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SpotEnroll Academy
SpotEnroll Sales and Services Private Limited
Official Course Specification & Vocational Curriculum Guide
Document Ref: SE-SYLLABUS-2026
Published: 14 November 2026
Website: https://spotenroll.in
Payment Portal: razorpay.me/@spotenrollsalesandservicespri
Banking Specialization

Banking Career Programs - Official Syllabus & Curriculum Guide

Structured job-oriented training aligned with leading industry standards and screening evaluation

Total Courses Included2

About Banking Specialization

Retail banking operations, KYC/AML screening, credit appraisal, and RBI compliance frameworks.

Aligned with 2026 hiring requirements
Live proctored screening assessment
Direct corporate interview referrals
Course #1 • Banking12 Weeks Cohort

Banking Operations & Job Specialist

Master retail branch operations, customer KYC/AML screening, clearing cycles, and RBI compliance directives.

Total Upfront Fee₹7,078Includes Exam + 18% GST
Lead Mentor:Rajeshwar Rao, Ex-Chief Manager (Operations), SBI & Banking Compliance Faculty
Assessment Fee:₹999 (One-time)
Certification:Accredited Completion Certificate
Official Payment Link:razorpay.me/@spotenrollsalesandservicespri

Transparent Fee Structure & Taxation

ComponentAmount (INR)Applicability & Notes
1. Base Program Tuition₹4,999Live practical training, LMS access, project reviews, and job interviews
2. Screening Assessment & Capstone Fee₹999Proctored examination, score card, and interview evaluation
3. Statutory GST (18%)₹1,080Government indirect tax with standard GST invoice issued
Total Payable Upfront₹7,078Paid via verified Razorpay portal after applying for assessment

Curriculum Syllabus (6 Modules)

18 Total Lessons
Module 1: Indian Banking Structure & Regulatory Landscape
3 Lessons

Scheduled commercial banks, RBI Master Directions, Banking Regulation Act 1949, and monetary policy operations.

  • 1Overview of Scheduled Commercial Banks & Payment Banks in IndiaPreview
    35 min
  • 2RBI Regulatory Architecture & Branch Statutory Mandates
    40 min
  • 3Banking Ombudsman Scheme & Consumer Protection Norms
    30 min
Module 2: Customer Onboarding, KYC & Anti-Money Laundering (AML)
3 Lessons

Customer Due Diligence (CDD), C-KYC integration, PMLA Act 2002 requirements, and Suspicious Transaction Reporting.

  • 1KYC Document Verification & Officially Valid Documents (OVDs)Preview
    42 min
  • 2Risk Categorization of Accounts (Low, Medium, High Risk)
    38 min
  • 3AML Red Flags, STR/CTR Filings & FIU-IND Reporting Cycles
    45 min
Module 3: Retail Branch Operations & Cash Management
3 Lessons

Cash drawer balancing, counterfeit currency protocols, vault limits, and daily general ledger reconciliations.

  • 1Teller Workstation Operations & Cash Retention Limits
    36 min
  • 2Clean Note Policy, Mutilated Note Processing & Counterfeit Reporting
    34 min
  • 3Day-End Cash Balancing & Discrepancy Reconciliation in CBS
    44 min
Module 4: Clearing, Payment Systems & Digital Settlements
3 Lessons

CTS-2010 cheque truncation, NACH mandates, NEFT, RTGS, IMPS, and UPI switch mechanics.

  • 1Cheque Truncation System (CTS) Grid Workflow & Return Reasons
    38 min
  • 2NEFT & RTGS Structured Financial Messaging System (SFMS)
    42 min
  • 3UPI NPCI Switch Architecture & Chargeback Reconciliations
    40 min
Module 5: Retail Credit Assessment & Loan Documentation
3 Lessons

Evaluating retail loans: personal, home, auto, and gold loans with CIBIL score interpretation.

  • 1CIBIL / Experian Credit Bureau Report Deciphering
    45 min
  • 2Income Appraisal (ITR Form 16 Spreading & FOIR Calculations)
    50 min
  • 3Loan Documentation, Equitable Mortgage & SARFAESI Procedures
    42 min
Module 6: Capstone Simulation & Proctored Assessment
3 Lessons

Real-world 5-day branch simulation with live CBS scenarios, audit verification, and final proctored exam.

  • 1Simulated Day at the Branch: Handling 50 High-Volume Transactions
    60 min
  • 2Comprehensive Mock Branch Audit & Internal Inspection Checklist
    55 min
  • 3Proctored Final Certification Examination
    90 min
Assessment & Certification Roadmap:
Stage 1: Application

Submit profile, academic qualification, and choose examination slot.

