Overview

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Learners will analyze commercial banking structures, evaluate deposit and credit frameworks, interpret RBI regulations, apply loan appraisal techniques, and assess treasury and payment system operations within a real-world banking context. This course provides a comprehensive understanding of commercial banking operations—from deposit mobilization and lending principles to investment management, capital adequacy, NPA classification, recovery laws, and digital payment systems. Learners will explore working capital finance, project finance, priority sector lending, statutory reserve requirements, treasury management, foreign exchange services, and para banking activities including mutual funds and pension services. What makes this course unique is its integrated, end-to-end coverage of banking operations aligned with regulatory frameworks, combining operational clarity with compliance insight. Instead of isolated topics, learners gain a structured understanding of how deposits, credit, investments, and payment systems interconnect within a regulated banking ecosystem. By completing this course, learners will strengthen their ability to interpret banking regulations, evaluate risk management practices, and apply practical banking concepts—making it highly valuable for careers in banking, financial services, compliance, and credit analysis.

Syllabus

Foundations of Commercial Banking

This module introduces the fundamental concepts of commercial banking, tracing its historical evolution, defining its core functions, and explaining the regulatory framework governing banks in India. It establishes foundational knowledge of deposit banking, the role of the RBI, and the structural classification of scheduled banks.

Deposit Mobilization & Customer Services

This module explores deposit mobilization strategies, account opening and operational guidelines, customer-centric deposit services, and the regulatory framework governing NRI deposits and deposit insurance. It also introduces fundamental principles of lending connected to deposit safety and liquidity.

Credit Policies & Regulatory Compliance

This module focuses on structured credit policies, RBI credit stipulations, capital adequacy norms, exposure limits, lending rate mechanisms, and fair practice codes. It provides a strong foundation in loan appraisal techniques and types of advances used in commercial banking.

Lending Operations & Recovery Mechanisms

This module covers operational aspects of business lending, including working capital finance, project finance, SME lending, retail credit, priority sector lending, NPA classification, debt restructuring, and legal recovery under the SARFAESI Act.

Bank Investments & Treasury Management

This module explains bank investment operations, statutory reserve requirements (CRR & SLR), non-SLR investments, investment classification norms (HTM, AFS, HFT), and treasury management functions including liquidity and foreign exchange operations.

Payments, Remittances & Para Banking Services

This module explores payment and settlement systems including cheque clearing, RTGS, NEFT, and digital payments. It also examines NRI remittances, primary dealership, merchant banking, mutual funds, pension funds, and para banking activities that diversify modern banking services.