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B-COM-SELF-FINANCE in Banking at A. V. Patel Commerce College
Navsari, Gujarat
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About the Specialization
What is Banking at A. V. Patel Commerce College Navsari?
This Banking specialization program at A. V. Patel Commerce College focuses on equipping students with comprehensive knowledge of banking operations, financial markets, and regulatory frameworks. Set within the dynamic Indian financial landscape, the program delves into core banking practices, contemporary financial instruments, and digital banking innovations. It aims to prepare graduates for diverse roles in India''''s rapidly growing banking and finance industry, aligning with the country''''s economic aspirations and increasing financial inclusion initiatives.
Who Should Apply?
This program is ideal for fresh graduates seeking entry into the Indian banking sector, including public, private, and cooperative banks. It also suits individuals aspiring for roles in financial institutions, wealth management firms, and fintech companies. Ambitious students with a keen interest in finance, economics, and law, possessing strong analytical and quantitative skills, will find this specialization particularly rewarding, paving the way for a solid career foundation in India''''s financial hub.
Why Choose This Course?
Graduates of this program can expect to pursue India-specific career paths such as Probationary Officers, Financial Analysts, Relationship Managers, Loan Officers, and Credit Analysts. Entry-level salaries typically range from INR 3 to 6 LPA, with significant growth potential up to INR 10-15+ LPA for experienced professionals. The program aligns with certifications like NISM and JAIIB/CAIIB, enhancing professional credibility and accelerating career trajectories within Indian financial companies and burgeoning fintech startups.
Student Success Practices
Foundation Stage
Build Strong Commerce Fundamentals- (Semester 1-2)
Focus on thoroughly understanding core subjects like Financial Accounting, Economics, and Business Statistics. Utilize online resources like Khan Academy or NPTEL for conceptual clarity and practice problems regularly. Join study groups to discuss complex topics and prepare for internal assessments effectively.
Tools & Resources
Khan Academy, NPTEL videos, College Library resources
Career Connection
A strong foundation in these subjects is crucial for advanced finance concepts and forms the bedrock for entry-level roles in financial analysis and accounting departments.
Develop Essential Computer Skills- (Semester 1-2)
Master MS Office Suite (Excel, Word, PowerPoint) and gain proficiency in accounting software like Tally ERP. Explore basic data analysis in Excel. Participate in college workshops or online courses to build these practical skills from the beginning.
Tools & Resources
Microsoft Learn, Tally Education online tutorials, Udemy courses
Career Connection
Proficiency in these tools is a non-negotiable requirement for almost all entry-level commerce and banking jobs in India, enhancing efficiency and employability.
Cultivate Effective Communication- (Semester 1-2)
Engage actively in college debates, presentations, and group discussions to improve verbal and non-verbal communication. Practice writing clear and concise business emails and reports. Seek feedback from professors and peers to refine your soft skills.
Tools & Resources
Toastmasters International (if available), Grammarly, Presentation apps
Career Connection
Strong communication is vital for client interaction, team collaboration, and interview success in the banking and finance industry.
Intermediate Stage
Explore Indian Banking Landscape- (Semester 3-4)
Deep dive into subjects like Indian Banking System and Business Law. Follow financial news (e.g., Economic Times, Livemint) to understand current trends and regulatory changes in the Indian banking sector. Attend guest lectures by banking professionals.
Tools & Resources
RBI website, Business news portals, SEBI website
Career Connection
This knowledge is essential for clearing competitive exams (like IBPS, SBI PO) and for understanding the operational context of Indian banks.
Engage in Skill Specialization Workshops- (Semester 3-5)
Participate in workshops focused on financial modeling, GST, or income tax filing. Seek opportunities to do mini-projects or case studies related to corporate finance and taxation, applying theoretical knowledge to practical scenarios.
Tools & Resources
NSE Academy certifications, Online tax filing portals, Excel modeling tutorials
Career Connection
Specialized skills make you a more competitive candidate for specific roles in compliance, taxation, or financial advisory within Indian companies.
Build Professional Network- (Semester 3-5)
Attend industry seminars, career fairs, and networking events organized by the college or local commerce associations. Connect with alumni working in banking and finance on platforms like LinkedIn to gain insights and mentorship.
Tools & Resources
LinkedIn, Industry conferences, College Alumni Network
Career Connection
Networking opens doors to internship opportunities, industry insights, and potential job referrals, which are crucial in the Indian job market.
