• Requirements to be Called a Bank

• Banker-Customer Relationship

• Bank as a Trustee

• Bailee-Bailor Relationship

• Agent-Principal Relationship

• Lessor and Lessee

• Indemnifier and Indemnified

• Different Deposit Products or Services

• Services to Customers and Investors

• Money Laundering & Financing of Terrorism Risks

• AML Framework in India

• Know Your Customer Policy

• Organisational Set-up for AML

• Obligations under PMLA

• Risk Management

• Obligations under International Agreements

• FATF Identified Jurisdictions

• Correspondent Banks

• Reporting Under FATCA/ CRS

• Reporting Obligations

• Implications of Non-compliance of PMLA Obligations

• Secrecy Obligations

• Know Your Customers (KYC) Norms

• Wire Transfers

• Other Operations - Regulations

• Central KYC Records Registry (CKYCR)

• Monitoring of Transactions

• Personal Accounts

• Accounts of Other Customers

• Norms for Opening Current Accounts

• Obtaining Photographs of Account Holders

• Legal Entity Identifier

• Salient Features of Deposit Accounts

• Interest on Deposit Accounts

• Prohibitions & Exemptions

• Inoperative Accounts & Unclaimed Deposits

• Operational Instructions in Joint Accounts

• Nomination Facility

• Other Operational Guidelines

• Attachment Orders

• Procedure for Submission of Records to Statutory Authorities

• Cheque Truncation System (CTS)

• RBI Guidelines on Collection of Instruments

• Cash and its Custody

• Security Arrangements at Branches and ATMs

• Mandate – Definition

• Power of Attorney (POA) – Definition

• Banker’s Lien

• Right of Set-off

• Right of Appropriation

• Evolution of FEMA

• Definitions

• Bringing in and Taking out Foreign Exchange

• Inward Remittances

• Outward Remittances

• Indo - Nepal Remittance Scheme

• Permitted Accounts in India for NRIs and PIOs

• Accounts in India of Foreign Nationals Visiting India

• Special Non-Resident Rupee Account – SNRR Account

• Remittance of Assets Held by NRIs/ PIOs

• Acquisition and Transfer of Immovable Property in India by a Non-Resident Indian (NRI)

• Creation of Charge on Immovable Property in India

• Repatriation of Income and Sale Proceeds of Assets Held Abroad by NRIs

• Investments by NRIs/ PIOs

• Types of Accounts Permitted

• Foreign Currency Denominated Accounts in India

• Permitted Foreign Currency Accounts Outside India

• Remittance of Assets by Foreign Nationals not Being PIOs

• Modes of Acquiring Property Outside India by a Resident

• Foreign Contribution (Regulation) Act 2010

• Developments in CMS

• Importance of Cash Management System

• Types of Cash Management Services

• Challenges and Issues

• Negotiable Instruments Act

• Payment of a Cheque

• Payment in due course – Section 10

• Liability of the Paying Bank – Section 31

• Collection of Cheques – Duties of a Collecting Bank

• Endorsement of Cheques

• Crossing of Cheques

• Forged Instruments

• Bouncing (Dishonour) of Cheques

• Cheque Truncation System

• Negotiable Instruments Act and Paying Banks

• Liability of Paying Banker when Customer’s Signature on the Cheque is Forged

• Payment to be in Due Course for Bank to Seek Protection

• Payment in Good Faith without Negligence of an Instrument on which Alteration is not Apparent

• Payment by Bank Under Mistake Whether Recoverable, Cheque Truncation

• Statutory Protection to Collecting Bank

• Duties of the Collecting Bank

• Remittances: Introduction

• Demand Drafts (DD) and Banker’s Cheques (BC)

• Mail Transfer (MT)

• Telegraphic Transfer (TT)

• National Electronic Funds Transfer System (NEFT)

• Real Time Gross Settlement System (RTGS)

