RBSE SS Voc Banking study plan

Define the roles of the RBI, scheduled commercial banks, cooperative banks, RRBs and NBFCs, and state two differences between each pair

Distinguish the functions of a central bank from those of a commercial bank and give one concrete example of each function

Classify bank liabilities and assets into deposits, borrowings, loans, investments and reserves, and label a simple balance-sheet sketch

Explain the meaning of CRR, SLR, repo rate and bank rate and note which body sets each

Compare savings, current, fixed deposit and recurring deposit accounts on interest, withdrawal rules and minimum balance

Compute simple and compound interest on a fixed deposit for a given principal, rate and tenure

Describe the steps to open an account, including KYC documents and the purpose of each document

Explain the operations of a bank branch: cash handling, clearing, passbook updating and nomination

List the principles a banker applies before sanctioning a loan: safety, liquidity, profitability and purpose

Differentiate the 5 Cs of credit and apply them to a short case of a small trader seeking a loan

Compare term loans, cash credit, overdraft and bill discounting by repayment pattern and security

Identify the documents used to create a charge on security, such as hypothecation and mortgage

Explain the purpose of NPA classification, provisioning and recovery mechanisms including SARFAESI and DRT

Describe the Basel capital adequacy idea and why banks must hold capital against risk

Outline the banker's duty of secrecy, the exceptions to it and the KYC and AML obligations that follow

Match common banking frauds to the control that prevents them

Identify the essential features and parties of a cheque, bill of exchange and promissory note

Determine when a cheque is crossed, endorsed or dishonoured, and state the consequence of each

Explain the difference between RTGS, NEFT, IMPS and UPI by timing, limit and use case

Describe the recourse available to a holder when an instrument is dishonoured

Record a set of branch transactions in journal, ledger and trial balance form

Reconcile a bank statement against a cash book and explain three causes of difference

Describe service quality standards in customer grievance redressal, including the banking ombudsman route

Explain the difference between a customer and a consumer, and list the banker's duties to each

Describe how mobile banking, internet banking, wallets and UPI differ in authentication and settlement

Explain the risks of phishing, SIM swap and OTP fraud, and state the safe-practice rule for each

Summarise the objectives and eligibility of PMJDY, Atal Pension Yojana and Mudra loans

Explain the role of business correspondents and BC-led banking in reaching unbanked areas

Draft a short project report on a chosen banking topic with objective, method and findings

Practise a mock interview answer explaining why you want a banking vocational role

Revise the highest-weight domains through timed practice questions and record error patterns

Prepare a one-page revision sheet of formulas, limits and scheme names