UPMSP Vocational Banking study plan

Map the structure of the Indian financial system (RBI, scheduled vs non-scheduled banks, cooperative banks, RRBs, NBFCs) and label each institution's primary function on a one-page diagram

Distinguish the functions of a commercial bank (accepting deposits, lending, agency, utility) and give two concrete examples of each from a branch setting

Classify the main account types (savings, current, fixed deposit, recurring deposit, NRE/NRO, BSBDA, Jan Dhan) by eligibility, minimum balance, interest treatment and withdrawal rules

Explain KYC tiers, account-opening documentation and the difference between a joint account and an operative-only mandate in your own words

Describe the deposit lifecycle from account opening through interest posting, nomination, dormancy and closure, listing the form or entry used at each step

Differentiate demand deposits from term deposits and compute simple and quarterly-compounded interest on a fixed deposit by hand and with a spreadsheet

Outline the loan appraisal chain (application, KYC, credit bureau check, income assessment, collateral, sanction, disbursement, monitoring) for a retail loan

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

Identify the main credit-risk indicators a branch officer checks (repayment history, DSCR, LTV, collateral adequacy) and apply them to two contrasting borrower profiles

Explain priority-sector lending categories and the meaning of NPA classification (substandard, doubtful, loss) with a worked ageing example

Trace the path of a cheque and an NEFT/RTGS/IMPS transfer from initiation to final settlement, naming the clearing house role and the return-window rules

Set up and interpret a UPI transaction flow, including NPCI, PSP, virtual address and the difference between UPI and card-based payments

Post a set of ten representative transactions into a manual ledger (deposit, withdrawal, interest, charges, loan disbursement, EMI receipt) and balance the trial balance

Explain the meaning and purpose of the day book, cash book, general ledger, subsidiary books and the reconciliation of the cash balance at close of day

Distinguish debit and credit from the bank's point of view versus the customer's point of view and correct three deliberately mis-posted entries

Describe how a bank reconciles its nostro/agency balances and why suspense accounts must be cleared promptly

Prepare a bank reconciliation statement from a given cash book and pass book with at least five reconciling items

Draft four pieces of routine banking correspondence (account-opening welcome letter, cheque-return intimation, loan-repayment reminder, reply to a balance enquiry) in correct formal register

Apply the service-quality essentials of greeting, need identification, clear explanation and complaint logging to a scripted customer interaction

Identify the grievance-redressal ladder (branch, nodal officer, RBI Ombudsman) and state the timeline at each stage

Explain the core principles of financial literacy (budgeting, saving, borrowing wisely, avoiding Ponzi schemes) and turn them into a five-point customer handout

Compare the main insurance types (life, term, endowment, ULIP, health, fire, crop) by purpose, cover and claim basis

Summarise the eligibility and benefit structure of three government schemes relevant to ordinary customers, such as PMJDY, PMJJBY/PMSBY and Atal Pension Yojana

Describe how a customer should nominate, update KYC and use the RBI's complaint portal, and warn against common digital-fraud patterns

State the key statutory provisions governing banking in India (RBI Act, Banking Regulation Act, Negotiable Instruments Act, PMLA) and what each mainly regulates

Explain the duties of a collecting bank and a paying bank, including the protection available for payment in due course and the consequence of a forged signature

Apply the AML/CFT and KYC obligations to three scenarios (large cash deposit, dormant account reactivation, suspicious structuring) and decide the correct action

Outline the code of ethics for bank staff, including confidentiality, conflict of interest and fair treatment of vulnerable customers

Complete a small practical project: simulate a branch week covering account opening, a deposit, a loan sanction and two digital transfers, documenting each step

Revise all eight domains using a spaced-repetition question set and record accuracy per domain

Re-attempt every previously wrong question and write a one-line reason for the corrected answer

Run two full timed mock tests and analyse time spent per domain to fix the weakest area