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CBSE class 11 syllabus for Banking & Insurance

Syllabus for Banking & Insurance for class 12 has been released by CBSE for the session 2016-17. A new curriculum for the same is uploaded on CBSE official website. We at myCBSEguide have posted all the details regarding syllabus pattern, marking scheme of CBSE and practical subjects.

This subject comes under vocational courses and it will be beneficial for all. Those who aspires to prepare for banking examination can gather all the basics of banking and insurance at higher secondary level. We also recommend to visit our article on Vocational courses.

 

BANKING

THEORY

Time: 3 Hours Marks: 60

  1. Ancillary Services of Banks (10 MARKS)

Safe custody of valuables.

Lockers.

Remittances – RTGS/NEFT/Drafts.

Fee based services- Issuing Guarantees and letters of credit.

Selling Third Party Products- Insurance and Mutual fund units.

Credit Cards, Debit Cards.

Brokerage and Demit Services.

  1. Innovations in Banking Technology (10 MARKS)

Bank Computerization.

Core Banking.

Online Banking.

Mobile Banking.

Internet Banking.

ATMs.

  1. Organization of a Bank Branch (10 MARKS)

Bank Branch Set up, Strong Room.

Front Office, Back Office.

Security Arrangements in Bank.

Clearing Houses.

  1. Basics of Business Mathematics (10 MARKS)

Calculation of simple interest and Compound Interest.

Calculations of interest on fixed rate and Floating rate.

Calculation of EMIs.

Calculations of interest on Savings Accounts.

Calculations of date of maturity of bills of exchange.

  1. Reserve Bank of India Regulations on Banks (10 MARKS)

Cash Reserve Ratio.

Statutory Liquidity Ratio.

Bank Rate.

Repo Rate.

Reverse Repo Rate.

Base Rate.

  1. Performa of Final Accounts of Banking Companies (10 MARKS)

Profit & Loss Account and Balance Sheet.

PRACTICAL

Time: 2 Hours Marks: 40

  1. Visit any nearest Bank branches which is nearer to your residence.

(a) Collect details of different modes of transferring funds from one person to another. Collect samples

documents forms for each of such modes of transfer.

(b) Tabulate the advantages and disadvantages of each mode of the payment system.

  1. Download the Balance Sheets of a Public-Sector Bank and a Private Sector Bank as on 31st

March of the current year from their websites.

(a) Compare the composition of their Deposits – Percentage of demand deposits to the total deposits, and percentage of Time Deposits to the total deposits, cost of deposits in % in both the banks and comment which bank is better managed from profit point of view.

(b) Composition of their loans, total interest earned on loans and comment on the profitability of the banks.

  1. Viva (10 MARKS)

 

INSURANCE

 

THEORY

Time: 3 Hours Marks: 60

Unit-1: General Insurance (15 MARKS)

Meaning and importance of General Importance.

Different types of General Insurance.

(i) Fire Insurance.

(ii) Marine Insurance.

(iii) Motor Vehicle Insurance.

(iv) Medi-Claim Insurance.

(v) Accident Insurance.

(vi) Burglary and Theft Insurance.

(vii) Present Organizational set up of General Insurance companies in India – GICI – its subsidiaries,

Private Companies.

(viii) Principles of General Insurance – Insurable Interest, Indemnity, subrogation, good faith.

Unit-2: Fire Insurance 10 (MARKS)

Types of Fire Insurance Polices – Their main features and clauses.

Meaning & Significance of Average Clause.

Procedure for taking Fire Insurance Policies and settlement of claims.

Unit-3: Marine Insurance (10 MARKS)

Three types of Marine insurance – Cargo Insurance, Hull Insurance and Freight Insurance.

Types of Policies.

Clauses of a Marine Insurance Policy.

Marine losses.

Unit-4: Motor Vehicle Insurance (10 MARKS)

Types of Polices and Risks Covered therein.

Procedure for obtaining motor Insurance Policy.

Settlement of claims.

Unit-5: Medi-Claim and Accident Insurance (5 MARKS)

Important conditions of such Polices and Benefits available therein, Procedure for claims.

Unit-6: Burglary and Theft Insurance (10 MARKS)

Need for such Insurance.

Information to be furnished and procedure to be follow.

Recovering the claims.

 

PRACTICAL

Time: 2 Hours Marks: 40

  1. Create detailed profiles of five of your neighbours and friends, in terms of their demographics, risk appetite and insurance requirements.
  2. Prepare a comprehensive report for each of these individuals covering the following:

(a) Insurance products best suited for their requirements and give the rationale for the same.

(b) Detail the regulatory aspects of each of the recommended types of insurance from an investor protection

point of view.

(c) List the documents to be submitted for applying for each type of insurance and help them fill out the

application form. You can obtain sample application forms from the websites of any of the leading general

insurance providers in India.

(d) Explain the procedure along with requirements for claiming insurance at the time of occurrence of the insured event.

  1. Viva

 

CLASS–XII

GENERAL FOUNDATION COURSE

Time: 3 Hours Marks: 100

Part–I: (Compulsory to all Vocational Courses) Marks: 50

  1. Business Management and Entrepreneurship (30 MARKS)

Management of Business

Elementary treatment/exposure to basic conceptual frame work of the topic listed below:

(a)Basic Function.

(b) Marketing Management.

(c) Financial Management.

(d) Production Management.

(e) Personnel Management.

  1. Computational Skills (10 MARKS)
  2. (a) Solution of linear equations and their application to problem of commercial mathematics. 5

(b) System of linear equations and in equation in two variables. Applications in formation of simple linear programming problems.

  1. Statistics: Raw data, bar charts and Histogram; Frequency Tables; Frequency Polygon; Ogive; Menu,

Median and Mode of ungrouped and grouped data; Standard Deviation; Introduction to Mortality tables; Price Index etc. Introduction to Computers.

  1. Environmental Education & Rural Development (10 MARKS)
  2. Environmental Education

(a) Modernisation of agriculture and environment, irrigation, water logging, use of fertilisers, pesticides, soil erosion, land degradation (desertification and deforestation), silting and drying of water resources.

(b) Rational utilisation, conservation and regeneration of environmental resources (soil, air, water,

plant, energy, minerals).

 

  1. Rural Development

Principles and goals of rural development, major problems/constraints in rural development in India.

 

Part–II Marks: 50

  1. Sales Administration (7 MARKS)

Organisation of sales department – selection training, supervision, compensation of the sales force.

  1. Publicity & Public Relations (7 MARKS)

Advertising Programmes – Techniques, media and methods of advertising, coordination with sales organisation.

  1. Salesmanship (7 MARKS)

Art of salesmanship – creation of consumer desire, aiding customers in buying, characteristics of an efficient

salesman buying motive and selling techniques.

  1. Business Policy (7 MARKS)

Integration information of accounting finance, marketing, law production, about for meeting top management requirements.

  1. Special Aspects and Marketing (7 MARKS)

Marketing of agricultural produce – regulated markets, international marketing fairs and exhibitions, marketing products of small scale industries.

  1. Business and Trade Association (5 MARKS)

Structure, functions, problems and prospects.

  1. Administrative Environment of Business (5 MARKS)

Business industrial relations, industrial policy.

  1. Social Environment of Business (5 MARKS)

Significance of business ethics – rules of competition, standard for fair service, fair price, fair wage.

 

LIST OF EQUIPMENTS AND SOFTWARE

  1. Calculators.
  2. Computers.
  3. Printers.
  4. Software like MS-Excel etc.
  5. Computer Stationery.
  6. Smart boards to make the subject more interesting.
  7. Demonstration stand.

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