• Characteristics of Retail Banking

• Advantages of Retail Banking

• Constraints in Retail Banking

• Evolution of Retail Banking

• Prerequisite for Success of Retail Banking

• Challenges for Retail Banking

• Future of Retail Banking

• Business Models

• Applicability of Retail Banking Concepts

• Distinction between Retail and Corporate/ Wholesale Banking

• Banking System

• An Introduction

• Banking in India

• What is Profitability?

• What is Profit? Gross Profit,

• Operating Profit and Net Profit

• Profit and Profitability in the context of Banking

• Traditional Measures of Profitability

• The ROA (Return on Assets)

• Return on Equity (ROE) for Banks

• Branch Operating Efficiency

• Strategies for Improving Efficiencies of Banking Operations

• Factors Affecting Profitability of Banks in India

• Profitability Analysis of Bank Branches

• Steps to Improve Branch Profitability

• Essential Factors to Make Continuous Improvement in Profitability

• Maslow’s Theory and Customer Requirements

• Customer Requirements about Service Quality

• Product Development Process

• Product Life Cycle

• Product Lines of a Banker

• Deposit Products or Liability Products

• Credit Products or Asset Products

• Other Products and Services

• Other Fee-Based Services – Distribution of third-party products

• New Product Development

• Stages in New Product Development

• Constraints in New Product Development

• Product Management

• Product Policy

• What is a Credit Score?

• Evolution of Credit Scoring

• What is a Good Credit Score?

• Credit Scoring Model

• Managing the Credit Score

• Positive Side of Credit Score

• Warning Signs in Credit Score

• Credit Information Companies in India

• Issues in Credit Scoring

• Mistakes in Credit Scoring

• Troubleshooting Credit Score

 1. Demand Deposits

• An Introduction to Demand Deposits

 2. Current Deposit Account

• An Introduction to Current Deposit

• Main Features of Current Deposit Account

• Advantages of Current Deposit Account

• Documents Required for Opening Various Types of Current Accounts

• Opening of Current Account

• Operational Instructions in Current Account

• Transfer of Accounts

• Inoperative Accounts

• Closure of Current Account

 3. Savings Bank Account

• An Introduction to Savings Bank Account

• Advantages and Importance of Savings Bank Deposits to Customers

• Who Can Open a Savings Bank Account?

• Deregulation of Interest in Savings Deposit Account

• Maintenance of Balance in Savings Bank Account and Interest Payment

• Restrictions on Transactions in SB Account

• Services Offered in Savings Bank Accounts

 4. Time Deposit

• An Introduction to Time Deposit

• Periodicity of Time Deposit

• Operational Instructions

• Interest on Fixed Deposit

• Term Deposit Accounts of Minors

• Premature Payment of FD

• Operational Issues of FD

• Advances Against Bank’s Own Time Deposit Receipts

• Renewal of FD

• Recent RBI Rules on Overdue FD

• Form 15G/15H

• Deposit of TDS to Income Tax Department by Banks

  5. 2-in-1 Account

• 2-in-1 Account

  6. Recurring Deposit (RD)

• Recurring Deposit (RD)

• Home Loans

• Housing Loan under Prime Minister’s Awas Yojana (PMAY)

• Home Improvement Loans

• Home Decor Loans

• Auto/Vehicle Loans

• Personal Loans

• Educational Loans

• Other Retail Loans

• Processing of Retail Loans

• Credit Cards

• Charge Cards

• Pre-paid Cards

• Debit Cards

• Co-branded Cards

• Contactless Cards

• Electronic Payment Systems

• National Electronic Funds Transfer (NEFT)

• Real Time Gross Settlement (RTGS)

• Electronic Clearing Services (ECS)

• National Automated Clearing House (NACH) System

• Aadhaar Enabled Payment System (AePS)

• Bharat Bill Payment System (BBPS)

• Benchmarking India’s Payment System

• Technology in Retail Banking

• Technology Processes in Retail Banking

• Some Important User-Friendly Features

• Customer Analytics

• Institute for Development and Research on Banking Technologies (IDRBT)

• Indian Financial Network (INFINET)

• Structured Financial Messaging System (SFMS)

• National Financial Switch (NFS)

• Indian Banking Community Cloud (IBCC)

• Wealth Management Solutions

• Digital Lending

 Banking Technology

• Dimensions of Banking Technology

• Banking Today

• Relationship Between Banking and Technology

• Evolution of Banking Technology

• A New Era in Banking

• Evolution of Banking Technology in India

• Challenges in the Adoption of Technology by Indian Banks

 Technology in Retail Banking

• Technology in Retail Banking

• Benefits of Technology in Retail Banking

 Artificial Intelligence (AI) in Banking

• Artificial Intelligence (AI)

• Difference Between Artificial Intelligence (AI) and Automation

• Evolution of Artificial Intelligence

• Artificial Intelligence Industry in India

• Artificial Intelligence in the Indian Banking Industry

• Indian Banks and Technology

• Why Is AI Important in the Banking Industry?

