SYLLABUS MUMUBAI UNIVERSITY BANKING FINANCIAL SERVICES 1 1 1 Syllabus Mumbai University

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Copy to : -
1. The Deputy Registrar, Academic Authorities Meetings and Services
(AAMS),
2. The Deputy Registrar, College Affiliations & Development
Department (CAD),
3. The Deputy Registrar, (Admissions, Enrolment, Eligibility and
Migration Department (AEM),
4. The Deputy Registrar, Research Administration & Promotion Cell
(RAPC),
5. The Deputy Registrar, Executive Authorities Section (EA),
6. The Deputy Registrar, PRO, Fort, (Publi cation Section),
7. The Deputy Registrar, (Special Cell),
8. The Deputy Registrar, Fort/ Vidyanagari Administration Department
(FAD) (VAD), Record Section,
9. The Director, Institute of Distance and Open Learni ng (IDOL Admin),
Vidyanagari,
They are requested to treat this as action taken report on the concerned
resolution adopted by the Academic Council referred to in the above circular
and that on separate Action Taken Report will be sent in this connection.

1. P.A to Hon’ble Vice -Chancellor ,
2. P.A Pro -Vice-Chancellor,
3. P.A to Registrar,
4. All Deans of all Faculties,
5. P.A to Finance & Account Officers, (F.& A.O),
6. P.A to Director, Board of Examinations and Evaluation,
7. P.A to Director, Innovation, Incubation and Linkages,
8. P.A to Director, Board of L ifelong Learning and Extension (BLLE),
9. The Director, Dept. of Information and Communication Technology
(DICT) (CCF & UCC), Vidyanagari,
10. The Director of Board of Student Development,
11. The Director, Department of Students Walfare (DSD),
12. All Deputy Registrar, Examination House,
13. The Deputy Registrars, Finance & Accounts Section,
14. The Assistant Registrar, Administrative sub -Campus Thane,
15. The Assistant Registrar, School of Engg. & Applied Sciences, Kalyan,
16. The Assistant Registrar, Ratnagiri sub -centre, Ratnagiri,
17. The Assistant Registrar, Constituent Colleges Unit,
18. BUCTU,
19. The Receptionist,
20. The Telephone Operator,
21. The Secretary MUASA

for information.

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People’s Education Society’s
SIDDHARTH COLLEGE OF COMMERCE & ECONOMICS
348, Anand Bhavan, Dr. D.N.Road, Fort, Mumbai -400 001.






Proposed Course Structure
&
Syllabus For

Bachelor of Vocation
(Banking & Financial Services)

Sem. -I & Sem. -II, Sem. -III & Sem. -
IV & Sem. -V & Sem. -VI

To be implemented from Academic
Year 2018 -19,
2019 -20 & 2020 -21

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PEOPLE'S EDUCATION SOCIETY'S
SIDDHARTH COLLEGE OF COMMERCE & ECONOMICS
348, Anand Bhavan, Dr. D.N. Road, Fort, Mumbai - 400 001.

Proposed Syllabus for Approval
[Under Choice Based Credit System ]

Bachelor of Vocation (Banking & Financial Services)

Sr.
No. Heading Particulars
1 Title of the Course B. Voc. (Banking & Financial Services)
2 Eligibility for Admission 10+2 from Arts / Science / Commerce
3 Passing Marks 40%
4 Number of Years/Semesters Total 3 Years
(2 Semesters per year & half year per
semester)
5 Level (a) 1st Semester - Certificate
(b) 1st Year - Diploma
(c) 2nd Year - Advance Diploma
(d) 3rd Year - B. Voc. Degree
6 No. of Credits (a) 20 credits for Sem. -I, Sem -III & Sem -V
(b) 40 credits for Sem. -II , Sem -IV, Sem -VI
7 Pattern Semester
8 Year of Implementation Academic Year 2018 -19

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University of Mumbai

Bachelor of Vocation
(Banking & Financial Services)
Three Year Integrated Programme
Six Semesters

Course Structure
Under Choice Based Credit System

Proposed Syllabus

To be implemented from Academic Year - 2018 -2019
Progressively

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Bachelor of Vocation (Banking & Financial Services)

Under Choice Based Credit System

Course Structure

Bachelor of Vocation (Banking & Financial Services )


(To be implemented from Academic Year - 2018 -2019)

No. of
Courses Semester –I Credits No. of
Courses Semester –II Credits
1 General Education : 1 General Education :
1.1 Financial Accounting 04 2.1 Management
Accounting 04
1.2 Introduction to
Business &
Management 03 2.2 Introduction to
Marketing
Management 03
1.3 Computer Skills – 1
04 2.3 Computer Skills – 2
04
2 E-Learning 01 2 E-Learning 01
3 Vocational/Skill Component : 3 Vocational/Skill Component :
1.4 Basics of Banking
Services 04 2.4 Business Law
06
1.5 Managerial Economics
03 2.5 Business
Communication 03
4 Experiential
Learning (project /
workshop / field visit) 01 4 Experiential
Learning (project /
workshop / field visit) 01
Term End Internship &
Research Project 18
Total Credits 20 Total Credits 40
Award - Certificate
(Banking & Financial Services ) Award - Diploma
(Banking & Financial Services ) F.Y. B.Voc

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Bachelor of Vocation (Banking & Financial Services)

Under Choice Based Credit System

Course Structure
Bachelor of Vocation ( Banking & Financial Services )



(To be impl emented from Academic Year 2019 - 2020)
No. of
Courses Semester –III Credits No. of
Courses Semester –IV Credits
1 General Education : 1 General Education :
3.1 Cost Accounting
04 4.1 Soft Skills ( Job
Preparedness Skills)
04
3.2 Micro Finance
Operations
04 4.2 Balance Sheet
Analysis & Taxation 04
2 E-Learning 01 2 E-Learning 01
3 Vocational/Skill Component : 3 Vocational/Skill Component :
3.3 Retail Banking
04 4.3 Risk Management
04
3.4 Banking Laws &
Practices – I 03 4.4 Bank Financial
Management 04
3.5 Investment Banking &
Mutual Funds 03 4.5 Advanced Bank
Management 04
4 Experiential
Learning (project /
workshop / field visit) 01 4 Experiential
Learning (project /
workshop / field visit) 01
Term End Internship &
Research Project 18
Total Credits 20 Total Credits 40
Award - Advanced Diploma (Banking & Financial Services)
S.Y. B.Voc

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Bachelor of Vocation (Banking & Financial Services)

Under Choice Based Credit System

Course Structure
Bachelor of Vocation ( Banking & Financial Services )


(To be implemented from Academic Year 2020 - 2021)
No. of
Courses Semester –V Credits No. of
Courses Semester –VI Credits
1 General Education : 1 General Education :
5.1 Human Resource
Management
04 6.1 Business Ethics &
CSR
04
2 E-Learning 01 2 E-Learning 01
3 Vocational/Skill Component : 3 Vocational/Skill Component :
5.2 Trade Finance
03 6.2 Co-operative Banking
& RRB’s 04
5.3 Digital Banking 03 6.3 Entrepreneurship
04
5.4 Introduction to
Bancassurance 04 6.4 Banking Laws &
Practices - II
04
5.5 Customer Relationship
Management 04 6.5 Marketing of
Financial Products
04
4 Experiential
Learning (project /
workshop / field visit) 01 4 Experiential
Learning (project /
workshop / field visit) 01
Term End Internship &
Research Project 18
Total Credits 20 Total Credits 40
Award - Degree (Banking & Financial Services)
T.Y. B.Voc

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Bachelor of Vocation
(Banking & Financial Services )

Under Choice Based Credit System

Course Structure




(To be implemented from Academic Y ear 2018 - 2019)
No. of
Courses Semester –I Credits No. of
Courses Semester –II Credits
1 General Education : 1 General Education :
1.1 Financial Accounting 04 2.1 Management
Accounting 04
1.2 Introduction to
Business &
Management 03 2.2 Introduction to
Marketing
Management 03
1.3 Computer Skills – 1
04 2.3 Computer Skills – 2
04
2 E-Learning 01 2 E-Learning 01
3 Vocational/Skill Component : 3 Vocational/Skill Component :
1.4 Basics of Banking
Services 04 2.4 Business Law
06
1.5 Managerial Economics
03 2.5 Business
Communication 03
4 Experiential Learning
(project / workshop /
field visit) 01 4 Experiential Learning
(project / workshop /
field visit) 01
Term End Internship &
Research Project 18
Total Credits 20 Total Credits 40
Award - Certificate
(Banking & Financial Services ) Award - Diploma
(Banking & Financial Services ) F.Y.B.VOC

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Bachelor of Vocation
(Banking & Financial Services )

Under Choice Based Credit System

Course Structure

Semester – I

No. of
Courses Semester –I Credits
1 General Education :
1.1 Financial Accounting 04
1.2 Introduction to Business & Management 03
1.3 Computer Skills – 1 04
2 E-Learning 01
3 Vocational/Skill Component :
1.4 Basics of Banking Services 04
1.5 Managerial Economics 03
4 Experiential Learning (project /
workshop / field visit) 01

Total Credits 20

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Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services )

Semester I

with e ffect from the Academic Year 2018 -2019

1.1 Financial Accounting
Modules at a Glance

Sr.
No. Modules No. of
Lectures
1 Introduction to Accounting 12
2 Clas sification of Income & Expenses 12
3 Accounting Standards & Inventory Valuation 12
4 Accounting from Incomplete Records 12
5 Final Accounts 12
Total 60

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Sr.
No. Modules / Units
1 Introduction to Accounting:
Meaning, scope, objectives, need, importance and limitations of
accounting. Basic accounting terminology. Branches of accounting.
Accounting concepts, Conventions and Principles. Double Entry
System, Classifications of accounts, Rules of debit and credit. Writing
of journal Entries and Ledger, Sub division of journal a nd Trial
Balance
2 Classification of Income & Expenses:
Classifications of Income, Expenditure and Receipts on the basis of
capital and revenue. Source documents required for practical
accounting.
3 Accounting Standards & Inventory Valuation
(a) Accounting Standards:
° AS -1 Disclosure of Accounting Policies (Purpose, Areas of
Policies, Disclosure of policies, Disclosure of change in
Policies with Illustrations.
° AS -2 Valuation of Inventories (Meaning, Definition,
Applicability, Measurement and Disclosures)
(b) Inventory Valuation [FIFO & WAM]
° Meaning of inventories Cost for inventory valuation
° Inventory systems : Periodic Inventory system and
Perpetual Inventory System
° Valuation: Meaning and importance
° Methods of Stock Valuation as per AS – 2 :
° FIFO and Weighted Average Method Computation of
valuation of inventory as on balance sheet date: If inventory
is taken on a date a fter the balance sheet or before the
balance sheet
4 Accounting from Incomplete Records
Introduction, Problems on preparation of final accounts of Proprietary
Trading Concern (conversion method)

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5 Final Accounts:
Final Account of Sole Trader - Manufacturing Account, Trading
Account, Profit and Loss Account, Balance Sheet, Adjustments and
Closing Entries.

Reference books :

 Introduction to Accountancy by T. S. Grewal, S. Chand and
Company (P) Ltd., New Delhi.
 Advance Accounts by Shukla & Grewal, S. Chand and
Company (P) Ltd., New Delhi.
 Advanced Accountancy by R. L Gupta and M Radhaswamy, S.
Chand and Company (P) Ltd., New Delhi.
 Financial Accounting by LesileChandwichk, Pentice Hall of
India Adin Bakley (P) Ltd.
 Financial A ccounting by Monga, J.R. Ahuja, Girish Ahuja and
Sheh gal Ashok, Mayur Paper Back.
 Indian Accounting Standards, Ashish Bhattacharya, Tata Mc.
Grow Hill & Co. Ltd.
 Financial Accounting by M. Mukherjee.M. Hanif. Tata McGraw
Hill Education Private Ltd. New De lhi

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Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services )

Semester I

with e ffect from the Academic Year 2018 -2019

1.2 Introduction to Business and Management
Modules at a Glance
Sr.
No. Modules No. of
Lectures
1 Introduction to Business
11
2 Business Environment
11
3 Introduction to Management
11
4 Planning, Organi sing, Directing and
Controlling 12
Total 45

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Sr.
No. Modules / Units
1 Introduction to Business
Introduction - Concept, Functions, Scope and Significance of
Business, Traditional and Modern concept of Business;
Objectives of Business - Steps in setting business objectives,
classification of business objectives, Reconciliation of Economic and
Social objectives; New trends in Business – Impact of
Liberalization, Privatization and Globalization, Strategy alternative in
changing scenario, R estructuring and Turnaround strategies.

2 Business Environment:

Concept & Importance of Business Environment, Interrelationships
between Business & Environment, Constituents of Business
Environment – Internal & External Environment, Educational
Empowerment & it's impact; International Environment – current
trends in world, WTO, Trading Blocks & impact on Indian business.

3 Introduction to Management
Introduction – Concepts, Importance, Functions, Managerial skills
and competencies, Evolution of Management thoughts: Classical
Approach: F.W. Taylor's Contribution, Classical Organisation
Theory; Neo Classical: Human relations – Elton Mayo's Hawthorne
experiments.

4 Planning, Organising, Directing and Controlling
Planning - Steps, Importance, Components, Coordination -
importance; Organising - Steps, Organisational Structure - Features
of Line and Staff Organisation, Formal vs Informal Organisation;
Motivation - Steps, importance, influencing factors, Importance of
Communication, Barriers to effective communication; Controlling -
Concept, Steps, Essentials of a good control system, Technology of
controlling - PERT, CPM, Budgetary Control and Management Audit .

