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BACHELOR-OF-COMMERCE in Banking And Finance at Seshadripuram College
Bengaluru, Karnataka
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About the Specialization
What is Banking and Finance at Seshadripuram College Bengaluru?
This Banking and Finance program at Seshadripuram College focuses on equipping students with a robust understanding of the Indian financial landscape, banking operations, investment strategies, and financial markets. It delves into the intricacies of financial institutions, monetary policies, and risk management, preparing graduates for dynamic roles in India''''s rapidly evolving financial sector. The curriculum is designed to meet the growing demand for skilled professionals in banking and allied services.
Who Should Apply?
This program is ideal for 10+2 graduates with a keen interest in finance and economics, aspiring to build careers in the banking, financial services, and insurance (BFSI) sectors. It also suits individuals seeking to understand the Indian financial system comprehensively. Prerequisites typically include a basic aptitude for numbers and an eagerness to learn about financial markets and institutions, making it accessible for freshers seeking entry into this vital industry.
Why Choose This Course?
Graduates of this program can expect to pursue India-specific career paths such as Bank Officers, Investment Analysts, Financial Planners, Credit Analysts, and Wealth Managers. Entry-level salaries typically range from INR 3 LPA to 6 LPA, with significant growth trajectories in leading Indian banks, NBFCs, and fintech companies. The curriculum aligns with requirements for various professional certifications, enhancing employability and fostering growth in roles crucial for India''''s economic development.
Student Success Practices
Foundation Stage
Master Core Accounting and Business Fundamentals- (Semester 1-2)
Dedicate time in Semesters 1 and 2 to build a strong foundation in Financial Accounting, Business Organization, and Indian Financial System. These subjects are pillars for advanced finance courses. Utilize textbooks rigorously, solve practical problems regularly, and attend all practical sessions.
Tools & Resources
Textbooks, solved problem sets, basic accounting software tutorials (e.g., Tally fundamentals)
Career Connection
A solid grasp of fundamentals is crucial for interviews and entry-level roles in accounting and finance departments, as well as for understanding business operations in any banking firm.
Develop Strong Communication and English Skills- (Semester 1-2)
Actively participate in English language classes, focusing on business communication, report writing, and presentation skills. Join college debate clubs or Toastmasters-like groups. Practice spoken English daily to improve fluency and confidence.
Tools & Resources
Grammarly, BBC Learning English, Toastmasters International chapters (if available locally)
Career Connection
Effective communication is paramount in banking and finance for client interaction, team collaboration, and presenting financial reports, directly impacting career progression.
Engage in Early Financial News and Current Affairs- (Semester 1-2)
Start reading financial newspapers (like The Economic Times, Business Standard) and reputable financial news websites (Livemint, Moneycontrol.com) daily. Understand key economic indicators and banking news to develop market awareness from an early stage.
Tools & Resources
The Economic Times app, Moneycontrol.com, Livemint.com
Career Connection
Being informed about current financial events and economic trends is a significant advantage in interviews and demonstrates a genuine interest in the banking and finance sector.
Intermediate Stage
Build Quantitative and Analytical Skills- (Semester 3-4)
Focus intently on subjects like Business Statistics and Quantitative Analysis. Practice problem-solving using Excel for data analysis. Consider pursuing online certifications in Excel for finance or basic data analytics to complement your coursework.
Tools & Resources
Microsoft Excel, Coursera/edX courses on Excel for Finance, statistical software tutorials
Career Connection
Quantitative skills are highly valued in roles like financial analysis, risk management, and investment banking, making you a competitive candidate for specialized roles.
Explore Skill Enhancement and Open Electives Strategically- (Semester 3-4)
Carefully choose Skill Enhancement Courses (SECs) and Open Electives (OEs) that align with Banking and Finance, such as ''''Stock Market Operations,'''' ''''Banking Operations,'''' or ''''E-Banking.'''' This allows for early specialization and practical skill acquisition.