• Electronic Benefit Transfer (EBT) Scheme

• Mobile Banking in India

• Electronic/Digital Payments

• Safe Deposit Lockers

• Portfolio Management Services

• Merchant Banking

• Government Business

• Levying of Service Charges

• Financial Inclusion by Extension of Banking Services

• Use of Mobiles/Tablets in Financial Inclusion Drive

• Financial Literacy

• Rural Self-Employment Training Institutes (RSETI)

• Customer Service in Banks

• Policy for General Management of the Branches

• ATM Operations

• Security Issues and Risk Mitigation Measures

• Service at the Counters

• Information to the Customers

• Special Arrangements at Branches

• Other Provisions

• Duty of Secrecy & Confidentiality

• Duty of Reasonable Care

• Garnishee or Attachment Order

• Bank’s Rights

• Customer Awareness

• Banking Codes and Standards Board of India

• Obligations on the Customer

• Model Policy on Grievance Redressal

• Internal Machinery to Handle Customer Complaints/ Grievances

• The RBI - Integrated Ombudsman Scheme

• Purpose of The Act

• Preamble and Extent

• Act not Overriding on Any Other Law

• Salient New Aspects of CPA 2019

• Definitions

• Various Fora

• Consumer Protection Councils

• Central Consumer Protection Authority

• Consumer Disputes Redressal Commissions

• Jurisdictions of Commissions

• Complaints to District Commissions

• Complaints to State Commissions/ National Commission

• Appeals Against Orders of District/ State Commission

• Other Aspects

• Mediation Process

• Product Liability

• Unfair Contracts

• Data Protection

• Applicability, Definitions

• Right to Information

• Obligations of Public Authorities

• Designation of Public Information Officers

• Procedure for Obtaining Information

• Disposal of Request

• Appeal

• Orders in Appeal

• Central Information Commission

• State Information Commission

• Penalties,

• Act to Have Overriding Effect

• Principles of Lending

• Types of Borrowers

• Types of Credit Facilities

• Fund-Based Working Capital Facilities

• Term/ Demand Loans

• Non-Fund-Based Facilities

• Other Credit Facilities

• Credit Appraisal

• Credit Appraisal techniques

• Methods of Assessment of Loans

• Assessment of Working Capital

• Assessment of Term Loan

• Interest Rates on Loans

• Credit Management

• Credit Monitoring

• Common Operational Terms/Aspects in Loan Functions

• Operational Process of Handling Loans

• Accounting Aspects of Loan Products

• Basic Operating Instructions on Loan Products

• Operating Manual for Loans and Advances

• Sample Operating Instructions

• Operational Aspects of a Few Common Loan Products

• Guidelines on Recovery Agents Engaged by Banks

• Fair Practices Code for Lenders

• Effectiveness of Securities

• What are ‘Secured Loans’ and ‘Unsecured Loans’?

• Types of Securities

• Land and Buildings

• Goods

• Documents of Title to Goods

• Advances against Life Insurance Policies

• Advance Against Shares

• Advance Against Debentures

• Loan against Book Debts

• Loan against Term Deposits

• Loan against Gold Ornaments

• Supply Bills

• Vehicle Finance

• Meaning and Essentials of a Contract

• Contract of Agency

• Contract of Bailment

• Types of Charges

• Registration of Charges

• Different Types of Documents

• Documentation Procedure

• Definition, Income Recognition

• Computation of Gross Advances

• Gross NPA

• Net Advances

• and Net NPA

• Asset Classification

• Provisioning Norms

• Writing Off of NPAs

• NPA Management – Requirement of Effective Mechanism and Granular Data

• Framework for Resolution of Stressed Assets

• Prudential Norms Applicable to Restructuring

• Other Aspects

• Introduction to Recovery of Debts and Bankruptcy Act

• 1993 (DRB)

