Syllabus for the Certificate Examination for Business Correspondents
(IIBF Exam)
(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
24.7
Negotiation skills
24.8 Dealing
with difficult borrowers
24.9
Strategy for Recovery
24.10
Farmers clubs and SHGs
Abbreviations
