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Diploma in Business Correspondent

Diploma in Business Correspondent

Original price was: ₹7,000.0.Current price is: ₹3,500.0.

The Diploma in Business Correspondent (DBC) is a specialized program designed to train individuals to act as intermediaries between banks and customers, particularly in rural and semi-urban areas. Business Correspondents (BCs) help in providing basic banking services, promoting financial inclusion, and supporting the unbanked population.

This course covers banking fundamentals, financial services, digital transactions, regulatory compliance, and customer relationship management.

Category:

Description

2. Course Duration

  • Total Duration: 6 to 12 months (depending on the institute)

  • Mode of Study: Full-time / Part-time / Online

3. Eligibility Criteria

  • Minimum 10+2 (Higher Secondary) pass (some institutes may require graduation)

  • Basic computer knowledge

  • Good communication skills

4. Course Syllabus / Modules

Module Topics Covered
1. Introduction to Banking & Financial Services – Role of Business Correspondents (BCs)
– Banking structure in India
– RBI guidelines for BCs
2. Financial Inclusion & Government Schemes – Pradhan Mantri Jan Dhan Yojana (PMJDY)
– Atal Pension Yojana (APY)
– Sukanya Samriddhi Yojana (SSY)
3. Banking Operations & Services – Account opening (Savings, Current, RD, FD)
– KYC norms
– Loan processing (Microfinance, SHG loans)
4. Digital Banking & Payment Systems – UPI, IMPS, NEFT, RTGS
– AePS (Aadhaar-enabled Payment System)
– Mobile banking & USSD codes
5. Customer Service & Compliance – Handling customer grievances
– Fraud prevention & cybersecurity
– AML (Anti-Money Laundering) & KYC norms
6. Business & Entrepreneurship Skills – Commission structure for BCs
– Marketing banking services
– Setting up a BC outlet

5. Certification & Recognition

  • Approved by Indian Institute of Banking & Finance (IIBF) / National Payments Corporation of India (NPCI)

  • Some institutes provide certification in collaboration with RBI-recognized banks

6. Career Opportunities

After completing the Diploma in Business Correspondent (DBC), candidates can work as:

  • Business Correspondent (BC) Agent (for banks like SBI, PNB, etc.)

  • Customer Service Point (CSP) Operator

  • Banking Facilitator (for rural & semi-urban areas)

  • Microfinance Agent

  • Insurance & Pension Service Provider

7. Salary & Earnings

  • Monthly Earnings: ₹8,000 – ₹25,000 (based on transactions & commission)

  • Additional Incentives: From banks for account openings, loan referrals, etc.

8. Institutes Offering DBC

  • Indian Institute of Banking & Finance (IIBF)

  • National Institute of Electronics & Information Technology (NIELIT)

  • Regional Rural Banks (RRBs) & Private Institutes

9. How to Apply?

  • Check eligibility & apply through banking institutes or online portals.

  • Some banks provide free training for selected candidates.

Conclusion

The Diploma in Business Correspondent (DBC) is a valuable course for those looking to enter the banking sector, especially in rural financial services. It offers a stable income source while contributing to financial inclusion in India.

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