Indian Banking Fundamentals: The All-In-One Guide 2025

Understand Indian banking basics to help Customers, Students make informed choices and prepare for exams & interviews.

What you'll learn

Comprehensive Understanding: Learn the fundamentals of Indian banking, loan products, deposit accounts, and the regulatory framework.

Real-World Applications: Discover how to navigate foreign exchange, credit operations, and customer service with ease.

Practical Knowledge: Use real-world examples to understand key banking processes.

Appreciation of the vast field of Indian Banking and various services it offers.

Requirements

No prior experience in Banking or Finance is needed. Basic understanding of English language needed.

Description

Indian Banking Fundamentals: Your Ultimate A-Z Guide (2025 Edition)In today's fast-paced world, understanding the banking sector is more crucial than ever. Yet, most traditional education systems fail to equip individuals with practical knowledge of how banking works, leaving many unaware of their financial rights, banking services, and regulatory frameworks.This course changes that.Welcome to “Indian Banking Fundamentals: The All-in-One A-Z Guide (2025)”, your comprehensive learning path to understanding the Indian Banking System from scratch. Whether you are a customer, aspiring banking professional, business owner, or preparing for banking exams, this course is tailored to equip you with in-depth insights and practical knowledge of the banking ecosystem in India.We’ll cover everything from the role of banks, customer-bank relationships, and deposit products to business loans, RBI regulations, digital banking, and more. By the end of this course, you will confidently navigate banking operations, financial products, loan procedures, regulatory policies, and digital banking innovations with ease.Why Should You Enroll in This Course?1. Learn from a Banking Industry Veteran with 40+ Years of ExperienceYour instructor, Murali Krishna Vepachedu, is a retired Assistant General Manager from State Bank of India (SBI) with over 35 years of core banking experience and 15 years of experience as a banking trainer. His vast expertise spans Retail Banking, Treasury Operations, Audit, Forex, and Banking Compliance, making him the perfect mentor to simplify complex banking concepts for you.You’ll gain real-world insights, industry best practices, and practical banking knowledge directly from someone who has spent a lifetime in the banking industry.2. Real-World Case Studies and Practical ExamplesThe course is enriched with real-world examples, case studies, and practical illustrations to make banking concepts easy to understand and apply. Whether it’s understanding RBI regulations, opening bank accounts, retail loans, business loans, or digital banking, you’ll gain first-hand knowledge on how banks actually operate.3. Updated Curriculum Reflecting Current Banking Trends (2025 Edition)The Indian Banking System is rapidly evolving with new technologies, digital banking, fintech partnerships, and policy changes. This course is constantly updated to reflect the latest changes in banking regulations, RBI guidelines, fintech services, and emerging trends, ensuring you stay ahead of the curve.4.  Structured Learning with Practical InsightsThe course is carefully structured into 18 easy-to-understand sections, allowing you to systematically build your knowledge from fundamentals to practical applications. Every module contains:Practical Tips for dealing with banks.Hands-on insights from real banking operations.Downloadable resources to enhance your learning.Real-world case studies for practical understanding.5.  