Analyze Indian Commercial Banking System

Name: Analyze Indian Commercial Banking System
Rating: 5 (15 reviews)

This course is part of Indian Banking System & Risk Management Specialization

Instructor: EDUCBA

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4 modules

Gain insight into a topic and learn the fundamentals.

15 reviews

8 hours to complete

Flexible schedule

Learn at your own pace

4 modules

Gain insight into a topic and learn the fundamentals.

15 reviews

8 hours to complete

Flexible schedule

Learn at your own pace

What you'll learn

Analyze the structure of the Indian Financial System and RBI’s role.
Differentiate bank types and evaluate commercial banking operations.
Apply credit appraisal and trade finance concepts in real scenarios.

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This course is part of the Indian Banking System & Risk Management Specialization

When you enroll in this course, you'll also be enrolled in this Specialization.

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Gain a foundational understanding of a subject or tool
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There are 4 modules in this course

Learners will analyze the structure of the Indian Financial System, evaluate the regulatory role of the Reserve Bank of India, differentiate various types of banks, examine commercial banking functions, and assess credit appraisal and trade finance mechanisms. By the end of this course, learners will be able to interpret banking operations, compare retail and wholesale banking models, and apply credit evaluation principles used in commercial banks.

This course provides a structured and practical understanding of the Indian Commercial Banking System, moving from foundational concepts to advanced lending and international banking operations. It uniquely integrates regulatory frameworks, banking classifications, financial products, trade finance instruments, correspondent banking accounts, and secured lending methods within one cohesive learning path. Learners will gain industry-relevant knowledge essential for careers in banking, finance, credit analysis, and competitive banking examinations. The course emphasizes conceptual clarity, applied understanding, and real-world banking processes, making it valuable for students, finance professionals, and aspiring banking officers seeking comprehensive expertise in commercial banking operations.

This module introduces the structure of the Indian Financial System and explains the regulatory role of the Reserve Bank of India (RBI). It covers the evolution of banking in India, the need for financial regulation, monetary policy tools, and the classification and structure of banks operating within the Indian banking framework.

What's included

6 videos4 assignments

6 videosTotal 43 minutes

Indian Financial System Overview7 minutes
Need for Regulation & RBI Functions7 minutes
RBI Monetary Policy Tools8 minutes
History of Banking in India6 minutes
Classification of Commercial Banks7 minutes
RRBs & Cooperative Banks Structure8 minutes

4 assignmentsTotal 60 minutes

Financial System & Regulation10 minutes
RBI & Banking Evolution10 minutes
Banking Classification & Structure10 minutes
Foundations of the Indian Banking System30 minutes

This module explores the operational framework of commercial banks, including their primary and secondary functions. It explains retail and wholesale banking models, universal banking concepts, international banking arrangements, and specialized deposit accounts such as NRE, NRO, and FCNR.

What's included

6 videos4 assignments

6 videosTotal 49 minutes

Functions of Commercial Banks7 minutes
Banking Services & Payment Instruments7 minutes
Letter of Credit – Wholesale Banking10 minutes
International Banking Arrangements10 minutes
Universal Banking Concept7 minutes
NRI Deposit Accounts (NRE, NRO, FCNR)9 minutes

4 assignmentsTotal 60 minutes

Core Functions & Services10 minutes
Wholesale & International Models10 minutes
Universal & Retail Banking10 minutes
Commercial Banking Functions & Models30 minutes

This module focuses on lending operations within commercial banks, including retail loans, corporate term loans, working capital finance, factoring services, bank guarantees, and international trade finance instruments such as Letters of Credit and export-import finance.

What's included

6 videos4 assignments

6 videosTotal 42 minutes

Retail Loan Products & Services6 minutes
Term Loans & Working Capital Finance7 minutes
Factoring Services8 minutes
Bank Guarantees10 minutes
Letter of Credit – Trade Finance5 minutes
Export & Import Finance7 minutes

4 assignmentsTotal 60 minutes

Retail & Corporate Lending10 minutes
Corporate Finance Services10 minutes
Trade & Global Banking10 minutes
Lending & Trade Finance30 minutes

This module examines correspondent banking relationships, including Nostro and Vostro accounts, methods of creating charges, types of mortgages, and the structured credit appraisal process based on the Six C’s of credit analysis.

What's included

5 videos3 assignments

5 videosTotal 38 minutes

Nostro & Vostro Accounts4 minutes
Modes of Creating Charges10 minutes
Types of Mortgages10 minutes
Credit Appraisal – Six C’s7 minutes
Credit Appraisal Process7 minutes

3 assignmentsTotal 50 minutes

Global Banking Accounts & Security Creation10 minutes
Mortgage & Credit Evaluation Framework10 minutes
International Accounts & Credit Management30 minutes

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Instructor

Instructor ratings

(15 ratings)

EDUCBA

1,398 Courses305,513 learners

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EDUCBA

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Showing 3 of 15

Reviewed on May 2, 2026

Indian banks have improved significantly with digital initiatives like online banking, mobile banking, and UPI payments.

Reviewed on May 13, 2026

This course offers deep insights into the Indian Financial System and the regulatory role of the RBI. The practical explanations make complex banking concepts easy to understand.

Reviewed on Apr 18, 2026

It includes public sector banks, private sector banks, foreign banks, and regional rural banks, offering a wide range of services to different sections of society.

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Frequently asked questions

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