Admissions open Course code: BOP

Certificate in Banking Operations

Learn the day-to-day processes behind a bank branch and its back office

A five-month live online course on how banking work actually gets done — account opening and KYC, cash and teller work, cheque clearing, NEFT/RTGS, deposit servicing, loan documentation, reconciliation and audit — taught through simulated core banking workflows.

5 months · 124 hours
Live online classes on Google Meet
QR-verifiable certificate

Enroll in this course Fee & refund information

Total programme fee: ₹44,999
Duration: 5 months · 124 hours
Next batch: 01 Feb 2027
Seats per batch: 50
Syllabus: 9 modules
Class timings: Monday to Friday, 7:00 PM – 8:15 PM IST

Overview

About this course

Every transaction a customer makes passes through a chain of operational steps — verification, posting, authorisation, reconciliation and record-keeping. This five-month course teaches those steps the way they are followed in Indian bank branches and centralised processing centres, from opening an account to closing a loan.

You will work through simulated core banking workflows, process checklists and case files built on everyday situations: a returned cheque, an RTGS credited to the wrong account, a deceased depositor's claim, an unreconciled ATM entry. The focus throughout is on accuracy, maker–checker discipline and compliance.

How the course runs

Classes are held live on Google Meet from Monday to Friday in the evening, in 75-minute sessions that fit around work or college. Most sessions include a hands-on exercise, and the course ends with a simulated branch day in which you handle a series of operations tasks.

Branch roles, core banking concepts and maker–checker controls
Account opening, KYC, cash, clearing and remittances
Deposit servicing, loan documentation and reconciliation
Fraud prevention, audit readiness and Excel-based MIS

Please note: this is a skill-development course. It does not give access to any live bank system, it is not coaching for bank recruitment exams, and it is not a certification issued or recognised by the RBI, IIBF or any other regulator or bank.

Learning outcomes

By the end of the course you will be able to:

Explain how a core banking system records customers, accounts and transactions under maker–checker control
Complete account opening and KYC checks for individuals, joint holders, minors and business entities
Follow standard procedures for cash receipts and payments, record denominations and recognise counterfeit notes
Process and track cheque clearing, NEFT, RTGS, IMPS and demand draft transactions, including returns
Service deposits — FD and RD booking, renewal, premature closure, TDS, nomination and claim settlement
Prepare loan documentation and disbursement checklists and track EMIs and NACH mandates
Reconcile suspense, ATM and UPI entries and build daily MIS reports in Excel or Google Sheets
Identify operational risks and fraud patterns and keep records ready for internal and concurrent audit

Syllabus

9 modules · approximately 124 hours of live training

Module 1Branch structure and core banking concepts 12 hrs

Roles in a branch and in centralised processing centres; customer IDs, account numbers, general ledger heads and transaction posting. Maker–checker controls, practised in simulated exercises with widely used core banking platforms discussed as examples.

Module 2Account opening and KYC operations 16 hrs

End-to-end account opening for individuals, joint holders, minors, proprietorships, partnerships and companies. CKYC upload, risk categorisation and handling dormant and inoperative accounts.

Module 3Cash and teller operations 14 hrs

Cash receipts and payments, denomination, cash balancing and vault limits. Recognising counterfeit-note security features and exchanging soiled or mutilated notes.

Module 4Clearing, cheques and remittances 16 hrs

CTS cheque clearing, return reasons, Positive Pay and stop-payment requests. Processing NEFT, RTGS, IMPS and demand drafts, and tracing transactions with UTR numbers.

Module 5Deposit servicing and customer requests 14 hrs

Booking, renewing and closing FDs and RDs, TDS and Forms 15G/15H, nomination and standing instructions. Locker operations and the claim settlement process for deceased depositors.

Module 6Loan operations and documentation 16 hrs

Loan documentation, sanction-to-disbursement checks, NACH mandates and EMI servicing. Overdue follow-up, NPA tagging basics, loan closure and issuing no-dues certificates.

Module 7Reconciliation, day-end and MIS reporting 14 hrs

Suspense and sundry accounts, ATM and UPI reconciliation and day-begin/day-end routines. Building MIS reports with pivot tables and lookup functions in Excel or Google Sheets.

