Haryana BSEH Secondary NSQF BFSI study plan

Distinguish the roles of RBI, scheduled commercial banks, cooperative banks, regional rural banks and payments banks, and state one supervisory or operational function of each

Differentiate savings, current, fixed deposit and recurring deposit accounts by eligibility, interest treatment, withdrawal rules and minimum balance

Walk through account-opening KYC end to end: accepted documents, PAN-Aadhaar linkage, in-person versus video KYC, and periodic KYC updation

Trace how a cheque, demand draft, NEFT and RTGS payment moves through clearing, including cut-off timings and what makes a cheque dishonour

Classify bank offerings into deposits, loans and fee-based services, and state the main income source for the bank in each

Compute simple interest, compound interest and a loan EMI from the standard formulas, showing full working for three worked cases

Separate nominal from effective interest and identify processing fee, prepayment penalty, GST on charges and insurance bundling in a given loan repayment schedule

Explain repo rate, CRR and SLR in plain language and predict how a repo rate cut changes deposit rates, loan rates and EMI outflow

Build a monthly budget on a realistic entry-level BFSI salary, allocating for rent, an emergency fund of three to six months' expenses, insurance premium and savings

Distinguish saving, investing and speculating, and calculate the real return on a deposit once inflation is subtracted

Compare a fixed deposit, a recurring deposit, a public provident fund and a debt mutual fund on liquidity, tax treatment and risk

Explain how inflation, purchasing power and the time value of money affect a five-year financial goal, with a numeric example

Identify the government and regulator-backed savings and protection schemes a first-time saver should know (PPF, Sukanya Samriddhi, Atal Pension Yojana, PMJJBY, PMSBY) and their eligibility conditions

Differentiate UPI, IMPS, NEFT, RTGS and card payments by settlement timing, transaction limits and best-fit use case, and choose the right rail for three given scenarios

Explain UPI mechanics and safety: UPI PIN, device binding, the collect-request approval step and why a PIN is never needed to receive money

Match eight common digital frauds (phishing, vishing, SIM swap, QR-code tampering, fake loan app, OTP sharing, juice jacking, QR refund scam) to the correct defensive action and reporting channel

State RBI's customer liability rules for unauthorised electronic transactions: zero liability, limited liability and the reporting timelines that decide who pays

Review an app's permission list and decide which permissions a genuine banking or payment app needs versus over-collection of contacts, SMS and gallery data

Explain the principles of insurance - insurable interest, utmost good faith, indemnity, proximate cause, subrogation, contribution and mitigation - each with an original example

Distinguish term life, endowment, ULIP, health, motor, fire and crop insurance by risk covered, basis of sum insured and the exclusions a customer most often trips over

Calculate a term-life and a health premium from given age, sum assured, rate and deductible inputs, and show how raising the deductible lowers the premium

Map five BFSI career routes (bank clerk/PO, insurance advisor, relationship manager, back-office operations, business correspondent) to qualification, entry exam and first promotion path

Assign RBI, IRDAI, SEBI and PFRDA to their regulated entities and name one thing each regulator does not control

Draft and deliver a 60-second self-introduction and a cold-call opening for a savings account pitch, keeping both under the spoken word limit

Convert three product features into customer-benefit statements and defend the difference in a written comparison

Apply a three-step complaint handling routine (acknowledge, act, follow up) to two written customer call transcripts, marking where empathy language is missing

Handle a stated objection ('the interest rate is lower than the other bank') using a need-based response rather than a discount

Apply workplace etiquette: correct email escalation structure, confidentiality of customer data, and the grooming and punctuality expected on a branch floor

Distinguish primary from secondary markets, and explain how an IPO, FPO and rights issue each raise capital for a company

Compare equity, debt and mutual fund units on return source, risk and liquidity, and compute the corpus from a two-year monthly SIP at a stated expected return

Read an order ticket: market versus limit order, stop-loss, T+1 settlement, and the separate roles of trading and demat accounts

Record ten given transactions as journal entries, post them to ledger accounts and prepare a trial balance

Detect one deliberate error in a supplied trial balance and state whether it is an error of principle, omission or posting

Sit two full-length timed mock tests weighted to the exam blueprint and score at least 70% on each, logging every wrong answer with its cause

Revise the 30 most-missed facts from the error log across three spaced retrieval sessions, one of them a day later

Apply occupational safety and green practice to a BFSI workplace: electrical and fire safety at an ATM site, ergonomics at a teller counter, e-waste disposal and paperless workflow

Outline a small BFSI enterprise - business correspondent or insurance agency - with licence, initial cost, monthly income estimate and break-even point