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B-COM in Banking Insurance at SVR College of Commerce and Management Studies
Bengaluru, Karnataka
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About the Specialization
What is Banking & Insurance at SVR College of Commerce and Management Studies Bengaluru?
This Banking & Insurance specialization program at SVR College of Commerce and Management Studies focuses on providing a comprehensive understanding of the financial services sector in India. It delves into the intricacies of banking operations, financial markets, and various insurance products. The program differentiates itself by integrating theoretical knowledge with practical insights relevant to the dynamic Indian financial landscape, preparing students for evolving industry demands.
Who Should Apply?
This program is ideal for fresh graduates seeking entry into the banking, finance, and insurance sectors. It caters to individuals aspiring for roles in commercial banks, investment firms, insurance companies, and financial advisory services. Students with a strong aptitude for numbers, analytical thinking, and an interest in financial instruments will find this specialization particularly rewarding, offering a solid foundation for their professional journey.
Why Choose This Course?
Graduates of this program can expect diverse India-specific career paths, including Bank PO, Financial Analyst, Insurance Advisor, Wealth Manager, and Credit Analyst. Entry-level salaries typically range from INR 3-5 LPA, with experienced professionals earning significantly more. The program aligns with professional certifications like NISM, IRDAI agent licenses, and offers growth trajectories in both public and private sector financial institutions across India.
Student Success Practices
Foundation Stage
Build a Strong Foundation in Core Commerce- (Semester 1-2)
Focus intently on mastering financial accounting, business economics, and core management principles in the initial semesters. Utilize textbooks, online tutorials, and peer study groups to clarify concepts. Participate in basic quizzes and competitions to reinforce learning.
Tools & Resources
NPTEL courses for commerce subjects, Khan Academy, Commerce study guides
Career Connection
A strong base in core commerce subjects is crucial for understanding advanced financial concepts later and excelling in competitive exams like banking PO. This ensures you grasp the fundamentals before specialization.
Enhance Communication and Professional Skills- (Semester 1-2)
Actively participate in English language courses, public speaking events, and group discussions. Practice writing professional emails, reports, and resumes. Join college clubs focused on debates or presentations to overcome stage fear and articulate thoughts clearly.
Tools & Resources
Toastmasters International (if available nearby), Online English grammar tools, LinkedIn Learning for communication courses
Career Connection
Exceptional communication skills are paramount for client interactions, presentations, and interviews in banking and insurance, greatly increasing your employability and growth potential in customer-facing or managerial roles.
Develop Basic Digital Literacy and Data Skills- (Semester 1-2)
Gain proficiency in essential software like MS Excel, Word, and PowerPoint through dedicated skill enhancement courses. Explore basic data entry, spreadsheet management, and presentation techniques. Understand the fundamentals of e-commerce.
Tools & Resources
Microsoft Office Specialist certification, Basic Excel tutorials on YouTube, Google Digital Garage
Career Connection
In today''''s digital financial world, basic computer proficiency and data handling skills are non-negotiable for efficiency, record-keeping, and preliminary data analysis in banking and insurance operations.
Intermediate Stage
Deep Dive into Financial Markets and Regulations- (Semester 3-5)
As specialization subjects begin, focus on understanding the mechanisms of Indian financial markets, banking operations, and regulatory frameworks (RBI, SEBI, IRDAI). Read financial news regularly and follow market trends.
Tools & Resources
Economic Times, Livemint, RBI website, SEBI website, IRDAI website
Career Connection
In-depth knowledge of financial markets and regulatory bodies is critical for roles in investment banking, compliance, and regulatory affairs within financial institutions, giving you an edge in interviews.
Pursue Internships and Industry Projects- (Semester 4-5)
Actively seek out short-term internships during semester breaks or pursue industry-related projects with faculty guidance. These experiences provide practical exposure to banking or insurance operations, client servicing, or market research.
Tools & Resources
College placement cell, Internshala, LinkedIn for internship postings
Career Connection
Internships are vital for gaining practical experience, building a professional network, and understanding corporate culture. They often convert into pre-placement offers or provide strong references for future jobs.
Participate in Financial Quizzes and Case Studies- (Semester 3-5)
Engage in inter-college financial quizzes, business plan competitions, and case study challenges. This hones problem-solving skills, analytical thinking, and the ability to apply theoretical knowledge to real-world financial scenarios.
Tools & Resources
College Commerce Association events, Online financial simulation games, Case study platforms like HBR
Career Connection
Success in such competitions demonstrates analytical prowess, quick thinking, and leadership qualities, which are highly valued in roles like financial advisory, risk assessment, and wealth management.
