Loan appraisal note
Deliverable: A written appraisal of a supplied borrower profile, recommending approve or decline with reasoning, security and conditions stated, in a format a credit officer would recognise.
Course
Banking and Finance Diploma
The knowledge a bank or NBFC role actually requires — products, lending, KYC, compliance and customer handling — alongside the aptitude practice that recruitment tests are built on.
- Duration: 6 months
- Classroom · Online live
- Level: beginner to advanced
What you will be able to do
- Explain every retail banking product and which customer it suits
- Assess a simple loan proposal and identify what makes it weak
- Apply KYC and anti-money-laundering requirements to a real account opening
- Compute interest, EMI and yield accurately and quickly
- Handle a customer complaint within the grievance framework
- Sit a bank recruitment aptitude paper having practised under timing
Who this course is for
- Graduates in any discipline
- Final-year students preparing for bank and NBFC recruitment
- Working staff in cooperative banks and financial institutions
- No prior finance background required
Syllabus
6 modules · 6 months
Module 1. The financial system
- Reserve Bank of India and its regulatory role
- Commercial banks, cooperative banks and NBFCs
- Payment systems — NEFT, RTGS, IMPS and UPI
- Financial inclusion and priority sector lending
Module 2. Banking products and operations
- Deposit products and who each one suits
- Account opening, operations and closure
- Cheques, clearing and negotiable instruments
- Locker, remittance and ancillary services
Module 3. Lending
- Retail loans — home, vehicle, personal, education
- Working capital and term loans for business
- Appraisal basics, security and documentation
- Non-performing assets and what precedes one
Module 4. KYC, compliance and risk
- Customer identification and due diligence
- Anti-money-laundering obligations in practice
- Fraud patterns and red flags at the counter
- Banking ombudsman and the grievance framework
Module 5. Numerical skills for banking
- Simple and compound interest
- EMI, amortisation and effective yield
- Percentage, ratio and profit and loss
- Speed and accuracy under exam timing
Module 6. Customer handling and recruitment preparation
- Selling a product honestly and matching it to need
- Handling an angry customer at a counter
- Reasoning and English practice for bank examinations
- Interview technique and group discussion
Tools and technologies you will use
- Microsoft Excel
- Core banking simulation exercises
- Loan appraisal formats
- Aptitude and reasoning practice papers
Projects you will build
KYC exception file
Deliverable: Three account opening files reviewed against KYC and AML requirements, with every deficiency identified and a written note on what additional information is required and why.
EMI and yield workbook
Deliverable: An Excel workbook that computes EMI, generates an amortisation schedule and calculates effective yield, tested against three different loan scenarios.
Timed aptitude papers
Deliverable: At least four full-length quantitative and reasoning papers sat under recruitment exam timing, each reviewed to identify which section costs you most marks.
Where this course can take you
- Bank Clerk
- Customer Service Executive
- Loan Officer
- NBFC Executive
- Back Office Executive
Duration, modes and fees
- Duration
- 6 months
- Delivery modes
- Classroom · Online live
- Fees
- Share your details for the current fee
- Fees vary by batch and delivery mode. Ask about the combined fee if you take this alongside the Spoken English course for interview preparation.
Placement assistance
Every student gets placement assistance — that is what 100% placement assistance means. It is support for all, not a job for all. We do not promise a specific salary, a specific number of interviews, or placement at any named company, and you should be wary of anyone who does.
What is included
- A place in the monthly placement drive, held every third Saturday
- The readiness programme every second Saturday — mock interviews and preparation
- CV review against the specific roles you are targeting
- Portfolio review, so your project work is presented the way a reviewer will read it
- Access to the vacancy pool employers send directly to the Samyak network
- Guidance on which roles realistically fit your background and which do not
- A place in the next drive, with coaching, if you are not selected in this one
What is not included
- Any guarantee of a job, an interview, or a particular salary
- Placement at a named or partner company
- Applying to jobs on your behalf
- Support before you have completed the course and its project work
- Visa, relocation or overseas placement assistance
Two things at once, on purpose
Bank recruitment tests aptitude. Bank work requires product and process knowledge. Most courses do one or the other and leave a gap.
This one runs both. The first four modules build what the job needs — products, lending, KYC, complaint handling. The fifth and sixth build what the examination needs — interest and EMI arithmetic at speed, reasoning, English and interview practice. Passing the test and being useful afterwards are different skills, and you need both.
What we will not claim
We cannot get you a government bank job.
IBPS and SBI recruitment is a competitive public examination administered by somebody else, and the outcome depends on your rank against lakhs of candidates. This course prepares you for it properly and honestly. Anyone offering the job itself in exchange for a fee is running something you should walk away from.
The private sector is a real answer
A lot of students arrive fixed on a public sector bank and unaware of everything else.
Private banks, NBFCs and small finance banks hire on product knowledge, lending judgement and customer handling rather than on examination rank, and they hire continuously rather than once a year. The loan appraisal and KYC projects exist partly because they are what those interviews probe.
Regulation moves
Thresholds change. Rules are amended. A course that teaches this year’s numbers as permanent facts is preparing you to be wrong in front of a customer.
So the compliance module teaches why an obligation exists and where to check its current form, alongside what it is today. Knowing the intent lets you reason about a case the rulebook did not anticipate, which is most of the difficult ones.
Questions
Banking and Finance Diploma — frequently asked questions
Will this course get me a government bank job?
It gives you the banking knowledge and the aptitude practice those examinations test, which is genuinely useful preparation. It does not get you the job — IBPS and SBI recruitment is competitive and decided by an examination we do not administer. Anyone promising a government bank job in exchange for a fee is not being honest with you.
Is this useful if I want to work at an NBFC or private bank instead?
Yes, and arguably more directly. Private bank and NBFC hiring looks at product knowledge, customer handling and lending sense more than at examination rank, and the loan appraisal and KYC projects speak to exactly that. Several of the roles this course targets are in that sector.
Do I need a commerce or economics background?
No. The first module builds the financial system from scratch and the numerical module assumes school mathematics. Graduates from arts and science streams take this regularly. What matters is comfort with arithmetic under time pressure, which is trained rather than assumed.
How current is the compliance content?
Regulation changes, so the compliance modules teach the structure and intent of KYC and AML obligations along with the current requirements, and where to verify the present position. Teaching a threshold as a permanent fact would leave you confidently wrong within a year or two.
Enquire about Banking and Finance Diploma
Three details is all we need. A course advisor will call you back.
Related courses
- Certified Account Professional (CAP)
The shorter accounts programme — Tally, GST, TDS and Excel practised on a real half-year of books, for people who need to be hireable sooner rather than exhaustively trained.
- Advanced Excel
The Excel that offices actually run on — lookup logic, PivotTables, Power Query pipelines, dashboards and enough VBA to automate the work you repeat every month.
- Stock Market and Advanced Trading
Markets taught with risk first — instruments, analysis, derivatives and position sizing — built around not losing capital, because that is the part that decides whether anyone lasts.
- Spoken English
Built around speaking rather than grammar exercises — because most learners in India already know more grammar than they can use, and the gap is confidence under pressure.
Next step
Talk to a course advisor
Tell us what you want to learn and we will help you pick the right course, batch and mode.