Short Term Course in Banking

To equip participants with the knowledge of financial products, loan processes, credit assessment, and bank financing norms.

1. Functioning

What is banking and Role of banks in the Bank finance
Various Aspects of Banking
Function of Banking
Types of bank finance (fund-based & non-fund-based)
Preparation of Information Memorandum
Project Financing
Working Capital Finance (Including CMA Preparation, Ration Analysis, Risk Assessment)

2. Types of Bank Credit

Working Capital Finance (CC/OD limits)
Term Loans
Bill Discounting
Project Finance
Trade Finance (LCs, Bank Guarantees)
Factoring
E- GST based funding
CGTSME
Mudra Loan
Gold Loan

3. Credit Appraisal Process

Loan application and documentation
Financial statement analysis
Ratio analysis (Current ratio, DSCR, etc.)
Assessing repayment capacity

4. Collateral and Securities

Primary vs. collateral security
Types of collateral (property, FD, shares, etc.)
CIBIL and credit scoring

5. Types of Bank Credit

RBI guidelines on credit
Priority Sector Lending norms
KYC/AML compliance in lending

6. Loan Disbursement & Monitoring

Loan sanction process
Post-disbursement monitoring
NPA classification and recovery process

7. Interest Calculation and Charges

Types of interest (fixed, floating)
EMI calculation
Processing fees, penal charges

8. Practical Tools and Case Studies

Loan proposal drafting
Working capital assessment (MPBF, Tandon Committee norms)
Real case studies of SME/MSME loans

9. Targeted Audiences

Commerce & Finance Students (UG/PG)
Entrepreneurs & Small Business Owners
Banking Job Aspirants
CA/CMA/CS Students & Interns
Working Professionals (Accounts/Finance/Operations)
NGO / Trust / Cooperative Society Members
Startups and MSMEs

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