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B-COM in Banking at Swami Ramanand Teerth Marathwada University
Nanded, Maharashtra
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About the Specialization
What is Banking at Swami Ramanand Teerth Marathwada University Nanded?
This B.Com program at Swami Ramanand Teerth Marathwada University, Nanded, offers a robust foundation in commerce with a specialized pathway in Banking. It focuses on equipping students with essential knowledge in Indian banking systems, operations, and emerging digital trends. The curriculum is designed to meet the growing demand for skilled professionals in India''''s dynamic financial and banking sector, providing in-depth understanding and practical applications.
Who Should Apply?
This program is ideal for 10+2 graduates aspiring to a career in the Indian banking and finance industry. It suits individuals seeking entry-level roles in commercial, cooperative, or rural banks, and those aiming for positions in financial institutions. It also benefits those looking to pursue higher education in finance or prepare for competitive banking examinations in India, offering a strong career launchpad.
Why Choose This Course?
Graduates of this program can expect to secure entry-level positions in public and private sector banks, financial services companies, and microfinance institutions across India. Potential roles include Probationary Officer, Bank Clerk, Financial Analyst, or Credit Officer. Entry-level salaries typically range from INR 2.5 LPA to 5 LPA, with significant growth trajectories in this expanding sector, promising a rewarding career path.
Student Success Practices
Foundation Stage
Solidify Accounting and Economic Fundamentals- (Semester 1-2)
Focus rigorously on Financial Accounting and Business Economics to build a strong theoretical base. Regularly practice journal entries, ledger posting, and apply economic theories to real-world scenarios. Utilize online resources like Khan Academy for conceptual clarity and solve numerical problems from standard textbooks and previous year question papers.
Tools & Resources
T.S. Grewal (Accounting), H.L. Ahuja (Economics), University Library Resources, Peer Study Groups, Khan Academy
Career Connection
A strong foundation in accounting and economics is crucial for understanding advanced financial and banking concepts, essential for future roles in financial analysis, auditing, and bank operations.
Develop Essential Business Communication and IT Skills- (Semester 1-2)
Actively participate in communicative English sessions to enhance verbal and written skills, which are vital for customer interaction and professional correspondence in banking. Master MS Office (especially Excel for data analysis and Word for reports) and basic Tally ERP for practical business applications. Seek out opportunities for public speaking.
Tools & Resources
Toastmasters-style clubs, Online English proficiency tests, YouTube tutorials for MS Office and Tally, College computer labs, Business news articles
Career Connection
Strong communication and digital literacy are critical for client-facing roles, efficient back-office operations, and effective data handling, making you a more versatile candidate in the modern banking sector.
Engage in Early Project-Based Learning- (Semester 1-2)
Utilize the internship/project modules to explore business organization structures, local market surveys, or mini-case studies related to financial services. Focus on developing skills in data collection, basic analysis, and concise report writing. This builds practical research acumen and understanding of diverse business environments.
Tools & Resources
College faculty mentors, Local small businesses for mini-projects, Online survey tools (e.g., Google Forms), Basic statistical functions in Excel
Career Connection
Early exposure to project work develops critical problem-solving skills and provides practical insights into business operations, laying a crucial groundwork for future internships and real-world banking challenges.
Intermediate Stage
Deep Dive into Indian Banking System and Operations- (Semester 3-5)
Systematically study the Indian Banking System, Principles & Practices of Banking, Banking Operations, and International Banking. Follow banking news, analyze RBI regulations, and research case studies of Indian banks. Consider pursuing short-term certifications relevant to banking to enhance practical knowledge.
Tools & Resources
RBI website, Financial newspapers (Economic Times, Business Standard), NISM Certifications (e.g., Equity Derivatives, Mutual Funds), Online banking courses (e.g., Coursera, NPTEL)
Career Connection
This direct and specialized knowledge is indispensable for roles like Probationary Officer, Bank Teller, or Relationship Manager, requiring a thorough understanding of banking products, services, and regulatory frameworks.
