Description
Course Name: Certificate in Banking
Course Id: CIB/Q1001.
Eligibility: 10+2 Grade (higher Secondary) or Equivalent.
Duration: Three Month.
Objective: The Certificate in Banking course is designed to provide participants with foundational knowledge of the banking sector, its functions, products, regulations, and services. The course aims to equip learners with practical skills and understanding to pursue careers in the banking and financial services industry.
How to Enroll and Get Certified in Your Chosen Course:
Step 1: Choose the course you wish to get certified in.
Step 2: Click on the “Enroll Now” button.
Step 3: Proceed with the enrollment process.
Step 4: Enter your billing details and continue to course fee payment.
Step 5: You will be redirected to the payment gateway. Pay the course and exam fee using one of the following methods:
Debit/Credit Card, Wallet, Paytm, Net Banking, UPI, or Google Pay.
Step 6: After successful payment, you will receive your study material login ID and password via email within 48 hours of fee payment.
Step 7: Once you complete the course, take the online examination.
Step 8: Upon passing the examination, you will receive:
• A soft copy (scanned) of your certificate via email within 7 days of examination.
• A hard copy (original with official seal and signature) sent to your address within 45 day of declaration of result.
Step 9: After certification, you will be offered job opportunities aligned with your area of interest.
Online Examination Detail:
Duration- 60 minutes.
No. of Questions- 30. (Multiple Choice Questions).
Maximum Marks- 100, Passing Marks- 40%.
There is no negative marking in this module.
| Marking System: | ||||||
| S.No. | No. of Questions | Marks Each Question | Total Marks | |||
| 1 | 10 | 5 | 50 | |||
| 2 | 5 | 4 | 20 | |||
| 3 | 5 | 3 | 15 | |||
| 4 | 5 | 2 | 10 | |||
| 5 | 5 | 1 | 5 | |||
| 30 | 100 | |||||
| How Students will be Graded: | ||||||
| S.No. | Marks | Grade | ||||
| 1 | 91-100 | O (Outstanding) | ||||
| 2 | 81-90 | A+ (Excellent) | ||||
| 3 | 71-80 | A (Very Good) | ||||
| 4 | 61-70 | B (Good) | ||||
| 5 | 51-60 | C (Average) | ||||
| 6 | 40-50 | P (Pass) | ||||
| 7 | 0-40 | F (Fail) | ||||
Key Benefits of Certification- Earning a professional certification not only validates your skills but also enhances your employability. Here are the major benefits you gain:
Practical, Job-Ready Skills – Our certifications are designed to equip you with real-world, hands-on skills that match current industry demands — helping you become employment-ready from day one.
Lifetime Validity – Your certification is valid for a lifetime — no renewals or expirations. It serves as a permanent proof of your skills and training.
Lifetime Certificate Verification – Employers and institutions can verify your certification anytime through a secure and reliable verification system — adding credibility to your qualifications.
Industry-Aligned Certification –All certifications are developed in consultation with industry experts to ensure that what you learn is current, relevant, and aligned with market needs.
Preferred by Employers – Candidates from ISO-certified institutes are often prioritized by recruiters due to their exposure to standardized, high-quality training.
Free Job Assistance Based on Your Career Interests – Receive personalized job assistance and career guidance in your preferred domain, helping you land the right role faster.
Syllabus
Introduction to Banking: History and evolution of banking, Functions of banks, Types of banks (commercial, cooperative, investment, central banks), Role of banks in economic development, Banking regulations and governing bodies (RBI, Basel Norms), Principles of banking, Banking channels (branch banking, online banking, mobile banking), Structure of Indian banking system, international banking system overview, Emerging trends in banking.
Banking Products and Services: Types of bank accounts (savings, current, fixed deposit, recurring deposit), Loan products (personal loans, home loans, business loans, education loans), Credit cards and debit cards, Digital banking services (internet banking, mobile banking, UPI, wallets), Remittance services (NEFT, RTGS, IMPS, SWIFT), Retail banking vs. corporate banking, Priority banking and wealth management, Microfinance and financial inclusion, Insurance-linked banking products, Investment products (mutual funds, fixed income securities).