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Reference books :

 Business Organisation Ma nagement Maheshwari, Rajendra P ,
Mahajan, J.P.,International Book House
 Introduction To Commerce, Vikram, Amit, Atlantic Pub
 Business Environment, Cherunilam,Francis, Himalaya Pub
 Essentials Of Business Environment, Aswathappa,K., Himalaya
Pub
 Strategic Management, Kapoor, Veekkas, Taxmann
 Strategic Management, Bhutani, Kapil, Mark Pub
 Strategic Management, David,Fred R., Phi Leraning

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Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services )

Semester I

with e ffect from the Academic Year 2018 -2019

1.3 Computer Skills – I
Modules at a Glance
Sr. No. Modules No. of
Lectures
1 Computer Basics
12
2 Internet
12
3 Microsoft Word
12
4 Microsoft Excel
12
5 Microsoft PowerPoint
12
Total 60

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Sr.
No. Modules / Units
1 Computer Basics

Hardware - Basic structure of a PC, Type of Computers, Input/
Output devices(definition), Use of Printer, Scanner, Microphone
speaker; Memory, storage, storage devices, RAM, ROM,
Processor, Processing speed and RAM, Hard Disk and RAM;
Software - Software, Types of Sof tware - System & Application
softwares; Operating Systems, Windows Operating System,
Windows basics - My computer, my documents, recycle bin,
network neighbourhood, start menu, taskbar; keyboard shortcuts;
File Management - file and folder operation (creat ing, copying,
moving, deleting), Networking - Introduction to Networks, Type
of Networks, Network Topologies, Intranet & Internet.

2 Internet
What is internet, Domain name, Webserver, WWW, URL, Type
of Websites - Static & Dynamic; Use of Email services, HTML,
FTP, Browsers, Types of Browsers, Search Engine, Searching on
the Web, Keywords, Internet Security.

3 Microsoft Word
Getting started, The Word window, New documents, Document
navigation, Editing text, Working with text, Undo and Redo
commands, Cut, copy, and paste, Find and replace, Text
formatting, Character formatting, Tab settings, Paragraph
formatting, Paragraph spacing and indents, Tables, Creating
tables, Working with table content, Changing the table, structure,
Page layout, Headers and f ooters, Page setup, Graphics, Adding
graphics and clip art, Working with graphics, Proofing, printing,
and exporting, Spelling and grammar, Auto correct, Printing and
exporting documents.

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4 Microsoft Excel
Fundamentals of Excel, Cut, Copy, Insert, Delete, Paste Special,
Custom Formatting , Undo, Redo, Excel Formulas – Basic,
Useful functions and Paste Function, Calc, Comments, Drawing
toolbar, Edit, Replace, Delete, Clear, Essential Printing, Data
Sorting, H iding, AutoFormats, Protection, Basic Charts, Basic
Formatting, If Function.

5 Microsoft Power Point
Getting started, PowerPoint interface, Creating a basic
presentation, Working with slides, Editing slide content,
Formatting text and lists, Editing efficiently, Working with
shapes, Creating shapes, Formatting shapes , Applying content to
shapes. Graphics, WordArt, Pictures, Tables and charts,
SmartArt, Preparing and printing presentations, Proofing
presentations, Preparing a presentation, Printing pr esentations.


Reference books :

 Fundamentals of Computers - Rajaram V - Prentice Hall
 Computers Today - Sanders, Donald - Mc Graw Hill
 Computers - Subramaniam N - wheeler
 Computers in Business - Saners D Mc Graw hills
 Woody Leonhard, using Microsoft Office, Pearson
 PCSoftware Made Simple -R.K.Taxali
 Office 2013 complete reference - Stephen L.Nelson
 Quick course in Micro -soft office - Joyce Cox, Polly Orban
 Mastering Office 2013 - Gimi Couster
 Rajkamal, Internet and web Technologies, Tata McGraw Hill
2013.

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Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services )

Semester I

with e ffect from the Academic Year 2018 -2019

1.4 Basics of Banking Services
Modules at a Glance
Sr.
No. Modules No. of
Lectures
1 Introduction to Banking System 15
2 Banking Services 15
3 Financial Services -I
15
4 Financial Services -II
15
Total 60

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Sr.
No. Modules / Units
1 Introduction to Banking System
Unit 1 - RBI &Banking System in India
Origins of the Reserve Bank of India, Functions of the Reserve
Bank, Central Office
Departments, Organisation, Currency Unit and Denomination,
Banking System in india.
Unit 2 - Types and Process of Bank Account
Introduction of bank accounts, Fixed Deposit Account or Time
Deposit Accounts .
Current Account or Demand Deposit Account. Saving Account.
Recurring Deposit Account., Demat Account, NRI Account..
Unit 3 - Know Your Customers and Formalities (Practical)
KYC Form, KYC documents, ICICI BANK, SBI form fill up
practical.
2 Banking Services
Unit 4 - Introduction of Banking Services
History of banking in India (Pre -Nationalization Era. Nationalization
Stage. Post
Liberalization Era), Nationalization Stages, Classification of
Banking Industry in India, intro Banking services
Unit 5 -Types of Bank Services
Bank accounts, Loans, Money Transfer, Credit and debit cards,
Lockers, advantages, disadvantages etc., Why is Customer
Service Important, key areas of customer’s services, Customer
service strategies in banking sector, Customer feedback and
complaints.

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3 Financial Services -I
Unit 6 – Introduction of Hire Purchase System (Theory)
Introduction of hire purchase system, important of hire purchase
system, advantages, disadvantages of hire purchase system,
participant in hire purchase system, legal framework, RBI guideline
etc.
Unit 7 - Hire Purchase Accounting (Practical)
Included and inclusive interest meth od hire purchase accounting
4 Financial Services -II
Unit 8 – Demat account Services - I
Introduction of demat account. Demat account services. Advantages
of demat account, important of demat account, issue in demat
account , infrastructure for demat account. Scope of demat account
services. Income for bank from demat account services.
Unit 9 – Demat account Services -II
Marketing Strategy for demat account services, competition demat
account services, types of service provider for demat account. demat
account platform. I cici bank demat account service technique and
platform

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Reference books :

 Management Of Banking And Financial Services,
 Suresh Padmalatha , Pearson Education India, 2011
 V.A.Avadhani, Marketing of Financial Services, Himalayas
Publishers, Mumbai
 DK Murthy, and Venugopal, Indian Financial System, IK Int
Pub House
 Punithavathy Pandian, Financial Markets and Services, Vikas,
New Delhi
 Khan, M.Y., Indian Financial System, Tata McGraw Hill
Publishing Company Ltd., New Delhi
 Indian Institute of Banking & Finance, Retail Banking, Mumbai

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Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services )

Semester I

with e ffect from the Academic Year 2018 -2019

1.5 Managerial Economics
Modules at a Glance
Sr.
No. Modules No. of
Lectures
1 Introduction 10
2 Demand Analysis 12
3 Production and Costs
12
4 Market Structures and Macroeconomics for
Management
11
Total 45

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Sr.
No. Modules / Units
1 Introduction

Meaning, nature and Scope of Managerial Economics, Role of
Managerial Economics,
Economic problems & Basics Concepts, tools and techniques of
managerial economics, Objectives and Constraints of the Firm

2 Demand Analysis

Demand Function - Demand Concept and determinants of demand,
nature of demand curve under different markets structures,(Perfect &
Imperfect Market); Elasticity Of Demand - Meaning, Significance,
types and measurement of elasticity of demand (Price, Income, Cross
& Promotion al)- relationship between elasticity of demand and
revenue concepts; Demand estimation and forecasting - Meaning
and significance – Methods of demand estimation: Survey and
statistical method (Numerical problem and measurement of elasticity)

3 Production and Costs


Production - Meaning of production and type of production
functions,
Application of production functions in service and manufacturing
sector.
Economics of Scale and scope; Costs - Cost concepts (Accounting
cost and economic cost, implicit and explicit cost, Historical cost and
replacement cost, Sunk cost and Incremental cost – fixed and variable
cost –total, average and marginal cost) -Importance of Cost in
managerial Decision Making, Cost Output Relationship in the short
run and long run.

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4 Market Structures and Macroeconomics for
Management
Market Structures - (Perfect competition, Monopoly, Duopoly,
Oligopoly, Monopolistic Competition) - Meaning, Features and
Comparison, Price and Output Decisions); Macroeconomics for
Management - National Income (Meaning, Definitions and
Measurement), Inflation (Nature & Causes, Monetary and fiscal
policy measures to curb), Business Cycles Analysis (Meaning,
features &Phases).


Reference Books:

 Managerial Economics, Dean Joel, Eastern Edition
 Managerial Economics, Almanand, Excel Books, New Delhi
 Managerial Economics, Hague, D., Longman, London.
 A study of Managerial Economics,Gopalkrishna, Himalaya,
Mumbai
 Managerial Economics, Cauvery, R. Et al. S. Chand New Delhi
 Managerial Economics, Paul G Keat, K.Y. Young, Prentic Hall
Publication
 The Economic Today, Bradley R Schiller, McGral –Hil.

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Bachelor of Vocation
(Banking & Financial Services )

Under Choice Based Credit System
Course Structure

Semester – II

No. of
Courses Semester –II Credits
1 General Education
2.1 Management Accounting
04
2.2 Introduction to Marketing
Management
03
2.3 Computer Skills – 2
04
2 E-Learning 01
3 Vocational/Skill Component
2.4 Business Law
06
2.5 Business Communication
03
4 Experiential Learning (project /
workshop / field visit) 01
Term End Internship & Research Project 18
Total Credits 40
Award - Diploma ( Banking & Financial Services )

Page 35

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Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services )

Semester I I

with e ffect from the Academic Year 2018 -2019

2.1 Management Accounting
Modules at a Glance
Sr.
No. Modules No. of
Lectures
1 Introduction to Management Accounting
15
2 Analysis and Interpretation of Accounts
15
3 Financial Statement analysis: Ratio analysis
15
4 Working Capital Management
15
Total 60

Page 37

Sr.
No. Modules / Units
1 Introduction to Management Accounting
Meaning, Features, Scope, Importance, Functions, role of
Management Accounting, Management Accounting Framework,
Tools, Management Accounting and Financial Accounting
2 Analysis and Interpretation of Accounts
a)Vertical Forms of Balance Sheet and Profit and Loss Account
suitable for analysis
b) Trend Analysis.
c) Comparative Statement.
d) Common Size Statement.
NOTE: Practical Problems based on the above (a) to (d)
3 Financial Statement analysis: Ra tio analysis
Meaning of financial Statement Analysis, steps, Objective and types
of Analysis.
Ratio analysis:
Meaning, classification, Du Point Cha rt, advantages and Limitations.
Revenue Statement Ratios :
Gross Profit Ratio, Expenses Ratio, Operating Ratio, Net Profit Ratio,
Net Operating Profit Ratio, Stock Turnover Ratio,

4 Working Capital Management
A. Concept, Nature of Working Capital, Planning of Working Capital
B. Estimation / Projection of Working Capital Requirement in case of
Trading and Manufacturing Organization
C. Operating Cycle Practical Problems.

Page 38

Reference books :
 Advance Cost & Management Accounting By Sax ena, ed.
Sultan Chand & Sons.
 Cost & Management Accounting, By Inamdar, S.M. Ed.
Everest.
 Management Accounting & Financial Analysis By Kishore, ed.
Taxman Alliance Services.
 Managment Accounting : Test, Problem and cases By Khan .

Page 39

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services)

Semester II

with e ffect from the Academic Year 2018 -2019

2.2 Introduction to Marketing Management
Modules at a Glance
Sr.
No. Modules No. of
Lectures
1 Introduction to Marketing
12
2 Product and Brand Management
12
3 Pricing Decisions
11
4 Promotion mix
10
Total 45

Page 40

Sr.
No. Modules / Units
1 Unit I Introduction to Marketing
The 4 Ps and 3Cs of Marketing, Marketing as an activity, function,
and philosophy, Needs, wants and demands; transactions, transfers &
exchanges, Orientation of a firm: Production concept; product
concept; selling concept: and marketing concept; New Trends in
Marketing: E -Marketing, Internet Marketing and Marketing using
social networks, Societal Marketing/Relationship Marketing.

2 Unit II Product and Brand Management
Products: core, tangible and augmented products; Product mixed
decisions: product line decisions; strategic filling, line modernization
decisions; New product development process: idea generation,
screening, concept development and testing, marketing strategy,
product development, market testing, test marketing, and
commercialization; product life cycle: Introduction growth, marketing
decline; Brand Management - Brand equity; branding decisions; brand
extensions; brand portfolios; Segmentation, Targeting and Positioning
(STP), Segmentation variables for consumer markets, Geographic,
demographic, psychographic, behvioural segmentation variable for
indus trial markets: customer location, type of industry, size of the
firm, purchase criteria, etc. Targeting: Undifferentiated marketing;
single segment and multi segment structures; guidelines for selecting
target markets ; Positioning: Identifying frame of re ference; points of
parity and points of difference; choosing category membership;
product and brand differentiation for identifying of position

3 Unit III Pricing Decisions
Pricing objectives; factors influencing pricing decisions , Types of
pricing: Mark up/cost plus pricing; perceived value pricing; value
pricing; geographic pricing; Responding to competitors , Action
through price and non -price variables. Impact of the products: stage in
the PLC on pricing decisions.

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4 Unit IV Promotion Mix
Advertising: Importance and scope , Sales promotion: objectives;
consumer promotions , PR and publicity , Personal Selling:
recruitment, selection, training, motivation and evaluation of sales
reports; Integrated Marketing Communication - Definition of target
audience; determining communication objectives, designing
communication and selection of channels, Ethics in Marketing ,
Advertising Standards Council of India code of ethics in advertising;
promotion to children; unfair practices in marketing.

Reference books :

 Marketing Management – Philp Kotler
 Marketing Management – Shailekar
 Marketing Management – Rajan Saxena
 Management – A competency building approach – Heil Reigel /
Jackson/ Slocum
 Stoner, Freeman & Gulbert: Management (Prentice Hall India)
 Heinz Weirich: Management (Tata McGraw Hill) Management
– Theory & Practice – Dr Vandana Jain – International Book
House Ltd
 Management Today – Principles & Practice – Burton – McGraw
Hill Publications

Page 42

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services )

Semester I I

with e ffect from the Academic Year 2018 -2019
2.3 Computer Skills – II
Modules at a Glance
Sr.
No. Modules No. of
Lectures
1 Introduction to Tally.ERP 9
15
2 Setting -up of Company Info, Accounts &
Inventory
15
3 Accounting Vouchers
15
4 Point of Sales
15
Total 60

Page 43

Sr.
No. Modules / Units
1 Introduction to Tally.ERP 9
Meaning of Accounting Software, Types of Accounting
Software, Use of Accounting Software, Introduction to Tally,
Features of Tally.ERP 9, Benefits / Advantages of Tally.ERP 9,
Tally start up screen and components, Switching between screen
area- Ctrl-n & Ct rl-m, Quitting Tally.

