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BCOM in Banking at Government Kalidas Girls College, Ujjain
Ujjain, Madhya Pradesh
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About the Specialization
What is Banking at Government Kalidas Girls College, Ujjain Ujjain?
This Banking specialization within the BCom program at Government Kalidas Girls College, Ujjain, focuses on providing students with a strong foundation in banking operations, financial markets, and regulatory frameworks. It is designed to prepare students for a career in the dynamic Indian financial sector, offering insights into both traditional and modern banking practices. The program leverages the latest NEP 2020 curriculum to ensure industry relevance.
Who Should Apply?
This program is ideal for fresh commerce graduates seeking entry into the banking, finance, and allied services sectors in India. It also suits individuals passionate about understanding financial institutions, monetary policies, and digital banking trends. Students aspiring for roles in public and private sector banks, investment firms, or financial advisory services will find this specialization highly beneficial for their career trajectory.
Why Choose This Course?
Graduates of this program can expect to secure roles as Probationary Officers, Relationship Managers, Financial Analysts, or Credit Officers in commercial banks, cooperative banks, and NBFCs across India. Entry-level salaries typically range from INR 2.5 to 4.5 lakhs annually, with significant growth potential up to INR 8-15 lakhs with experience. The program aligns with certifications like NISM and IIBF for enhanced professional standing.
Student Success Practices
Foundation Stage
Master Core Commerce Fundamentals- (Semester 1-2)
Focus on building a strong understanding of Financial Accounting, Business Regulatory Framework, and Business Environment in Semesters 1-2. Utilize textbooks, online tutorials, and peer study groups to solidify basic concepts. Attend extra lectures or workshops on challenging topics.
Tools & Resources
Textbooks, ICAI study materials (for conceptual clarity), YouTube educational channels, college library resources
Career Connection
A solid foundation is crucial for all banking roles, especially in financial analysis, auditing, and compliance, which are integral to a banking career in India.
Develop Essential Soft Skills- (Semester 1-2)
Engage in personality development, communication skills, and computer application courses. Participate in college debates, presentations, and group projects to enhance public speaking and teamwork. Practice basic MS Excel skills for data management.
Tools & Resources
Toastmasters clubs (if available), college communication labs, LinkedIn Learning for soft skill courses, online typing tutors
Career Connection
Effective communication and a confident personality are vital for customer-facing roles, client management, and team collaboration in the banking sector.
Explore Banking Basics & Vocational Courses- (Semester 1-3)
Pay close attention to vocational courses like ''''Banking and Insurance'''' in Semester 3 to gain initial insights into the sector. Start reading financial news and articles to understand current market trends and banking terminology. Visit local bank branches to observe operations.
Tools & Resources
The Economic Times, Business Standard, RBI website, local bank visits, industry magazines
Career Connection
Early exposure provides context for future banking subjects and helps in understanding the real-world application of theoretical knowledge, building industry awareness.
Intermediate Stage
Deep Dive into Banking Electives- (Semester 4-5)
Actively choose and excel in ''''Principles of Banking'''' and ''''Indian Financial System'''' in Semester 5. Supplement classroom learning with advanced readings on banking law, central banking functions, and the intricacies of Indian financial markets. Seek faculty mentorship for specialized topics.
Tools & Resources
RBI publications, NISM workbooks, IIBF study materials, specialized banking journals
Career Connection
Mastering these core banking subjects is critical for roles in credit analysis, treasury operations, retail banking, and understanding regulatory compliance in Indian banks.
Gain Practical Industry Exposure- (Semester 4-5)
Undertake internships at banks, cooperative societies, or financial institutions during summer breaks or as part of the Semester 5/6 project. Actively participate in financial workshops, seminars, and industry expert talks organized by the college or local chapters of professional bodies.
Tools & Resources
College placement cell, internship portals (Internshala, Naukri), local bank networks
Career Connection
Practical experience is highly valued by employers, provides networking opportunities, and helps in applying theoretical knowledge to real-world banking scenarios, making graduates job-ready.
Build Financial Modeling and Analysis Skills- (Semester 5)
Beyond theoretical knowledge, learn basic financial modeling in Excel, analyze company financial statements, and understand investment fundamentals. Consider taking online courses in financial analytics or data analysis relevant to banking.
Tools & Resources
Microsoft Excel, online courses (Coursera, edX on financial modeling), sample financial reports of Indian companies
Career Connection
These skills are essential for roles in corporate finance, investment banking, wealth management, and risk assessment within financial institutions.
Advanced Stage
Focus on Advanced Banking & Global Finance- (Semester 6)
Excel in ''''International Banking and Finance'''' and ''''Financial Markets and Services'''' in Semester 6. Understand global financial trends, foreign exchange dynamics, and advanced financial products. Relate these concepts to India''''s position in the global economy.
