Iibf BC BF Syllabus

Annexure - I
Syllabus for the Certificate Examination for Business Correspondents

(Please note: Chapter numbers given below are the Chapter numbers given in the study book)
MODULE A: GENERAL BANKING
Chapter 1: Structure of Indian Banking and Types of Banks
1.1 Objectives
1.2 Introduction
1.3 Need of Banking Services
1.4 Meaning of a Bank
1.5 Structure of Indian Banking System
1.6 Functions of Banks
1.7 Regulation and Supervision of Banking in India
1.8 Recent Trends in Banking
Chapter 2: Various Deposit Schemes and other Services
2.1 Objectives
2.2 Introduction
2.3 Types of Deposits
2.4 Demand Deposits
2.5 Term Deposits (Excluding Hybrid Deposits or Flexi Deposits)
2.6 Insurance of Bank Deposits by DICGC
2.7 Remittances
Chapter 3: Account Opening, on-Boarding Process, KYC Mechanism and
Operations
3.1 Objectives
3.2 Introduction
3.3 Procedure for Opening an Account
3.4 Photographs of depositors
3.5 Specimen Signature
3.6 Power of Attorney
3.7 Nomination
3.8 Prevention of Money Laundering
3.9 RBI Guidelines in regard to Operations in Accounts
3.14 Closing an Account
Chapter 4: Accounting, Finance & Operations
4.1 Objective
4.2 Introduction
4.4 Finance and Operations
4.5 What is Interest?(excluding Front ended interest & flat rate of interest)
4.6 Equated Monthly lnstalment (EMI)
Chapter 5: Loans and Advances: Retail Lending
5.1 Objectives
5.2 lntroduction
5.3 Loans and Types of Loans
5.4 Retail Lending
5.6 Education Loans
5.7 Housing Loans
5.11 Overdrafts
5.13 Micro and Small Enterprises
Chapter 6: Principles of Sound Lending
6.1 Objectives
6.2 Introduction
6.3 Principles of Lending
Chapter 9: Kisan Credit Card Scheme
9.1 Objective
9.2 Introduction
9.3 Scheme Details
Chapter 11: Asset Classification and Methods of Recovery
11.1 Objectives
11.2 Introduction
11.3 Definition of NP A
11.4 Asset Classification
11.5 Important Aspects of Recovery
Chapter 12: Grievance Redressal Mechanism in Banks and Banking Ombudsman
Scheme
12.l Objectives
12.2 Introduction
12.3 Meaning of Grievance
12.4 Common Grievances of the Small Customers
12.5 Model Policy on Grievance Redressal and its Principles
12.6 Customer Complaint
12. 7 Present Grievance Redressal Mechanism in Banks
12.8 Banking Ombudsman Scheme
Chapter 13: Overview of Financial Market
13.1 Objectives
13.2 Introduction
13.5 Banking Sector
13.6 Insurance Market
13.7 Pension Market
MODULE B: FINANCIAL INCLUSION AND ROLE OF BCAs
Chapter 14: Financial Banking and Banking for the Unbanked
14.1 Objectives
14.2 Introduction
14.3 What is Financial Inclusion?
14.4 Need for Financial Inclusion
14.5 Present Banking Scenario
14.6 Initiatives of Reserve Bank of India
14.7 Business Correspondent and Business Facilitator Model
14.8 Role of Technology in Financial Inclusion
Chapter 15: Microfinance and Self-Help Groups (SHGs)
15.3 What is Microfinance?
15.8 SHG – Definition
CHAPTER 16: Business Correspondent and Business Facilitator (BC/BF) Model:
A Vehicle for Financial Inclusion
16.1 Objectives
I 6.2 Introduction
I 6.3 Need for the BC/BF Model
16.4 Role and Responsibilities of Business Correspondents/ Business Facilitators
16.5 Who can be the Business Facilitators?
16.6 Who can be Business Correspondents?
16.7 Business Facilitators: Scope of Activities
16.8 Business Correspondents: Scope of Activities
16.9 Business Correspondent v. Business Facilitator
16.10 Eligibility Criteria for Engaging Business Correspondents/Business Facilitators
CHAPTER I 17: Risk and Fraud Management
17. I Objectives
I 7.2 Introduction
17.4 Risk and fraud from the perspective of BCAs
17.5 Risk and Fraud Management
17.6 Do's and Don'ts for Business Correspondents and Business Facilitators
CHAPTER 18: PMJDY, PMJJBY, PMSBY AND APY
18.1 Objective
18.2 Introduction
18.3 Pradhan Mantri Jan-Ohan Yojana (PMJDY)
18.4 Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
18.5 Pradhan Mantri Suraksha Bima Yojana (PMSBY)
18.6 Atal Pension Yojana (APY)
MODULE C: TECHNICAL SKILLS
Chapter 20: Basic Technical Skills (handling Micro-ATMs, Biometric and other
Devices, Basic Connectivitv Issues)
20.l Objectives
20.2 Introduction
20.3 It Enabled Financial Inclusion Using BC Model
20.4 Technology for Low Cost Financial Inclusion
ANNEXUREl
Case 1 - Business Correspondent Model of a Public Sector Bank
ANNEXURE2
Case 2 - IT Enabled Financial Inclusion
ANNEXURE3
Case 3 - Private Sector Bank and Business Correspondent
ANNEXURE4
Case 4 - The Case of a Technology enabled Company Offering its service to Banks for
Financial Inclusion
Chapter 21: Digital Banking Products
21.1 Objectives
21.2 Introduction
2 I .3 Need for Digital Banking
21.4 Various types of Cards
21.5 Mobile Banking
21.6 Internet Banking
21.7 Automated Teller Machines (ATMs)
21.8 POS (Point-Of-Sale) Terminals and Micro ATM
21.9 Aadhaar Seeding and e-KYC
21.10 APBS and AEPS
21.1 I RuPay Cards
2l.12 UPI, SHIM and Bharat QR
MODULE D: SOFT SKILLS AND BEHAVIOURAL ASPECTS
Chapter 22: Communication and Financial Counselling (Including Financial
Literacy and Financial Education)
22.4 Importance of Financial Education for Banks
22.10 Role of RBI in Financial Literacy
Chapter 23: How to Deal with Different Types of Customers?
23.l Objective
23.2 Introduction
23.3 Soft skills and hard skills
23.4 Soft Skills to Build Relationships
23.5 Dealing with different types of customers
23.6 How to maintain trust in the client relationship?
23. 7 How to deal with a complaint?
23.8 Do's and Don'ts for handling Customer Complaints
23.9 Duties of a Bank
Chapter 24: Soft Skills and Strategies for Recovery of Bank Loans
24. l Objective
24.2 Introduction
24.7 Negotiation skills
24.8 Dealing with difficult borrowers
24.9 Strategy for Recovery
24.10 Farmers clubs and SHGs
Abbreviations
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Annexure - I

Syllabus for the Certificate Examination for Business Correspondents

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