CHSE Odisha Vocational Banking (BANK) study plan

Trace the evolution of banking in India from indigenous bankers and money lenders through the presidency banks to nationalisation and modern universal banking, and write a dated timeline from memory

Classify banks by function and ownership (central, commercial, cooperative, regional rural, development, payments) and match each type to two concrete Indian examples

Explain the primary functions (accepting deposits, lending) and secondary functions (agency and general utility services) of a commercial bank with one worked example of each

Set up a simple double-entry ledger and record five basic transactions (deposit, withdrawal, loan disbursement, interest credit, service charge) applying the debit/credit rule correctly

Define the core accounting terms used in bank books - debit, credit, assets, liabilities, capital, revenue, contra - and use each in a one-line sentence

Describe the constitutional and statutory position of the Reserve Bank of India and list its four core functions with a one-line explanation of each

Explain the instruments of monetary policy - CRR, SLR, repo and reverse repo, open market operations, bank rate, MSF - and state the direction of effect of each on liquidity and credit

Distinguish scheduled from non-scheduled banks and explain what scheduled status actually confers

Summarise the role of NABARD, SIDBI, EXIM Bank and NHB in one sentence each and identify which segment of credit each supports

Identify the main regulators and their boundaries: RBI, SEBI, IRDAI, PFRDA, and the cooperative oversight arrangement

Explain the five principles of sound lending - safety, liquidity, profitability, purpose and spread - and apply them to reject one weak loan request with written reasons

Distinguish cash credit, overdraft, demand loan, term loan and bill discounting by purpose, repayment pattern and security taken

Compute simple and compound interest on a loan using the reducing-balance method and show the working for a 12-month instalment schedule

Classify security as primary and collateral and identify which forms of charge (pledge, hypothecation, mortgage, lien, assignment) fit which asset type

Explain the purpose and basic structure of CIBIL or credit information reporting and why a repayment track record affects a fresh application

Compare savings, current, fixed deposit and recurring deposit accounts on eligibility, interest, withdrawal rules and suitability, and select the right account for three described customers

Explain KYC requirements, the types of acceptable identity and address proof, and the difference between full KYC and small-account relaxation

Distinguish the banker–customer relationship types - debtor–creditor, trustee, bailee, agent, lessor - and identify the relationship in five given situations

State the banker's duties of secrecy, honouring cheques and maintaining the account, and list the recognised exceptions to the duty of secrecy

Explain the effect of death, insolvency, lunacy and garnishee order on the operation of an account

Identify the essential features and parties of a promissory note, bill of exchange and cheque, and classify a given instrument correctly

Explain the meaning and effect of crossing (general and special), endorsement, and the distinction between bearer and order instruments

State the grounds for dishonour of a cheque and explain the holder's remedies, including the notice of dishonour

Describe the cheque truncation system, NEFT, RTGS, IMPS and UPI by settlement timing, limit structure and typical use case

Explain the protections available to a paying banker (payment in due course, material alteration, forged endorsement of a bearer instrument) and to a collecting banker under statutory protection

Explain the mechanics of a bank guarantee, letter of credit and safe deposit locker, and state the bank's liability position in each

Describe the main life and general insurance products distributed through banks and the difference between the insurer's and the bank's role as corporate agent

Explain the features of PMJJBY, PMSBY, APY and Atal Pension Yojana and match each to its target beneficiary

Define financial inclusion and list the roles of Business Correspondents, BC-led accounts, and Direct Benefit Transfer in extending access

Identify the main risks to a customer in digital banking - phishing, OTP fraud, SIM swap, unauthorised transactions - and state the reporting route and the limited-liability framework for unauthorised electronic transactions

Reconcile a bank statement against a cash book and prepare a reconciliation statement explaining cheques issued but not presented, deposits in transit and bank charges

Prepare a simple balance sheet for a bank branch showing assets, liabilities and capital, and compute basic ratios such as credit-deposit ratio

Explain the purpose of a loan register, deposit register, KYC file and signature card, and state what each record must contain

Describe the process of opening, operating and closing an account end-to-end, including nomination and joint-account operating instructions

Demonstrate the arithmetic of a non-performing asset: identify the overdue trigger and compute the provisioning category for a given overdue period

Revise all eight domains using the deliverables produced in weeks 1 to 7, converting each into a short recall summary

Answer 60 mixed practice questions under timed conditions and log every error by domain and by cause (knowledge gap, misread, calculation)

Re-derive from memory the monetary policy instruments, the charge types, the negotiable instrument parties and the banker–customer relationship types

Write out the definitions that carry the most marks - negotiable instrument, payment in due course, NPA, financial inclusion, KYC - in exam-ready form

Drill the numerical areas: interest calculation, instalment schedule, reconciliation and provisioning, until each is completed without reference