Tools & Resources
Bloomberg Terminal (if access available), Wall Street Journal, Financial Times, RBI and SEBI annual reports
Career Connection
This knowledge is crucial for careers in international banking, treasury, trade finance, and roles in multinational corporations or global financial institutions operating in India.
Prepare for Competitive Exams & Placements- (Semester 6)
Start preparing early for banking aptitude tests (IBPS PO/Clerk, SBI PO), NISM certifications (e.g., Equity Derivatives, Mutual Funds), or IIBF certifications. Participate in mock interviews and group discussions to hone interview skills. Regularly update your resume and LinkedIn profile.
Tools & Resources
Online test series for banking exams, NISM/IIBF study guides, career counseling services, college placement workshops
Career Connection
Targeted preparation significantly increases chances of securing coveted positions in public sector banks, private banks, and financial advisory firms post-graduation.
Execute a Capstone Project & Network Effectively- (Semester 6)
Utilize the final semester project/internship as an opportunity to apply all learned concepts to a real-world banking problem. Network with industry professionals through college alumni groups, industry events, and LinkedIn. Seek feedback on your project from industry mentors.
Tools & Resources
LinkedIn, alumni network, industry conferences, professional associations (e.g., FICCI, CII events)
Career Connection
A well-executed project demonstrates practical competence, while networking can open doors to mentorship, job opportunities, and staying abreast of industry developments in the Indian financial sector.
Program Structure and Curriculum
Eligibility:
- Passed 10+2 examination with Commerce subject from a recognized Board/University.
Duration: 3 years / 6 semesters
Credits: 104 (Calculated based on Vikram University B.Com NEP 2020 syllabus credit structure) Credits
Assessment: Internal: 25%, External: 75%
Semester-wise Curriculum Table
Semester 1
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| P-101 | Financial Accounting | Core Major | 4 | Accounting Concepts and Principles, Journal, Ledger, Trial Balance, Final Accounts of Sole Proprietorship, Depreciation Accounting Methods, Rectification of Errors |
| P-102 | Business Environment | Core Major | 4 | Concept of Business Environment, Economic Systems and Policies, Social and Cultural Environment, Technological and Global Environment, Legal and Political Environment |
| F-101 | Hindi Language | Foundation Course | 2 | Hindi Grammar and Vocabulary, Prose and Poetry Analysis, Official Language Usage, Letter and Application Writing, Communication Skills in Hindi |
| F-102 | English Language | Foundation Course | 2 | Grammar and Syntax, Reading Comprehension, Basic Communication Skills, Business Correspondence, Vocabulary Building |
| V-101 | Computer Applications in Business | Vocational Course | 2 | Fundamentals of Computers, MS Office Suite (Word, Excel, PowerPoint), Internet and E-mail Basics, Data Management Concepts, Business Presentation Tools |
| O-101 | Personality Development & Communication Skills | Optional | 2 | Self-Awareness and Self-Esteem, Goal Setting and Time Management, Verbal and Non-Verbal Communication, Interpersonal Skills, Stress Management Techniques |
Semester 2
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| P-201 | Corporate Accounting | Core Major | 4 | Issue and Forfeiture of Shares, Issue and Redemption of Debentures, Final Accounts of Companies, Amalgamation and Absorption of Companies, Valuation of Goodwill and Shares |
| P-202 | Business Regulatory Framework | Core Major | 4 | Indian Contract Act, 1872, Sale of Goods Act, 1930, Negotiable Instruments Act, 1881, Consumer Protection Act, 2019, Partnership Act, 1932 |
| F-201 | Hindi Language - Literary | Foundation Course | 2 | Literary Forms and Genres, Selected Modern Hindi Prose, Selected Modern Hindi Poetry, History of Hindi Literature, Critical Appreciation |
| F-202 | English Language - Advanced | Foundation Course | 2 | Advanced Grammar and Usage, Report Writing and Drafting, Public Speaking and Presentation Skills, Business Correspondence and E-mail Etiquette, Reading and Summarization |
| V-201 | Digital Marketing | Vocational Course | 2 | Introduction to Digital Marketing, Search Engine Optimization (SEO), Social Media Marketing, Content Marketing Strategies, Email Marketing Campaigns |
| O-201 | Entrepreneurship Development | Optional | 2 | Concept of Entrepreneurship, Business Idea Generation, Business Plan Preparation, Startup Ecosystem in India, Sources of Funding for Startups |
Semester 3
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| P-301 | Company Law | Core Major | 4 | Types of Companies and Formation, Memorandum and Articles of Association, Share Capital and Debentures, Company Meetings and Resolutions, Management and Administration of Companies |