2 Setting -up of Company Info, Accounts & Inventory
Company Info:
Company Creation, Opening / Selection of Company,
Modification, Deletion, Shut a Company, Introduction to F11 -
Features - Accounting, Inventory and Statutory & Taxation
Features
Account & Inventory:
Group: Creating, Modifying, Deleting, and Displaying; Ledger:
Creating, Modifying, Deleting, Displaying; Voucher: Voucher
Types & Accounting Vouchers.
Inventory Masters: Stock Group - Creating, Modifying, Deleting,
Displaying; Stock Unit - Creating, Modifying, Deleting,
Displaying; Stock Item - Creating, Modifying, Deleting,
Displaying.

3 Accounting Vouchers
Vouchers, Types of Vouchers, Accounting Vouchers - Contra
Voucher (F4), Payment Voucher (F5), Receipt Voucher (F6),
Journal Voucher (F7), Sales Voucher (F8), Credit note Voucher
(Ctrl+F8), Purchase Voucher (F9), Debit note Voucher (Ctrl
+F9), Reversing Journal (F10), Memo Voucher (Ctrl+F10),
Inventory Vouchers - Inventory Vouchers, Purchase order, Sales
order, Rejection out, Rejection In, Stock journal, Delivery Note,
Receipt Note, Physical note, Invoicing.

Page 44

Reference books :

 Tally.ERP9 by Sanjay Satpathy
 GST acconting with Tally ERP9 by Asok K. Na dhani
 Official Guide to Financial Accounting using Tally ERP9 with
GST by Tally Education Pvt. Ltd.










4 Point of Sales
Introduction to POS, Meaning of POS, POS system, Key
components of POS system -software and hardware, types of
POS softwares and hardwares, Difference between POS software
& POS terminal, types of POS system, advantages/benefits of
POS System, Factors to be consider in Evaluation of POS
System, working of POS system, Retail merchandising system,
Features of RMS, Benefits of RMS.

Page 45

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services )

Semester I I

with e ffect from the Academic Year 2018 -2019
2.4 Business Law
Modules at a Glance
Sr.
No. Modules No. of
Lectures
1 Indian contract ACT, 1872
15
2 Special contracts.
15
3 The sale of goods ACT, 1930.
15
4 Indian partnership ACT, 1932
15
Total 60

Page 46

Sr.
No. Modules / Units
1 Indian contract ACT, 1872
Contract - Definition of Contract and Agreement, Essentials of Valid
Contract, Classification of Contracts; Offer and Acceptance - Rules
of a valid offer and acceptance, Counter offer, Distinguish between
offer and invitation to offer; Capacity to Contracts (S.10 -12) –
Minor, Unsound Mind, Disqualified Persons, Consideration (S.2 &
25) – Concept band Importance of Consideration, Legal rules, ‘No
Consideration No Contracts’(Ss.25), Unlawful Consideration (S.23);
Consent (Ss. 13, 14 -18, 39, 53, 55, 66) – Agreements in which
consent is not free - Coercion, Undue Influence, Misrepresentation,
Fraud, Mistake, Contingent Contract (S.31), Quasi Contract (S.68 -
72), E -contract.

2 Special contracts
Law of Indemnity and Guarantee ( Ss. 124 -125, 126 -129, 132 -147)
– Concepts, Essential elements of Indemnity and Guarantee, Modes
of Discharge of Surety; Law of Bailment (S.148, 152 -154, 162, 172,
178, 178A, 179) – Concept, Essentials of Bailment, Kinds of
Bailment, Rights and Duties of Bailor and Bailee; Law of Pledge –
Concept, Essentials of valid Pledge, Difference between Pledge and
Lien, Rights of Pawnor and Pawnee. (Ss.173, 174, 177).

3 The sale of goods ACT, 1930.
Contract of Sale (S.2) – Concept, Essentials elements of contract of
sale, Distinguish between Sale and Agreement to Sell (S.4),
Distinguish between Sale and Hire Purchase Agreement of Contract
and Agreement, Types of Goods, Effects of Destruction of goods
(Ss.6,7,8); Conditions and Warranties (Ss. 11 -25 & 62, 63) -
Concept, Distinguish between Conditions and Warranties, Implied
Conditions and Warranties, Doctrine of Caveat Emptor; Property –
Concept, Rules of transfer of property (S.10 -12); Unpaid Seller
(Ss.45 -54, 55 & 56) – Concept, Rights of Unpaid seller.

Page 47

4 Indian partnership ACT, 1932
Partnership - Concept, Partnership Deed, Types of Partnership,
Rights and Duties of Partners; Limited Liability Partnership -
Concept, Characteristics, Advantages and Disadvantages, Procedure
for Incorporation of LLP.


Reference books :
 Business Law, K.R. Bulchandani, Himalaya Publishing House
 Business Law, N D Kapoor, Sultan Chand & Sons (P) Ltd.
 Business Law, P. C. Tulsian, Bharat Tulsian, McGraw Hill
Education (MGH)
 Business Law, S. D. Geet (and M. S. Patil), Nirali Prakashan
Pune
 Elements of Mercantile Law , N D Kapoor , S. Chand and Sons
 Business Law, Dr. N. M. Vechalekar, Everest publishing house
 Company Law, Avtar Singh, Eastern Book Company (EBC)

Page 48

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services )

Semester I I

with e ffect from the Academic Year 2018 -2019
2.5 Business Communication
Modules at a Glance
Sr.
No. Modules No. of
Lectures
1 Introduction
12
2 Business Etiquettes
12
3 Business Correspondence - I
11
4 Business Correspondence - II
10
Total 45

Page 49

Sr.
No. Modules / Units
1 Introduction
Introduction to Communication, Communication Process, Channels
of Communication,
Barriers to Communication & Overcoming communication barriers,
Types of Communication & Merits and limitations of each type.
2 Business Etiquettes
Concept & Importance
Etiquettes for:
- Meeting
- Telephone/ Cell phone Conversation
Etiquettes at work place(internal -superiors, peers &subordinates )
Etiquettes with stakeholders (external -Suppliers & customers )
3 Business Correspondence - I

Forms & Layouts of Business Letters, Business Letters [Letter of
Application, Resume Writing, Resignation Letter, Termination Letter,
Letters of Enquiry, Complaints, Reply and Adjustments Letters.

4 Business Correspondence - II
Trade Letters: Order, Credit and Status Enquiry, Collection (just a
brief introduction to be given)
Only following to be taught in detail: - Letters of Inquiry, Letters of
Complaints, Claims, Adjustments Sales Letters, promotional leaf lets
and fliers Consumer Grievance Letters, Letters under Right to
Information (RTI) Act [Teachers must provide the students with
theoretical constructs wherever necessary in order to create
awareness. However students should not be tested on the theory.]

Page 50

Reference books :
 Chaturvedi P.D. & Chaturvedi M, Bus iness
Communication, Pearson.
 Communicate to Win - Richard Denny - Kogan Page
India Private Limited, New Delhi.
 Essentials of business communication - Rajendra pal &
J.S. Korlahalli.
 Business Correspondence and Report writing - R.C.
Sharma, Krishna Mohan - Tata McGraw - Hill
Publication Co. Ltd.

Page 51

Bachelor of Vocation
(Banking & Financial Services )

Under Choice Based Credit System
Course Structure



(To be impl emented from Academic Year - 2019 -2020 )

No. of
Courses Semester –III Credits No. of
Courses Semester –IV Credits
1 General Education : 1 General Education :
3.1 Cost Accou nting 04 4.1 Soft Skills ( Job
Preparedness Skills)
04
3.2 Micro Finance
Operations 04 4.2 Balance Sheet
Analysis & Taxation 04
2 E-Learning 01 2 E-Learning 01
3 Vocational/Skill Component : 3 Vocational/Skill Component :
3.3 Retail Banking 04 4.3 Risk Management
04
3.4 Banking Laws &
Practices - I 03 4.4 Bank Financial
Management 04
3.5 Investment Banking &
Mutual Funds 03 4.5 Advanced Bank
Management 04
4 Experiential Learning
(project / workshop /
field visit) 01 4 Experiential
Learning (project /
workshop / field visit) 01
Term End Internship &
Research Project 18
Total Credits 20 Total Credits 40
Award - Advanced Diploma (Banking & Financial Services) S.Y. B.Voc

Page 52

Bachelor of Vocation
(Banking & Financial Services )
Under Choice Based Credit System
Course Structure
Semester –III



No. of
Courses Semester –III Credit
s
1 General Education :
3.1 Cost Accounting
04
3.2 Micro Finance Operations
04
2 E-Learning 01
3 Vocational/Skill Component :
3.3 Retail Banking
04
3.4 Banking Laws & Practices - I
03
3.5 Investment Banking & Mutual Funds 03
4 Experiential Learning (project / workshop
/ field visit) 01

Total Credits 20
Award - Advanced Diploma (Banking & Financial Services)

Page 53

Page 54

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services )

Semester I II

with e ffect from the Academic Year 201 9 - 2020
3.1 Cost Accounting
Modules at a Glance
Sr.
No. Modules No. of
Lectures
1 Introduction
10
2 Material Cost
10
3 Labour Cost
10
4 Overheads
10
5 Contract Costing
10
6 Process Costing 10
Total 60

Page 55

Sr.
No. Modules / Units
1 Introduction
Meaning and Scope of Cost Accounting, Objectives of Cost
Accounting, Cost Accounting Versus Financial Accounting,
Importance of Cost Accounting, Elements of Cost, Components of
Total Cost, Classification of Costs, Coding System, Installation of a
Costing System, Methods of Costing, Techniques of Costing, Systems
of Costing.
2 Material Cost
Material Control - Scope, essentials, objectives and
advantages.Purchasing of Material - Objectives of Scientific
purchasing, functions of purchase department and Procurement
Procedures. Techniques of fixing level of stocks - Maximum,
minimum, reorder, danger and average stock level. Economic Order
Quantity (EOQ), Receiving Mate rials, Inspection of materials, storage
of materials, issuing of materials, Maintenance of inventory records -
Incoming and outgoing material. Inventory system - periodic
inventory control and continuous stock taking. Inventory ratios,
Accounting for inven tory - FIFO, Average and Weighted average
method.
3 Labour Cost
Direct and indirect labour, control over labour cost, cost accounting
department, treatment of holiday pay idle time and overtime in cost
account. Labour turnover, direct expenses - nature of direct expenses.
4 Overheads
Introduction, meaning of direct and indirect expenses, classification
of overheads on the basis of elements, behaviour and function,
methods of absorption like production units method, percentage of
wage or prime, Allocation and absorption of overheads using
absorption costing method.
5 Contract Costing
Introduction, meaning of contract costing, difference between
contracts and jobs, Ascertainment of cost of a contract, Progress

Page 56

payment, Retention money, Escalation clause, Cost plus contract,
Value of work certified, Cost of Work not certified.
Determination Value of work certified, Cost of work not certified,
Notional or Estimated profit from a contact. Practical Illustrations.
6 Process Costing
Introd uction and meaning, differences between job and process
costing, process costing procedure, process costing when there is no
loss or gain, abnormal loss and gain.
Joint Products - Apportionment of joint costs, Methods of
apportioning joint cost over joint products, By -Products - Methods of
apportioning joint costs over by -products, treatment of By -product
cost.


Reference books :

 Cost Accounting, Mahabaleshwara Bhatt - Himalaya
Publications (2010) .
 Cost Accounting, S P Jain & K B Navarang - Kalyani
Publications, 23rd Edition 2014 .
 Cost Accounting, M N Arora – Vikas Publications (2012) .

Page 57

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services )

Semester I II

with e ffect from the Academic Year 201 9 - 2020
3.2 Micro Finance Operations
Modules at a Glance
Sr.
No. Modules No. of
Lectures
1 Introduction to Micro Finance
15
2 Financial and Operational Evaluation
15
3 Micro Finance in India
15
4 Issues, Trends and Frontiers of Micro
Finance
15
Total 60

Page 58

Sr.
No. Modules / Units
1 Introduction to Micro Finance

Micro Finance – Introduction, Need and Code of Conduct for Micro
Finance Institutions in India, Advantages, Purpose, Limitations and
Models of SHG – Bank Linkage Program; Demand and Supply of
Micro Finance - Role of NABARD and SIDBI, Portfolio
Securitization, SHG -2, NR LM and SRLM, Priority Sector and its
Classification; Role of Banks in Micro Finance - Need & Extent
RBI Committee Report of Medium -Term Path on Financial Inclusion
2015, World Fundex Report 2015, NISM Report 2015, (Only Brief
Extracts relating to bank acco unt holdings and credit taken and
contrast between developing and developed nations); Micro Finance
Innovative Concepts, Approaches and Financial Inclusion -
Features & Procedures of Pradhan Mantri Jan Dhana Yojana, and PM
Mudra Yojana. Features, procedure s and significance of Stand -up
India Scheme for Green Field.

2 Financial and Operational Evaluation

Analysing and Managing Financial Performance of MFIs -
Analysing and Managing Financial Statements of MFIs/RRBs,
Financial Ratios, Capital Adequacy, IRAC and Provisioning Norms,
Revenue Models of Micro Finance, Role of Subsidies and Donors in
Micro Finance; Cost Volume and Profit (CVP) Analysis – Micro
Finance –Operational Evaluation, Business Planning, Impact
Assessment, CVP Analysis, Cost Volume and Profit (CVP)Analysis –
Micro Finance; Market Evaluation of Micro Finance – Products
and Services - Introduction of Market evaluation, product and
services, Micro F inance –Operational Evaluation, Micro Finance
Delivery; Legal and Regulatory Compliance in Micro Finance -
Introduction of legal aspect and regulatory compliance in Micro
Finance, Social Evaluation of Micro Finance, Role of Ethics in Micro
Finance.