Advanced Stage
Obtain Relevant Professional Certifications- (Semester 5-6)
Consider pursuing industry-recognized certifications like NISM (National Institute of Securities Markets) modules for capital markets or IRDAI agent licensure for insurance. These add significant weight to your resume.
Tools & Resources
NISM certification portal, IRDAI official website for agent exams, Bankers'''' Institute of Rural Development (BIRD) courses
Career Connection
Certifications validate specialized knowledge and commitment to the field, making you a more attractive candidate for specific roles in stockbroking, mutual funds, or insurance sales and advisory.
Network Extensively and Attend Industry Events- (Semester 5-6)
Attend financial sector seminars, workshops, and webinars organized by industry bodies or professional associations in Bengaluru. Connect with alumni, industry experts, and potential employers. Build a strong professional network.
Tools & Resources
LinkedIn, Industry associations like CII, FICCI events, Financial conferences
Career Connection
Networking opens doors to hidden job opportunities, mentorship, and insights into industry trends, which are crucial for career advancement and staying competitive in the Indian financial services landscape.
Master Quantitative Analysis and Risk Management Tools- (Semester 5-6)
Develop advanced skills in financial modeling, statistical analysis, and risk assessment using software like Excel, R, or Python for data manipulation. Understand how to analyze financial statements and evaluate investment risks.
Tools & Resources
Advanced Excel courses, Coursera/edX for Python/R for finance, Financial Modeling books
Career Connection
Proficiency in quantitative analysis and risk management tools is highly sought after for roles in credit risk, market risk, and investment analysis within banks and insurance companies, commanding better salary packages.
Program Structure and Curriculum
Eligibility:
- Pass in PUC/10+2 or an equivalent examination recognized by Bengaluru City University.
Duration: 3 years (6 semesters)
Credits: 144 Credits
Assessment: Internal: 30%, External: 70%
Semester-wise Curriculum Table
Semester 1
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC101 | Language I (e.g., Kannada/Hindi/Sanskrit/etc.) | Core (Language) | 3 | Prose and Poetry, Grammar, Communication Skills, Cultural Context, Vocabulary Development |
| BC102 | Language II (English) | Core (Language) | 3 | Business Communication, Grammar and Usage, Report Writing, Letter Writing, Comprehension |
| BC103 | Financial Accounting I | Core | 4 | Accounting Concepts and Conventions, Journal and Ledger, Trial Balance, Final Accounts of Sole Trader, Consignment and Joint Venture Accounts |
| BC104 | Indian Financial System | Core | 4 | Structure of Indian Financial System, Money Market, Capital Market, Role of RBI and SEBI, Commercial Banks and NBFCs |
| BC105 | Marketing and Services Management | Core | 4 | Marketing Mix (4Ps), Consumer Behavior, Market Segmentation, Product Life Cycle, Services Marketing |
| BC106 | Skill Based Course - Computer Fundamentals | Skill Enhancement Course (SEC) | 2 | Basic Computer Concepts, MS Office Applications (Word, Excel, PowerPoint), Internet and E-mail, Operating Systems, Computer Networks |
Semester 2
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC201 | Language I (e.g., Kannada/Hindi/Sanskrit/etc.) | Core (Language) | 3 | Literary Criticism, Modern Prose, Official Language Usage, Translation Skills, Creative Writing |
| BC202 | Language II (English) | Core (Language) | 3 | Advanced Business Correspondence, Resume and Cover Letter Writing, Group Discussions, Presentations, Etiquette and Protocol |
| BC203 | Financial Accounting II | Core | 4 | Company Accounts, Issue and Forfeiture of Shares, Issue and Redemption of Debentures, Profit Prior to Incorporation, Accounts of Non-Profit Organizations |
| BC204 | E-Commerce and Digital Marketing | Core | 4 | E-Commerce Business Models, Online Payment Systems, Digital Marketing Channels, Search Engine Optimization (SEO), Social Media Marketing |
| BC205 | Business Economics I | Core | 4 | Demand and Supply Analysis, Elasticity of Demand and Supply, Consumer Behavior Theories, Production Function, Cost Analysis |
| BC206 | Corporate Administration | Core | 4 | Company Formation, Company Meetings, Board of Directors, Winding Up of Companies, Corporate Governance |
Semester 3
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC301 | Language I (e.g., Kannada/Hindi/Sanskrit/etc.) | Core (Language) | 3 | Regional Literature, Contemporary Writings, Literary Movements, Critical Appreciation, Advanced Grammar |