Build Financial Management and Investment Acumen- (Semester 3-5)
Master concepts of Financial Management, Cost Accounting, and Auditing. Start understanding various investment avenues and the intricacies of risk-return trade-offs. Participate in mock stock trading games or college investment clubs to apply theoretical knowledge in a practical, simulated environment.
Tools & Resources
Investing.com, StockGro app, NSE Academy resources, Financial news portals, Guest lectures from financial professionals, Annual Reports of Companies
Career Connection
Essential for roles in wealth management, credit analysis, financial planning, and investment advisory, providing a significant competitive edge in interviews and career progression in the financial sector.
Pursue Skill-Enhancement Certifications & Workshops- (Semester 3-5)
Beyond academics, acquire practical skills through workshops on E-Filing & Taxation or Cyber Security. Actively seek out short-term certifications in financial modeling, advanced Excel, or basic data analytics, which are highly relevant and sought after in the banking and finance sector.
Tools & Resources
NISM certifications, Coursera courses on Excel/Financial Modeling, Local training institutes for Tally/GST, College-organized workshops and seminars
Career Connection
These practical skills and certifications make candidates highly employable for back-office operations, compliance, taxation, and specific finance roles, demonstrating initiative and specialized, industry-relevant knowledge.
Advanced Stage
Focus on Digital and Rural Banking Trends- (Semester 6)
Thoroughly study Digital Banking and Rural Banking, recognizing their growing importance in India''''s financial landscape. Research emerging technologies like AI/ML in finance and critically analyze government initiatives for financial inclusion. Stay updated on Fintech innovations and their impact on traditional banking models.
Tools & Resources
Fintech conferences/webinars, Reports from NITI Aayog/RBI on financial inclusion, Case studies of payment banks and small finance banks, Online articles and journals on digital transformation in banking
Career Connection
Prepares graduates for roles in rapidly evolving areas like digital transformation, fintech partnerships, and microfinance, which are key growth sectors in Indian banking, ensuring future career relevance and adaptability.
Intensive Placement Preparation and Networking- (Semester 6)
Actively participate in campus placements, mock interviews, and group discussions organized by the university. Refine your resume and LinkedIn profile to highlight banking-specific skills and internships. Network proactively with alumni and industry professionals through career fairs, informational interviews, and professional platforms.
Tools & Resources
University placement cell, LinkedIn, Online interview preparation platforms (e.g., PrepInsta, GeeksforGeeks for aptitude), Alumni network events, Professional networking sites
Career Connection
Directly leads to securing desirable jobs in the banking and financial services sector, leveraging the comprehensive skills and knowledge gained throughout the degree and maximizing career opportunities.
Master Business Research and Data Analytics for Strategic Insights- (Semester 6)
Develop strong research skills by working on complex projects related to current banking trends, financial market analysis, or customer behavior in banking. If chosen, deeply engage with Data Analytics for Business to interpret large financial datasets and make informed strategic decisions, presenting findings clearly.
Tools & Resources
SPSS, R, or Python (for data analysis), Financial databases (e.g., CMIE Prowess, Bloomberg terminal if available), Academic journals on finance and banking, Data visualization tools
Career Connection
Equips graduates for analytical roles in market research, credit risk assessment, fraud detection, and financial strategy, providing a competitive edge in data-driven decision-making roles within banks and financial institutions.
Program Structure and Curriculum
Eligibility:
- HSC (10+2) or equivalent examination from any recognized board.