Page 59

3 Micro Finance in India

Bank Linkup and Programme - Introduction of linkup and
programme, Advantages & Benefit of programme, State Intervention
in Rural Credit, Governance and the Constitution of the Board of
Various Forms of MFIs in India, Level of Micr o Finance programme
in India; Intermediaries for Micro Finance - Meaning and
introduction of Micro Finance intermediaries in India, advantages and
disadvantages of intermediaries, Micro Finance Delivery Models and
Banks Link ages Programme, benefit of inte rmediaries, problem faced
by intermediaries.

4 Issues, Trends and Frontiers of Micro Finance:

Emerging Issues in Micro Finance - Discussion of issue, Gender
Issues in Micro finance, Micro Credit as Priority Sector Advance,
Trends and frontiers of micro finance -Impact of Micro finance on
Empowerment of Women; Role of Technology in Micro finance -
Introduction of role of technology in micro finance, Features,
advantages & Disadvantages technology in micro finance. Type of
technology used in micro finance operation.



Reference books :
 Micro Finance – O. C. Rana, Hem Raj, Himalaya Publication
House.
 Micro Finance: Perspectives and Operations - Macmillan.
 Beatriz Armendariz and Jonathan Morduch, “The Economics of
Microfinance”, Prentice -Hall of India Pvt. Ltd. Delhi, 2005
 C.K. Prahalad, "The Market at the Bottom of the Pyramid,"
2006, The Fortune at the Bottom of the Pyramid, Wharton
School Publishing

Page 60

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services )

Semester I II

with e ffect from the Academic Year 201 9 - 2020
3.3 Retail Banking
Modules at a Glance
Sr.
No. Modules No. of
Lectures
1 Introduction of Retail Banking
15
2 Types of Retail Banks
15
3 Retail Banking Services -I
15
4 Retail Banking Challenges and Trends 15
Total 60

Page 61

Sr.
No. Modules / Units
1 Introduction of Retail Banking
Unit 1 - Introduction of Retail Banking
Introduction, History, Features, Advantages, Disadvantages, Retail
Banking as business Model, Delivery channel Strategy, Retail
banking in India, Reasons for emergence of retail banking business in
India, Distinction Between Retail and Corporate and Wholes ale
Banking
Unit 2 - Guidelines of Retail Banking
RBI Guideline, Committee on Bank supervision, Key Commitments
by banks, Credit Scoring — Concepts, Evolution of Credit Scoring,
Credit Scoring Mode, Credit Information Bureau of India Limited
(CIBIL), Issues in Credit Scoring, SARFAESI ACT, Provisions of the
Act, Securitisation, Mortgage as Security, Debt Recovery Tribunals
2 Types of Retail Banks
Unit 3 – Types of Retail Banks
Commercial Bank, Credit Unions & Cooperative Bank, regional
bank, private Bank, Post Office, Banking Codes and Standards Board
of India, Objectives of the Code, Retail Banking Activities, Scope of
Retail Banking in India.
Unit 4 - Functions of Retail banks
Three Main function Give credit, Accept Deposit, Money
Managem ent, Retail Products, Retail Products Overview, Types of
retail products, Customer Segments, Maslow 's need hierarch y and
customer requirements, Customer Requirements about Service
Quality, Customers' Requirement from Bank
Unit 5 - Development of Retail banking
Product Development Process, Strategy for Product development,
Product Life Cycle and Bank product, Product Lines of a Banker,
Product Lines of a Banker, Saving Deposits, Current Deposits, Term
Deposits and Combination Deposits, Other Services, N ew Product
Development, Stages in New Product Development, Constraints in
New Product Development,

Page 62

3 Retail Banking Services -I
Unit 6 – Introduction of Housing Finance
Introduction, Important of Housing Finance product services,
processing of housing Loan, Documents to be submitted for availing a
Home Loan, Appraisal form for a Home Loan, Stand Alone Vs.
Centralised Model for housing Loans Processing, Securitisation in
housing loan, EMI for Repayment in Retail Loan, Precautions for
obtaining equitable mortgage of immovable property.

Unit 7 – Housing Finance (Practical)
1 Mr. Ravi took a Loan of Rs. 20.00 Lacs for purchasing a flat for
self-occupation on 30/03/2000 & paid Rs. 90,000 towards Interest
during FY. 2007 -08. He had also taken a Loan of Rs. 15.00 Lacs for
purchasing another house on 30/03/2001 & paid Rs. 70,000 towards
Interest during FY. 2007 -08. The maximum amount of Interest which
he can claim as a deduction???
2) A newly constructed building stands on a plot costing Rs. 100000.
The construction cost of building is Rs. 2000000 and the estimated
life of building is 66 years. The investor wants a 5% return on land
cost and 6% return on the construction cost. Calculate the annual rent
to be charged if annual repairs cost 0.5% of cost of construction and
other outgoings equal 30% of gross rent. The co -efficient for sinking
fund at 3% for 66 years may be taken as 0.005.
Ans- Return on land cost = 5% of 100000 = 5000 Return on
construction cost = 6% of 2000000 = 120000 Total Income desired =
Rs. 125000 (a) Let gross annual rental be 'r' Outgoings: Annual
repairs = 0.5% of 2000000 = 10000 Other outgoings = 30% of r or
0.30 r Amount towards sinking fund = 0.005 x 2000000 = 10000
Hence, net income = r - 0.30 r - 20000 (b) Equating (a) and (b), 0.70r
- 20000 = 125000 0.70r = 125000 + 20000 0.70r = 1045000 r =
145000/(0.70*12) = 17261

4 Retail Banking Challen ges and Trends
Unit 8 – Challenges of Retail Banking
Money Laundering, Work Outsourcing, Recovery of retail loans,
Recovery process, Recovery agents, taking possession of property

Page 63

mortgaged / hypothecated to banks, issue in retail Banking, Skilled
human resource, the dependency on technology has brought IT
departments
Unit 9 – Retail Banking Trends
Trends in retailing, use of forum of Lok Adalat’s, It Revolution,
Multiple channels of distribution, Multiplies consumer Group,
Customer Service. Reduction Operating Cost, Internet banking,
mobile Banking.

Reference books :
 Retail banking - Macmillan
 Kem, H.J. (2005), “Global Retail Banking”
 Neetu Prakash, (2016) “Retail Banking in India”,
 DhandaPani Alagiri, (2010) “Retail Banking challenges”,
 Manoj kumar Joshi (2007) “Growth Retail Banking in India”
 Manoj Kumar Joshi (2017), “Customer Services in retail
banking in India”,.
 S. Santhana Krishnan (2017), “Role of credit information in
retail banking:,
 Sunil Kumar, (2018) “Retail Banking in Ind ia”, Hindustan
Institute of Management and Computer Studies, Mathura.
 Agarwal, O.P., Fundamentals of Retail Banking, Himalaya
Publishing House, Mumbai.

Page 64

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services )

Semester I II

with e ffect from the Academic Year 201 9 - 2020
3.4 Banking Laws & Practices - I
Modules at a Glance
Sr. No. Modules No. of
Lectures
1 The B anking regulation act
11
2 The R eserve bank of India act
12
3 Negotiable instruments act
10
4 Management of advances and
finance 12
Total 45

Page 65

Sr.
No. Modules / Units
1 THE BANKING REGULATION ACT
Important Provisions and Restriction on Advances – Characteristics
of Banking Company, Management of Banking Companies,
Constitution of Board of Directors of Banking Companies, Board of
Financial Supervision (BFS), Control over Top Management, Reserve
Bank’s Power to Control A dvances (Section 21), Critical Appraisal of
Banking Regulation Act, 1949.
2 THE RESERVE BANK OF INDIA ACT
Functions Credit Control and Power – Reserve bank of India (RBI)
Local Board, Functions of Reserve Bank of India, Central Banking
Functions, Advantages of Cash Reserves with Reserve Bank of India,
Supervisory Functions, Promotional and Developmental Functions,
Other Activities of Reserve Bank, Other Business or Functions,
Control of Credit, Methods of Credit Control, Powers of the Reserve
Bank of India, Latest RBI Policy on Licensing for Opening New
Branches, Board of Financial Supervision (BFS).
3 NEGOTIABLE INSTRUMENTS ACT
Negotiable Instruments Act - Features of a Negotiable Instrument,
Types of Negotiable Instruments, Classification of Negotiable
Instruments, Special parties to Negotiable Instruments, Negotiation
vs. Assignment.
4 MANAGEMENT OF ADVANCES AND FINANCE
Management of Advances - Meaning of Advances, Golden Rules of
Sound Lending, Forms of Advances. Loans -Merits and Demerits,
Overdraft -Merits and Demerits, Distinction between Loan and Cash
Credit, Distinction between Cash Credit and Overdraft, Types of
Loan and Advances, Restrictions on Loan and Advances, Restrictions
on Remission of Loans; Management of Finance - Features of Bank’s
Accounts, Books of Accounts, Books to be maintained by a Bank,
Specimen of Final Accounts, Particulars of Advances, Audit of Bank
Account, Statement of Advances.

Page 66

Reference books :
 Banking Law and Practice, M.L.Tannan, revised by C.R. Datta
& S.K. Kataria, Wadhwa & Company
 Seth’s Banking Law, A.B. Srivastava and K. Elumalai, Law
Publisher’s India (P) Limited
 Banking Law and Practice in 3 Vols. R.K. Gupta, Modern Law
Publications
 The Law and Practice of Banking, J.M. Holden, Universal Law
Publishing
 The Law of Banking and Bankers (1995), L.C. Goyle, Eastern
 Banking and Finance - Theory, Law and Practice, Prof. Clifford
Gomez, PHI Learning Private Limited

Page 67

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services )

Semester I II

with e ffect from the Academic Year 201 9 - 2020
3.5 Investment Banking & Mutual Funds
Modules at a Glance
Sr. No. Modules No. of
Lectures
1 Discounted Cash Flow Analysis
12
2 Leveraged Buyouts
10
3 Introduction to Mutual Funds
11
4 Classification of Mutual Funds
12
Total 45

Page 68

Sr.
No. Modules / Units
1 Discounted Cash Flow Analysis
Introduction of Cash Flow Statement - Introduction of CFS, Cash
Flow Statement Projections, Valuation Method, Advantages of cash
statement, Structure of the financial model, Calculation of module,
Output module, Forecasting Financial Statements; Introduction of
Discounted Cash Flow - Introduct ion DCF, Income Approach,
Multiple Valuation, Book Value, Financial Projections, Perform
Discounted Cash Flow Valuation, basis of DCF approach, Free cash
flows to equity, Free cash flows to firm approach., Residual value
Calculation ; Valuation of Discounte d Cash Flow - Graphical
summary of DCF approach, Discounted Cash Flow Methodology, ,
Discount rate, Final range of equity/company value, practical sums on
firm valuation, firm value & equity value.
2 Leveraged Buyouts
Leveraged Buyout - Introduction of Theory, Cash Availability,
Interest, and Debt Pay -Down, Operation Improvements, Multiple
Expansion, Exit Opportunities, Heinz a Leveraged Buyout, Book
Value, Market Value, Enterprise Value, Multiples, Three Core
Methods of Valuation; Levera ged Buyout Analysis - Purchase Price,
Sources and Uses of Funds, IRR Analysis, Exit Value, Returns to 3G
Capital Content Multiple Expansion, Debt Pay -Down, What Makes
Good Leveraged Buyout.
3 Introduction to Mutual Funds
Introduction to Mutual Fund - History & Origin, Definition,
Meaning, Characteristics, Advantages, Disadvantages, Limitations of
Mutual Funds, Ethics in Mutual Fund. Entities involved – Sponsor,
Trust, Trustee, Asset Management Company, Registrar and Transfer
Agent (RTA) and Fund Hou ses in India; Legal Framework of
Mutual Fund - Legal Framework - Role of regulatory agencies for
Mutual funds – SEBI, RBI, AMFI, Ministry of Finance, SRO,
Company Law Board, Department of Company’s affairs, Registrar of
Companies; Mutual Fund Guidelines - MF guidelines on
advertisement, Accounting, Taxation and Valuation norms,
Guidelines to purchase Mutual Funds, Investor protection and MF
regulations, Grievance mechanism in MF in India.

Page 69

4 Classification of Mutual Funds
Types of Mutual Funds - Types of Mutual Funds - (introduction and
Characteristics) Functional/Operational – Open ended, close ended,
Interval Portfolio – Income, Growth, Balanced, MMMF
Geographical/ Location – Domestic, Offshore Miscellaneous - Tax
Saving Funds, Exchange Traded Fu nds, Balance Funds, Fixed Term
Plan, Debt Funds; Portfolio in Mutual Funds - Portfolio Maturity,
Calculations of NAV, Entry Load, Exit Load, holding period return,
Systematic Investment Planning & Systematic Transfer Plan Multi
cap fund Midcap fund Sector fund and thematic fund, Step by Step
Approach of Building Model Portfolio.