| P-302 | Cost Accounting | Core Major | 4 | Nature and Scope of Cost Accounting, Material Costing and Inventory Control, Labour Costing and Wage Payment, Overhead Costing and Absorption, Methods of Costing (Job, Batch, Process) |
| F-301 | Indian Constitution | Foundation Course | 2 | Preamble and Fundamental Rights, Directive Principles of State Policy, Union and State Legislature, Judiciary in India, Constitutional Amendments |
| F-302 | Environmental Studies | Foundation Course | 2 | Ecosystems and Biodiversity, Environmental Pollution (Air, Water, Soil), Natural Resources and Conservation, Environmental Ethics and Laws, Climate Change and Sustainable Development |
| V-301 | Banking and Insurance | Vocational Course | 2 | Functions of Commercial Banks, Types of Banks in India, Basic Principles of Insurance, Types of Life Insurance Policies, General Insurance Products |
| O-301 | NSS / NCC / Ranger-Guide | Optional | 2 | Community Service Activities, Leadership and Discipline, Social Responsibility, National Integration, Youth Development Programs |
Semester 4
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| P-401 | Income Tax Law & Practice | Core Major | 4 | Basic Concepts of Income Tax, Residential Status and Tax Incidence, Heads of Income (Salary, House Property, PGBP), Deductions from Gross Total Income, Computation of Total Income and Tax Liability |
| P-402 | Auditing | Core Major | 4 | Nature and Scope of Auditing, Types of Audit, Audit Procedures and Techniques, Internal Control System, Audit Report and Certificates |
| MIN-C-I | Computerized Accounting System | Minor | 4 | Introduction to Tally ERP.9, Company Creation and Ledgers, Voucher Entry and Accounting Transactions, Inventory Management in Tally, Generating Financial Reports in Tally |
| V-401 | Fundamentals of Entrepreneurship | Vocational Course | 2 | Entrepreneurial Mindset, Opportunity Identification, Sources of Finance for Entrepreneurs, Marketing for Startups, Government Policies for Entrepreneurship |
| O-401 | Cyber Security / Human Rights | Optional | 2 | Basics of Cyber Security, Data Privacy and Protection, Introduction to Human Rights, Universal Declaration of Human Rights, Human Rights in Indian Context |
Semester 5
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| MJ-C-I | Principles of Banking | Major Elective (Banking Specialization) | 4 | Evolution and History of Banking, Functions of Commercial Banks, Reserve Bank of India (RBI) and Monetary Policy, Credit Creation and Banking Operations, E-Banking and Digital Payments |
| MJ-C-II | Indian Financial System | Major Elective (Banking Specialization) | 4 | Structure of Indian Financial System, Money Market Institutions and Instruments, Capital Market Institutions and Instruments, Role of SEBI, IRDA, PFRDA, Financial Sector Reforms in India |
| MN-C-I | Goods and Services Tax (GST) | Minor | 4 | Concept and Scope of GST, Levy and Collection of GST, Input Tax Credit Mechanism, GST Registration and Returns, GST Council and Administration |
| V-501 | Research Methodology | Vocational Course | 2 | Types of Research, Research Design and Hypothesis, Data Collection Methods, Sampling Techniques, Report Writing and Presentation |
| PRO-V | Project / Internship | Project | 6 | Industry Exposure and Practical Learning, Data Collection and Analysis, Project Report Preparation, Problem-Solving Skills, Presentation of Findings |
Semester 6
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| MJ-C-I | International Banking and Finance | Major Elective (Banking Specialization) | 4 | Foreign Exchange Market and Operations, Exchange Rate Determination and Theories, International Financial Institutions (IMF, World Bank), FEMA and Foreign Trade Policy, Export-Import Finance Mechanisms |
| MJ-C-II | Financial Markets and Services | Major Elective (Banking Specialization) | 4 | Indian Money Market Instruments, Indian Capital Market Instruments, Mutual Funds and Portfolio Management, Stock Exchanges and Trading Mechanism, Merchant Banking and Leasing |
| MN-C-I | E-Commerce | Minor | 4 | E-Commerce Business Models, Digital Payment Systems, E-Marketing and Advertising, Cyber Laws and Security Issues, E-Commerce Website Development |
| V-601 | Fundamentals of Investment | Vocational Course | 2 | Investment Avenues and Instruments, Risk and Return Analysis, Portfolio Diversification, Equity and Debt Market Investing, Introduction to Mutual Funds |
| PRO-VI | Project / Internship (Advanced) | Project | 6 | Advanced Industry Project Implementation, Comprehensive Report Writing, Viva-Voce and Presentation, Critical Analysis and Problem Solving, Career Planning and Professional Development |