| BC302 | Language II (English) | Core (Language) | 3 | Professional English, Technical Writing, Interview Skills, Public Speaking, Cross-Cultural Communication |
| BC303 | Corporate Accounting I | Core | 4 | Accounting for Amalgamation, Absorption and External Reconstruction, Internal Reconstruction, Valuation of Shares and Goodwill, Employee Stock Option Plans (ESOPs) |
| BC304 | Business Law | Core | 4 | Indian Contract Act, 1872, Sale of Goods Act, 1930, Consumer Protection Act, 2019, Negotiable Instruments Act, 1881, Partnership Act, 1932 |
| BC305 | Human Resources Management | Core | 4 | HR Planning, Recruitment and Selection, Training and Development, Performance Appraisal, Compensation Management |
| BC306 | Stock and Commodity Markets | Core | 4 | Primary and Secondary Markets, Stock Exchanges in India, SEBI Regulations, Mutual Funds and Derivatives, Commodity Market Operations |
Semester 4
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC401 | Language I (e.g., Kannada/Hindi/Sanskrit/etc.) | Core (Language) | 3 | Literary Criticism, Modern Drama, Philosophical Texts, Research Methodology, Advanced Composition |
| BC402 | Language II (English) | Core (Language) | 3 | Academic Writing, Research Paper Presentation, Debate and Discussion, Critical Thinking, Business Ethics |
| BC403 | Corporate Accounting II | Core | 4 | Accounts of Banking Companies, Accounts of Insurance Companies, Holding Company Accounts, Investment Accounts, Liquidation Accounts |
| BC404 | Entrepreneurship Development | Core | 4 | Concept of Entrepreneurship, Business Plan Formulation, Feasibility Analysis, MSMEs and Start-ups, Government Policies for Entrepreneurs |
| BC405 | Cost Accounting | Core | 4 | Cost Concepts and Classifications, Cost Sheet Preparation, Material Costing, Labour Costing, Overhead Costing |
| BC406 | Business Economics II | Core | 4 | Market Structures (Perfect, Monopoly, Oligopoly), Pricing Policies and Strategies, Factor Pricing, National Income Accounting, Inflation and Business Cycles |
Semester 5
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC501 | Taxation I (Income Tax) | Core | 4 | Basic Concepts of Income Tax, Residential Status, Heads of Income (Salaries, House Property), Profits and Gains of Business or Profession, Capital Gains and Other Sources |
| BC502 | Principles and Practice of Auditing | Core | 4 | Types of Audit, Audit Planning and Procedures, Vouching and Verification, Internal Control System, Audit Report and Certificates |
| BC503A | Financial Markets and Services | Elective (Banking & Insurance) | 4 | Indian Financial System, Money Market Instruments, Capital Market Operations, Merchant Banking and Mutual Funds, Financial Services (Factoring, Leasing) |
| BC504A | Principles and Practice of Banking | Elective (Banking & Insurance) | 4 | Types of Banks and Functions, Role of RBI and Monetary Policy, Banker-Customer Relationship, Deposit and Lending Operations, E-Banking Services |
| BC505A | Life Insurance | Elective (Banking & Insurance) | 4 | Principles of Life Insurance, Types of Life Insurance Policies, Underwriting and Premium Calculation, Claims Management, IRDAI Regulations |
| BC506 | Open Elective (e.g., Data Analytics for Business) | Open Elective | 2 | Introduction to Data Analytics, Data Visualization, Basic Statistical Tools, Business Intelligence, Decision Making |
Semester 6
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BC601 | Taxation II (GST & Customs) | Core | 4 | Introduction to GST, Supply under GST, Input Tax Credit, GST Procedure (Registration, Returns), Customs Duty Act |
| BC602 | Management Accounting | Core | 4 | Financial Statement Analysis, Ratio Analysis, Fund Flow and Cash Flow Statements, Budgetary Control, Standard Costing and Variance Analysis |
| BC603A | International Banking and Finance | Elective (Banking & Insurance) | 4 | Foreign Exchange Market, International Monetary System, Offshore Banking, Correspondent Banking, International Financial Institutions |
| BC604A | General Insurance | Elective (Banking & Insurance) | 4 | Principles of General Insurance, Fire Insurance, Marine Insurance, Motor and Health Insurance, Reinsurance and Risk Retention |
| BC605A | Risk Management | Elective (Banking & Insurance) | 4 | Concept and Types of Risk, Risk Identification and Assessment, Risk Control and Financing, Enterprise Risk Management, Derivatives for Risk Hedging |
| BC606 | Project Work / Internship | Project | 4 | Research Problem Formulation, Data Collection and Analysis, Report Writing, Presentation Skills, Industry Application |