Reference books :
 Leveraged Buyout - A Practical Guide to investment banking
and private equity - Paul Pignataro.
 Investment Banking - Pratap Giri
 Mutual Fund – Best Seller 18
 Indian Mutual Fund - Sunder Sankaran

Page 70

Bachelor of Vocation
(Banking & Financial Services )

Under Choice Based Credit System
Course Structure

Semester –IV
No. of
Courses Semester –IV Credits
1 General Education :
4.1 Soft Skills ( Job Preparedness Skills)
04
4.2 Balance Sheet Analysis & Taxation 04
2 E-Learning 01
3 Vocational/Skill Component :
4.3 Risk Management
04
4.4 Bank Financial Management 04
4.5 Advanced Bank Management 04
4 Experiential Learning (project / workshop /
field visit) 01
Term End Internship & Research Project 18
Total Credits 40
Award - Diploma (Banking & Financial Services)

Page 71

Page 72

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services )

Semester I V

with e ffect from the Academic Year 201 9 - 2020
4.1 Soft Skills (Job Preparedness Skills)
Modules at a Glance
Sr. No. Modules No. of
Lectures
1 Goal & Attitude Setting 10
2 Types of Goals 10
3 Process of Neural Linguistic Programing
for Goal & Attitude setting 10
4 Time Management 10
5 Effective Presentation Skills 10
6 Team Building 10
Total 60

Page 73

Sr.
No. Modules / Units
1 GOAL & ATTITUDE SETTING
Unit I – Introduction to Goals and Attitude Setting
Introduction to Goal and Goal setting. What is a SMART Goal
(Specific – Measurable – Achievable – Realistic/Relevant – Time
Bound) and e -SMART (Eco friendly SMART) Goal. Why people are
not able to set and achieve goals. Pessimistic attitude, Fear of failure,
lack of ambition, fear of rejection, procrastination, low self -esteem,
ignorance of importance of goal setting, lack of knowledg e about goal
setting
Unit 2 – Understanding the need to set goals and attitude.
Advantages of Goal setting in terms of resource organization,
measuring progress, take control of life, focus on important things,
take good decisions, being self-confident, and ensure progress. . How
to set goals. Understanding the process of identifying goals, setting &
listing objectives, developing a plan, listing the skills, resources and
manpower and benefits of goal.
2 Types of Goals
Unit 3 – Types of Goals & prioritisation of goals
Short Term, Medium Term and Long Term goals, Fixed and Flexible
Goals, Understanding unrealistic goals and how to correct it.
Unit 4 – Understanding the process of setting Goals
Use of SWOT analysis to effectively introspect and set goals.
Guidelines for setting goals, understand why goals fail. What is
written down goals, rewards process, art of believing in self, being
accountable. Goal setting guidelines of goals being conceiva ble,
believable, achievable, measurable, controllable, purposeful. Why to
do - What to do (Action Planning) - How to do (Resource
management) – Controllable and uncontrollable factors, ways to
overcome them. Personal and Professional goal setting process.

Page 74

Unit 5 – Development of Positive Mental Attitude for achieving
the desired Goals
Steps to develop Positive Mental Attitude, Process of Visualisation –
Verbalisation – Vitalisation. External and Internal Factors which
influence Goal achievement process and how to deal with it. Circle of
influence. How to help team, team members to set a nd achieve goals.
What are core beliefs and how to change/develop them.
Understanding negative belief system and how to overcome
them/change to positive belief system.
3 Process of Neural Linguistic Programing for Goal & Attitude
setting
Unit 6 – Understanding Neural Linguistic Programing (NLP)

What is Neural Linguistic Programming. Nerve communication
network in human body, Language one talks to others/self and the
operating instructions given to self to create a positive outcome.
Understanding the concept of Theory of mind, programming mind to
achieve the process of visualisation, verbalisation to achieve goals.
Understanding repeat and change programming for goal & attitude
setting.

Unit 7 – How to use NLP in achieving Goals and setting Attitudes
Understanding the techniques of using NLP to create circle of
excellence and work towards the process of achieving goals. How
NLP helps in coaching, information gathering, communicating,
motivating, influencing, developing self and others. Unde rstanding
Visual – Auditory – Kinaesthetic learning styles.
Unit 8 – Goal setting exercise and game play
Individual and Group exercise / Game play for practical
understanding the concept of goal and attitude setting.
4 Time Management
Unit 9 – Understanding Value of Time, Time wasters for efficient
Time Management
Introduction, understanding Time value, benefits of task planning,
correlating with goals set, identifying time wasters and how to avoid
them, charting logging time and prioritising activities.

Page 75

Unit 10 – Time Management Quadrant & Techniques
Understanding time management quadrant of Urgent and Important
matrix. Urgent & Important, Urgent but Not Important, Not Urgent
yet Important, Not Urgent & Not Important. Time Management
techniques of Organising/Prioritising of each of the quadrants for
efficient time management. Assessing/Reviewing of finished and
unfinished tasks. Breaking down of tasks in terms of time and
quantum. Delegation techniques. Organising work station and
resources.
Unit 11 – Time Management Skills
Understanding judicious use of time, filing and organising, How to
develop time management skills by use of Japanese principles of
SEIRI, SEITON, SEISO, SEIKETSU & SHITSUKE. Understanding
roles and responsibilities. Delegating skills. Assigning deadlines and
sticking to it. Allocation of time slots for each of the quadrants.
Involving team for working towards common goals. Setting role
models for the team. Communication, Motivating and Monitoring.
Unit 12 – Time Management Tips
Planning Key Responsibilities Area (KRA) and proper
communication with the team. Review of KRAs at periodical
intervals, Importance of Planning and re -planning at each steps as per
situation. Task plan for each day and review
Unit 13 – Exercise on Time Management
Time Management exercise / game play for understanding the
allocation of time to improve efficiency given the limited time and
resources
5 Effective Presentation Skills
Unit 13 – Introduction to basics of Presentation.
Introduction to what is a presentation, how it can be made effective.
Understand the 5 steps of presentation (PLAN, PREPARE,
PRACTICE, PRESENT, PACK). Understanding the audience,
purpose and goal of presentation, duration and location of the
presentation.

Page 76

Unit 14 – Types of presentation techniques
Use of prompts, Audio Visuals, PPTs, Fonts, Colours, images,
graphs, flip chart, clipart, Colour background and bullet points in a
slide, Ideation, improvisation, design, visual conceptualisation,
graphics, delivery rehearsal, execution. Balancing TVV (Text –
Visuals – Vocal)
Unit 15 – Dos and Don’ts during Presentation
Planning structure, presentation order, introduction, main content,
summary & wrap up, visuals, anticipating questions and preparation
of suitable answers.
Understand LAW (LOOKS – ACTIONS – WORDS) of presentation,
PACE – PAUSE – PITCH – PUNCH - POSTURE, Personal
grooming, Mudras & Gestures, Attire, Movement
Unit 16 – Exercise on Presentation skills
Practical exercise on effective presentation skills with special
attention to all the Dos and Don’ts mentioned in Unit 15
6 TEAM BUILDING
Unit 18 – Introduction to basics of Team.
Understanding TEAM (Training – Encouragement – Aim –
Motivation), Synergy, independence and interdependence.
Synchronised energy, Multiplier effect, Geometric progression,
Exponential growth, What are the benefits of a Team. Stages in team
building Forming – Storming – Norming – Perfor ming.
Unit 19 – Team Effectiveness
Understanding Team effectiveness model through shared goals, roles
assigned, procedures and methods scheduled, building relationship
and assuming leadership roles. Types of Team, Understanding
Perception Attitude and Values of team members. Clarity in Mission
– Purpose – Values – Goals. Steps to Establishing objective together,
Focus on contribution, Developing participatory role, Promote team
responsibility
Unit 20 – Understanding components of Team
Understanding Organisation of structure, Job description,
Accountabilities, Competencies, Resources mobilisation, Manpower
utilisation, Problem Solving, Decision Making, Communication of

Page 77

Reference books :

 GOALS AND ATTITUDE SETTING
 Goals by Brian Tracy
 Dynamics of achieving goals by Agarwal Radha Raman
 Personal Success by Brian Tracy
 Get Smart by Brian Tracy
 Get People Do What You Want by Hartley Gregory
 How to win friends and influence people by Dale Carnegie
 Power of positive thinking y Norman Vincent Peale
 Art of setting smart goals by Anisa Marku
 Goas setting for students by John Bishop
 How to achieve Big Phat Goals by Dean Lindsay
 Developing positive attitude by Tina Brown
 Attitude in Management by Dr Shree Raman Dubey shared goals, Managing Conflict.
Unit 21 – Group Behaviour and Grou p Dynamics of a Team:
Understanding positive relationship, mutual respect, trust, support and
inclusive involvement, value diversity, art of listening, feed backing,
dealing with disagreement. Building personal credibility, strategizing
focus, clarity of expectation, develop people and team, managing
team and awarding recognition. Edwin Lee quadrant of Life Cycle of
Team with phases of Birth – Growth – Maturity – Death with
reference to Cohesiveness & Effectiveness. Effects of Perception,
Attitude and Val ues on working of the team’s performance. How to
build team by Motivation, Unity & Diversity, Broader perspective,
Goal Orientation, Determination
Understanding the Key factors to successful performance of a team
S.C.O.R.E (STRATEGY – CLEAR ROLE & RESPONSI BILITY –
OPEN COMMUNICATION – RAPID RESPONSE)
Unit 22 – Exercise on Team Building
Exercise / Game play on team building to understand all the aspects
of team building.

Page 78

 Attitude is everything by Jeff Keller

TIME MANAGEMENT

 The 7 Habits of highly effective people by Stephen R Covey
 15 Secrets Successful People know about Time Management by
Kevin Kruse
 Time Management by Mansur Martin
 Time Management by Brian Tracey
 Time Management made Simple by Brian Tracey
 Time Management by Reuben Ray
 Time Management by Dixit Sudhir
 The checklist Manifesto – How to get things right by Atul
Gawande
 How to stop procrastinating by S J Scott
 Getting things done by David Allen

PRESENTATION SKILLS

 Smart skills Presentation b Kay Frances
 Improve your presentation skills by Navneet Mehra and Ishita
Bhown
 Professional Communication Skills by A K Jain, Dr Pravin S R
Bhatia & Dr A M Sheikh
 Corporate Soft Skills by Sarvesh Gulati
 Improve your communication skills by Daniel Burke

TEAM BUILDING

 Leadership and Team Building by Udaykumar Haldar
 100 Great Team Effectiveness Ideas by Dr Peter Shaw
 Team of Teams by Mc Chrystal General Stanley
 Team Management by Alan Clifton
 10 Steps to successful Teams by P C Wren & H Mart in
 Management Tips by Harvard Business Review

Page 79

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services )

Semester I V

with e ffect from the Academic Year 201 9 - 2020
4.2 Balance Sheet Analysis & Taxation
Modules at a Glance
Sr. No. Modules No. of
Lectures
1 Study of Balance Sheets 15
2 Ratio Analysis (Balance sheet Ratio) 15
3 Basic terms of Taxation 15
4 Computation of Total Income 15
Total 60

Page 80

Sr.
No. Modules / Units
1 Study of Balance Sheets
Objectives of Financial statement analysis and interpretation.
Steps involved in the analysis of Financial statement.
Comparatives Statements.
Common size statements
Trend analysis.
2 Ratio Analysis (Balance sheet Ratio)
Ratio analysis - Meaning and objectives & classification of ratio,
traditional classification, functional classification & classification
from the point view of users.
Balance ratios - Current ratio, Liquid ratio, proprietary ratio, stock -
working capital ratio, capital gearing ratio, debt equity, return on
capital employed ratio, return proprietor’s ratio, return on equity shar e
capital, debtors turnover ratio, Earning per share, dividend payoff
ratio, price earnings ratio.
3 Basic terms of Taxation
Unit 01 – Sec. ( 2,3 and 4)
Assessee, assessment, assessment year, annual value, business, capital
assets, income, parson, previous year, transfer.
Unit 02 – Scope of total income and residential status
Scope of total income (S:5)
Residential status for individual assessee (S:6)
4 Computation of Total Income
Unit 01 – Heads of income (S:14)
Salary
House Property
Business & Profession
Capital Gain
Other Sources
Unit 02 – Deduction From Total Income
S: 80A , 80C , 80CCC , 80D, 80DD, 80E , 80U , 80TTA
Unit 03 – Computation of Total Income

Page 81

Reference books :

 Horngren, Sundem, Elliott : Introduction to Financial
Accounting : Pearson Education : Year of Publication 2005
 I. M. Pandey : Management Accounting Vikas Publishing
House.ND
 Needles, Financial Accounting, Cengage, New Delhi
 Jawaharlal, Accounting for Management, Himalaya, Mumbai
 P Periasamy, A Text Book of Cost & Management Accounting,
Himalaya, Mumbai
 Khan and Jain, Management Accounting, Tata Mc Graw Hill ,
Delhi.
 Gupta, S.S., Vastu and Sevakar, Taxmann Publications, 2017
 Singhania, Vinod K. and Monica Singhania. Students’ Guide to
Income Tax, Uni versity Edition. Taxmann Publications Pvt.
Ltd., New Delhi.
 Ahuja, Girish and Ravi Gupta. Systematic Approach to Income
Tax. Bharat Law House, Delhi.
 Pagare, Dinkar. Law and Practice of Income Tax. Sultan Chand
and Sons, New Delhi.

Page 82

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services )

Semester I V

with e ffect from the Academic Year 201 9 - 2020
4.3 Risk Management
Modules at a Glance
Sr. No. Modules No. of
Lectures
1 Foundations of Risk Management
15
2 Capital Market Risk Management
15
3 Credit Market Risk Management
15
4 Risk Measurement
15
Total 60

Page 83

Sr.
No. Modules / Units
1 Foundations of Risk Management
Modules / Units -I
Basic risk types, the role of risk management, Enterprise Risk
Management (ERM), History of financial disasters and risk
management failures, 2007 financial crisis.
2 Capital Market Risk Management

Modules / Units -II
Equity, currencies & commodities markets in India,
Introduction to Derivatives, Forward, Future and option
contracts, Hedging through Derivatives contract, Fixed -
income securities, Fixed -income risk management through
derivatives, Rating agencies.
3 Credit Market Risk Management
Modules / Units -III
Introduction, Information required for evaluation of credit
risk, Procedure for Credit Risk Management, Credit
Lifecycle, loan Review Mechanism, RBI guidelines on Credit
Rating Framework in Banks, Introduction of Basel Norms and
calculation of capital adequacy ratio.

4 Risk Measurement
Modules / Units -IV
Estimation of volatilities and correlations (application to
volatility term structures) Monte Carlo simulations
(application to interest rate forecasting) Linear Value -at-Risk
(application to market, credit and operational risk), Option
valuation, Risk -adjusted return on capital (RAROC) & beta
calculation Risk management of derivatives (application to
convertible risk), Interest rates and measures of interest rate
sensitivity.