Duration: 6 semesters / 3 years
Credits: 132 Credits
Assessment: Internal: 25%, External: 75%
Semester-wise Curriculum Table
Semester 1
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| DSC-1A | Financial Accounting - I | Core | 4 | Introduction to Accounting, Accounting Principles, Journal and Ledger, Trial Balance, Final Accounts of Sole Proprietorship |
| DSC-1B | Business Economics - I (Micro) | Core | 4 | Introduction to Business Economics, Demand Analysis, Supply Analysis, Production Analysis, Market Structures |
| DSC-1C | Business Organization & Management | Core | 4 | Nature & Scope of Business, Forms of Business Organization, Introduction to Management, Planning & Decision Making, Organizing & Staffing |
| AECC-1 | Environmental Studies | Ability Enhancement Compulsory Course | 2 | Multidisciplinary Nature of Environmental Studies, Ecosystems, Biodiversity, Environmental Pollution, Human Population and Environment |
| SEC-1 | Computer Applications in Business - I | Skill Enhancement Course | 2 | Computer Fundamentals, Operating System, MS Word, MS Excel, Internet & Email |
| VAC-1 | Digital Marketing | Value Added Course | 2 | Introduction to Digital Marketing, Search Engine Optimization (SEO), Social Media Marketing, Email Marketing, Content Marketing |
| INT-1 | Internship/Apprenticeship/Project - 1 | Internship/Project | 4 | Project Identification, Literature Review, Data Collection Methods, Basic Data Analysis, Report Writing |
Semester 2
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| DSC-2A | Financial Accounting - II | Core | 4 | Accounting for Depreciation, Branch Accounts, Departmental Accounts, Hire Purchase & Installment System, Royalty Accounts |
| DSC-2B | Business Economics - II (Macro) | Core | 4 | Introduction to Macroeconomics, National Income, Theory of Employment, Inflation, Monetary and Fiscal Policies |
| DSC-2C | Business Statistics | Core | 4 | Introduction to Statistics, Measures of Central Tendency, Measures of Dispersion, Correlation Analysis, Regression Analysis |
| AECC-2 | Communicative English | Ability Enhancement Compulsory Course | 2 | Basics of Communication, Listening Skills, Speaking Skills, Reading Comprehension, Writing Skills |
| SEC-2 | Computer Applications in Business - II | Skill Enhancement Course | 2 | MS PowerPoint, Tally ERP 9, E-Commerce Concepts, Cyber Security Basics, Cloud Computing Overview |
| VAC-2 | Entrepreneurship Development | Value Added Course | 2 | Concept of Entrepreneurship, Entrepreneurial Motivation, Small Business Management, Project Report Preparation, Government Schemes for Entrepreneurs |
| INT-2 | Internship/Apprenticeship/Project - 2 | Internship/Project | 4 | Project Identification, Literature Review, Data Collection Methods, Basic Data Analysis, Report Writing |
Semester 3
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| DSC-3A | Corporate Accounting - I | Core | 4 | Share Capital, Debentures, Redemption of Debentures, Underwriting of Shares, Valuation of Goodwill and Shares |
| DSC-3B | Indian Banking System | Discipline Specific Core (Banking Specialization) | 4 | Evolution of Banking in India, Reserve Bank of India (RBI), Commercial Banks, Cooperative Banks, Regional Rural Banks (RRBs) |
| DSC-3C | Financial Management - I | Core | 4 | Introduction to Financial Management, Time Value of Money, Capital Budgeting Decisions, Cost of Capital, Working Capital Management |
| AECC-3 | Foundation Course - III (Indian Culture, Heritage, Values) | Ability Enhancement Compulsory Course | 2 | Indian Culture and Heritage, Values and Ethics, Art and Architecture, Philosophy and Religion, Science and Technology in Ancient India |
| SEC-3 | E-Filing & Taxation - I | Skill Enhancement Course | 2 | Income Tax Fundamentals, Heads of Income, Deductions under IT Act, Assessment of Individuals, PAN & TAN |
| VAC-3 | Human Rights | Value Added Course | 2 | Concept of Human Rights, Universal Declaration of Human Rights, Human Rights in India, National Human Rights Commission, Role of NGOs & Human Rights |
| INT-3 | Internship/Apprenticeship/Project - 3 | Internship/Project | 4 | Project Identification, Literature Review, Data Collection Methods, Basic Data Analysis, Report Writing |