Advanced Stage
Pursue Banking Certifications & Internships- (Semester 5-6)
Prepare for industry-recognized certifications like NISM modules (e.g., Equity Derivatives, Mutual Funds) or the JAIIB/CAIIB exams (for public sector banking aspirants). Secure a relevant internship in a bank or financial institution to gain hands-on experience in the Banking specialization.
Tools & Resources
NISM certifications, IIBF JAIIB/CAIIB study materials, College placement cell
Career Connection
Certifications validate your expertise, while internships provide practical exposure, both highly valued by Indian recruiters for final placements.
Undertake Specialization-Specific Projects- (Semester 5-6)
Focus your final year project work on a specific area within Banking, such as ''''Risk Management in Cooperative Banks'''' or ''''Impact of Digitalization on Retail Banking in India''''. This demonstrates in-depth knowledge and research capabilities to potential employers.
Tools & Resources
Academic research databases, Industry reports (e.g., from RBI, IBA), Faculty mentors
Career Connection
A strong project showcases your analytical skills and specialized knowledge, making you stand out for banking and finance roles.
Intensive Placement and Interview Preparation- (Semester 6)
Actively participate in mock interviews, group discussions, and aptitude test preparation sessions organized by the college''''s placement cell. Refine your resume and cover letter, tailoring them to specific banking job descriptions. Focus on case studies relevant to banking operations and financial analysis.
Tools & Resources
Online aptitude test platforms, Interview preparation guides, Placement cell workshops
Career Connection
Thorough preparation is critical for converting interviews into job offers, especially for competitive roles in the Indian banking sector, including campus placements.
Program Structure and Curriculum
Eligibility:
- No eligibility criteria specified
Duration: 3 years (6 semesters)
Credits: 144 (Inferred: 6 subjects/semester * 4 credits/subject * 6 semesters) Credits
Assessment: Internal: 30%, External: 70%
Semester-wise Curriculum Table
Semester 1
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC101 | Financial Accounting - I | Core | 4 | Accounting Principles, Journal and Ledger, Trial Balance, Final Accounts of Sole Proprietorship, Accounting Standards (Introductory) |
| BC102 | Business Organization and Management | Core | 4 | Forms of Business Organization, Principles of Management, Planning and Decision Making, Organizing and Staffing, Leadership and Motivation |
| BC103 | Micro Economics | Core | 4 | Introduction to Economics, Demand and Supply Analysis, Theory of Consumer Behaviour, Production and Cost Analysis, Market Structures |
| BC104 | Business Statistics - I | Core | 4 | Statistical Data Collection, Measures of Central Tendency, Measures of Dispersion, Correlation and Regression, Index Numbers |
| BC105 | Computer Fundamentals | Skill Enhancement | 4 | Introduction to Computers, Hardware and Software Concepts, Operating Systems, MS Office Applications, Internet Basics |
| BC106 | Environmental Studies | Compulsory Foundation | 4 | Ecosystems and Biodiversity, Environmental Pollution, Natural Resources, Environmental Ethics, Sustainable Development |
Semester 2
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC201 | Financial Accounting - II | Core | 4 | Partnership Accounts, Company Accounts (Issue of Shares), Debentures, Branch Accounts, Departmental Accounts |
| BC202 | Marketing Management | Core | 4 | Concept of Marketing, Marketing Mix (4Ps), Consumer Behaviour, Market Segmentation, Product and Pricing Decisions |
| BC203 | Macro Economics | Core | 4 | National Income Accounting, Theories of Employment and Income, Inflation and Deflation, Monetary and Fiscal Policy, International Trade |
| BC204 | Business Statistics - II | Core | 4 | Probability Theory, Probability Distributions, Sampling Techniques, Hypothesis Testing, Time Series Analysis |
| BC205 | Advanced Computer Applications | Skill Enhancement | 4 | Advanced Excel Functions, Database Concepts (MS Access), Presentation Tools (PowerPoint), Data Analysis Tools, Cyber Security Basics |
| BC206 | Indian Constitution | Compulsory Foundation | 4 | Preamble and Fundamental Rights, Directive Principles of State Policy, Structure of Government, Federalism in India, Constitutional Amendments |
Semester 3
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC301 | Corporate Accounting - I | Core | 4 | Accounting for Amalgamation, Internal Reconstruction, Liquidation of Companies, Valuation of Shares and Goodwill, Holding Company Accounts |