Comprehensive Support and Q&A SessionsWe understand learning complex banking concepts can be challenging. That’s why you’ll have access to personalized feedback, Q&A sessions, and active discussion forums where you can ask questions, connect with fellow learners, and get direct guidance from the instructor.What Will You Learn in This Course?By the time you complete this course, you’ll gain:1. Clear Understanding of the Indian Banking SystemLearn the structure and functioning of Public Sector Banks, Private Sector Banks, Regional Rural Banks, Cooperative Banks, Small Finance Banks, and Payment Banks.Understand the pivotal role of the Reserve Bank of India (RBI) in regulating the banking sector.Learn how the banking system supports India’s economic growth and financial inclusion.2. Banking Operations and Account HandlingLearn deposit products like savings accounts, fixed deposits, current accounts, NRI accounts, and special deposit schemes.Understand the step-by-step process of opening bank accounts and the documentation required under KYC (Know Your Customer) guidelines.Learn how banks manage cash deposits, withdrawals, cheque clearing, unclaimed deposits, and operational aspects of banking.3. Retail and Business LoansMaster the concepts of Home Loans, Vehicle Loans, Education Loans, and Personal Loans.Learn the regulatory requirements and practical steps for securing Business Loans, Working Capital Loans, Loans Against Property, and MSME loans.Understand the loan sanctioning process, loan terminology, and security requirements.4. Non-Fund-Based Banking FacilitiesExplore essential products like Bank Guarantees, Letters of Credit, and Foreign Exchange Services.Learn how businesses use these facilities for trade finance, exports, and cross-border transactions.5. Customer Rights and Grievance RedressalUnderstand your rights and responsibilities as a banking customer.Learn the process of grievance redressal, dispute resolution, and escalation mechanisms in banks.Discover how to lodge complaints with Banking Ombudsman and other regulatory authorities.6. Digital Banking and Fintech InnovationsLearn how digital banking services like internet banking, mobile banking, and UPI (Unified Payments Interface) are revolutionizing banking in India.Understand the growing role of fintech companies, digital wallets, and banking aggregators in today’s financial ecosystem.7. Government-Sponsored Schemes and Agricultural FinanceGain knowledge about PMEGP, Mudra Loan Scheme, SHG-Bank Linkage, PMJDY, and other government schemes aimed at financial inclusion.Learn about Agricultural Loans, Crop Loans, Kisan Credit Cards, and financing opportunities for farmers and agribusinesses.Who Should Take This Course?This course is perfect for:Banking Aspirants: Preparing for banking exams, interviews, and certification programs like CAIIB, JAIIB, IBPS PO, IBPS Clerk, or SBI PO.Working Professionals: Those working in the financial sector who wish to deepen their understanding of banking operations and regulations.Entrepreneurs & Business Owners: Looking to understand banking products like business loans, working capital, forex services, and credit facilities.General Public/Customers: Those who want to become financially literate, deal confidently with banks, and understand their banking rights.What Sets This Course Apart?Practical Knowledge: Instead of just theories, you’ll get real-world insights based on the instructor’s 40+ years of banking experience.Industry Best Practices: Learn how banking really works in day-to-day operations.Simplified Learning: Complex banking terms and regulations are broken down into easy-to-understand language.Q&A Support: Get direct guidance and answers to your questions from the instructor.Up-to-Date Content: Stay updated with the latest trends in digital banking, RBI guidelines, fintech partnerships, and financial regulations.Course OutcomesBy the end of this course, you will be able to:Confidently interact with banks for personal or business needs.Understand financial products, loans, and deposit accounts in-depth.Prepare effectively for banking exams and interviews with practical knowledge.Leverage digital banking and fintech services to improve your banking experience.Navigate regulatory frameworks, RBI guidelines, and customer service mechanisms with ease.This is not just a theoretical course — it’s a transformational learning experience that will empower you with practical banking knowledge, career-building skills, and real-world applications.So don’t wait — enroll today and take your first step towards mastering the Indian Banking System!