Page 84

Reference Books:

 Foundation of decision analysis - Ali e abbas, Risk Management -
Douglas hu bbard,
 Flaw averages - Sam savade, World class risk management -
norman marks,
 Guide to effective risk management - alex sidorenko.
 Uppal RK, Rimpi Kaur, Banking Sector Reforms in India, New
Century Publications, New Delhi
 Agarwal OP, Banking and Insurance, Himalaya Publishing
House, Mumbai
 The Indian Institute of Bankers, Modern Banking, Mumbai
 Indian Institute of Banking and Finance, Risk Management,
Mumbai

Page 85

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services )

Semester I V

with e ffect from the Academic Year 201 9 - 2020
4.4 Bank Financial Management
Modules at a Glance
Sr. No. Modules No. of
Lectures
1 International Banking Forex Business
15
2 Risk Management
15
3 Treasury Management Concepts and
function
15
4 Balance Sheet Management
15
Total 60

Page 86

Sr.
No. Modules / Units
1 International Banking Forex Business
Factors determining exchange rates, Direct and indirect quotations,
Spot / forward rates, premium and discount, cross rates, Basics of
forex derivatives; forward exchange rate contracts, Options, Swaps,
Correspondent banking, NRI accounts, Documentary letters of Credit
- UCPDC 600, various facilities to exporters and importers, Risks in
foreign trade, role of ECGC, types of insurance and guara ntee covers
or ECGC, Role of Exim Bank - Role of RBI and exchange control -
Regulations in India, Role and rules of FEDAI - Role of FEMA and
its rules,

2 Risk Management
Risk-Concept - Risk in Banks, Risk Management Framework -
Organisational Structure, Risk Identification, Risk Measurement / -
Sensitivity - Basis Point Value (BPV) - Duration - Downside
Potential, Value at Risk, Back Testing - Stress Testing, Risk
Monitoring and Control - Risk Reporting, Market Risk identification,
Measurement and management / credit risk - rating methodology, risk
weights, eligible collateral for mitigation, guarantees; credit ratings,
transition matrices, default probabilities, Credit risk spreads, risk
migration and credit metrics, Counterparty risk. Credit exposures,
recovery rates, risk mitigation techniques, Operational and integrated
Risk Management - Risk management and capital Management –
‘Basel Norms - Current guidelines on risk management.

3 Treasury Management Concepts and function
Instruments in the treasury market, Development of new financial
products, Control and supervision of treasury management, linkage of
domestic operations with foreign operations, Interest rate risk, interest
rate futures Mix / Pricing of Assets, Liabilitie s - On-Balance Sheet
Investment and Funding Strategies - Stock options, debt instruments,
bond portfolio strategy, risk control and hedging instruments,
Investments - Treasury bills, money market instruments such as CDs,
CPs, IBPs Securitisation and Forfai ting; refinance and rediscounting
facilities, Derivatives - Credit Default Swaps / Options.

Page 87

4 Balance Sheet Management
Prudential norms -Capital Adequacy, Implementation of ‘Basel Norms
guidelines : RBI guidelines, Banks Balance Sheet - Components of
assets / Liabilities / ALM Implementation, RBI Guidelines - Gap
Analysis - Mechanics, Assumptions, and Limitations - Illustrations of
Actual Gap Reports, The Relationship Between Gap and Income
Statement, Funding Liquidity - Trading / Managing Liquidity,
Contingency Funding, Business Strategies : Profit and profitability
analysis, Asset Classification - provisioning - effect of NPA on
profitability, Shareholder value maximization & EVA - profit
planning -measures to improve profitability, Disclosure guidel ines


Reference Books:

 Srivatsava, RM, Management of Financial Institutions,
Himalaya Publishing Company Ltd., Mumbai
 Khan, MY, Indian Financial System, Tata McGraw Hill
Publishers, New Delhi.
 Avadhani, VA., Treasury Management in India, Himalaya
Publis hing House, Mumbai
 The Indian Institute of Bankers, Treasury, Investment and Risk
Management, Mumbai
 Indian Institute of Banking & Finance, Treasury Management,
Mumbai
 A.K.Seth, International Financial Management, Galgothia
Publishing Company.
 Khan and Jain, Management Accounting, Tata Mc Graw Hill ,
Delhi

Page 88

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services )

Semester I V

with e ffect from the Academic Year 201 9 - 2020
4.5 Advanced Bank Management
Modules at a Glance
Sr. No. Modules No. of
Lectures
1 Economic Analysis 15
2 Stati stical tools For Data Analysis 15
3 HRM in Banks 15
4 Credit Management 15
Total 60

Page 89

Sr.
No. Modules / Units
1 Economic Analysis
The fundamentals of Economics: Scarcity and Efficiency -
Microeconomics & Macroeconomics in brief - Types of economies -
Market, Command and Mixed Economies - Macroeconomics:
Business cycles - Money and banking - Unemployment & inflation -
Interest rate determination and various types of interest rates. Indian
Economy (a) Overview of the Indian economy i ncluding recent
reforms (b) Interaction between fiscal, monetary & exchange rate
policies in India - Financial Markets (i) Money Market (ii) Capital
Market (iii) Foreign Exchange Market - globalisation and its impact -
Challenges ahead - Banking & Finance - current issues
2 Stati stical tools For Data Analysis
Sampling methods - presentation of data - analysis and interpretation
of sample data - Probability distribution - definition of probability and
basic example, Definition of Random variable and Exceptions, to find
out mean and Variance E(X) and V(X) - estimating parameters of
distribution - Linear programming - Time series analysis - mean /
standard deviation - co-relation - Regression
3 HRM in Banks
Fundamentals of HRM, development of HRM in India, Relationship
between HRM and HRD, Structure and functions of HRD, Role of
HR professional, Human implications of organizations; training and
development, attitude and soft skills development, role and impact of
training, career path planning and cou nselling, employee behaviour,
theories of motivation and their practical implications, role concepts
and analysis, self -development., Performance Management and
appraisal systems; Reward / punishment and compensation systems.,
HRM and Information Technolog y, information and data
management, knowledge management.
4 Credit Management
Principles of Credit Management Credit Appraisal Analysing
Financial Performance - Relationship between items in Balance Sheet
and Profit and Loss Account. Trend Analysis, Comparative Statement
- Common size Statement, Preparation of projected Financial

Page 90

Statements. - Ratio analysis - Interpretation and analysis of different
Ratios, Limitation of the use of ratios. Statement of Sources and
Applications of Funds. Structuring a Credit Proposal - Working
Capital Concept and Management Appraisal techniques for d ifferent
constituents - trade cycle - credit rating - Technical and economic
feasibility studies - Credit Rating - Rating Methodology - Objectives
and benefits of rating - Term Lending - Debt Service Coverage Ratio
- Cash Flow Analysis - Cash Budget - Bill Finance - Deferred
Payment Guarantee - Credit Scoring - Credit Delivery System -
Documentation - Post sanction supervision, Control and monitoring
of credit - Consortium finance, Multiple banking, Syndication of
loans. Infrastructure financing. Dealing wi th credit defaults, Stressed
assets, Corporate Debt restructuring, SARFAESI, NPAs, recovery
options, write -off. Disclosure of the list of defaulters: objectives and
procedure. Appraisal methodology for different type of clients /
products.

Reference Books:

 Dean,Joel: Managerial Economics, PHI., New Delhi
 DN Dwidvedi, Managerial Economics, Vikas, New Delhi
 Trivedi M.L: Managerial Economics, Theory and Applications,
TMH,ND
 K.V.Sivayya and K.Satya Rao Business Mathematics
 Anand Sharma, Quantitative Techniques for Decision Making,
Himalaya, Mumbai
 DK Tripathi, Human Resource Management: Text & Cases,
Wisdom, Delhi
 N.K.Singh / Human Resource Management, Excel Publications
 P.S Rao , Essentials of Human Resource Managemen & IR,
Hima liya ,Mumbai
 R.Wayne Mondy and Robert M.Noe, Human Resource
Management, Pearson

Page 91

Bachelor of Vocation
(Banking & Financial Services )

Under Choice Based Credit System
Course Structure




(To be impl emented from Academic Year - 2020 -2021 )
No. of
Courses Semester – V Credits No. of
Courses Semester –VI Credits
1 General Education : 1 General Education :
5.1 Human Resource
Management
04 6.1 Business Ethics &
CSR
04
2 E-Learning 01 2 E-Learning 01
3 Vocational/Skill Component : 3 Vocational/Skill Component :
5.2 Trade Finance
03 6.2 Co-operative Banking
& RRB’s 04
5.3 Digital Banking 03 6.3 Entrepreneurship
04
5.4 Introduction to
Bancassurance 04 6.4 Banking Laws &
Practices - II
04
5.5 Customer Relationship
Management 04 6.5 Marketing of
Financial Products
04
4 Experiential Learning
(project / workshop /
field visit) 01 4 Experiential Learning
(project / workshop /
field visit) 01
Term End Internship &
Research Project 18
Total Credits 20 Total Credits 40
Award - Degree (Banking & Financial Services)
T.Y.B.VOC

Page 92

Bachelor of Vocation
(Banking & Financial Services )

Under Choice Based Credit System
Course Structure

Semester –V
No. of
Courses Semester –V Credits
1 General Education
5.1 Human Resource Management
04
2 E-Learning 01
3 Vocational/Skill Component
5.2 Trade Finance
03
5.3 Digital Banking 03
5.4 Introduction to Bancassurance 04
5.5 Customer Relationship Management 04
4 Experiential Learning (project / workshop /
field visit) 01

Total Credits 20

Page 93

Page 94

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services)

Semester V

with e ffect from the Academic Year 2020 – 2021
5.1 Human Resource Management
Modules at a Glance
Sr. No. Modules No. of
Lectures
1 Introduction to HRM
15
2 Job analysis & Development
15
3 Performance Appraisal & Development
15
4 Participative Management & Trade
Unions 15
Total 60

Page 95

Sr.
No. Modules / Units
1 Introduction to HRM
Definition, Features, Scope/Functions of HRM, Definition of
Personnel Management, Difference between HRM and PM,
Challenges before the HR manager, Role of HR manager, Traits/
characteristics of the workplace; Human Resource Planning -
Definitions of HRP, Process of HRP along with brief coverage of
personnel demand and supply forecasting techniques, Promotions and
transfers.
2 Job analysis & Development
Job analysis, Job Design and Job Evaluation - Job analysis -
definition, methods of collecting data, merits and demerits ;
Recruitment and Selection - Recruitment - Definitions, sources of
recruitment, merits and demerits, Selection - definition, process of
selection, types of selection tests, types of interviews; Training and
Development - Definition of Training and Development, Methods of
training managers, Process/ procedure of conducting training
programme.
3 Performance Appraisal & Development
Performance Appraisal - Definition of Performance Appraisal,
Methods of appraisal for managers - traditional and modern; Career
Planning and Development - Definitions of Career Planning and
Development , Process/ procedure of career planning , Career stages/
Career Life Cycle and han dling personnel at each stage
4 Participative Management & Trade Unions
Participative Management - Definition of Participative Management,
Factors essential for successive participative management, Forms of
participation, Participation through Quality Circles, Empowered
Teams; Industrial Relations - Definitions of Industrial Relations,

Page 96

Features of Industrial Relations, Importance of Industrial Relations,
Approaches to Industrial Relations, Parties to Industrial Relations;
Trade Unions - Definitions Of Tra de Unions, Features Of Trade
Unions, Trade Union Movement In India, Trends In Trade Unions,

Reference books :
 Aswathappa, K: Human Resource and Personnel Management:
Text and Cases, Tata McGraw Hill
 Sadri, Jayshree and Sadri, Sorabh : A Strategic Approach to
Human Resource Management, Jaico Publishing House
 Mamoria: Personnel Management, McGraw Hill - International
Armstrong.
 Michael: Handbook of Human resource Management Practice,
Kogan Page

Page 97

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services)

Semester V

with e ffect from the Academic Year 2020 – 2021
5.2 Trade Finance
Modules at a Glance
Sr. No. Modules No. of
Lectures
1 Uniform Customs & Practice for
Documentary Credit (UPCDC 600)
12
2 Terms of Trade & INCO Terms
12
3 Finance to Exporters to Importers
11
4 Documents used in TF, Risks and
Mitigation in Foreign Trade
10
Total 45

Page 98

Sr.
No. Modules / Units
1 Uniform Customs & Practice for Documentary Credit
(UPCDC 600)
a. Refresher to UPCDC 600
b. Different Types of LCs
c. Parties to LC
d. Articles of UCPDC
2 Terms of Trade & INCO Terms
a. Introduction to INCO Terms
b. INCO Terms 2020
c. Terms of Trade
3 Finance to Exporters to Importers
a. Export Finance – Pre-Shipment & Post Shipment Credit
b. Import Finance
4 Documents used in TF, Risks and Mitigation in Foreign
Trade
a. Bill of Exchange, Invoice, Bill of Lading, Airway Bill,
Insurance
b. Risks in Trade Finance

Page 99

Reference books :
 International Trade Finance by Indian Institute of Banking &
 Finance
 A Complete Guide to Letters of Credit and the UCP Rupnarayan
Bose
 International Finance: Business Perspective, Apte, P. G. Tata
McGraw Hill (TMH)
 Accounting & Finance For Bankers by IIBF, Indian Institute Of
Banking & Finance(IIBF), Macmillan Indian Limited New
Delhi
 Practitioners’ Book On Trade Finance, Taxmann, axmann
Publication Pvt. Ltd.