Tools & Resources
NISM certifications (e.g., Equity Derivatives, Mutual Fund Distributors), online courses on stock market basics
Career Connection
Focused elective choices demonstrate genuine interest and provide tangible skills that directly apply to specific job roles within the BFSI sector, enhancing your resume.
Seek Initial Industry Exposure and Networking- (Semester 3-4)
Attend industry seminars, workshops, and guest lectures organized by the college or local financial bodies. Network with alumni working in banking and finance. Consider a short-term, unpaid internship or shadowing opportunity to gain practical insights.
Tools & Resources
LinkedIn, college alumni network, local financial industry events in Bengaluru
Career Connection
Early exposure helps clarify career interests, builds a professional network, and provides valuable content for resume building and interview discussions, leading to better internship and placement opportunities.
Advanced Stage
Deep Dive into Banking and Finance Specialization- (Semester 5-6)
In Semesters 5 and 6, dedicate extra effort to the Discipline Specific Electives (DSEs) like International Banking, Investment Management, and Financial Modelling. Work on case studies, simulations, and group projects relevant to these areas. Actively engage with the nuances of financial markets and instruments.
Tools & Resources
Bloomberg Terminal (if college provides access), financial news aggregators, virtual trading platforms
Career Connection
Mastering these specialized subjects is crucial for securing roles in investment banking, corporate finance, wealth management, and risk analysis. It provides the technical depth recruiters seek.
Undertake a Comprehensive Internship and Project Work- (Semester 5-6)
Secure a meaningful internship (4-8 weeks) at a bank, NBFC, or investment firm. Apply theoretical knowledge to real-world scenarios, contribute actively, and build professional connections. If a project is offered, choose a topic relevant to your specialization and conduct thorough research.
Tools & Resources
College placement cell, internship portals (Internshala, LinkedIn), company career pages
Career Connection
A successful internship is often the fastest track to a pre-placement offer or a strong recommendation. Practical experience is highly valued by Indian recruiters and strengthens your resume significantly.
Intensive Placement Preparation and Skill Refinement- (Semester 5-6)
Start preparing for placements early. Practice aptitude tests, group discussions, and mock interviews. Refine your resume and cover letter, highlighting your specialization, projects, and internships. Focus on improving soft skills like negotiation, teamwork, and leadership.
Tools & Resources
Placement training workshops, online aptitude test platforms (indiabix.com), mock interview sessions
Career Connection
Thorough preparation ensures you convert opportunities into successful placements, securing desirable roles in top Indian and multinational financial institutions and setting a strong foundation for your career.
Program Structure and Curriculum
Eligibility:
- A candidate who has passed the two years Pre-University Examination conducted by the Pre-University Education Board in the State of Karnataka or any other examination considered as equivalent thereto by Bengaluru City University is eligible for admission to this programme.
