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BCOM in Banking Finance at SANGAMESHWAR DEGREE COLLEGE
Bagalkote, Karnataka
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About the Specialization
What is Banking & Finance at SANGAMESHWAR DEGREE COLLEGE Bagalkote?
This Banking & Finance program at Sangameshwar Degree College focuses on equipping students with a robust understanding of financial markets, banking operations, investment strategies, and regulatory frameworks crucial for the Indian financial sector. The curriculum is designed to impart both theoretical knowledge and practical skills required to navigate the dynamic world of finance, preparing graduates for a range of roles in banks, financial institutions, and investment firms. It emphasizes contemporary financial practices relevant to India''''s growing economy.
Who Should Apply?
This program is ideal for fresh 10+2 graduates with a commerce background seeking entry into the financial services industry, including banking, insurance, and investment management. It also caters to individuals aiming for entry-level roles in financial analysis, wealth management, or corporate finance. Students with strong analytical skills and an interest in economic trends and financial instruments will find this specialization particularly rewarding, providing a solid foundation for further professional qualifications.
Why Choose This Course?
Graduates of this program can expect to pursue India-specific career paths such as Probationary Officers in public/private banks, Financial Analysts, Investment Advisers, Loan Officers, or back-office executives in wealth management firms. Entry-level salaries typically range from INR 2.5 Lakhs to 5 Lakhs per annum, with significant growth trajectories as experience builds, potentially reaching INR 8-15 Lakhs for experienced professionals. The program also aligns with foundational knowledge required for certifications like NISM and IRDAI examinations.
Student Success Practices
Foundation Stage
Master Core Financial Concepts- (Semester 1-2)
Dedicate time to thoroughly understand foundational subjects like Indian Financial System and Financial Accounting. Create concept maps for inter-connected topics and solve practice problems regularly. Utilizing online resources like Investopedia and financial news portals will enhance real-world understanding.
Tools & Resources
Textbooks, Investopedia, AccountingCoach.com, basic spreadsheet software
Career Connection
A strong foundation is critical for clearing entry-level banking exams and interviews, as it demonstrates conceptual clarity essential for any finance role.
Develop Quantitative and Analytical Skills- (Semester 1-2)
Focus on excelling in Quantitative Analysis for Business. Regularly practice numerical problems, statistical concepts, and data interpretation. Join math clubs or peer study groups to sharpen problem-solving abilities.
Tools & Resources
NCERT Math books (11th/12th), Khan Academy, basic Excel functions
Career Connection
These skills are highly valued in financial analysis, risk management, and any role requiring data-driven decision-making in the finance sector.
Engage in Economic Current Affairs- (Semester 1-2)
Read financial newspapers (e.g., The Economic Times, Business Standard) and follow business news channels daily. Discuss economic trends and their impact on the Indian financial system with peers and faculty. This builds commercial awareness.
Tools & Resources
The Economic Times, Livemint, Moneycontrol.com, Business News TV channels
Career Connection
Demonstrates industry awareness in interviews, helps understand the practical implications of theoretical knowledge, and is vital for roles in financial markets.
Intermediate Stage
Undertake Practical Software & Tool Training- (Semester 3-5)
Learn essential software like advanced Excel for financial modeling, Tally for accounting, and basic data visualization tools. Consider short-term certifications or workshops available locally or online to gain hands-on experience.
Tools & Resources
Microsoft Excel, Tally ERP 9, Power BI (basic), Coursera/Udemy courses
Career Connection
Practical tool proficiency makes students job-ready for finance roles, reducing the learning curve for employers and enhancing employability for internships and placements.
Seek Internships and Industry Exposure- (Semester 3-5)
Actively look for short-term internships or virtual internships with local banks, financial advisory firms, or accounting practices during semester breaks. Even small experiences provide valuable insights into industry operations and networking opportunities.
Tools & Resources
LinkedIn, Internshala, college placement cell, local business directories
Career Connection
Internships are crucial for gaining real-world experience, building a professional network, and often lead to pre-placement offers or preferential hiring.
Participate in Finance-Related Competitions- (Semester 3-5)
Join college-level or inter-collegiate competitions like stock market simulations, business quizzes, case study challenges, or paper presentations focused on finance topics. This hones analytical, presentation, and team-working skills.
