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B-VOC in Banking Operations at University of Delhi
Delhi, Delhi
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About the Specialization
What is Banking Operations at University of Delhi Delhi?
This Banking Operations program at the University of Delhi focuses on equipping students with essential skills and knowledge required for a dynamic career in the Indian financial services sector. It delves into core banking practices, financial markets, regulatory frameworks, and digital banking trends, emphasizing practical application. The curriculum is designed to meet the growing demand for skilled professionals in India''''s expanding banking and financial landscape.
Who Should Apply?
This program is ideal for 10+2 graduates seeking direct entry into banking and finance roles, as well as those looking to build a strong foundation for higher studies in financial management. It caters to individuals passionate about the financial industry, eager to learn practical operational aspects, and aspiring to work in public, private, or cooperative banks, and other financial institutions across India.
Why Choose This Course?
Graduates of this program can expect diverse career paths in commercial banks, investment banks, insurance companies, and fintech firms within India. Entry-level salaries typically range from INR 2.5 Lakhs to 4.5 Lakhs annually, with significant growth potential up to INR 8-12 Lakhs for experienced professionals. The program aligns with certifications like NISM and IIBF, enhancing employability and professional growth trajectories in Indian companies.
Student Success Practices
Foundation Stage
Build Strong Core Banking Fundamentals- (Semester 1-2)
Focus on thoroughly understanding banking principles, financial accounting, and laws. Utilize study groups for collaborative learning and problem-solving. Regularly review concepts and participate in class discussions to solidify foundational knowledge. Aim for conceptual clarity over rote memorization.
Tools & Resources
NCERT Economics and Accountancy books, Basic banking journals/blogs, University library resources
Career Connection
A strong foundation is critical for clearing entry-level banking exams and performing well in initial job roles, ensuring a smooth transition into the financial sector.
Develop Essential Communication & IT Skills- (Semester 1-2)
Actively participate in business communication classes, practice presentation skills, and improve written communication through assignments. Enhance digital literacy by mastering MS Office tools and understanding basic cybersecurity. Explore online tutorials for practical application of software.
Tools & Resources
Grammarly, Microsoft Office tutorials, NPTEL courses on Communication Skills
Career Connection
Effective communication and digital fluency are non-negotiable skills for any role in the modern banking industry, boosting interview performance and workplace efficiency.
Engage with Current Affairs in Finance- (Semester 1-2)
Make it a daily habit to read financial news from reputable Indian sources. Discuss economic trends and banking policies with peers and faculty. This broadens your perspective and keeps you updated on the rapidly evolving financial landscape.
Tools & Resources
The Economic Times, Business Standard, RBI website for reports
Career Connection
Staying updated demonstrates industry awareness, crucial for interviews and understanding the practical implications of theoretical knowledge in a dynamic Indian economy.
Intermediate Stage
Seek Practical Exposure through Internships/Projects- (Semester 3-4)
Actively look for short-term internships or live projects, even unpaid, in local banks, NBFCs, or fintech startups during breaks. This hands-on experience in areas like data analysis, customer service, or back-office operations will be invaluable. Document your learnings diligently.
Tools & Resources
LinkedIn, Internshala, College placement cell
Career Connection
Practical experience is highly valued by employers in India, providing a competitive edge in placements and helping you identify your areas of interest for specialization.
Master Data Analysis and Financial Software- (Semester 3-4)
Deepen your understanding of data analysis techniques taught in the syllabus. Practice extensively with spreadsheet software like Excel for financial modeling and reporting. Explore basic accounting software commonly used in Indian banking for hands-on experience.
Tools & Resources
Microsoft Excel advanced tutorials, Tally (for accounting exposure), Online data analytics courses
Career Connection
Proficiency in data analysis and financial software is a key skill for roles in financial analysis, risk management, and operational efficiency within Indian financial institutions.
Network and Participate in Industry Events- (Semester 3-4)
Attend webinars, workshops, and seminars organized by banking associations (e.g., IIBF, FICCI) or your college department. Network with guest speakers, alumni, and industry professionals. This helps in understanding career opportunities and building professional contacts.
Tools & Resources
IIBF events calendar, College alumni network, Professional networking platforms
Career Connection
Networking opens doors to mentorship, internship leads, and job opportunities, significantly enhancing your prospects in the Indian banking industry.
Advanced Stage
Prepare for Professional Certifications- (Semester 5-6)
Identify and prepare for relevant professional certifications such as NISM (National Institute of Securities Markets) modules for capital markets or certifications from IIBF (Indian Institute of Banking & Finance) like JAIIB/CAIIB. These add significant weight to your resume.
Tools & Resources
NISM study material, IIBF official website and mock tests, Mentorship from faculty
Career Connection
Professional certifications demonstrate specialized knowledge and commitment, making you a preferred candidate for roles in specific areas of banking and finance.
Undertake a Comprehensive Major Project- (Semester 5-6)
Choose a major project topic that aligns with your career interests within banking operations, such as digital banking trends, risk assessment in lending, or a study of financial inclusion initiatives. Conduct thorough research and present your findings professionally.
Tools & Resources
Academic research databases, Industry reports and surveys, Statistical software (if applicable)
Career Connection
A well-executed major project showcases your research, analytical, and problem-solving skills to potential employers, often leading to specific job offers or deeper specialization.
Engage in Rigorous Placement Preparation- (Semester 5-6)
Participate actively in college placement preparation activities, including mock interviews, group discussions, and aptitude tests. Tailor your resume and cover letter for specific banking roles. Practice explaining your projects and internship experiences clearly and concisely.
Tools & Resources
Online aptitude test platforms, Interview preparation guides, Career counseling sessions
Career Connection
Targeted preparation is crucial for success in the competitive campus placement process for banking jobs, maximizing your chances of securing a desirable entry-level position.