| BC302 | Business Law | Core | 4 | Indian Contract Act 1872, Sale of Goods Act 1930, Negotiable Instruments Act 1881, Consumer Protection Act 2019, Company Law (Introduction) |
| BC303 | Principles of Financial Management | Core | 4 | Goals of Financial Management, Capital Budgeting Decisions, Cost of Capital, Leverage Analysis, Working Capital Management |
| BC304 | Indian Banking System | Core | 4 | Evolution of Indian Banking, RBI and Monetary Policy, Commercial Banks and their Functions, Co-operative Banking, Development Banks |
| BC305 | Computer Applications in Business | Skill Enhancement | 4 | Tally ERP for Accounting, Payroll Management Software, Inventory Management Systems, E-filing of Returns, Data Security in Business |
| BC306 | Communication Skills | Soft Skill | 4 | Verbal and Non-verbal Communication, Business Correspondence, Report Writing, Presentation Skills, Group Discussion and Interview Techniques |
Semester 4
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC401 | Corporate Accounting - II | Core | 4 | Consolidated Financial Statements, Financial Reporting, Cash Flow Statement, Analysis of Financial Statements, Accounting for Inflation |
| BC402 | Cost Accounting | Core | 4 | Cost Concepts and Classification, Material Costing, Labour Costing, Overhead Costing, Job and Process Costing |
| BC403 | Entrepreneurship Development | Core | 4 | Concept of Entrepreneurship, Process of Entrepreneurship, Business Idea Generation, Project Report Preparation, Support Systems for Entrepreneurs |
| BC404 | Auditing | Core | 4 | Fundamentals of Auditing, Types of Audit, Audit Planning and Procedures, Internal Control System, Audit Report |
| BC405 | E-Commerce | Skill Enhancement | 4 | Introduction to E-Commerce, E-Business Models, Online Payment Systems, E-Marketing Strategies, E-Commerce Security and Legal Issues |
| BC406 | Taxation (Introduction) | Core | 4 | Basic Concepts of Income Tax, Residential Status, Income from Salaries, Income from House Property, Basics of GST |
Semester 5
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC501 | Banking Law & Practice - I | Specialization Elective (Banking) | 4 | Banking Regulation Act, 1949, RBI Act, 1934, Types of Banks, Banker and Customer Relationship, Negotiable Instruments |
| BC502 | Financial Markets & Institutions | Specialization Elective (Banking) | 4 | Money Market, Capital Market, Stock Exchanges in India, Financial Intermediaries, SEBI and its Role |
| BC503 | International Banking & Finance | Specialization Elective (Banking) | 4 | Foreign Exchange Market, International Monetary System, International Financial Institutions, Forex Risk Management, International Capital Flows |
| BC504 | Research Methodology in Commerce | Core | 4 | Research Process, Research Design, Data Collection Methods, Sampling Techniques, Data Analysis and Interpretation |
| BC505 | Advanced Accounting (Optional) | Elective | 4 | Accounting for Financial Instruments, Lease Accounting, Government Accounting, Human Resource Accounting, Inflation Accounting |
| BC506 | Indirect Taxes | Core | 4 | Goods and Services Tax (GST) Act, GST Principles and Structure, Input Tax Credit, GST Registration and Returns, Customs Act (Basics) |
Semester 6
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC601 | Banking Law & Practice - II | Specialization Elective (Banking) | 4 | Advances and Loans, Securities for Advances, Prudential Norms, Payment and Settlement Systems, Digital Banking Regulations |
| BC602 | Wealth Management | Specialization Elective (Banking) | 4 | Introduction to Wealth Management, Investment Products (Equity, Debt, MF), Insurance Planning, Retirement Planning, Estate Planning |
| BC603 | Risk Management in Banking | Specialization Elective (Banking) | 4 | Types of Risks in Banking, Credit Risk Management, Market Risk Management, Operational Risk Management, Asset-Liability Management |
| BC604 | Project Work / Internship (Banking Focus) | Practical/Project | 4 | Project Proposal Development, Data Collection and Analysis, Report Writing, Presentation Skills, Industry Exposure and Application of Concepts |
| BC605 | Rural and Agricultural Banking | Specialization Elective (Banking) | 4 | Role of NABARD, Regional Rural Banks, Microfinance Institutions, Agricultural Credit Policies, Financial Inclusion in Rural Areas |
| BC606 | Corporate Governance | Elective | 4 | Principles of Corporate Governance, Board of Directors, Shareholder Rights, Role of Auditors, SEBI Guidelines on Governance |
