types of loans
• The session also provides discussion about the advantages of savings account and also regarding cheque books

Benefits

• The session benefits by rendering information regarding operation of savings bank accounts and advantages associated with it
• The session also benefits the reader by discussing the way BCs and BFs deal with the savings bank accounts
• The session also benefits the reader by providing information regarding different types of loans

Session 6

Highlights

• The session provides needed information about agricultural finance
• The session also carries out a thorough discussion regarding Kisan Credit Cards and Kisan Gold Cards
• The session also provides a discussion regarding repayment terms and Equated Monthly Instalments or EMI Facility provided by banks.

Benefits

• The session benefits the reader by generating an effective and in-depth understanding of Kisan Credit and Gold Cards
• The session further benefits the reader based on generating an understanding of the repayment terms provided by the banks and the EMI facilities provided thereof.
• The session benefits based on generation of avid examples and tabular illustrations for discussing the repayment terms and calculation for EMIs.

Session 1

Highlights

• The session highlights various details about cheques
• The session also highlights potential information associated with clearance of cheques
• The session also provides salient information concerning NEFT

Benefits

• The session benefits in terms of providing information concerning the features, validity and also the types of cheques
• The session further contributes in rendering detailed information concerning clearance of cheques
• The session further helps in terms of reflecting the various transactions that are conducted under the purview of NEFT.

Session 2

Highlights

• The session highlights the concept of deposit scheme and credit guarantee insurance scheme
• The session also highlights objectives and functions of banks along with interest rate concepts
• The session also renders a detailed discussion on financial securities and security procedures
• The session also mentions the precautions that are needed to be taken for agricultural produces

Benefits

• The session benefits the reader by providing in-depth information about deposit and insurance schemes
• The session also benefits the reader by providing quality information about financial securities and also the precautions that are needed to be taken for agricultural produces.

Session 3

Highlights

• The session provides detailed discussion on the concept of deposit schemes
• The session also highlights the different types of term deposits and also gives information concerning current account and savings account.
• The session further provides information on renewal of deposited amount and profitability concerning deposits.
• Further, the session also reflects on point-of-sale (POS) concepts and also provides information concerning POS devices.

Benefits

• The session benefits the reader in terms of distinguishing between current and savings account
• The session further benefits in providing information concerning profitability related to deposits.
• The session also benefits the reader based on providing discussion on POS Concepts and devices.

Session 4

Highlights

• The session highlights on the concept and operation of Mutual Funds
• The session also highlights on aspects regarding earnings, advantages and disadvantages of mutual funds
• The session further highlights on the different types of mutual fund schemes and discusses the process and the documents required regarding investing in mutual fund schemes
• The session also discusses the rights of an individual holding a mutual fund and the process of reading a mutual fund table

Benefits

• The session benefits in terms of generating in-depth discussion regarding concepts, mode of operation, advantages and disadvantages concerning mutual fund
• The session also benefits in terms of providing information on the different types of mutual fund schemes and also regarding the process and mode of investing in mutual funds
• The session also benefits the reader in terms of discussing on the rights earned by a mutual fund holder and the manner of reading a mutual fund table effectively.

Session 5

Highlights

• The session highlights the concept of insurance and also regarding contract
• The session also provides discussion on other aspects like risk, peril and hazard and also loss
• The session further highlights on the concepts on the machinery and the principles of the insurance system
• The session also deals with the types of losses that are covered by the insurance schemes and also on the different types of insurance schemes

Benefits

• The session benefits in terms of providing an in-depth discussion on the concept of insurance along with discerning between aspects concerning risk, peril, hazard and loss.
• The session further benefits in terms of discussing on the insurance machinery and principles in action
• The session also benefits in terms of identifying the different types of insurance and also in reflecting on the accounting techniques associated to insurance.

Session 1

Highlights

• The session highlights on the concept and aims of financial literacy.
• The session also highlights on generating considerable amount of financial awareness and in designing of financial camps
• The session also highlights on managing finance and in carrying out of financial planning
• The session also highlights on aspects concerning savings and borrowings from bank

Benefits

• The session benefits in terms of helping in pointing on the significance behind carrying out of financial literacy and awareness and the mode of generating such.
• The session further benefits in terms of providing guidance regarding carrying out of financial planning and in maintaining of a financial diary.
• The session also contributes in providing information concerning aspects like borrowing and savings carried out by customers in and through banks.

Session 2

Highlights

• The session highlights the use of information and communication technology for carrying out financial transactions in banks
• The session also highlights on the advantages of using information and communication technology for carrying out transactions in banks
• The session also highlights on the different types of Information and Communication Technology (ICT) devices used by the banks and in general discusses about its maintenance also.