Stage 2: Screening Exam

Pay ₹999 exam fee via official Razorpay link and complete test.

Stage 3: Cohort Training

Complete hands-on case studies, live mentor sessions, and capstone project.

Stage 4: Placement Drive

Get verified credentials, resume audit, and interview deployment.

Course #2 • Banking10 Weeks Cohort

Commercial Credit & SME Lending Specialist

Master working capital assessment, CMA data preparation, ratio analysis, and credit sanction appraisal.

Total Upfront Fee₹7,668Includes Exam + 18% GST
Lead Mentor:Anand Deshpande, Former Credit Head, ICICI Bank SME Division
Assessment Fee:₹999 (One-time)
Certification:Accredited Completion Certificate
Official Payment Link:razorpay.me/@spotenrollsalesandservicespri

Transparent Fee Structure & Taxation

ComponentAmount (INR)Applicability & Notes
1. Base Program Tuition₹5,499Live practical training, LMS access, project reviews, and job interviews
2. Screening Assessment & Capstone Fee₹999Proctored examination, score card, and interview evaluation
3. Statutory GST (18%)₹1,170Government indirect tax with standard GST invoice issued
Total Payable Upfront₹7,668Paid via verified Razorpay portal after applying for assessment

Curriculum Syllabus (5 Modules)

15 Total Lessons
Module 1: Financial Statement Spreading & CMA Formulation
3 Lessons

Deconstructing audited Balance Sheets, Profit & Loss accounts, and Fund Flow statements into standardized CMA formats.

  • 1Balance Sheet Analysis & Adjusted Tangible Net Worth (ATNW)Preview
    40 min
  • 2P&L Spreading, Operating Margins & EBITDA Reconciliation
    45 min
  • 3Preparing 5-Year Comparative CMA Projections
    50 min
Module 2: Working Capital Assessment (Fund & Non-Fund Based)
3 Lessons

Cash credit limits, turnover method (Nayak Committee), MPBF (Tandon Committee), and LC/BG structuring.

  • 1Operating Cycle & Cash Conversion Days Computation
    42 min
  • 2Maximum Permissible Bank Finance (MPBF) Calculation Matrix
    48 min
  • 3Structuring Letters of Credit (LC) & Bank Guarantees (BG)
    38 min
Module 3: Term Loan Appraisal & Project Finance
3 Lessons

Debt-Service Coverage Ratio (DSCR), Internal Rate of Return (IRR), sensitivity analysis, and security valuation.

  • 1Calculating Gross & Net DSCR with Amortization Schedules
    46 min
  • 2Project Cost Assessment, Margin Money & Financial Closure
    44 min
  • 3Collateral Valuation, Hypothecation & ROC Charge Creation (Form CHG-1)
    40 min
Module 4: Non-Financial Risk & Governance Appraisal
3 Lessons

Promoter background checks, MCA master data scrutiny, CIBIL commercial reports, and industry benchmark comparison.

  • 1Deciphering CIBIL Commercial & TransUnion CIR Reports
    38 min
  • 2MCA Director Disqualifications, Related Party Scrutiny & Litigations
    42 min
  • 3Conducting Unit Inspection & Stock Audit Verification
    35 min
Module 5: Credit Memo Drafting & Sanction Committee Defense
3 Lessons

Synthesizing the Credit Appraisal Note (CAN), risk mitigants, covenants, and presenting to sanction committees.

  • 1Writing the Executive Credit Proposal & SWOT Matrix
    50 min
  • 2Designing Pre-Sanction & Post-Disbursement Protective Covenants
    38 min
  • 3Capstone Defense: Defending a ₹15 Crore SME Loan Proposal
    75 min
Assessment & Certification Roadmap:
Stage 1: Application

Submit profile, academic qualification, and choose examination slot.

Stage 2: Screening Exam

Pay ₹999 exam fee via official Razorpay link and complete test.

Stage 3: Cohort Training

Complete hands-on case studies, live mentor sessions, and capstone project.

Stage 4: Placement Drive

Get verified credentials, resume audit, and interview deployment.

SpotEnroll Sales and Services Private Limited

Incorporated under the Companies Act, India • Educational & Career Assessment Division

Official verified payment portal: https://razorpay.me/@spotenrollsalesandservicespri

Student Support & Admissions Desk:

Email: admissions@spotenroll.in | support@spotenroll.in

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