Module 8Operational risk, fraud prevention and audit 12 hrs

Common frauds such as cheque alteration, phishing, SIM swap and mule accounts, and the controls that stop them. AML alerts, record keeping and preparing for internal and concurrent audit.

Module 9Simulated branch day and capstone 10 hrs

A full simulated day of operations tasks handled against the clock. You also write a standard operating procedure (SOP) for one process and present it to the batch.

Eligibility

Minimum qualification: Class 12 / Higher Secondary pass (graduates and final-year students are welcome)
Comfort with numbers and attention to detail; no prior banking experience needed
Basic computer skills, including typing and simple spreadsheet work
A laptop or desktop is strongly recommended for the spreadsheet and process exercises

Who should join

Graduates and job seekers interested in branch operations, back-office or processing roles in banks and NBFCs.
Freshers who have joined, or plan to join, a bank, NBFC or business correspondent network and want to learn its processes quickly.
Staff in banking BPO and KPO processes who want to understand the full branch-to-back-office flow.
Commerce students who want practical, process-level knowledge to go with their academic studies.

Assessment & certification

Component	Maximum marks	Minimum required
Weekly process quizzes	20	—
Process and SOP assignments	25	—
Reconciliation and MIS practical	20	—
Simulated branch day (capstone)	35	14
Total	100	50% overall

Minimum attendance required: 75% of sessions held.
On successful completion: Certificate in Banking Operations and a marksheet, after review and approval.

Awarded by Appsgain Technologies on successful completion of the 5-month live online programme, including assessments, and verifiable online with its certificate number or QR code; it is a skill-training certificate, not a bank recruitment qualification or a certification by the RBI, IIBF or any other regulator or bank.

Batches

Choose the batch whose dates and class timings suit you. All times in prashant.

Starts 01 Feb 2027
Open

Batch dates
01 Feb 2027 – 25 Jun 2027

Class timings
Monday to Friday, 7:00 PM – 8:15 PM IST

Seats
50 seats left

Apply by
Apply by 25 Jan 2027

₹44,999 Apply for this batch: Starts 01 Feb 2027

Training schedule

The detailed class timetable is published before the batch begins. Regular timings: Monday to Friday, 7:00 PM – 8:15 PM IST.

Joining links are never shown. Approved applicants with verified payment join each class with its Join button, which opens shortly before the class starts.

Joining online classes

Join from a laptop or desktop so you can follow the process and spreadsheet exercises. Join with your registered name so attendance can be marked.

Questions about this course

Frequently asked questions

Answers to common questions about this course.

What are the class timings, and why are the sessions only 75 minutes long?

Classes run Monday to Friday, 7:00 PM – 8:15 PM IST, live on Google Meet, for 5 months (about 124 hours). Short daily sessions suit process learning: you practise a procedure one day and build on it the next, and the timing fits around a day job or college.

Will I work on a real core banking system?

No live bank system is used. Core banking concepts — customer IDs, ledgers, transaction posting and maker–checker authorisation — are taught through simulated workflows, sample forms and spreadsheets, with widely used platforms discussed as examples. You learn the logic that carries over from one bank's software to another's.

Do I need prior banking experience?

No. Attention to detail and comfort with numbers matter more than experience. Classes are taught in English, with Hindi support where needed. A laptop or desktop is strongly recommended for the reconciliation and MIS exercises.

What if I miss a session?

Notes and practice files are shared with the batch so you can catch up, and you can bring your questions to the next class. A minimum of 75% attendance is required for the certificate, so try to keep missed sessions to a minimum.

What is the fee, and how do I pay?

The total fee shown on this page is for the full 5-month programme, including all live sessions, assessments and the certificate. Payment options and any applicable taxes are explained on the Fees page, and refunds follow our Refund and Cancellation Policy.

Is the certificate recognised by the RBI or IIBF, and will it get me a bank job?

The certificate is issued by Appsgain Technologies when you complete this skill course and pass its assessments, and it can be verified online with its number or QR code. It is not issued or recognised by the RBI, IIBF or any bank, and it is not a recruitment exam qualification. The course builds process skills used in operations roles, but there is no job or placement guarantee.

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