Tools & Resources
Virtual stock trading platforms, business news publications, college clubs
Career Connection
Showcases initiative and applied knowledge to potential employers, builds confidence, and adds valuable accomplishments to resumes, especially for investment banking or financial analysis roles.
Advanced Stage
Focus on Specialization Certifications- (Semester 6)
Pursue certifications directly relevant to Banking & Finance, such as NISM certifications (e.g., Equity Derivatives, Mutual Funds), or IRDAI certifications for insurance. These add significant weight to your resume and demonstrate specialized knowledge.
Tools & Resources
NISM, IRDAI study materials, online mock tests
Career Connection
These certifications are often mandatory or highly preferred by employers in specific financial domains, directly leading to better job prospects and higher starting salaries.
Undertake a Comprehensive Project Work- (Semester 6)
Choose a project topic closely related to Banking & Finance (e.g., ''''Impact of Digitalization on Indian Banking'''', ''''Portfolio Performance Analysis of Indian Stocks''''). Ensure thorough research, data analysis, and a well-structured report and presentation.
Tools & Resources
Research papers, financial databases (e.g., NSE, BSE websites), statistical software
Career Connection
A strong project demonstrates independent research capability, analytical skills, and domain expertise, serving as a key talking point in interviews and a portfolio piece.
Intensive Placement Preparation- (Semester 6)
Engage in rigorous preparation for campus placements. This includes aptitude test practice, mock interviews (technical and HR), resume building, and group discussion practice. Seek guidance from faculty and placement cell experts.
Tools & Resources
Online aptitude platforms (e.g., IndiaBix), career counseling services, alumni network
Career Connection
This stage directly prepares you for securing desirable placements in top banks and financial institutions, maximizing your chances of a successful career launch.
Program Structure and Curriculum
Eligibility:
- Passed Pre-University (10+2) course or equivalent examination with Commerce subjects from a recognized board, as per Rani Channamma University norms.
Duration: 3 years / 6 semesters
Credits: 140 Credits (approximate, based on standard BCom CBCS structure of Rani Channamma University) Credits
Assessment: Internal: 20-30% (typically 20 or 30 marks for 100/70 marks papers), External: 70-80% (typically 80 or 70 marks for 100/70 marks papers)
Semester-wise Curriculum Table
Semester 1
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC1.1 | Indian Financial System | Core | 4 | Overview of Financial System, Financial Institutions, Financial Markets, Financial Instruments, Role of RBI |
| BC1.2 | Financial Accounting I | Core | 4 | Introduction to Accounting, Journal and Ledger, Trial Balance, Final Accounts, Consignment Accounts |
| BC1.3 | Principles of Marketing | Core | 4 | Introduction to Marketing, Market Segmentation, Product Life Cycle, Pricing Strategies, Promotion Mix |
| BC1.4 | Business Environment | Core | 4 | Concept of Business Environment, Economic Environment, Socio-Cultural Environment, Technological Environment, Political and Legal Environment |
| BC1.5 | English Language I | Language | 2 | Grammar and Composition, Reading Comprehension, Business Communication, Report Writing, Presentation Skills |
| BC1.6 | Kannada / MIL I | Language | 2 | Regional Language Literature, Grammar, Prose and Poetry, Communicative Skills, Cultural Aspects |
Semester 2
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC2.1 | Financial Accounting II | Core | 4 | Partnership Accounts, Admission and Retirement of Partner, Dissolution of Partnership, Branch Accounts, Departmental Accounts |
| BC2.2 | E-Commerce | Core | 4 | Introduction to E-Commerce, E-Payment Systems, E-Marketing, Cyber Security, Legal Aspects of E-Commerce |
| BC2.3 | Human Resource Management | Core | 4 | HRM Functions, Job Analysis, Recruitment and Selection, Training and Development, Performance Appraisal |
| BC2.4 | Quantitative Analysis for Business I | Core | 4 | Measures of Central Tendency, Measures of Dispersion, Correlation and Regression, Probability, Index Numbers |
| BC2.5 | English Language II | Language | 2 | Advanced Grammar, Creative Writing, Soft Skills, Interview Techniques, Group Discussions |