Duration: 6 Semesters / 3 Years
Credits: Approximately 180-184 credits (based on elective choices) Credits
Assessment: Internal: 30%, External: 70%
Semester-wise Curriculum Table
Semester 1
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC1.1 | Language I (Kannada/Sanskrit/Hindi/Urdu/Telugu/Tamil/Malayalam/French/German/Additional English) | Language | 3 | Grammar, Comprehension, Composition, Literature/Cultural Aspects |
| BC1.2 | Language II (English) | Language | 3 | English for Communication, Reading Skills, Writing Skills, Grammar and Vocabulary |
| BC1.3 | Financial Accounting I | Core | 4 | Introduction to Accounting, Accounting Principles, Journal and Ledger, Trial Balance and Errors, Final Accounts of Sole Trader |
| BC1.4 | Business Organisation and Management | Core | 4 | Nature of Business, Forms of Business Organization, Introduction to Management, Functions of Management, Social Responsibility of Business |
| BC1.5 | Indian Financial System | Core | 4 | Introduction to Financial System, Financial Institutions, Financial Markets, Financial Instruments, Role of RBI |
| BC1.6 | Marketing and Services Management | Core | 4 | Introduction to Marketing, Marketing Environment, Product and Pricing Decisions, Promotion and Distribution, Services Marketing |
Semester 2
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC2.1 | Language I (Kannada/Sanskrit/Hindi/Urdu/Telugu/Tamil/Malayalam/French/German/Additional English) | Language | 3 | Advanced Grammar, Creative Writing, Literary Appreciation |
| BC2.2 | Language II (English) | Language | 3 | Business Communication, Report Writing, Presentation Skills, Official Correspondence |
| BC2.3 | Financial Accounting II | Core | 4 | Accounting for Non-Profit Organizations, Consignment Accounts, Joint Venture Accounts, Royalty Accounts, Hire Purchase and Installment Systems |
| BC2.4 | E-Commerce | Core | 4 | Introduction to E-Commerce, E-Commerce Models, Online Payment Systems, E-Marketing, Cyber Security and Legal Aspects |
| BC2.5 | Corporate Administration | Core | 4 | Company Formation, Memorandum and Articles of Association, Share Capital and Debentures, Company Meetings, Company Law Compliance |
| BC2.6 | Entrepreneurship Development | Core | 4 | Concept of Entrepreneurship, Entrepreneurial Process, Business Plan Preparation, Funding for Start-ups, Government Support for Entrepreneurs |
Semester 3
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC3.1 | Language I (Kannada/Sanskrit/Hindi/Urdu/Telugu/Tamil/Malayalam/French/German/Additional English) | Language | 3 | Language Usage, Critical Analysis, Cultural Contexts |
| BC3.2 | Language II (English) | Language | 3 | Professional English, Advanced Writing, Soft Skills, Interview Techniques |
| BC3.3 | Advanced Financial Accounting | Core | 4 | Branch Accounts, Departmental Accounts, Insolvency Accounts, Amalgamation and Reconstruction, Valuation of Goodwill and Shares |
| BC3.4 | Business Statistics | Core | 4 | Introduction to Statistics, Measures of Central Tendency and Dispersion, Correlation and Regression, Index Numbers, Time Series Analysis |
| BC3.5 | Income Tax I | Core | 4 | Basic Concepts of Income Tax, Residential Status and Tax Incidence, Income from Salaries, Income from House Property, Profits & Gains of Business or Profession |
| BC3.6 | Skill Enhancement Course (SEC) | Elective (Skill Enhancement) | 2 | IT for Business, Computer Application for Business, Stock Market Operations, Banking Operations, Digital Marketing |
| BC3.7 | Open Elective (OE) | Elective (Open) | 3 | Consumer Behaviour, Foreign Trade, Retail Management, E-Banking, Human Resource Management |
Semester 4
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC4.1 | Language I (Kannada/Sanskrit/Hindi/Urdu/Telugu/Tamil/Malayalam/French/German/Additional English) | Language | 3 | Advanced Communication, Public Speaking, Writing for Specific Purposes |
| BC4.2 | Language II (English) | Language | 3 | Critical Reading, Academic Writing, Debate and Discussion, Research Skills |
| BC4.3 | Cost Accounting | Core | 4 | Introduction to Cost Accounting, Cost Concepts and Classification, Material Costing, Labour Costing, Overhead Costing |
