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Analyze Indian Commercial Banking System

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Analyze Indian Commercial Banking System

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Gain insight into a topic and learn the fundamentals.
5.0

15 reviews

8 hours to complete
Flexible schedule
Learn at your own pace

Gain insight into a topic and learn the fundamentals.
5.0

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.

Details to know

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Recently updated!

April 2026

Assessments

15 assignments

Taught in English

Build your subject-matter expertise

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.
  • Learn new concepts from industry experts
  • Gain a foundational understanding of a subject or tool
  • Develop job-relevant skills with hands-on projects
  • Earn a shareable career certificate

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 videosβ€’Total 43 minutes
  • Indian Financial System Overviewβ€’7 minutes
  • Need for Regulation & RBI Functionsβ€’7 minutes
  • RBI Monetary Policy Toolsβ€’8 minutes
  • History of Banking in Indiaβ€’6 minutes
  • Classification of Commercial Banksβ€’7 minutes
  • RRBs & Cooperative Banks Structureβ€’8 minutes
4 assignmentsβ€’Total 60 minutes
  • Financial System & Regulationβ€’10 minutes
  • RBI & Banking Evolutionβ€’10 minutes
  • Banking Classification & Structureβ€’10 minutes
  • Foundations of the Indian Banking Systemβ€’30 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 videosβ€’Total 49 minutes
  • Functions of Commercial Banksβ€’7 minutes
  • Banking Services & Payment Instrumentsβ€’7 minutes
  • Letter of Credit – Wholesale Bankingβ€’10 minutes
  • International Banking Arrangementsβ€’10 minutes
  • Universal Banking Conceptβ€’7 minutes
  • NRI Deposit Accounts (NRE, NRO, FCNR)β€’9 minutes
4 assignmentsβ€’Total 60 minutes
  • Core Functions & Servicesβ€’10 minutes
  • Wholesale & International Modelsβ€’10 minutes
  • Universal & Retail Bankingβ€’10 minutes
  • Commercial Banking Functions & Modelsβ€’30 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 videosβ€’Total 42 minutes
  • Retail Loan Products & Servicesβ€’6 minutes
  • Term Loans & Working Capital Financeβ€’7 minutes
  • Factoring Servicesβ€’8 minutes
  • Bank Guaranteesβ€’10 minutes
  • Letter of Credit – Trade Financeβ€’5 minutes
  • Export & Import Financeβ€’7 minutes
4 assignmentsβ€’Total 60 minutes
  • Retail & Corporate Lendingβ€’10 minutes
  • Corporate Finance Servicesβ€’10 minutes
  • Trade & Global Bankingβ€’10 minutes
  • Lending & Trade Financeβ€’30 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 videosβ€’Total 38 minutes
  • Nostro & Vostro Accountsβ€’4 minutes
  • Modes of Creating Chargesβ€’10 minutes
  • Types of Mortgagesβ€’10 minutes
  • Credit Appraisal – Six C’sβ€’7 minutes
  • Credit Appraisal Processβ€’7 minutes
3 assignmentsβ€’Total 50 minutes
  • Global Banking Accounts & Security Creationβ€’10 minutes
  • Mortgage & Credit Evaluation Frameworkβ€’10 minutes
  • International Accounts & Credit Managementβ€’30 minutes

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Instructor

Instructor ratings
5.0 (15 ratings)
EDUCBA
1,663 Coursesβ€’338,914 learners

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AS
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Reviewed on May 2, 2026

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

AS
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Reviewed on May 15, 2026

The course is well structured and faculty explained topics in detail.

SK
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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.

Frequently asked questions

To access the course materials, assignments and to earn a Certificate, you will need to purchase the Certificate experience when you enroll in a course. You can try a Free Trial instead, or apply for Financial Aid. The course may offer 'Full Course, No Certificate' instead. This option lets you see all course materials, submit required assessments, and get a final grade. This also means that you will not be able to purchase a Certificate experience.

When you enroll in the course, you get access to all of the courses in the Specialization, and you earn a certificate when you complete the work. Your electronic Certificate will be added to your Accomplishments page - from there, you can print your Certificate or add it to your LinkedIn profile.

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