Admissions open Course code: RBK

Certificate in Retail Banking

Serve and advise individual bank customers with confidence

A four-month weekend course on retail banking — savings and salary accounts, deposits, cards, UPI and digital banking, home, vehicle, personal and gold loans, needs-based advice and customer service — with role-plays in every module.

4 months · 100 hours
Live online classes on Google Meet
QR-verifiable certificate

Enroll in this course Fee & refund information

Total programme fee: ₹39,999
Duration: 4 months · 100 hours
Next batch: 16 Jan 2027

Overview

About this course

Retail banking is the part of banking most people see: savings accounts, fixed deposits, debit and credit cards, UPI, and loans for a home, a vehicle, education or a family need. This four-month course teaches how these products work, who they suit, and how to explain them clearly and honestly to customers at a branch, on the phone or through digital channels.

You will practise real customer situations — a first-time account holder in a small town, a salaried professional comparing home loans, a senior citizen choosing a deposit, an NRI asking about NRE and NRO accounts — and learn how to handle complaints and help customers stay safe from fraud.

How the course runs

Classes are held live on Google Meet on Saturday and Sunday mornings, so the course fits around a job or college. Every module ends with role-plays and a short quiz, and the course closes with a capstone in which you prepare and present a product guide for one customer segment.

Accounts, deposits, cards and digital banking
Home, vehicle, personal, education and gold loans
Needs-based conversations, ethics and complaint handling
Role-plays and a customer-segment capstone

Please note: this is a skill-development course. 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 the main retail banking products and match them to customer segments such as students, salaried staff, senior citizens and NRIs
Compare savings, salary and deposit products, including interest, charges, minimum balance and deposit insurance
Guide customers on debit and credit cards, UPI and mobile banking, including safe-banking habits and fraud reporting
Explain eligibility, documents, EMIs and interest-rate options for home, vehicle, personal, education and gold loans
Hold a needs-based conversation and recommend suitable products without mis-selling
Handle customer complaints using fair-practice norms and the bank and RBI grievance channels
Communicate clearly and courteously with customers in person, on the phone and by email

Syllabus

8 modules · approximately 100 hours of live training

Module 1Retail banking in India 10 hrs

Types of banks, retail versus corporate banking and the main customer segments — students, salaried staff, the self-employed, senior citizens, NRIs and rural customers. Branch, phone and digital service channels.

Module 2Accounts and deposit products 14 hrs

Savings and salary accounts, current accounts for small traders, FDs, RDs and senior-citizen deposits. NRE and NRO account basics, charges, minimum balance and deposit insurance.

Module 3Cards, UPI and digital banking 12 hrs

Debit and credit cards, credit-card billing cycles, interest and fees, and helping customers start using UPI and mobile banking. Safe-banking advice and how to report fraud quickly.

Module 4Retail loan products 16 hrs

Home, vehicle, personal, education and gold loans: eligibility, documents, fixed and floating rates, EMIs and prepayment. Credit score basics and common reasons applications are rejected.

Module 5Third-party products and needs-based advice 12 hrs

Insurance, mutual funds and government small-savings schemes at an awareness level, with a structured needs-analysis conversation and risk profiling. Why mis-selling hurts customers, and why selling these products needs separate licences that this course does not provide.

Module 6Customer service, complaints and ethics 12 hrs

Service standards, fair practices and serving senior citizens and customers with disabilities. Complaint handling, escalation and the RBI Integrated Ombudsman Scheme.

Module 7Relationship management and customer communication 12 hrs

Opening and closing customer conversations, phone and email etiquette and disciplined follow-up. Looking after a portfolio of customers with simple CRM concepts.

Module 8Role-plays and capstone 12 hrs

Assessed role-plays: account opening counselling, a loan enquiry and a complaint. Capstone: a retail product guide for one customer segment, presented to the batch.

Eligibility

Minimum qualification: Class 12 / Higher Secondary pass (graduates and final-year students are welcome)
Willingness to talk with customers — basic spoken English or Hindi is enough to start
A laptop or smartphone with a camera and microphone for live role-plays on Google Meet

Who should join

Graduates and job seekers aiming for customer service, relationship or sales roles in retail banking.
Working professionals who want to move into banking and can only study on weekends.
Front-desk and sales staff in banks, NBFCs or business correspondent outlets who want deeper product knowledge.
Anyone who wants to understand retail banking products well enough to guide family, friends or customers.

Assessment & certification

Component	Maximum marks	Minimum required
Product knowledge quizzes	25	—
Customer role-play assessments	25	—
Product comparison assignment	20	—
Capstone: customer-segment product guide and presentation	30	12
Total	100	50% overall

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

Awarded by Appsgain Technologies on successful completion of the 4-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 16 Jan 2027
Open

Batch dates
16 Jan 2027 – 16 May 2027

Class timings
Saturday & Sunday, 10:00 AM – 1:00 PM IST

Seats
50 seats left

Apply by
Apply by 09 Jan 2027

₹39,999 Apply for this batch: Starts 16 Jan 2027

Training schedule

The detailed class timetable is published before the batch begins. Regular timings: Saturday & Sunday, 10:00 AM – 1:00 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

Use a device with a working camera and microphone — role-plays are part of most weekend sessions. Join with your registered name so attendance can be marked.

Questions about this course

Frequently asked questions

Answers to common questions about this course.

Why is Retail Banking a weekend course, and what are the timings?

It runs on weekends so that working professionals and college students can join without missing work or classes. Sessions are held live on Google Meet every Saturday and Sunday, 10:00 AM – 1:00 PM IST, for 4 months (about 100 hours). The batch dates and the last date to apply are shown on this page. Classes are taught in English, with Hindi support where needed.

How do the customer role-plays work online?

Most weekends include role-plays in which you take turns playing the banker and the customer — for example, opening an account for a first-time customer or answering a home-loan enquiry — and receive feedback from the trainer. Please join with a working camera and microphone.

Will I be able to sell insurance or mutual funds after this course?

You will learn how these products work and how to understand a customer's needs, at an awareness level. Selling insurance or mutual funds requires separate licences or registrations under IRDAI and SEBI/AMFI rules, which this course does not provide.

What if I miss a weekend?

Notes and study material for each module are shared with the batch, and you can ask your doubts in the next session. Because role-plays are assessed, regular attendance matters — at least 75% attendance is required for the certificate.

What is the fee?

The total fee shown on this page is for the full 4-month programme, including all live sessions, assessments and the certificate. Payment options and any applicable taxes are shown on the Fees page, and refunds follow our Refund and Cancellation Policy.

Is this an IIBF certification or bank exam coaching?

No. It is a practical retail banking skill course from Appsgain Technologies. It is not coaching for IBPS, SBI or other recruitment exams, the certificate is not issued or recognised by the RBI, IIBF or any bank, and there is no job or placement guarantee.

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