Karnataka State Cooperative Urban Banks Federation Ltd.,

No 132, K.H.Road (Double Road), Bengaluru - 560 027 Ph: 080-22279574/222233662; Fax: 22220774; Web: www.kubfed.com

(K. H. Patil Institute of Cooperation and Banking)

Diploma in Urban Cooperative Banking Management (DUCBM)

Course Objective

The course Diploma in Urban Cooperative Banking Management has been designed for capacity building, to

build professional competence and enhance skill sets for better performance in day to day banking activities.

The training modules has been designed in such a way that the trainee at the end of program will be fully adept

with theoretical knowledge of various facets of cooperative banking operations. Further in accordance with the

Karnataka Cooperative Societies Rules 1960,( Amendment) Rules 2017, on successful completion of the

program, the candidate will be eligible to be considered for promotion.

Governing Council

A committee has been constituted for the overall supervision and management of the diploma program. The

governing council, chaired by the president, KSCUBF and will consist of resource persons specialized in Urban

Cooperative Banking Sector.

The Governing council will be empowered to take decisions on conducting of training program including

perpetration of syllabus, examination paper and evaluation

Pattern of course study

The course is offered on an online and offline model and the registrants will be provided with access to Online

Training software, through which the course will be delivered. The hardcopy of the course ware will be provided

to registrants

In order to make the reading more effective, the content for each module is split into smaller components for

easy understanding and comprehension. Further an exclusive feature has been developed for making self

assessments. The trainees, on an ongoing basis take self assessment tests in order to evaluate their

understanding about the subject

Eligibility

All Employees of Urban Cooperative Banks in Karnataka

Course Duration

The course will be held for 3 Months.

Pattern of Examination

The final evaluation exam will be for 400 Marks comprising of four papers of 100 marks each. Each paper will

have objective/subjective questions. Examination will be conducted on determined dates which will be

announced from time to time.

Study Material , Course ware and examination

The Entire course has been split into four papers consisting of several modules. Final Examination will be

conducted for four following papers and each paper will carry 100 marks. The study material will be provided to

registered candidates in hard copy as well as through the online learning portal.

Syllabus

Introduction; The Organisation of the Financial System in India; Growth and Development of Indian Financial

System ; Banking System in India; Structure of Banking In India; Structure of Co-operative Banks; Land

Development Bank; Regional Rural Banks; NABARD; RESERVE BANK OF INDIA (Organization); Reserve Bank of

India (Functions)

Module 1 - Financial System in India

Introduction; Urban Cooperative Banks; Objectives of the Urban Co- Operative Banks; "Role of the UCBs in the

Indian Banking System

Module 2- Cooperative Banking System

Preliminary; Business of Co-operative Banks; Prohibitions of certain activities in relation to Co-operative Banks ;

Suspension of Business; Special Provision ; Provisions relating to certain operations of Co-operative Banks ;

Miscellaneous

Module 1 - Regulatory framework governing Urban Cooperative BanksBR Act 1949 (AACS)

Preliminary; Registration of CS & Bye Laws; Member of Co-op Societies; Management of Co-op Societies;

Suppression of Co-op Societies; Privileges of Co-op Societies; Elections of Co-op Societies; Properties & Funds of

CS; Audit, Inquiry etc; Settlement of Disputes; Execution of Awards etc; Offences & Penalties; Miscellaneous

Module 2 - KCS Act 1959 & KCS Rules 1960

Paper - 1 Principals of Cooperative Banking (100 Marks)

Paper - 2 Regulatory aspects of Cooperative Banking (100 Marks)

PRELIMINARY; Definitions; General; Customer Acceptance Policy; Risk Management; Customer Identification

Procedure (CIP); Customer Due Diligence (CDD) Procedure; Record Management; "Reporting Requirements to

Financial Intelligence Unit - India; Reporting Requirements to Financial Intelligence Unit - India";

Requirements/obligations under International Agreements-Communications from International Agencies –;

Other Instructions; Repeal Provisions

Module 3- KYC/ CML/AFT Guidelines

Paper - 3 Deposit acconts and customer service (100 Marks)

Module 1- Deposit Accounts

Introduction; Types of accounts- Basic; Deposit Accounts General; CASA; Term Deposits

Module 2- Customer Service

Introduction; Aspects of customer service, Salient provisions of Consumer protection Act, 1986

Module 1 - Loans and Advances

Paper - 4 Loans and advances and Credit Management; Investments (100 Marks)

Introduction; Types of Credit Facilities; Loan Policy and Procedure; Pre-Sanction Credit Appraisal Process;

Compilition of Credit Reports; Advances against Pledge of Goods; Advances against Hypothecation of Goods;

Advances against the Hypothecation of Plant/Machinery; Advances against Immovable Property; Housing

Finance; Loans to Salaried Class of Borrowers; Unsecured Advances; Loans for Purchase of Consumer Durables;

Education Loans; Advances against Hypothecation of Motor Vehicles; Advances against Term Deposits;

Advances against Gold Ornaments/Silverware; Term Loans; Documentation; Credit Information- Indian Context

Introduction; Cash Reserves Ratio(CRR); Liabilities to be included in Total DTL; Method of Computation of NDTL;

Statutory Liquidity Ratio (SLR)

Module 6- Funds Management CRR SLR