| BC4.4 | Quantitative Analysis for Business Decisions | Core | 4 | Linear Programming, Transportation Problem, Assignment Problem, Network Analysis (PERT/CPM), Decision Theory |
| BC4.5 | Income Tax II | Core | 4 | Income from Capital Gains, Income from Other Sources, Clubbing of Income, Set-off and Carry Forward of Losses, Deductions from Gross Total Income, Assessment of Individuals |
| BC4.6 | Skill Enhancement Course (SEC) | Elective (Skill Enhancement) | 2 | Advanced Tally, Financial Software, Soft Skills for Corporate World, Investment Planning, Goods and Services Tax (GST) |
| BC4.7 | Open Elective (OE) | Elective (Open) | 3 | Retail Management, Digital Marketing, Environmental Management, Micro Finance, Tourism Management |
Semester 5
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC5.1 | Corporate Accounting | Core | 4 | Accounting for Share Capital, Debentures, Company Final Accounts, Valuation of Shares, Amalgamation and Absorption |
| BC5.2 | Principles of Auditing | Core | 4 | Introduction to Auditing, Audit Planning and Procedures, Internal Control, Vouching and Verification, Audit Report |
| BC5.3 | Financial Management | Core | 4 | Introduction to Financial Management, Capital Budgeting Decisions, Cost of Capital, Leverage Analysis, Working Capital Management |
| BC5.4 | Goods and Services Tax (GST) | Core | 4 | Introduction to GST, GST Council and Administration, Levy and Collection of GST, Input Tax Credit, GST Procedures and Returns |
| BCDSE5.1 | International Banking | Discipline Specific Elective (Banking and Finance) | 4 | Introduction to International Banking, International Financial Institutions, Foreign Exchange Market, Correspondent Banking, Offshore Banking |
| BCDSE5.2 | Rural and Agricultural Banking | Discipline Specific Elective (Banking and Finance) | 4 | Rural Banking Structure in India, Agricultural Credit Needs, NABARD and Regional Rural Banks, Microfinance Institutions, Rural Development Schemes |
| BCDSE5.3 | Risk Management and Insurance | Discipline Specific Elective (Banking and Finance) | 4 | Introduction to Risk Management, Types of Risks in Banking, Risk Measurement and Mitigation, Principles of Insurance, Types of Insurance (Life, General) |
| BCDSE5.4 | Financial Markets and Services | Discipline Specific Elective (Banking and Finance) | 4 | Indian Financial System Overview, Money Market, Capital Market (Primary and Secondary), Financial Intermediaries, Financial Services (Merchant Banking, Factoring) |
Semester 6
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC6.1 | Management Accounting | Core | 4 | Introduction to Management Accounting, Fund Flow Statement, Cash Flow Statement, Budgetary Control, Standard Costing, Marginal Costing |
| BC6.2 | Business Regulations | Core | 4 | Indian Contract Act 1872, Sale of Goods Act 1930, Negotiable Instruments Act 1881, Consumer Protection Act 2019, Intellectual Property Rights |
| BC6.3 | Marketing Management | Core | 4 | Marketing Process, Market Segmentation, Targeting, Positioning, Product Life Cycle, Pricing Strategies, Promotion and Distribution Channels |
| BC6.4 | Business Research Methods | Core | 4 | Introduction to Business Research, Research Design, Data Collection Methods, Sampling Techniques, Data Analysis and Interpretation, Report Writing |
| BCDSE6.5 | Bank Management | Discipline Specific Elective (Banking and Finance) | 4 | Central Banking and Monetary Policy, Commercial Bank Functions, Credit Management in Banks, Asset-Liability Management, Technology in Banking |
| BCDSE6.6 | Investment Management | Discipline Specific Elective (Banking and Finance) | 4 | Introduction to Investment, Risk and Return Analysis, Security Analysis (Fundamental and Technical), Portfolio Management, Derivatives (Futures and Options) |
| BCDSE6.7 | International Finance | Discipline Specific Elective (Banking and Finance) | 4 | Balance of Payments, Foreign Exchange Rate Determination, International Parity Conditions, Forex Risk Management, International Capital Markets |
| BCDSE6.8 | Financial Modelling and Derivatives | Discipline Specific Elective (Banking and Finance) | 4 | Introduction to Financial Modeling, Spreadsheet Modelling Techniques, Valuation Models, Introduction to Financial Derivatives, Pricing of Forwards, Futures, Options |