Page 100

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services)

Semester V

with e ffect from the Academic Year 2020 – 2021
5.3 Digital Banking
Modules at a Glance
Sr.
No. Modules No. of
Lectures
1 Internet Banking
12
2 Marketing of Digital Banking Products
12
3 Cards
11
4 Cash Deposit Machines
10
Total 45

Page 101

Sr.
No. Modules / Units
1 Internet Banking
Overview and Brief History , Products Features , Corporate and
Individual Internet Banking Integration with e -Commerce Merchant
sites, Profitability of Internet Banking , Risk Management and
Frauds , Back End Operations and Technology ; POS Terminals -
Overview and Brief History , Products Features , Approval processes
for POS Terminals , Profitability of POS business Risk Management
and Frauds , Back End Operations and Technology ; Branchless
Banking - Introduction, Objectives , Financial Inclusion - Logic and
Logistics , Vehicles for Financial Inclusion , Business
Correspondents /Business Facilitators , Digital Banking Products for
Financial Inclusion
2 Marketing of Digital Banking Products
Introduction, Objectives , Product Planning , Structure for Marketing
Digital Banking Products , Sales delivery to customers , Concept of e-
Galleries , After Sales service to customers , Marketing to Financial
Inclusion , Dangers of Mis -selling , Use of analytics in marketing
Digital Banking Products ; Payments Systems - Overview of global
payment system, Overview of domestic payment systems , Rupa y and
Rupay Secure , Immediate Payment Service (IMPS) , National Unified
USSD Platform (NUUP) , National Automated Clearing
House(NACH) , Aadhaar Enable Payment System (AEPS) e -KYC ,
Cheque Truncation System (CTS) , National Financial Switch (NFS) ,
RTGS , NEFT , Forex Settlement , Securities Settlement , Innovative
Banking & Payment System ; Digital Banking Products -
Introduction, Need for Digital Banking Products, Customer Education
for Digital Banking Products
3 Cards
Overview and brief history, Various types of Cards, Product Features;
EMV Technology - New Technologies -Tap and Go, NFC, Approval
process for cards, Profitability of Cards, Back end operation,
Recovery and Follow -up; ATMs - Overview and Brief History,
Produc t Features, Instant Money Transfer Systems, Various Value -
Added Services (e.g. Bill payments, donations), Proprietary, Brown

Page 102

Label and White Label ATMs, ATM Network Planning - onsite and
offsite, Security and Surveillance of ATM sites, Profitability of
ATM s, Risk Management and Frauds, Back End Operations and
Technology.
4 Cash Deposit Machines
Overview and Brief History, Product Features, CDM Network
Planning - onsite/offsite, Profitability of CDMs, Risk Management
and Frauds, Back end Operations and Technology; Cash Re -Cyclers -
Overview, Product Features, Risk Management and Frauds, Back end
operations a d Technology; Mobile Banking - Overview and Brief
History, Product Features and Diversity, IMPS, Profitability of
Mobile Banking, Risk Management and Frauds , Back End Operation
and Technology.

Reference books :
 Uppal RK, Banking with Technology, New Century
Publications, New Delhi
 Murdick RG, Ross JHE and Clagget JR, Information System for
Modern Management, Prentice Hall of India, New Delhi
 Khan M.Y., Indian Financial System, Tata McGraw Hill
Publishing Company Ltd., New Delhi
 Vasantha Desai, Indian Banking -Nature and Problems,
Himalaya Publishing House, Mumbai.
 Uppal RK, Pooja, Transformation in Indian Banks -Search for
Better tomorrow, Sarup Book Publishers Private Ltd., New
Delhi
 Kaptan SS, Indian Banking in Electronic Era, New Century
Publications, New Delhi

Page 103

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services)

Semester V

with e ffect from the Academic Year 2020 – 2021
5.4 Introduction to Bancassurance
Modules at a Glance
Sr.
No. Modules No. of
Lectures
1 Introduction to Life Insurance 15
2 Introduction to Health Insurance 15
3 Introduction to Home and Motor
Insurance 15
4 Role of Insurance in Logistic 15
Total 60

Page 104

Sr.
No. Modules / Units
1 Introduction to Life Insurance
Unit 1 - Life Insurance Business
What Is Insurance, Life Insurance Terminologies, The Insurance
Ecosystem, Components, Human Life Value Approach, Mutuality,
Principle of Risk Pooling, Life Insurance Contract, Determinants of
Risk Premium
Unit 2 - Life Insurance Products – Part 1
Introduction of life insurance plans - Traditional Life Ins urance Plans
– Term Plans, Whole Life Insurance, Endowment Assurance,
Dividend Method of Profit Participation Purpose of plans, Riders in
plan - Introduction, Forms and procedures, Underwriting, Products of
LIC & Private Players.
Unit 3 – Life Insurance Products – Part 2
Introduction to Linked Insurance Plans, Net Asset Value (NAV),
IRDAI Product Regulations, Underwriting, Products of LIC & Private
Players .
2 Introduction to Health Insurance
Unit 4 - Health Insurance
Introduction to Health Insurance, determinants of Health Insurance,
The Health Insurance Contract, Health Insurance Market in India and
determinants of Risk Premium.
Unit 5 - Health Insurance Products
Introduction and Forms and Procedures of Hospitalization, Indemnity
Products, Benefit Plans, top up covers, cashless insurance, Senior
citizen plans, critical illness plans and Micro Insurance, Underwriting,
Products of Govt. & Private Players.
3 Introduction to Home and Motor Insurance
Unit 6 – Home Insurance
Products of Govt. & Private Players – Introduction, Forms and
Procedures, Inclusions and Exclusions in policies, Determinants of
Risk Premium and Impact of Catastrophes on Home Insurance.

Page 105

Unit 7 – Vehicle Insurance
Types of motor vehicles, Forms and Procedures, Determinants of
Risk Premium, Inclusions and Exclusions, Underwriting, Key aspects
of Motor Vehicles Act 1988/2019, Products of Govt. & Private
Players.

4 Role of Insurance in Logistic
Unit 8 – Role of Insurance in Logistic
Meaning &Importance, Hazards, Protection, Social Security – Type
of Risks and Accidents.
Unit 9 – Fire Insurance
Products of Govt. & Private Players – Introduction, Forms and
Procedures, Standard Fire and Special Perils Policy, Inclusions,
Exclusions, Add on Riders, Special Policies – Reinstatement Value –
Declaration Policy – Floater Declaration Clause – Fire Hazards,
Underwriting Tariff system.

Reference books :

 Agarwal, OP, Banking & Insurance, Himalaya Publishing
House, Mumbai
 George E Rejda, Principles of Risk Management & Insurance,
Pearson Education, New Delhi
 Balachandran S., General Insurance, Insurance Institute of India,
Mumbai
 Arthur C., William Jr., Michael Smith, Peter Young, Risk
Management and Insurance, Tata McGraw Hill Publishing
Company, New Delhi
 Tripathy Nalini Prava & Prabir Pal, Insurance Theory &
Practice, Prentice Hall of India POvt. Ltd., New Delhi
 Balachandran S., Life Insurance, Insurance Institute of India,
Mumbai

Page 106

Syllabus of Courses of Bachelor of Vocation
(Banking & F inancial Services)

Semester V

with e ffect from the Academic Year 2020 – 2021
5.5 Customer Relationship Management
Modules at a Glance
Sr.
No. Modules No. of
Lectures
1 Introduction
15
2 Customer Satisfaction
15
3 CRM - Emerging Dimensions
15
4 Customer Care Management
15
Total 60

Page 107

Sr.
No. Modules / Units
1 Unit I: Introduction

Introduction to CRM, Historical perspective of CRM: Meaning,
defin ition, purpose and significance, Advantages of CRM ,
Disadvantages of CRM , Relationship marketing - concept, purpose,
value creation in business
2 Unit II: Customer Satisfaction

Customer Satisfaction: Mea ning, Definition, Significance,
Comp onents of Customer Satisfaction, Customer Satisfaction Models,
Rationale of Customer Satisfaction.
3 Unit III: CRM - Emerging Dimensions

Customer Retention Management , Reasons for Customer Switching ,
Need for Customer Retention , Customer Complaint Management
Strategy .
4 Unit IV: Customer Care Management

Customer Service Representative, Customer Care Software, Customer
Service Application, Customer Facilities, Multimedia Contact Centr e,
Electronic Point Of Sale, Winning Strategies And Processes For
Effective CRM.

Reference books :
 Alok Kumar Rai : Customer Relationship Management:
Concepts and Cases (Second Edition) -PHI Learning
 Simon Knox, Adrian Payne, Stan Maklan: Customer
Relationship Management - Routledge Inc.
 Bhasin - Customer Relationship Management (Wiley
Dreamtech)

Page 108

Bachelor of Vocation
(Banking & Financial Services )

Under Choice Based Credit System
Course Structure

Semester –VI

No. of
Courses Semester –VI Credits
1 General Education
6.1 Business Ethics & CSR
04
2 E-Learning 01
3 Vocational/Skill Component
6.2 Co-operative Banking & RRB’s 04
6.3 Entrepreneurship
04
6.4 Banking La ws & Practices - II
04
6.5 Marketing of Financial Products
04
4 Experiential Learning (project / workshop /
field visit) 01
Term End Internship & Research Project 18
Total Credits 40
Award - Degree (Banking & Financial Services)

Page 109

Page 110

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services)

Semester VI

with e ffect from the Academic Year 2020 – 2021
6.1. Business Ethics and CSR
Modules at a Glance
Sr.
No. Modules No. of
Lectures
1 Introduction to Business Ethics
15
2 Indian Perspective of Ethics
15
3 Corporate Governance
15
4 Concept of CSR and CSR in Society
15
Total 60

Page 111

Sr.
No. Modules / Units
1 Introduction to Business Ethics
Normative Ethics, Perspective Ethics and Applied Ethics , Ethics,
Morality and Legality, Concept of Right and Duty: Business - Western
and Indian Perspectives, Definition and Scope Relevance in Social
Changes, Ethical Organism and Corporate Code of Conduct, Business
Ethics -Conceptual Background, Conceptua l Approaches to Business
Ethics.
2 Indian Perspective of Ethics
Purusharthas: Dharma, Artha, Kama, Mokhsha , Concept of Dharma,
Ethics: A Global Perspective, Ethics in Global Marketing and
Advertising, Ethical Perspective in Employment Including
International Labour Organization Standards.
3 Corporate Governance
Corporate Governance: Meaning, scope and reporting, The Agency
Theory: Principal -Agent Relationship, Role of CEO, Board and
Senior Executives, Right of Investors and Shareholders.
4 Concept of CSR and CSR in Society
Meaning and Scope of CSR, Relevance and Significance of CSR in
Contemporary Society, Value Approach to CSR, CSR: Within the
Organization, Role and Responsibility of Local Community in
Business, Interventions of Business to fulfil social responsibilities,
Role of NGOs and International Agencies in CSR Integrating CSR
into Business.

Reference books :

 William Lillie, “An Introduction To Ethics”, Universal
Paperbacks
 R.M. Lala , “In Search of Ethical Leadership”, Vision Books Pvt.
Ltd.
 Joseph Des Jardind, “An Introduction to Business Ethics”, Tata
McGraw Hill, 2nd Edition, 2009 .

Page 112

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services)

Semester VI

with e ffect from the Academic Year 2020 – 2021
6.2 Co -operative Bankin g & RRB’s
Modules at a Glance
Sr.
No. Modules No. of
Lectures
1 Introduction of Banking System
15
2 Types of Banks
15
3 Functions of Cooperative Banks and
Regional Rural Banks
15
4 Rural and Semi Urban banking challenges
and trends
15
Total 60

Page 113

Sr.
No. Modules
1 Introduction of Banking System
Unit 1 – Introduction of Banking System with special
reference to Cooperative Banks & Regional Rural Banks

Introduction, History, Origin of Co-operative Banks, Regional
Rural Banks in India , Features, Advantages, Disadvantages,
Cooperative Banks and Regional Rur al Banks in Rural and
Semi Urban areas as business Model, Reasons for emergence
of Cooperative Banks and Rretail banking business in India,
Distinction between Cooperative Bank and Regional Rural
Bank..
Unit 2 – Guidelines of Banking System with special
reference to Co -operative Banking and Regional Rural
Banking
RBI guidelines for Cooperative Credit Societies and Regional
Rural Banks. Committee on Cooperative Credit Societies and
Regional Rural Banks supervision, Key guidelines on credit
dispensation by Cooperative Credit Societies and Regional
Rural Banks. Issues in Credit appraisal, monitoring, recovery,
SARFAESI ACT, Provisions of the Act, Securitisation,
Mortgage as Security, Debt Recovery Tribunals with special
reference to Cooperative credit soci eties and Regional Rural
Banks.
2 Types of Banks
Unit 3 – Types of Banks in the rural & semi urban set up
Rural and semi urban branches of Commercial Bank, Credit
Unions & Cooperative Bank, regional bank, private Bank,
Post Office, Banking Codes and Standards Board of India,
Objectives of the Code of conduct for Cooperative Banks and
Regional Rural Banks.

Page 114

3 Functions of Cooperative Banks and Regional Rural
Banks

Main function disburse credit, Accept shares / Deposit, Cash
Management , Customer Segments, meeting customer
requirements, Customer Service Quality, Inclusive Banking,
Knowledge Centres, .
Unit 4 – Development of Cooperative Banks and Regional
Rural Banks
Structure, Role and delegations of the Cooperative Bank and
the Regional Rural Banks for development of a strong
banking system in the rural and semi urban areas. Other
services rendered by them.
4 Rural and Semi Urban banking challenges and trends
Unit 5 – Challenges of Rural and Semi Urban banking
Money Laundering, Work Outsourcing, Recovery of loans
and advances, Recovery process, Recovery agents, taking
possession of property mortgaged / hypothecated to banks,
issues in recovery processes, l ack of skilled human resource,
technological advances and its adoption.
Unit 6 – Rural and Semi Urban banking trends

Trends in rural and semi urban areas affecting banking
system. Use of Lok Adalat’s, DRT, Recovery Act,
Technological Developments.

