RBSE Sec Voc Banking, Financial Services and Insurance study plan

Sketch the structure of the Indian financial system, placing RBI, SEBI, IRDAI, PFRDA, commercial banks, cooperative banks, small finance banks, payment banks and NBFCs in the right regulatory slot

Distinguish money market from capital market instruments, and list at least six money market instruments with their issuers and typical tenors

Explain how CRR, SLR, repo rate and bank rate transmit into liquidity and lending rates, using one worked numerical example

Compare savings, current, fixed deposit, recurring deposit, BSBDA and NRE/NRO accounts on eligibility, interest, withdrawal limits and tax treatment

Sequence the account-opening workflow end to end, including KYC documentation, customer due diligence, nomination, joint-holder mandates and operating instructions

Explain the cheque lifecycle: crossing, endorsement types, collection, return reasons and the Cheque Truncation System clearing flow

Compute simple interest, compound interest, quarterly-compounded deposit maturity values and a reducing-balance EMI for given loan inputs

Differentiate retail asset products such as home, auto, personal and gold loans by security, tenor, repayment structure and typical pricing benchmark

Describe core banking versus branch banking operations, including standing instructions, auto-sweep, lockers and stop-payment requests

State the seven core insurance principles and give one original India-relevant example for each, covering insurable interest, utmost good faith, indemnity, subrogation, contribution, proximate cause and mitigation of loss

Contrast life insurance with general insurance on contract nature, sum assured versus indemnity, and treatment of moral hazard

Classify life products (term, whole life, endowment, money-back, ULIP, annuity) by protection component, surrender value and investment risk borne by the policyholder

Classify non-life products across health, motor, fire, marine and liability, naming the key exclusions a customer must be told about

Walk through life and health claim settlement step by step, from intimation and document checklist to surveyor assessment, TPA cashless authorisation, repudiation grounds and the policyholder's escalation route

Explain underwriting factors, premium-rating elements, policy schedule and endorsement mechanics for life and health cover

Interpret key policy clauses: waiting period, pre-existing disease, room-rent capping, co-payment, deductible, free-look period and revival of lapsed policies

Outline IRDAI's policyholder-protection expectations and the role of the Insurance Ombudsman in dispute resolution

Build a comparison of NEFT, RTGS, IMPS, UPI, AePS, Bharat BillPay, card and prepaid-wallet rails by transaction limit, availability window, settlement timing and typical use case

Explain the roles of NPCI, card networks, payment aggregators and third-party application providers in a UPI transaction flow

Describe digital onboarding channels such as e-KYC, video-based customer identification and digital lending app safeguards, including what a customer must consent to

Identify the main cyber-fraud patterns in retail banking and state the preventive and reporting steps, including the golden-hour concept and the cyber-crime helpline

Summarise the direction of fintech change: account aggregator data consent, CBDC pilots and API-based open banking

Distinguish NBFCs from banks on deposit acceptance, reserve requirements, payment-system access and applicable scale-based regulation, and name at least five NBFC categories by activity

Compare mutual fund scheme categories under SEBI's categorisation norms on asset class, risk and suitability, and explain NAV, expense ratio, exit load and direct versus regular plans

Compute NAV-based returns, SIP future value and the effect of expense ratio on long-horizon corpus for supplied inputs

Map the primary and secondary capital market: IPO and ASBA process, stock exchange and depository roles, demat account, settlement cycle and basic derivative instruments

Assemble the KYC document set for individuals and non-individuals, covering risk categorisation, beneficial ownership, periodic re-KYC and the CKYC registry

Trace an AML alert from transaction monitoring through to STR or CTR filing under PMLA, and list the red flags of structuring, mule accounts and layering

Explain RBI's integrated grievance-redressal framework, the Banking Codes and internal escalation ladder a customer can use

Apply suitability and mis-selling tests to a sales scenario, and outline the basic compliance and licensing steps for a small BFSI distribution or advisory venture

Review every weak spot logged during weeks 1 to 7 and rewrite the notes for each into a single condensed revision sheet

Take two full-length timed mock exams of 60 questions each, weighted to mirror the domain percentages

Analyse every incorrect answer by root cause, distinguishing knowledge gaps from misread questions and calculation slips

Recite from memory the ten key numbers most likely to be tested, including RTGS minimum, UPI per-transaction cap and basic CRR/SLR concepts