Semester 4
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| DSC-4A | Corporate Accounting - II | Core | 4 | Accounting for Amalgamation, Absorption and Reconstruction, Consolidated Financial Statements, Valuation of Shares, Liquidation of Companies |
| DSC-4B | Principles and Practices of Banking | Discipline Specific Core (Banking Specialization) | 4 | Banker-Customer Relationship, Types of Bank Accounts, Negotiable Instruments, Lending Principles and Practices, Modern Banking Services |
| DSC-4C | Financial Management - II | Core | 4 | Capital Structure Theories, Dividend Policy, Sources of Long-Term Finance, Mergers and Acquisitions (M&A), International Financial Management |
| AECC-4 | Foundation Course - IV (National Service Scheme) | Ability Enhancement Compulsory Course | 2 | Introduction to NSS, Community Service Initiatives, Social Issues and Awareness, Disaster Management Activities, Youth Leadership Development |
| SEC-4 | E-Filing & Taxation - II | Skill Enhancement Course | 2 | GST Fundamentals, Input Tax Credit (ITC), GST Registration Process, GST Returns Filing, Customs Duty |
| VAC-4 | Skill Development | Value Added Course | 2 | Communication Skills, Time Management, Stress Management, Conflict Resolution, Leadership Skills |
| INT-4 | Internship/Apprenticeship/Project - 4 | Internship/Project | 4 | Project Identification, Literature Review, Data Collection Methods, Basic Data Analysis, Report Writing |
Semester 5
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| DSC-5A | Cost Accounting | Core | 4 | Introduction to Cost Accounting, Cost Concepts & Classifications, Material Costing, Labour Costing, Overhead Costing |
| DSC-5B | Auditing | Core | 4 | Introduction to Auditing, Types of Audit, Internal Control System, Audit Procedures, Audit Report |
| DSE-5A | Banking Operations | Discipline Specific Elective (Banking Specialization) | 4 | Deposit Products, Loan Products, Payment Systems in India, Clearing and Settlement Mechanisms, Customer Service in Banking |
| DSE-6A | International Banking | Discipline Specific Elective (Banking Specialization) | 4 | Foreign Exchange Market, International Payment Methods, Correspondent Banking, EXIM Finance, Risks in International Banking |
| SEC-5 | Investment Management | Skill Enhancement Course | 2 | Investment Avenues, Risk & Return Analysis, Portfolio Management, Stock Market Operations, Mutual Funds |
| VAC-5 | Professional Ethics | Value Added Course | 2 | Ethical Theories, Business Ethics, Corporate Governance, Whistleblowing, Corporate Social Responsibility |
| INT-5 | Internship/Apprenticeship/Project - 5 | Internship/Project | 2 | Project Identification, Literature Review, Data Collection Methods, Basic Data Analysis, Report Writing |
Semester 6
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| DSC-6A | Management Accounting | Core | 4 | Introduction to Management Accounting, Budgetary Control, Standard Costing, Marginal Costing, Fund Flow & Cash Flow Statement |
| DSC-6B | Entrepreneurship Development | Core | 4 | Concept of Entrepreneurship, Entrepreneurial Process, Business Plan Preparation, Sources of Finance for Startups, Government Policies for SMEs |
| DSE-7A | Rural Banking | Discipline Specific Elective (Banking Specialization) | 4 | Rural Financial Institutions, Microfinance, Agricultural Finance, Government Schemes for Rural Development, Financial Inclusion Strategies |
| DSE-8A | Digital Banking | Discipline Specific Elective (Banking Specialization) | 4 | Internet Banking, Mobile Banking & UPI, Blockchain in Banking, Artificial Intelligence in Banking, Cyber Security in Digital Banking |
| SEC-6 | Data Analytics for Business | Skill Enhancement Course | 2 | Introduction to Data Analytics, Data Visualization, Statistical Tools for Business, Predictive Modeling Basics, Business Intelligence Concepts |
| VAC-6 | Foreign Language | Value Added Course | 2 | Basic Grammar of Chosen Language, Vocabulary Building, Conversational Skills, Reading & Writing Practice, Cultural Aspects |
| INT-6 | Internship/Apprenticeship/Project - 6 | Internship/Project | 2 | Project Identification, Literature Review, Data Collection Methods, Basic Data Analysis, Report Writing |