Program Structure and Curriculum
Eligibility:
- 10+2 from any recognized Board/University, with a minimum of 40% aggregate marks (as per University of Delhi B.Voc. Admission Bulletin).
Duration: 3 years (6 semesters)
Credits: 148 Credits
Assessment: Internal: 25%, External: 75%
Semester-wise Curriculum Table
Semester 1
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BVOB-101 | Introduction to Banking | Core | 5 | Origin and Evolution of Banking, Types of Banks and Functions, Central Banking (RBI), Commercial Banking Operations, Banking Reforms in India |
| BVOB-102 | Financial Accounting | Core | 5 | Accounting Principles and Concepts, Journal, Ledger, Trial Balance, Preparation of Financial Statements, Depreciation Accounting, Financial Statement Analysis |
| BVOB-103 | Business Communication | Skill Enhancement Course (SEC) | 4 | Principles of Effective Communication, Verbal and Non-verbal Communication, Business Correspondence, Presentation Skills, Interpersonal Skills |
| AECC-1 | Environmental Studies | Ability Enhancement Compulsory Course (AECC) | 4 | Ecosystems and Biodiversity, Natural Resources and Conservation, Environmental Pollution, Global Environmental Issues, Environmental Ethics |
Semester 2
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BVOB-201 | Banking Law and Practice | Core | 5 | Negotiable Instruments Act, Banker Customer Relationship, Types of Accounts, Secured and Unsecured Loans, SARFAESI Act |
| BVOB-202 | Cost Accounting | Core | 5 | Cost Concepts and Classification, Cost Sheet Preparation, Marginal Costing, Standard Costing and Variance Analysis, Budgetary Control |
| BVOB-203 | Digital Fluency for Banking | Skill Enhancement Course (SEC) | 4 | Basics of Computer Systems, Internet and Digital Banking, Cyber Security Fundamentals, Data Privacy and Ethics, MS Office Applications |
| GE-1 | Principles of Microeconomics | Generic Elective (GE) | 6 | Demand and Supply Analysis, Consumer Behavior, Producer Behavior and Costs, Market Structures, Factor Pricing |
Semester 3
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BVOB-301 | Indian Financial System | Core | 5 | Structure of Indian Financial System, Financial Markets (Money & Capital), Financial Institutions (Banks, NBFCs), Financial Instruments, Regulatory Bodies (RBI, SEBI, IRDAI) |
| BVOB-302 | Income Tax Law & Practice | Core | 5 | Basic Concepts of Income Tax, Heads of Income, Deductions and Rebates, Computation of Taxable Income, Assessment Procedures |
| BVOB-303 | Data Analysis for Banking | Skill Enhancement Course (SEC) | 4 | Data Collection and Organization, Descriptive Statistics, Data Visualization (Graphs, Charts), Introduction to Spreadsheet Software, Basic Statistical Tools for Banking |
| GE-2 | Business Statistics | Generic Elective (GE) | 6 | Measures of Central Tendency, Measures of Dispersion, Correlation and Regression, Probability Theory, Time Series Analysis |
Semester 4
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BVOB-401 | Advanced Banking Operations | Core | 5 | Digital Payment Systems (UPI, NEFT, RTGS), Core Banking Solutions (CBS), Lending Operations and Credit Appraisal, Deposit Products and Services, Customer Relationship Management in Banking |
| BVOB-402 | Goods and Services Tax (GST) & Customs Law | Core | 5 | Introduction to GST, Levy and Collection of GST, Input Tax Credit, GST Procedures and Returns, Customs Law Fundamentals |
| BVOB-403 | Personal Financial Planning | Skill Enhancement Course (SEC) | 4 | Financial Goals Setting, Budgeting and Saving, Investment Planning (Stocks, MFs), Insurance Planning, Retirement Planning |
| GE-3 | Principles of Marketing | Generic Elective (GE) | 6 | Marketing Concepts and Environment, Market Segmentation, Targeting, Positioning, Product Life Cycle, Pricing Strategies, Promotion and Distribution Channels |
Semester 5
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BVOB-501 | International Banking & Foreign Exchange | Core | 5 | Introduction to International Banking, Foreign Exchange Market, Exchange Rate Mechanisms, International Trade Finance, Correspondent Banking |
| BVOB-502 | Financial Management | Core | 5 | Objectives of Financial Management, Capital Budgeting Decisions, Working Capital Management, Cost of Capital, Dividend Policy |
| BVOB-503 | Investment Banking | Discipline Specific Elective (DSE) | 6 | Overview of Investment Banking, Mergers and Acquisitions, IPO and Public Issue Management, Underwriting Services, Asset Management |
| BVOB-504 | Minor Project / Internship | Project | 8 | Problem Identification, Research Methodology, Data Collection and Analysis, Report Writing, Presentation Skills |
Semester 6
| Subject Code | Subject Name | Subject Type | Credits | Key Topics |
|---|---|---|---|---|
| BVOB-601 | Rural & Microfinance | Core | 5 | Role of NABARD, Self-Help Groups (SHGs), Microfinance Institutions (MFIs), Financial Inclusion Strategies, Rural Credit and Schemes |
| BVOB-602 | Wealth Management & Insurance | Core | 5 | Introduction to Wealth Management, Portfolio Management, Risk Management and Insurance, Types of Insurance (Life, Non-Life), Estate Planning |
| BVOB-603 | Treasury Management | Discipline Specific Elective (DSE) | 6 | Functions of Treasury, Liquidity Management, Funds Management, Risk Management in Treasury, Money Market Operations |
| BVOB-604 | Major Project | Project | 8 | In-depth Industry Research, Advanced Data Analysis, Critical Thinking and Problem Solving, Project Implementation and Evaluation, Professional Report and Presentation |