• Benefits of Artificial Intelligence in Banking and Finance

 AI in Retail Banking

• Artificial Intelligence in Retail Banking

• Artificial Intelligence in Retail Banking in India

• Challenges Facing AI Development in India

• Benefits of AI in Retail Banking

• Repayment in Retail Loans

• Default and Re-scheduling in Retail Loans

• Monitoring of Loan Accounts

• Classification of Irregular Loan Accounts

• Recovery Policy of Banks

• Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act)

• Debt Recovery Tribunal (DRT)

• Recovery through Lok Adalat

• Engaging Direct Recovery Agents

• Main Elements of MIS

• Role of Management Information Systems

• Role of MIS in Improving Decision-Making

• Role of MIS in the Banking Industry

• Designing MIS for a Bank

• Issues Related to Management Information Systems

• Suggestions for Solving MIS-Related Issues

• Securitization of Assets

• Marketing in Retail Banking

• Marketing Mix in Retail Banking

• Channel Experience

• Physical/Direct Channels – Branch

• Automated Teller Machines (ATMs)

• Point of Sale (POS) Terminal

• Mobile Banking

• Internet Banking

• Customer’s Liability on Unauthorized Electronic Transactions

• Delivery Models

• Internal Customers – Staff at the Branch Level

• Dedicated Marketing Managers

• Direct Selling Agents (DSAs)

• Tie-up with Institutions/OEMs/Dealers, etc.

• Customer Relationship Management in Retail Banking

• Why CRM?

• Implementation Aspects of CRM in Banks

• Implementation Process of CRM in Banks

• Implementation Stages in CRM

• Benefits of CRM

• Impact of CRM on Customer Satisfaction

• Members of BCSBI

• Main Aims and Objects

• Code of Banks’ Commitment

• Code of Banks’ Commitment to Micro and Small Enterprises

• Function of BCSBI

• Code Compliance Rating

• Customer Grievances Handling Mechanism

• General Information

• Functions of MKIS

• Components of MKIS

• The MKIS Model

• Observations

• Usage of Computers in MKIS

• Supports for Marketing Management

• Supports for Marketing Mix Decisions

• Use of Decision Models

• Performance of MKIS

• Recommendations

• Advantages of MKIS

• Wealth Management – Broad View

• Wealth Management Business Structures

• Wealth Management Process

• Wealth Management Products and Services

• Alternative Assets

• Bonds

• Insurance

• Mutual Funds

• Real Estate Services

• Retirement Planning

• Strategic Business Strategy

• Will Writing

• Private Wealth Management

• Personal Financial Planning

• Wealth Management Assessment

• Private Banking

• Benefits of Wealth Management

• Importance of Wealth Management

• Elements of Investment

• Basics of Investment Management

• Steps in Investment Management

• Investment Banking

• Services Offered by Full-Service Investment Banks

• Investment Bank Organizational Structure

• Investment Management vs Investment Banking

• Portfolio Management

• Objectives of Portfolio Management

• Key Elements of Portfolio Management

• Portfolio Management vs Investment Banking

• Role of Portfolio Manager

• Portfolio Management Services (PMS) vs Mutual Funds (MFs)

• Types of Portfolio Management Services

• Steps of the Portfolio Management Process

• Advantages of Portfolio Management Services

• Disadvantages of Portfolio Management Services

• Recent Developments in Portfolio Management Services in India

• Classification of Tax Structure in India

• Financial Year

• Assessment Year

• Previous Year

• Concept of Previous Year & Financial Year vis-à-vis Assessment Year

• Residential Status for Income Tax

• Important Terms in Income Tax

• Heads of Income for Computation of Total Income

• Income Tax Slab Rates

• Conditions for Opting for the New Tax Regime

• Old Tax Regime vs New Tax Regime

• Income Tax Slabs for Non-Individual Entities

• Investment Products for Tax Savings

• Estate Planning – Tax Planning through Wills/Trusts

• Capital Gains Tax

• Distribution of Third-Party Products in Retail Banking

• Mutual Fund Business

• Insurance Business

• Social Security Insurance Schemes

• Cross-Selling

• Depository Services by Banks

• Portfolio Management Services

• Factoring

• Other Agency Business by Banks

• Appraisal Procedures

• Application Form

• Documents to Be Submitted for Availing a Home Loan

• Application Received through Agent

• Appraisal of Loan Request

• Other Relevant Issues at Pre-Sanction Stage

• Documentation

• Mortgage

• Registration of Documents

• Detection of Forged and Fabricated Title Deeds

• Other Securities

• Registration of Charges with CERSAI on Security

• Monitoring

• Closure of Account

• Home Loan Frauds

• Tax Benefits in Respect of Housing Finance

• Development of “Home Information Packs”

• Time Value of Money – Interest and Annuities

• Capital Gains

• Loan Calculator

• Loan Amortization Schedule

• Who Does Valuation?

• Land with Building

• Life of Structures

• Sinking Fund

• Reverse Mortgage