HONOURS DIPLOMA IN BANKING AND
FINANCIAL SERVICES (HDBFS)
COURSE DESCRIPTION:
Course -1
FUNDAMENTALS
OF FINANCE
The learner is taken through topics
on Indian financial system and
concept of intermediation, various
financial intermediaries like banks,
insurance companies, mutual funds,
etc. Further the course also equips
the learner with the knowledge of
financial mathematics and
accounting and basics of IT
applications that are relevant to
banking professionals.
Course –5
OVERVIEW OF
INSURANCE
The course 'Overview of Insurance'
introduces the participants to the
fundamental knowledge and skills
needed to become an Insurance
Professional. It aims to acquaint the
participants with the basic concept
and types of Insurance within the
basic framework of regulation
governing or affecting the business.
The participants understand the
basic principles of Risk Management
and Insurance in detail. The
participants also get an overview of
the structure of an Insurance
Organisation and Intermediaries as
also on functions of two main
departments of insurance
organization i.e. underwriting
and claims.
Term - I
Course – 2
OVERVIEW
OF BANKING
This course enables the learner to
understand the concept of money
and banking, the role of banks, and
the channels used to deliver the
various services and products
offered by banks. It also enables the
learner to understand the functions
of the RBI, the monetary policy,
business cycles of economies ,
impact of globalization on the
b a n k i n g s e c t o r, t h e ro l e o f
technology in the banking industry,
among various other topics.
Term - II
Course – 6
OVERVIEW OF
RETAIL BANKING
This course gives the participant an
overview of the retail banking
products and services offered to the
customers. It gives the student an
overview of the different types of
customers, the various retail
banking products and services like
v a r i o u s d e p o s i t s, p ay m e n t s,
remittances, collection and
clearance services, cash
management services,
documentary bill collection, inter-
bank settlements for customers with
multiple accounts and services with
banks etc. It also gives a brief idea of
DEMAT accounts & services and also
different distribution channels
available to a bank
to reach out to customers with their
offerings.
Course – 3
PROFESSIONAL
SKILLS
This course takes the learner
through professional
communication and customer
service by introducing them to
various skills that will assist them in
solving oral and written
communication problems. It also
covers topics on time management,
goals achievement, working in
teams etc. These topics apart from
imparting communication and
professional skills will also enable
the individual to create a shared
understanding of his or her role in
the organization.
Course – 7
MUTUAL FUND
ADVISING
This course gives the learner, the
knowledge and insights required for
them to become better
intermediaries as well as more
informed mutual fund advisors.
Mutual funds are emerging as an
important investment option for the
investing public in India. However,
conceptually and operationally they
are different from other investment
products. The learners need to
understand the working of a mutual
fund and the increasingly diverse
and complex Investment options
brought to them by a large number
of mutual funds. At the end of the
course, the participants will be able
to attempt and clear the AMFI
Mutual Fund Certification Program.
Course – 4
FINANCIAL
PRODUCTS & SERVICES
This course gives the learner an in-
depth knowledge of the products
offered by banks, mutual funds
,insurance companies, and also
takes the learner through topics on
DEMAT, Capital market, Commodity
market, derivatives etc. The course
also equips the learner with the
ability to benchmark one product
against another so that they are in a
position to compare, plan and
advise their customers effectively.
Course – 8
SELLING SKILLS
& TECHNIQUES
This course gives the learner the skill
needed to build businesses in
banking operations like customer
acquisition, building, nurturing and
retaining relationships for mutual
benefit by enhancing customer
delight. In the process, it acquaints
learner with the nuances of selling,
develops selling skills, cultivates the
ability to interact professionally with
customers, and enhances the
capability to influence their
decisions. It covers all critical selling
skills like Listening, Building rapport,
Presentation, Probing, Objection
handling and Closing. In addition,
the course provides learner with the
techniques of teamwork and team
management, thereby enabling
them to work in teams with a shared
understanding of their roles in the
organization.

Course -9
BUSINESS
COMMUNICATION
& PERSONALITY
ENHANCEMENT
This course meets the ever-
increasing demand of effective
business communication skills in
the corporate world. The course
aims to develop influencing and
persuasion skills, enable learners to
learn strategies & process of
business communication. The
Personal Effectiveness module
provides the attitude and skills for
improved performance by giving
students the perspec tive of
Leadership, generating ideas &
ability to creatively solve the
problems, and enhanced
professional behavior through
understanding of Business
etiquettes.
Term - III
Course – 10
PRINCIPLES OF
FINANCIAL
PLANNING
Any knowledge and understanding
must eventually be applied for it to
be productive. This course helps the
learner assess the need of an
investor by understanding the
specific individual requirements
through intensive need analysis,
customer probing , recommending
a portfolio, implementing the plan,
m o n i t o r i n g t h e g row t h a n d
periodical review and rebalancing of
the plan etc. The learner will also be
taken through the implications of
various tax provisions and the
regulatory rules laid down by RBI,
SEBI, IRDA, etc. The learner also gets
advanced inputs on the needs
and requirements of HNIs (High Net
worth Individuals), nuances of
servicing HNIs, special challenges,
and different approaches to wealth
management.
Course – 11
SALES PLANNING
& RELATIONSHIP
MANAGEMENT
This course takes the learner though
the integral part of financial
planning i.e. building and retaining
relationships for mutual benefit and
customer delight and periodic
monitoring and rebalancing of
financial plan. In addition to this, the
course provides the learner with
skills on managing teams, enabling
the individual to create teams with a
shared understanding of their role in
the organization.
Course – 12
APPLICATION
PROJECTS
The learner undertakes an
assignment and a project. The
participants are divided into groups
and allotted a topic relevant to
Banking and Financial Services. The
group collects data from various
sources, evaluates, creates an
executive summary detailing the
relevant information in a systematic
manner and presents it to the class
for knowledge dissemination. They
are guided through the project by a
team of faculty and industry experts.
This project gives them a realistic
experience in being a Banking and
Financial Services professional.

Course -13
RETAIL
BANKING
This course takes the participant through different
aspect of retail market place interaction with the
customer. It gives the student a detailed insight on the
different types of customers, day-to-day activities
including various deposits, payments, remittances,
collection and clearance services, cash management
services, documentary billing collection, inter-bank
settlements for customers with multiple accounts and
services with banks etc. It also gives a detailed insight
into DEMAT accounts & services and into different
distribution channels that a bank undertakes to reach
out to customers with their offerings.
Term - IV
Course – 14
APPLICATION SOFTWARE IN
BANKING OPERATIONS
This course exposes the students to a typical
banking software package solution. The Finacle
Core Banking Solution Software from Infosys is
currently used as the vehicle. The computer
room exercises are scheduled to coincide with
the coverage of the relevant topics in the
classroom and this hands-on-experience helps
the student understand the topics better. The
exercises cover all topics in the foundation and
retail credit courses.
Course – 15
MANAGEMENT
ELECTIVE
The participant would receive inputs on various
aspects of management. The participant can opt
for one of the management electives from
Marketing, Business and HR. The course is
designed to fine tune his knowledge on these
areas and make him ready for better opportunities
in professional career.

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