| BC2.6 | Kannada / MIL II | Language | 2 | Literary Analysis, Critical Thinking, Cultural Heritage, Advanced Communication, Translation |
Semester 3
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC3.1 | Corporate Accounting I | Core | 4 | Issue of Shares and Debentures, Forfeiture and Reissue, Redemption of Debentures, Underwriting of Shares, Amalgamation and Absorption |
| BC3.2 | Company Law | Core | 4 | Company Formation, Memorandum and Articles, Share Capital, Directors and Meetings, Winding Up of Companies |
| BC3.3 | Cost Accounting | Core | 4 | Elements of Cost, Cost Sheet, Material Costing, Labour Costing, Overhead Costing |
| BC3.4 | Entrepreneurship Development | Core | 4 | Concept of Entrepreneurship, Entrepreneurial Process, Business Plan, Sources of Finance, SME Development |
| BC3.5 | Business Taxation | Skill Enhancement Course | 3 | Basic Concepts of Income Tax, Heads of Income, GST Principles, Tax Planning, Compliance |
| BC3.6 | Financial Market Operations | Elective (Relevant to B&F) | 3 | Money Market, Capital Market, Stock Exchanges, SEBI Regulations, Role of Brokers |
Semester 4
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC4.1 | Corporate Accounting II | Core | 4 | Internal Reconstruction, External Reconstruction, Valuation of Shares and Goodwill, Cash Flow Statement, Holding Company Accounts |
| BC4.2 | Income Tax I | Core | 4 | Basic Concepts of Income Tax, Residential Status, Income from Salaries, Income from House Property, Profits and Gains of Business or Profession |
| BC4.3 | Financial Management | Core (Key for B&F) | 4 | Introduction to Financial Management, Time Value of Money, Capital Budgeting, Cost of Capital, Leverages |
| BC4.4 | Auditing | Core | 4 | Principles of Auditing, Types of Audit, Internal Control, Audit Report, Professional Ethics |
| BC4.5 | Business Statistics | Skill Enhancement Course | 3 | Sampling Techniques, Hypothesis Testing, Chi-Square Test, ANOVA, Forecasting |
| BC4.6 | Banking Law and Operations | Elective (Highly Relevant to B&F) | 3 | Banking Regulation Act, Negotiable Instruments Act, Types of Banks, Banker-Customer Relationship, Recent Trends in Banking |
Semester 5
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC5.1 | Income Tax II | Core | 4 | Capital Gains, Income from Other Sources, Clubbing of Income, Set off and Carry forward of Losses, Deductions from Gross Total Income |
| BC5.2 | Management Accounting | Core | 4 | Nature of Management Accounting, Financial Statement Analysis, Ratio Analysis, Fund Flow Statement, Cash Flow Statement |
| BC5.3 | Goods and Service Tax | Core | 4 | Introduction to GST, Levy and Collection of GST, Input Tax Credit, Time and Value of Supply, GST Returns and Refunds |
| BC5.E.1 | Capital Market and Portfolio Management | Specialization Elective | 4 | Primary and Secondary Markets, Security Analysis, Portfolio Theory, Investment Strategies, Performance Evaluation |
| BC5.E.2 | Financial Services | Specialization Elective | 4 | Merchant Banking, Factoring and Forfaiting, Leasing and Hire Purchase, Credit Rating, Mutual Funds |
| BC5.E.3 | Investment Management | Specialization Elective | 4 | Investment Avenues, Risk and Return Analysis, Fundamental Analysis, Technical Analysis, Behavioral Finance |
Semester 6
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC6.1 | Business Research Methods | Core | 4 | Research Design, Data Collection, Sampling, Data Analysis, Report Writing |
| BC6.2 | Project Work | Project | 4 | Problem Identification, Literature Review, Methodology, Data Interpretation, Project Report and Presentation |
| BC6.E.1 | Rural and Co-operative Banking | Specialization Elective | 4 | Structure of Rural Banking, Co-operative Credit Societies, Microfinance, NABARD, Challenges in Rural Finance |
| BC6.E.2 | Insurance and Risk Management | Specialization Elective | 4 | Principles of Insurance, Types of Insurance, Risk Identification, Risk Assessment, Risk Mitigation |
| BC6.E.3 | Derivatives and Risk Management | Specialization Elective | 4 | Forwards and Futures, Options, Swaps, Hedging Strategies, Credit Risk Management |
| BC6.E.4 | Working Capital Management | Specialization Elective | 4 | Management of Cash, Receivables Management, Inventory Management, Financing Working Capital, Working Capital Policies |
