Certificate in Banking and Financial Services

Description

Course Name: Certificate in Banking and Financial Services
Course Id: CBFS/Q0101.

Eligibility: 10+2 (Higher Secondary) or equivalent is required.

Objective: The Certificate in Banking and Financial Services is designed to offer a foundational understanding of the structure, functions, and operations of the banking and financial services industry. The course covers key topics such as banking products and services, retail and corporate banking, regulatory compliance, digital banking, credit and risk management, and customer relationship management.

Duration: Three Months.

 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.

 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:

Module 1: Introduction to Banking and Financial Services: Overview of the banking system, Role of financial services in the economy, Types of banks and their functions, Introduction to non-banking financial companies (NBFCs), Structure of Indian financial system, Evolution of modern banking, Key banking and financial terminology, Role of RBI and other regulatory bodies, Overview of fintech in banking, Current trends in banking and financial services.

Module 2: Banking Products and Services: Types of deposit accounts (savings, current, fixed, recurring), Loan products (home, personal, vehicle, business), Credit and debit cards, Fund transfer systems (NEFT, RTGS, IMPS, UPI), ATM and mobile banking services, Priority sector lending, Agricultural and rural banking services, MSME finance, Retail banking services, Basics of corporate banking.

Module 3: Financial Markets and Instruments: Overview of financial markets (money, capital, forex), Equity and debt instruments, Primary vs secondary markets, Mutual funds and SIPs, Bonds and treasury bills, Derivatives (futures, options), Stock exchanges and market indices, Commodity and currency markets, Regulatory institutions (SEBI, IRDAI), Investment risks and returns.

Module 4: Financial Services and Wealth Management: Personal financial planning, Tax planning and savings instruments, Insurance as a financial product, Retirement and pension plans, Credit rating and CIBIL score, Investment advisory services, Wealth management principles, Portfolio diversification, Financial goal setting, Digital platforms for financial services.

Module 5: Risk Management, Compliance and Security: Types of risks in banking (credit, market, operational), KYC norms and anti-money laundering (AML), Regulatory compliance and audit, Cybersecurity in banking, Fraud detection and prevention, Basel norms and capital adequacy, Internal controls and risk governance, Non-performing assets (NPA) management, Role of compliance officers, Financial crime and prevention.

Module 6: Practical Aspects and Industry Applications: Customer relationship management in banking, Use of banking software (CBS, CRM, MIS), Retail banking operations and procedures, Role of technology in BFSI sector, Fintech innovations (AI, blockchain, UPI), Digital lending and payments, Case studies of successful banking services, Preparation for bank/finance job roles, Soft skills for customer handling, Final assessment and certification project.

After successful completion of the Certificate in Banking and Financial Services program, graduates are equipped with a well-rounded understanding of retail banking, credit, financial markets, investment products, risk management, and regulatory compliance. This opens up a broad spectrum of career opportunities in banks, NBFCs, mutual funds, insurance companies, and fintech firms across India.

🎯 Career Opportunities After Certificate in Banking and Financial Services (India)

1. Banking Officer / Banking Associate

• Role: Handle customer transactions, deposits, loan processing, and front-office services.

• Industries: Public & private sector banks

• Salary Range: ₹3 – ₹5.5 LPA (Entry-Level, incl. probationary officers)
  ₹6 – ₹10 LPA (With experience)

2. Credit Analyst / Credit Officer

• Role: Analyze creditworthiness, prepare credit appraisal reports, monitor loan portfolios.

• Industries: Banks, NBFCs, housing finance companies

• Salary Range: ₹4 – ₹7 LPA (Entry-Level)
  ₹8 – ₹14 LPA (Senior/Team Lead)

3. Relationship Manager – Retail/Corporate Banking

• Role: Manage high-value clients, cross-sell banking products, and improve client retention.

• Industries: Private banks, wealth management firms

• Salary Range: ₹4.5 – ₹8 LPA (Base)
  ₹9 – ₹16 LPA (With incentives and experience)

4. Loan Officer / Credit Processing Executive

• Role: Process personal, home, auto, and business loan applications.

• Industries: Banks, NBFCs, housing finance

• Salary Range: ₹3 – ₹6 LPA (Entry-Level)
  ₹7 – ₹10 LPA (Experienced)

5. Operations Executive – Banking Services

• Role: Manage KYC, compliance, account setup, MIS reports, backend processes.

• Industries: Banks, credit bureaus, fintech platforms

• Salary Range: ₹3 – ₹5.5 LPA (Entry-Level)
  ₹6 – ₹9 LPA (Mid-Level)

6. Financial Services Executive

• Role: Sell banking and investment products like mutual funds, insurance, and deposits.

• Industries: Banks, AMCs, fintech companies

• Salary Range: ₹3.5 – ₹6.5 LPA (Base) + incentives
  ₹7 – ₹12 LPA (Experienced + targets met)

7. Wealth Management Associate

• Role: Assist in managing HNI portfolios, offering investment advice and financial planning.

• Industries: Banks, private wealth firms, family offices

• Salary Range: ₹4 – ₹7.5 LPA (Entry)
  ₹8 – ₹15+ LPA (With NISM/CFP or CFA Level 1)

8. Risk and Compliance Analyst

• Role: Ensure adherence to RBI/SEBI/IRDA guidelines, AML checks, fraud detection.

• Industries: Banks, NBFCs, insurance companies

• Salary Range: ₹4.5 – ₹8.5 LPA (Entry)
  ₹9 – ₹14 LPA (Mid-Level or Compliance Officers)

9. Customer Relationship Executive – Digital/Branch Banking

• Role: Provide customer support, onboard clients to digital banking, solve service requests.

• Industries: Banks, fintech startups, neo-banks

• Salary Range: ₹2.8 – ₹5 LPA (Entry-Level)
  ₹5.5 – ₹8 LPA (With performance and growth)

10. Investment Product Sales Executive

• Role: Promote mutual funds, fixed deposits, bonds, and recurring savings products.

• Industries: Banks, mutual funds, NBFCs

• Salary Range: ₹3.5 – ₹6 LPA (Base) + commission
  ₹7 – ₹12 LPA (With NISM VA certification)

🏢 Top Employers in India

• Public Banks: SBI, Bank of Baroda, Canara Bank

• Private Banks: HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra

• NBFCs: Bajaj Finserv, Muthoot Finance, Mahindra Finance

• Fintech & Payment Firms: Paytm, PhonePe, Razorpay, Cred

• Investment Firms: HDFC AMC, ICICI Prudential MF, Zerodha, Groww

📈 Career Progression Path

Banking Trainee → Banking Executive → Assistant Manager → Relationship Manager → Branch Manager / Investment Advisor → Area Head

💰 Salary Overview by Experience Level