• Introduction to SARFAESI Act

• Introduction To The Insolvency and Bankruptcy Code

• Introduction To The Legal Services Authorities Act

• Introduction To The Law of Limitation

• Contract of Indemnity Defined

• Distinctive Features of Indemnity Contract and Guarantee

• Rights of an Indemnity Holder

• Implied Indemnity

• Enforceability of Contract of Indemnity

• Scope and Application of Indemnity Contracts to Banks

• Parties to the Contract

• Basic Principles of Contract to be Complied With: Consideration

• The Liability of the Surety

• Continuing Guarantee

• Revocation of a Continuing Guarantee

• Death of Surety

• Variance in Terms of the Contract

• Discharge of Principal Debtor

• Forbearance to Sue

• Surety can Claim His Dues from the Principal Debtor Security

• Implied Promise by the Principal Debtor to Indemnify the Surety

• Misrepresentation Made by the Creditor

• Co-sureties for the Same Debt

• Release of One Co-surety does not Discharge Other

• Bank Guarantees

• Various Types of Bank Guarantees

• Banker’s Duty to Honour Guarantee

• Issuance of Bank Guarantee – Precautions to be Taken

• Payment Under Bank Guarantee – Precautions to be Taken

• Letters of Credit – General Consideration

• Parties to a Letter of Credit

• Types of Letters of Credit

• Documents Under a Letter of Credit

• Uniform Customs and Practices for Documentary Credits – UCPDC 600

• Payment Under Letter of Credit – Primary Obligations of Banks

• Purpose of Deferred Payment Guarantee

• Method of Payment

• Class of Bills and Laws Governing Bills

• Classification of Bills

• Various Types of Bill Finance

• Bill Finance and Legal Position of a Banker

• Credit Card

• Home Loans

• Personal Loans

• Consumer Loans

• Applicability

• Targets/Sub-Targets for Priority Sector

• Categories of Priority Sector

• Non-Achievement of Priority Sector Targets

• Common Guidelines for Priority Sector Loans

• Other Modes of Lending to Priority Sectors

• Other Aspects Related to Priority Sector Lending

• Short-Term Loans

• Medium/Long-Term Loans

• Crop Loan

• Revised Scheme for Issue of Kisan Credit Card (KCC)

• Selected Activities Under Agricultural Financing

• Minimum Support Prices Scheme

• Prime Minister Fasal Bima Yojana (PMFBY)

• Background

• Bank Borrowings - Source of Finance for NBFCs

• Bank Finance to NBFCs

• Bank Loans to NBFCs for On-Lending

• Bank Loans to NBFCS-MFIs

• NBFC-MFI – Channelising Agent for Special Government Schemes

• Co-Lending by Banks and NBFCs to Priority Sector

• Framework for Scale-Based Regulation (SBR) for Non-Banking Financial Companies

• Aim of MSMEs

• Micro

• Small and Medium Enterprises Development (MSMED) Act

• Policy Package for MSMEs – Credit/Finance

• Measures for Promotion

• Development and Enhancement of Competitiveness of Micro

• Small and Medium Enterprises

• Delayed Payments

• Trade Receivables Discounting System (TReDS)

• Performance and Credit Rating Scheme

• Credit Guarantee Fund Scheme for Micro and Small Enterprises

• Cluster Based Approach in Financing MSMEs

• Common Guidelines / Instructions for Lending to MSME Sector

• Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM)

• Deendayal Antyodaya Yojana – National Urban Livelihoods Mission (DAY-NULM)

• Pradhan Mantri Jan Dhan Yojana (PMJDY)

• MUDRA Loans

• Khadi Village Industries Commission (KVIC)

• SHG – Definition

• Need for SHGs

• Forming SHGs

• SHGs Under DAY-NRLM/ DAY-NULM Schemes

• SHG-Bank Linkage Programme

• Bank Computerisation

• Networking Technologies in Banks

• Uninterrupted Power System (UPS)