Benefits

• The session benefits from an enhanced understanding of the Information and Communication Technology devices used by banks including its features and advantages
• The session also benefits in terms of discussing the manner in which the ICT devices need to be maintained

Session 3

Highlights

• The session highlights on the features, categories and functions of Smart Card
• The session also discusses the process based on which smart card banking is carried out
• The session also highlights on the advantages of smart card based banking

Benefits

• The session contributes in terms of reflecting on the advantages and also the process of use of smart cards
• The session also contributes in terms of highlighting on the categorical types and functions of smart cards

Session 4

Highlights

• The session highlights on the concept of deposit schemes
• The session also points out the types of deposits and demand deposits
• The session highlights the differences between term and recurring deposits
• The session highlights and introduces the savings and current account forms to the readers.

Benefits

• The session benefits in terms of effectively distinguishing between term and recurring deposits
• The session also benefits the audience based on introduction of savings and current account forms so that the usage of the same can be understood and applied on a day-to-day basis
• The session also benefits based on further elucidating on the concept of deposit schemes and need for making savings

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Session 1

Highlights

• The session highlights on the different types of loan products rendered by banks
• The session also highlights on the aspect of agricultural loan and the need for such loan
• The session also highlights on the factors that influence the demand of agricultural credit
• The session also highlights on the different sources from which agricultural credit can be obtained
• The session also highlights on the different types of loans like short, medium and long term loans and other types of loans
• The session also highlights on the application form for Kisan Credit Card and the information required to be furnished on it.

Benefits

• The session benefits in discussing on the requirements for applying for an agricultural loan
• The session further benefits in terms of discussing on the factors that prompts the need of agricultural credit and also in indicating on the sources from which such credit is obtained.
• The session also benefits based on providing of information on the different types of term loans

Session 2

Highlights

• The session highlights the different types of checklists that are required to be maintained by banks
• The session also highlights on the different documents that are required to be verified for individuals, partnership firms and companies for providing of loans
• The session further highlights on connecting the checklists and documents such that it helps in validating the documents based on the checklists

Benefits

• The session benefits in terms of helping the readers understand the link between the checklists provided by the banks and the documents required for getting of loans
• The session also benefits in terms of reflecting the documents that are needed to be provided by the different stakeholders.

Session 1

Highlights

• The session provides knowledge about Know Your Customer (KYC) process carried out by banks
• The session also highlights the purposes and objectives behind the meeting of the KYC guidelines by the banks
• The session also highlights the customer identification procedure carried out by the banks, KYC compliance and document checklist needed thereof.
• The session further highlights the risk management and monitoring procedure carried out by the banks

Benefits

• The session benefits in terms of carrying out a detailed discussion on KYC Compliances of banks and documents needed for meeting such.
• The session also benefits in terms of rendering needed clarity about the purposes and objectives behind the carrying out of KYC documentation and customer identification processes.

Session 2

Highlights

• The session highlights the different types of loan repayment plans
• The session also highlights the factors to be considered for timely repaying loan
• The session also highlights the concept of interest and the factors needed for determining the interest on the loan
• The session also highlights the concept of discounted cash flows and verification process of different documents
• The session also highlights on other legal issues associated with application and power of attorney.

Benefits

• The session benefits in terms of providing information about the repayment procedure concerning loans
• The session also benefits the reader by providing information about different modes concerning the calculation of interest and concept of discounted cash flows
• The session also contributes in providing information about legal concepts and aspects

Session 3

Highlights

• The session highlights different methods for making customer assessment and also reflects on the need for making customer assessments for getting a loan
• The session also highlights on both customer life cycle and wealth cycle assessment aspects
• The session finally highlights the loan products rendered by banks

Benefits

• The session benefits in terms of differentiating between customer life cycle and wealth cycle assessments
• The session contributes in generating information about the different customer assessment methods and the type of loan products offered in by the banks

Session 1

Highlights

• The session highlights the regular types of banking transactions and other transactions associated to loans and advances
• The session also highlights the different types of customer queries and the mode of termination of the bank account
• The session also highlights on different facets of online banking.

Benefits

• The session benefits based on providing salient information regarding different types of banking transactions
• The session benefits from generating information concerning the mode in which a bank account is terminated
• The session also provides quality information about different types of online banking facilities.

Session 2

Highlights

• The session highlights the manner of operating a savings account
• The session also provides information on other aspects like crossing and endorsement of cheques
• The session also highlights on the fashion of maintaining pass book

Benefits

• The session benefits by providing information regarding dealing with cheques like carrying out crossing and endorsement operations.
• The session also benefits the reader by providing information regarding operation of the savings account and also the maintenance of the pass book.