Banking Operations and Customer Service: Customer onboarding and KYC process, Account opening and closing procedures, Cash handling and teller operations, Banking software and core banking systems (CBS), ATM management and cash deposit machines, Fraud detection and prevention in banking, Customer grievance redressal mechanisms, Role of customer relationship management (CRM) in banking, Service quality in banking, Digital customer support channels.
Principles of Lending and Credit Management: Principles of sound lending, Credit risk assessment and management, Loan appraisal and documentation, Types of securities and collateral, Credit rating agencies and their role, Loan recovery process and NPAs, Debt restructuring and resolution mechanisms, Prudential norms for lending, corporate lending vs. retail lending, Case studies on lending decisions.
Banking Regulations and Compliance: Key banking laws and regulations (Banking Regulation Act, RBI Act), Anti-money laundering (AML) and Know Your Customer (KYC) norms, Banking Ombudsman scheme, Basel norms and capital adequacy, Financial Intelligence Unit (FIU) and compliance, Role of SEBI, IRDAI, and other financial regulators, Consumer protection in banking, Risk-based supervision in banking, Ethics in banking, Case studies on regulatory compliance.
Financial Markets and Instruments: Money market vs. capital market, Role of banks in financial markets, Government securities and treasury bills, Bonds and debentures, Stock market and banking sector, Derivatives and hedging instruments, Foreign exchange market and forex operations, Interbank lending and call money market, Role of credit rating agencies in financial markets, Mutual funds and investment banking services.
Job opportunities after completion of Certificate in Banking Course:
After successful completion of the Certificate in Banking program, graduates can explore various career opportunities in the banking and finance sector. This certificate provides the foundational knowledge of banking operations, financial products, customer service, and regulatory compliance, preparing graduates for various roles in the industry.
Career Options for Graduates
- Bank Teller
- Role: Bank tellers are responsible for handling customer transactions, including deposits, withdrawals, and account inquiries. They assist customers with basic banking services, provide account details, and ensure smooth transactions.
- Salary Range: ₹2,00,000 to ₹4,00,000 annually (entry-level); ₹4,00,000 to ₹6,00,000 annually (experienced).
- Industries: Public and private sector banks, cooperative banks.
- Customer Relationship Manager (CRM)
- Role: CRMs manage relationships with customers, providing them with personalized banking services, handling complaints, and resolving issues. They ensure customer satisfaction and encourage the usage of bank products.
- Salary Range: ₹3,00,000 to ₹6,00,000 annually (entry-level); ₹6,00,000 to ₹10,00,000 annually (experienced).
- Industries: Public and private sector banks, financial institutions.
- Loan Officer
- Role: Loan officers assess, approve, and manage loans for individuals and businesses. They analyze loan applications, evaluate creditworthiness, and guide customers through the loan process.
- Salary Range: ₹3,00,000 to ₹6,00,000 annually (entry-level); ₹6,00,000 to ₹10,00,000 annually (experienced).
- Industries: Commercial banks, financial institutions, mortgage companies.
- Bank Operations Executive
- Role: Bank operations executives manage the internal operations of a bank, ensuring compliance with regulatory requirements, smooth processing of transactions, and effective functioning of the back-office operations.
- Salary Range: ₹2,50,000 to ₹5,00,000 annually (entry-level); ₹5,00,000 to ₹8,00,000 annually (experienced).
- Industries: Commercial and private sector banks, financial services firms.
- Relationship Manager (Corporate Banking)
- Role: Relationship managers in corporate banking work with business clients to understand their financial needs, offer customized banking solutions, and develop long-term relationships with corporate customers.
- Salary Range: ₹4,00,000 to ₹7,00,000 annually (entry-level); ₹7,00,000 to ₹12,00,000 annually (experienced).
