WBBSE Madhyamik Banking & Financial Services (Vocational) study plan

Define the core functions of a bank and distinguish deposit, credit and fee-based income in your own words

Classify at least ten common banking services (savings account, current account, fixed deposit, recurring deposit, overdraft, cash credit, demand draft, locker, NEFT-enabled transfer, credit card) by purpose and typical user

Explain the difference between a savings and a current account, and between a fixed deposit and a recurring deposit, using one worked numeric example each

Outline the steps a customer follows to open an account and the KYC documents normally required

Trace the life cycle of a cheque from issue to clearing and list the reasons a cheque can be dishonoured

Compute simple and compound interest on a deposit and calculate the interest earned on a recurring deposit for a 12-month schedule

Describe the roles of NEFT, RTGS, IMPS and UPI and match each to a realistic transaction size and urgency

Identify three common digital payment frauds and write the immediate action a customer should take after an unauthorised transaction

Prepare a personal monthly budget from a sample income and expense list and identify at least two areas of avoidable spending

Distinguish needs from wants across ten sample expenses and justify each classification briefly

Compare savings account, fixed deposit, recurring deposit, public provident fund and a mutual fund SIP on safety, liquidity and return expectation

Explain the basic idea of insurance (premium, sum assured, deductible, claim) and distinguish life insurance from general insurance with one example each

Record ten sample transactions in the standard accounting equation (assets = liabilities + capital) and verify it balances

Apply the double-entry rule of debit and credit to five everyday business transactions

Prepare a simple cash book from a given list of receipts and payments and reconcile the closing balance to the opening balance

Explain the purpose of a trial balance and identify two types of errors it will not reveal

Walk through the steps of a UPI payment, including PIN entry and confirmation, and list three safety rules to follow on a mobile banking app

Draft a professional email and a short phone script for a customer raising a failed-transaction complaint

List the main channels for registering a banking complaint and describe what escalation means in grievance redressal

Practise explaining a complex product such as a recurring deposit to a first-time customer in under two minutes of clear speech

Identify three finance-linked self-employment opportunities (for example banking correspondent, insurance agent, small lending or accounting service) and state the skills and licence each needs

Prepare a simple break-even estimate for a small service business with fixed and variable costs

Explain how a small entrepreneur can use a savings account, working capital loan and insurance to protect the business

Draft a short business idea note with target customer, service offered and a rough monthly income estimate

Review all eight content domains and list any topic you still cannot explain without notes

Solve a timed set of at least forty mixed practice questions and record the score per domain

Re-study only the two weakest domains using your own notes and worked examples

Memorise key definitions and formulas (interest, accounting equation, premium, savings rate) in a single revision sheet

Plan and outline the practical or project work, stating objective, method and expected outcome

Complete a dry run of the project presentation and answer three likely viva questions aloud

Take one full-length mock test under exam conditions and review every wrong answer

Finalise a one-page exam-day checklist covering stationery, calculator rules and time allocation per section