Page 115

Reference books :

 RRBs in India by Meenu Agarwal
 RRBs and Rural Development by Dr Subbarayadu and Prof. P
Mohan Reddy
 Co-operative Banking by MacMillan
 Impact of economic reforms on co -operative movement in India
by Ugra MohanJha and Naresh Jha
 RRBs of India : Evolution performance and management by
Jitendra Kumar Ram
 RRBs and Economic Development by Anil Baburao
Kalkundrikar
 Role of RRBs in economic development by Dr Tasi Kaye

Page 116

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services)

Semester VI

with e ffect from the Academic Year 2020 – 2021
6.3. Entrepreneurship
Modules at a Glance
Sr.
No. Modules No. of
Lectures
1 Introduction to Entrepreneurship
15
2 Entrepreneurial Development
15
3 Entrepreneurial Project Development
15
4 Small and Medium Enterprises (SMEs)
15
Total 60

Page 117

Sr.
No. Modules / Units
1 Introduction to Entrepreneurship
Concept, meaning and definition of entrepreneur and
entrepreneurship ; Importance and significance of growth of
entrepreneurial activity ; Concept of entrepreneur ; Characteristics and
qualities of entrepreneurs ; Classification and types of
entrepreneurship
2 Entrepreneurial Development
Factors influencing entrepreneurial development and motivation ; Role
of culture in entrepreneurial development ; Entrepreneurial
Development Programme (EDP), managing the problems faced by
entrepreneurs ; Development of women entrepreneurs with reference
to SHGs ; Options available to entrepreneurs - ancillarisat ion
franchising and outsourcing; Cases on takeover, mergers and
acquisitions in India and at global level
3 Entrepreneurial Project Development
Entrepreneurial Project Development ; Idea Generation - sources and
methods ; Identification and Classification of ideas ; Environmental
scanning and SWOT analysis ; Preparation of project plan -points to be
considered ; Components of an ideal business plan -marke t plan,
financial plan, operational plan and HR plan
4 Small and Medium Enterprises (SMEs)
Meaning, definition and evolution of SMEs ; Role and importance of
SMEs ; Policies governing SMEs ; Organizational structure ; Steps in
setting up a small unit

Page 118

Reference books :

 Dr. Vasant Desai, “Small scale industries and entrepreneurship”,
Himalayan Publishing House
 S.K. Mohanty, “Fundamentals of Entrepreneurship”, Prentice
Hall of India
 Entrepreneurship by Hisrich Robert D/ Peters Micheal New
Delhi / Tata McGraw Hill /2002
 Entrepreneurial Management by P.N. Singh / J. C. Saboo Dr. P.
N. Singh Centre for HRD
 Entrepreneurial Development by Colombo Plan, New Delhi,
Tata McGraw Hill, 1998
 Entrepreneurial Development by Vasant Desai (3 Volumes)
Himalayan Pub House

Page 119

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services)

Semester VI

with e ffect from the Academic Year 2020 – 2021
6.4 Banking Laws and Practices - II
Modules at a Glance
Sr.
No. Modules No. of
Lectures
1 Legal Aspects of Banking Operations 15
2 Banking Related Laws 15
3 Banker - Customer Relations 15
4 Emerging Issues and Ethics & Corporate
Governance in Banks 15
Total 60

Page 120

Sr.
No. Modules
1 Legal Aspects of Banking Operations
Case Laws on Responsibility of Paying and Collecting Banker
Indemnities or Guarantees - Scope and Application – Obligations of a
Banker - Precautions and Rights - Laws relating to Bill Finance, LC
and Deferred Payments - Laws Relating to Securities - Valuation of
Securities - Modes of Charging Securities - Lien, Pledge, Mortgage,
Hypothecatio n etc. - Registration of Firms/Companies - Creation of
Charge and Satisfaction of Charge.
2 Banking Related Laws
Law of Limitation - Provisions of Bankers Book Evidence Act -
Special Features of Recovery of Debts Due to Banks and F inancial
Institutions Act, 1993, Asset Reconstruction Companies, The
Securitization and Reconstruction of Financial Assets and
Enforcement of Security Interest Act, 2002, The Consumer Protection
Act, 1986, Lender’s Liability Act.
3 Banker - Customer Relat ions
Legal character, Contract between banker and customer, Banker’s
lien, Protection of bankers, Customers, Special classes of customers
– lunatics, minor, partnership, corporations, local authorities, Banking
duty to customers, Consumer protection : banking as service .
4 Emerging Issues and Ethics & Corporate Governance in
Banks
Unit 1 - Financial System Contemporary and Emerging
Issues: An Overview
Introduction; Role of Financial System; Capital Flow Through
Intermediary Financial Institutions; Direct Capital Flow; Primary
Market Products; Primary Market Issue Facilitators; Secondary
Market; Economic Importance of Financial Markets.
Unit 2 - Ethics and Corporate Governance in Banks
Ethics and Business, Corporate Governance, Corporate Social
Responsibility, Governance in Financial Sector.

Page 121

Reference books :
 Banking Law and Practice, M.L.Tannan, revised by C.R. Datta
& S.K. Kataria, Wadhwa & Company
 Seth’s Banking Law, A.B. Srivastava and K. Elumalai, Law
Publisher’s India (P) Limited
 Banking Law and Practice in 3 Vols. R.K. Gupta, Modern Law
Publications
 The Law and Practice of Banking, J.M. Holden, Universal Law
Publishing
 The Law of Banking and Bankers (1995), L.C. Goyle, Eastern

Page 122

Syllabus of Courses of Bachelor of Vocation
(Banking & Financial Services)

Semester VI

with e ffect from the Academic Year 2020 – 2021
6.5 Marketing of Financial Products
Modules at a Glance
Sr.
No. Modules No. of
Lectures
1 Categories of Financial Products
15
2 Marketing Strategy
15
3 Product and Promotion Strategy
15
4 Regulations Governing Financial Services
Marketing
15
Total 60

Page 123

Sr.
No. Modules
1 Categories of Financial Products
a. Bank Products
b. Insurance Products
c. Mutual Funds
d. Pension Plans

2 Marketing Strategy
a. Marketing as a Management Function
b. Market Research
c. Market Segmentation

3 Product and Promotion Strategy
a. New Product Development
b. Life cycle planning
c. Distribution Strategy
d. Channel Strategy

4 Regulations Governing Financial Services Marketing
Ethics in Marketing of Financial Services


Reference books :
 Marketing of Financial Services – Gordon & Natarajan
 Marketing of Financial Products and Services – R B Solanki &
Dr Rajeswari Malik
 Sherlekar S.A.,& Krishnamoorthy, R, Marketing Management -
Concepts and Cases, Himalaya Publishing House, Mumbai
 Ram amohanarao, K, Services Marketing, Pearson Education,
NewDelhi
 Ramaswamy and Namakumari, Marketing Management,
McMillan, Mumbai

Page 124

Proposed Syllabus for Approval
[Under Choice Based Credit System]

Bachelor of Vocation (Banking & Financial Services)
Scheme of Evaluation

The performance of the learners will be evaluated in two components. One component
will be the Internal Assessment component carrying 25% marks and the second
component will be the Semester End Examination component carrying 75% marks.

A Internal Assessment:
The Internal Assessment will consist of one class test of 25 marks for each course
excluding projects & Internship. The question paper pattern will be as shown below:


Question Paper Pattern
(Internal Assessment)

Maximum Marks: 25 marks
Duration: 30 min

Sr. No. Particulars Marks

1 Assignment / Internal Class Test

Objective Questions
Students to answer 10 questions out of 10 questions.
(Multiple choice/ True or False/ Match the columns/ Fill in
the blanks/Concepts)

Concept based short questions
Students to answer 02 questions out of 03 questions.


10




10

2 Active participation in routine class intructional deliveries
and overall conduct as a responsible learner, mannerism
and articulation and exhibit of leadership qualities in
organising related academic activities and anttendance 5


B Semester End Examination
The Semester End Examination will consist of 75 marks for each course excluding
projects & Internship. The question paper pattern will be shown as below:

Page 125

Question Paper Pattern
(Semester End Examination - Theoritical Course)

Maximum Marks: 75 marks
Duration: 2 1/2 Hours

All Questions are Compulsory Carrying 15 Marks each.

Q. No. Particulars Marks
Q.1 Full length question
OR
Full length question 15
Q.2 Full length question
OR
Full length question 15
Q.3 Full length question
OR
Full length question 15
Q.4 Full length question
OR
Full length question 15
Q.5 Objective Question
(Multiple Choice/ True or False/ Fill in the Blanks/ Match
the Columns/ Short Questions.)
OR
Short Notes (Any three out of five) / Case study or
application based questions 15

Note:
Full length question of 15 marks may be divided into two sub questions of 08 and
07 marks or three subquestions of 5 marks each.

Page 126

Question Paper Pattern
(Semester End Examination - Practical Course)

Maximum Marks: 75 marks
Duration: 2 1/2 Hours

All Questions are Compulsory Carrying 15 Marks each.

Q. No. Particulars Marks
Q.1 Practical Question
OR
Practical Question 15
Q.2 Practical Question
OR
Practical Question 15
Q.3 Practical Question
OR
Practical Question 15
Q.4 Practical Question
OR
Practical Question 15
Q.5 Objective Question
(Multiple Choice/ True or False/ Fill in the Blanks/ Match
the Columns/ Short Questions.)
OR
Short Notes (Any three out of five) 15

Note:
Practical question of 15 marks may be divided into two sub questions of 08 and
07 marks or three subquestions of 5 marks each.

C Evaluation Scheme for E -Learning/Project/ Workshop/ Field Visit.

There will not be any internal or external assessment for E -Learning/Project/
Workshop/ Field Visit. It will be converted to grades in the mark sheet. There are two

Page 127

modes of preparation of project work viz. a) For E -Learning students have to prepare
Project Work based on online study.
b) For Experiential Learning students have to prepare Project Work based on study
in area of vocational courses.


The project could include any hard and / or soft copy form in which topic related to
respective course should be covered.



D Evaluation pattern of the project work based on internship in the study area

The internship will be for minimum of 34 days/ 270 hours with an Organisation/ NGO/
Charitable Organisation/ Private firm. There will not be any internal or external assessment
for Internship as it will be converted to grades in the mark sheet.


E Standard of Passing
Standard of Passing for Internal, Semester End Examination & Project work are as
follows :

The learner to pass a course shall have to obtain a minimum of 40% marks in
aggregate for each course where the course consists of Internal Assessment &
Semester End Examination. The learner shall obtain minimum of 40% marks (i.e. 10
out of 25) in the Internal Assessment and 40% marks in Semester End Examination
(i.e. 30 out of 75) separately, to pass the course and minimum of Gra de D in the
project component, wherever applicable to pass a particular semester. A learner will
be said to have passed the course if the learner passes the Internal Assessment &
Semester End Examination together.






F Allowed to Keep Terms (ATKT)
1) A learner shall be allowed to keep term for Semester II irrespective of number of
courses of failure in the semester I.
2) A learner shall be allowed to keep term for Semester III if he/she passes each of
the semester I and Semester II OR a learner fails in not more than two courses of
Semester I and not more than two courses of Semester I & Semester II.

Page 128

Under CBCS (75:25) Pattern for B.Voc.
EXAM PATTERN FOR A.T.K.T. EXAMINATION
In the event of learner not passing in a particular course whether in internal assessment or in
semester end examination or both in a particular subject, the learner shall be allowed to keep
terms and reappear for the particular subject in the following pattern:
1. A.T.K.T. in Internal Assessment (25 marks)

In this case, the learner shall be given a project by the concerned teacher on a topic from the
syllabus. The project shall carry 25 marks (10 marks for the hardcopy of the project, 10 marks
for the viva of the project and 5 marks for presentation). If the learner scores a minimum of 10
marks out of 25 marks (40%) he/she passes the examination an d shall be issued an A.T.K.T.
mark sheet.
If the leaner fails to score a minimum of 10 marks out of 25 marks (40%) he/she gets another
attempt to pass the internal assessment in the same pattern as above. The process continues
until 3 ATKT attempts only. The learner must be issued the mark sheet for all the attempts.
If the learner fails the third A.T.K.T. attempt also, he/she fails the entire semester and shall
reappear all the subjects in that particular semester including internal assessment and
semester end examination for all the subjects.
2. A.T.K.T. in External Examination (75 Marks)

In this case, the learner shall be given 3 attempts to pass the examination. The paper pattern
shall be the same as in the semester end examination. If the learner scores a minimum of 30
marks out of 75 marks (40%) he/she passes the examination. In case of failure/re -appear
category the Internal Assessment earned by the candidate as a regular student shall be carried
forward to the subseq uent examination. If the learner fails in the third A.T.K.T. attempt also,
he/she fails the entire semester and shall reappear all the subjects in that particular semester
including internal assessment and semester end examination for all the subjects.
3. A.T.K.T. in Project Work (Graded Subject)
If the learner has a ATKT in Project work, the learner will have to either redo the project
allotted to him/her or will be given a new project topic. If, the project is satisfactory, the
learner may be given adequate marks which will be converted to grades in the mark sheet.
The project shall carry 100 marks (60 marks for the hardcopy of the project, 30 marks for the
viva of the project and 100 marks for presentation). If the learner scores a minimum of 40

Page 129

marks out of 100 marks (40%) he/she passes the examination and shall be issued an A.T.K.T.
marks sheet.
If the learner fails to score a minimum of 40 marks out of 100 marks (40%) he/she gets
another attempt to pass in the subjects in the same pattern as above. The process continues
until 3 ATKT attempts only. The learner must be issued the mark sheet for all the attempts.
If the learner fails the third A.T.K.T. attempt also, he/she fails the entire semester and shall
reappear all the subjects in that particular semester including internal assessment and
semester end examination for all the subjects.
4. A.T.K.T. in Internship
In the event of a learner getting an ATKT in Internship, the learner will have to redo the
component on which he is failing to get the marks.
Thus, if the learner has failed to submit the report or has not made it up to the mark, he shall
redo the report and resubmit the same.
If the learner, fails to present the report, he shall re present the same.
If the learner's viva is no satisfactory, the viva shall be conducted again.

Similarly, if learner's feedback is negative or if he fails to complete his/her internship for the
specified time period, he will have to be engaged in an internship for a minimum period of 20
days or as required by the individual case.