- Industries: Corporate banks, financial institutions, private banks.
- Investment Banking Associate
- Role: Investment banking associates assist in providing financial advisory services, conducting market research, preparing financial models, and assisting in mergers and acquisitions (M&A) and other corporate finance activities.
- Salary Range: ₹5,00,000 to ₹10,00,000 annually (entry-level); ₹10,00,000 to ₹20,00,000 annually (experienced).
- Industries: Investment banks, financial advisory firms, consulting firms.
- Credit Analyst
- Role: Credit analysts evaluate the creditworthiness of individuals and businesses by analyzing their financial health, including income, debt, and assets. They provide reports to assist loan officers and managers in decision-making.
- Salary Range: ₹3,00,000 to ₹6,00,000 annually (entry-level); ₹6,00,000 to ₹10,00,000 annually (experienced).
- Industries: Commercial banks, credit rating agencies, financial institutions.
- Banking Sales Officer
- Role: Banking sales officers focus on selling various bank products such as savings accounts, credit cards, loans, and insurance. They work on generating leads, acquiring new clients, and promoting the bank’s products and services.
- Salary Range: ₹2,50,000 to ₹5,00,000 annually (entry-level); ₹5,00,000 to ₹8,00,000 annually (experienced).
- Industries: Banks, insurance companies, financial institutions.
- Risk Analyst
- Role: Risk analysts assess the financial risks involved in lending, investments, and other banking activities. They help the bank mitigate potential risks by evaluating financial products and market trends.
- Salary Range: ₹4,00,000 to ₹7,00,000 annually (entry-level); ₹7,00,000 to ₹12,00,000 annually (experienced).
- Industries: Investment banks, commercial banks, insurance companies, consulting firms.
- Fraud Detection Analyst
- Role: Fraud detection analysts monitor banking transactions for signs of fraud. They use tools and techniques to identify suspicious activity and prevent financial crimes. They also help banks comply with regulatory standards for fraud prevention.
- Salary Range: ₹3,00,000 to ₹6,00,000 annually (entry-level); ₹6,00,000 to ₹10,00,000 annually (experienced).
- Industries: Banks, financial institutions, fraud prevention firms.
- Treasury Officer
- Role: Treasury officers manage the bank’s financial assets, liquidity, and investments. They ensure that the bank maintains an optimal level of liquidity while investing funds profitably and managing financial risks.
- Salary Range: ₹4,00,000 to ₹8,00,000 annually (entry-level); ₹8,00,000 to ₹15,00,000 annually (experienced).
- Industries: Commercial banks, corporate banks, financial institutions.
- Branch Manager
- Role: A branch manager is responsible for overseeing the operations of a bank branch. They supervise staff, handle customer service issues, ensure compliance with banking regulations, and manage branch financial performance.
- Salary Range: ₹5,00,000 to ₹10,00,000 annually (entry-level); ₹10,00,000 to ₹20,00,000 annually (experienced).
- Industries: Public and private sector banks.
Salary Overview by Experience
- Entry-Level (0-2 years experience): ₹2,00,000 to ₹5,00,000 annually
- Mid-Level (3-5 years experience): ₹5,00,000 to ₹8,00,000 annually
- Experienced (5+ years experience): ₹8,00,000 to ₹15,00,000 annually
Industries Hiring Graduates with a Certificate in Banking
- Commercial Banks (Private and Public Sector)
- Investment Banks
- Financial Institutions
- Insurance Companies
- Mortgage Lenders
- Microfinance Institutions
- Government Agencies (Regulatory Bodies like RBI, SEBI)
- Fintech and Payment Service Providers
- Corporate Firms with Banking Needs
Conclusion
The Certificate in Banking program opens up a wide range of career opportunities in the banking sector, from customer-facing roles to specialized positions like risk analysis and fraud detection. With the rapid growth of the banking and financial services industry in India, there is a strong demand for skilled professionals. Graduates can expect competitive salaries, and the opportunity for career advancement in a highly dynamic and growing sector.