Banking, Lending & Financial Institutions in India is a structured track of 14 lessons that build a complete, interview-ready understanding of the topic. Work through them in order, then use the quiz and flashcards in each lesson to revise.
What this course covers
- The Structure of Indian Banking: Public, Private & Small Finance Banks - The institutional map of Indian banking and each category's mandate.
- How a Bank Makes Money: Reading a Bank's Financial Statements - Why a lender's financials read differently, and where profit actually comes from.
- Deposits, Low-Cost Balances & the Cost of Funds Battle - Why current and savings balances are fought over, and how deposit mix drives margin.
- Lending Products Across Retail, Small Business, Corporate & Agriculture - The full lending product set, with tenor, security and risk profile for each.
- Credit Appraisal: From Application to Sanction, Step by Step - The appraisal journey: assessment, structuring, security, sanction and monitoring.
- Asset Classification, Bad Loans & Provisioning Norms in India - Early-warning classification, bad loan recognition and provisioning requirements.
- Stressed Asset Resolution & the Insolvency and Bankruptcy Code - The resolution process, timelines, recovery outcomes and the alternatives.
- Global Capital Norms and How India Implemented Them - The international capital accords and the specific Indian implementation and buffers.
- Key Banking Metrics: Margin, Deposit Mix, Bad Loans & Capital Adequacy - Every banking metric with its formula and the range that counts as healthy.
- Non-Bank Lenders: Categories, Regulation & How They Differ from Banks - Non-bank lender categories, the scale-based framework and the funding difference.
- Priority Sector Lending, Financial Inclusion & Microfinance - Priority sector targets, and how inclusion and microfinance lending actually work.
- Digital Banking, Unified Payments & India's Financial Infrastructure - The digital public infrastructure Indian finance now runs on.
- AI in Lending: Underwriting Models, Fraud Detection & Model Risk - Where AI is genuinely deployed in lending, and the model risk regulators focus on.
- Case Study: Comparing Two Indian Lenders on a Single Metric Sheet - Two Indian lenders compared on one sheet, using their latest reported numbers.