Overview

Section 1: Introduction

Lecture 1 Introduction

Section 2: Role of Banking

Lecture 2 Importance of Banking in Modern world

Lecture 3 Intermediation by Banks

Section 3: Banker Customer Relationship

Lecture 4 Bank & Customer - Definitions & Meanings

Lecture 5 Relationships between customer and banker-1

Lecture 6 Relationships between customer and banker-2

Lecture 7 Tips to Customers

Section 4: Types of Banks in India

Lecture 8 Types of Banks & Public Sector Banks

Lecture 9 Private Sector & Co-operative Banks

Lecture 10 Regional Rural Banks & Small Finance Banks

Lecture 11 Payment Banks & Foreign Banks

Lecture 12 Reserve Bank of India

Lecture 13 Tips to Customers on Selection of Bank

Section 5: Deposit Products

Lecture 14 Demand Deposits -CD & SB

Lecture 15 Term Deposits (FD & RD & Hybrid)

Lecture 16 NRI Deposits-1

Lecture 17 NRI Deposits-2

Lecture 18 Tips to NRI Customers

Section 6: Bank Account Opening

Lecture 19 KYC Guidelines & OVDs

Lecture 20 Documents/Materials Received by Customer & Small Deposit Accounts (BSBD)

Lecture 21 V-CIP & Digital KYC

Lecture 22 Tips to Customers on Account opening

Section 7: Operational Aspects of Deposit accounts

Lecture 23 Modes of Operation

Lecture 24 Unclaimed Deposits & Deceased Accounts

Lecture 25 Cash & Cheque Transactions

Lecture 26 Other Operational Aspects & Tips to Customers

Section 8: Retail Loans

Lecture 27 Home Loans

Lecture 28 Vehicle Loans

Lecture 29 Personal Loans

Lecture 30 Educational Loans

Lecture 31 Other Loans & Tips to Customers on Retail Loans

Section 9: Business Loans

Lecture 32 Working Capital

Lecture 33 Demand Loans & Term Loans

Lecture 34 Loans against Property

Lecture 35 Foreign Currency Loans

Lecture 36 Tips to customers on Business Loans

Section 10: Non Fund-based Facilities

Lecture 37 Bank Guarantee

Lecture 38 Letter of Credit

Lecture 39 Derivative Products

Lecture 40 Tips to Customers on NFB

Section 11: Loan Terminology/Codes/Practices

Lecture 41 Interrest Rates on Loans

Lecture 42 Security for Loans

Lecture 43 Loan Sanction Letter & Charges

Lecture 44 Fair Practices Code for Lenders

Lecture 45 Tips to customers

Section 12: Medium, Small and Micro Enterprises (MSME)

Lecture 46 Classification of MSME

Lecture 47 CGTMSE

Lecture 48 Tips to MSME Customers

Section 13: Agriculture Finance

Lecture 49 Crop Loans

Lecture 50 Finance for Farm Mechanisation

Lecture 51 Finance for Allied Activities

Lecture 52 Agri Enterprise Loan

Lecture 53 Tips for Agricultural Borrowers

Section 14: Govt Sponsored Schemes

Lecture 54 DAY-NRLM - NULM

Lecture 55 PMJDY & PMSBY

Lecture 56 Pradhan Mantri MUDRA Yojana (PMMY)

Lecture 57 PMEGP

Lecture 58 Tips to Customers on Government Schemes

Section 15: Foreign Exchange Services

Lecture 59 Liberalized Remittance Scheme

Lecture 60 Inward Remittances

Lecture 61 Foreign Exchange Rates

Lecture 62 Tips to Forex customers

Section 16: Anciliary Services

Lecture 63 Plastic Money

Lecture 64 Remittance Services

Lecture 65 Sale of other Financial Services

Lecture 66 Safe Deposit Lockers & Articles in Safe Custody

Lecture 67 Tips to customers

Section 17: Other Banking Services

Lecture 68 Internet Banking & Mobile Apps

Lecture 69 Doorstep Banking

Lecture 70 Govt Banking

Lecture 71 Tips to customers

Section 18: Customer Service, Rights & Duties

Lecture 72 Important Customer Service Guidelines

Lecture 73 Duties of Banks

Lecture 74 Customers' obligations

Lecture 75 Tips to Customers

Section 19: Resolution of Grievances/Disputes

Lecture 76 Bank's Internal Mechanism

Lecture 77 RBI's Integrated Ombudsman Scheme & Finance Ministry

Lecture 78 Consumer Forum & Courts

Lecture 79 Right to Information

Lecture 80 Tips to Customers on Complaint Resolution

Section 20: Conclusion

Lecture 81 Conclusion

Existing Bank Customers and customers seeking or Planning to avail Banking Services in India: This course is designed for individuals looking to gain basic understanding of the various banking products and services, enabling them to make informed decisions and confidently interact with banks.,Students Preparing for Banking and Finance Exams: Ideal for those aiming to ace competitive or banking exams and interviews. This course provides a solid foundation in key banking concepts, practices, and regulatory framework required for success.,Banking Students Seeking Comprehensive Knowledge of Indian Banking: Whether new to the field or seeking to deepen their understanding, students will benefit from a thorough overview of Indian banking fundamentals, preparing them for future roles in the industry.,Tech professionals working in Banking and Finance, aiming to acquire basic knowledge of Indian Banking to advance their careers