• Core Banking

• Data Warehousing and Data Mining

• Functions Performed by CBS

• Flow of Transactions in CBS

• The Accounting of Transactions in CBS

• End of Day (EOD) And Begin of Day (BOD) Operations

• End of Day (EOD) Operations

• Password Control

• Parameter/Master File

• Logical Access Control

• Operational Aspects of Security Control in CBS

• Role and Responsibilities of the Bank Under CBS

• Alternate Delivery Channels

• Automated Teller Machines (ATMs)

• Electromagnetic Cards

• Electronic Banking

• Customer Protection–Limiting Liability of Customers in Unauthorised Electronic Banking Transactions

• Harmonization of Turn Around Time (TAT) and Customer Compensation for Failed Transactions Using Authorised Payment Systems

• Data Communication Networks

• Network Scenario in India: Major Networks

• Emerging Trends in Communication Networks for Banking

• Evolution of EFT Systems

• Structured Message Transfer System Using SWIFT

• Automated Clearing Systems

• Two-Level Funds Transfer System

• Emergence of Electronic Payment Systems in India

• Electronic Clearing Systems in India

• National Payment Corporation of India (NPCI)

• Digital Initiatives by the Government of India

• Trends in Technology Developments

• Role and Uses of Technology Upgradation

• Global Trends in Banking Systems

• Impact of Information Technology on Banks

• Some emerging technology trends in Banking

• Risk Concern Areas

• Different Types of Threats

• Control Mechanism

• Computer Audit

• Information System Audit (IS Audit)

• Information System Security (IS Security)

• Modus Operandi of Online Frauds and Cyber Security Awareness

• IT Resources Evaluation Requirements

• Disaster Recovery Management Objective

• Legal Framework for Electronic Transactions Information Technology Act

• G. Gopalakrishana Committee Report

• Cyber Security Framework in Banks

• Integrated Ombudsman Scheme

• 2021 by RBI

• Fraud vs Crime

• Phases of an Effective Incident Response Plan

• e-RUPI

• Fintech/Reg Tech/Sup Tech

• Social Media Banking

• Hashtag Banking

• Account Aggregators

• Open Banking.

• Values and Ethics

• Ethics and Business Values

• Business Ethics – Definition

• Principles and Practice

• An Ethical Crisis: Is Business Ethics an Oxymoron?

• Ethical Foundation of Banking: Finance Depends on Trust

• Ethical Foundation of Being a Professional

• Banking Ethics in Global Context: Enron and Its Lesson

• Global Financial Crisis

• Ethics in Indian Context: Satyam and Its Lessons

• An Indian Bank Case Study

• Values

• Norms

• Beliefs and Their Role

• Core Values: The Value of a Value

• Morality and Personal Values

• Value – Conflicts: How Should I Live?

• Personal Ethics and Business Ethics: Individual Integrity and Responsibility

• The Golden Rule

• Understanding Right and Wrong: Doing the Right Thing

• Ethical Reasoning and Real-World Application

• Ethical Dilemmas: Resolving Ethical Dilemmas

• A Framework of Ethical Decision-Making

• Abuse of Official Position: Insider Trading

• Proprietary Data

• Bribes etc.,

• Obligations to Third Parties

• Job Discrimination

• Sexual Harassment

• Managing Conflict of Interests

• Fair Accounting Practices: Related Party Transactions

• HRM Ethics

• Principles of Representation and Work Environment

• Employees as Ethics Ambassadors & Managers as Ethical Leaders

• What Is Work Ethics? Something Bigger Than the Self

• Ethical Behaviour at The Workplace: Benefits

• Recognising Ethical Workplaces

• Unethical Behaviours: Causes and Remedies

• Conducting Personal Business During Office Time

• Taking Credit for Others’ Work

• Ethical Lapses and Organisational Culture

• Ethics of a Banker

• Whistleblowing in Banks

• Whistleblowing Law in India

• Ethics and Technology

• Data Security and Privacy

• Intellectual Property Rights

• Patents and Proprietary Rights

• Ethics of Information Security

 Exam Date 

(May Cycle)

 Exam Date

(November Cycle)