Session 3

Highlights

• The session highlights on the different procedures of carrying out withdrawal
• The session also highlights the role of the banker while carrying out a cash transaction
• The session also highlights on the aspect of loan interest and the manner of monitoring of loan interest

Benefits

• The session benefits by providing information on the manner of carrying out cash withdrawal and the role of the banker associated to cash transactions
• The session also benefits by providing needed information about interest charged on loans and the manner in which the same is monitored.

Session 4

Highlights

• The session highlights on the different types of loans and also reflects on its repayment terms
• The session also highlights on aspects like hypothecation and mortgaging of moveable and non-moveable assets respectively
• The session also highlights the closing procedure for loan accounts.

Benefits

• The session benefits from providing information about the hypothecation and mortgaging processes
• The session further benefits in terms of providing information about the process of closing loan accounts
• The session also contributes in providing effective information about different types of loans and its repayment terms

Session 1

Highlights

• The session highlights on the different types of loans and the target market for such
• The session highlights on various aspects concerning overdraft and credit card dues

Benefits

• The session benefits on providing information concerning different types of loans and also in terms of identifying the target market for such.
• The session also benefits in terms of providing in-depth information associated to overdraft and credit card dues.

Session 1

Highlights

• The session classifies the different types of assets and also highlights on the concept of Non-Performing Assets
• The session also highlights on the different types of provisioning norms and the banks provisioning norms for doubtful assets
• The session also highlights on the management of Non-Performing Assets or NPA

Benefits

• The session benefits in terms of providing information on different types of assets and provisioning norms of banks regarding doubtful assets
• The session also benefits in terms of providing information concerning the management of NPA

Session 2

Highlights

• The session on the concept, objective and also the powers of banking ombudsman
• The session also highlights on the procedure of filing of customer complaints and also the settlement of such
• The session further highlights on the aspect of rejection of customer complaints and the manner of generating feedbacks on the part of the customers.

Benefits

• The session benefits the readers by providing them handy information regarding filing of customer complaints and also in generating of needed feedbacks
• The session also benefits in terms of providing quality information to the customers about banking ombudsman and the facilities they can avail thereof.

Session 1

Highlights

• The session highlights the roles of the BCs and BFs and the ethical aspects required to be followed by them
• The session also highlights on the knowledge and skills required to be possessed by BC and BF

Benefits

• The session benefits in terms of providing information about the roles required to be fulfilled by BC and BF and the ethical aspects needed to be followed by them
• The session also benefits in terms of highlighting on the knowledge and skills required to be had by a BC and BF for meeting the task roles and objectives.

Session 2

Highlights

• The session highlights on a datable issue as to the reasons why the poor do not borrow from the banks and also the factors as to why the banks also do not intend to lend to the poor
• The session also highlights on the aspect of Self Help Groups (SHGs) reflecting on the features, need and principles of the SHGs
• The session also highlights on the different models of NGOs where the NGO acts as a facilitator
• The session highlights the relation of the SHGs with the banks and the roles played by BCs and BFs in it.

Benefits

• The session benefits in terms of putting forward the different issues that are faced by poor people regards to their endeavour in earning financial support from banks
• The session further benefits in terms of generating greater clarity and understanding of the action of the SHGs for helping in meeting the financial needs of the poor
• The session also benefits based on incorporating effective models and illustrations for showing the areas where the NGOs can act as effective facilitators helping in meeting the banking needs of the poor

Session 1

Highlights

• The session highlights different types of documents like agreements and demand promissory notes
• The session also highlights on aspects like stamping of documents and the procedure carried out for documentation
• The session further highlights on the SARFAESI Act of 2002 and securities and modes of charging

Benefits

• The session benefits in terms of providing information about the SARFAESI Act of 2002
• The session also benefits based on providing information about activities associated to stamping and documentation
• The session also benefits in providing effective information about agreements and promissory notes

Session 1

Highlights

• The session focuses on listing of open questions that has been prepared to cover up back to back all the sessions under this course.
• A Model answer for a model question has been prepared to assist the students in understanding the manner in which the answers are required to be prepared for the open questions.
• The model answer for the model question is prepared in a manner to reflect on the student’s understanding of the applicability of the concept discussed.

Benefits

• Since the list of questions is prepared to cover the entire course modules, the answers to the questions provided by the students’ shows their ability of understanding the concepts discussed and their applications in an effective manner
• The model answers acting as benchmarks enable the students to evaluate his/her own performance and clarity of understanding.
• The model answer enables the student to reduce the knowledge gap involved and thereby enhances the level of understanding.