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Banking is an important economic activity in the country and
the role of the banks is being redefined fast. After the liberalization
policies came into play in the early nineties, the role of
banks increased and their services have improved. |
| Functions of
a bank are distributed into several heads like Retail Banking,
Personal Banking, Merchant Banking, Corporate Banking and
Rural Banking. |
| Private Banks like ICICI
Bank, Centurian Bank, etc. have opened with efficient services.
Their service rates are a little high, but people are willing
to pay the kind of money these banks demand. |
| Foreign banks have also
made headway in the Indian banking market. They mainly hold
corporate accounts, high end personal account and NRI accounts.
As compared to the services offered by the Indian banks vis-à-vis
foreign banks, the latter are far superior. Banks have also
diversified into areas like credit cards which come handy
to a person and is finding more and more acceptance. |
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| Work Structure |
| More or less, the work structure
remains the same in all kinds of banks, except some minor
alterations. As far as employment and career in banks are
concerned, they are employed at two main levels: Clerical
Level and the Managerial Level. At the clerical level, the
main task is to maintain account books and documents, and
attend to customers at the counter. At the managerial level,
it involves organizing, controlling and supervising banking
activities, or holding overall charge of one or more departments
or branches. |
| In the head office or zonal
office, the main activities center around banking development
and control. Officers here devise and implement new schemes
to expand business. Officers at all levels deal with people
as well as money and figures. They are also responsible for
domestic operations, which involves keeping in touch with
the bank’s branch office. The field officer is the overall
in charge, whose work is aimed at increasing business and
general management. In any branch, accountants look after
the accounting procedures and framework of the bank. |
| Some of the qualities
required for a successful bank career are high intelligence,
ability to relate to people at all levels, team spirit and
ability to think analytically. Other desired attributes
are practical nature, self-confidence, flexibility, and
the ability to cope with stress and handle pressure. The
selection procedure consists of a written test and interview.
On selection, the candidate is put on probation for two
years. During this period, his/her services may be terminated
at any time if his/her work is unsatisfactory. In most cases,
this is only a formality, and confirmation automatically
follows the probation period. |
| The recruitment policy in
private banks is similar to that of nationalized banks. But
in the case of foreign banks, the procedure is a little different.
They advertise for the vacant posts in newspapers and also
undertake direct campus recruitments from business schools.
They also normally have a probation period of six months to
one year during which they spend time in various departments
of the banks before confirmation as Assistant Manager of a
department. |
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| QUALIFICATIONS AND AGE LIMIT |
| The maximum age
limit for Probationary Officers is 28 years, and the minimum
is 21 years. The minimum educational qualification required
is BA/BSc degree in any discipline from Graduates or CA (Chartered
Accountant). The maximum age limit for Clerical cadre is 26
years, and the minimum in 18 years. The minimum qualification
required is bachelor’s degree of a recognized university
in any discipline or its equivalent recognized as such by
the Central Higher Secondary Examination (10+2) of 10+2+3
pattern/Eleventh Standard Examination of 11+3 pattern/Intermediate/
Pre-University or its equivalent, or passed with 50% marks
in aggregate in Diploma in Banking recognized by Central /
State Government or Union Territory Administration. or passed
with 60 per cent in 10th Standard of 10 + 2 + 3 pattern or
equivalent. |
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| Grades |
| State Bank of
India and Associate Banks & other Nationalized Banks : |
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Scale I : |
For a period approximating six years.
During stage I, the officer is required to put in
two years of service in a rural posting, and in
addition, spend one year as an accountant or field
at any of the bank’s branches. Scale I officers
must undergo a test and interview before being moved
onto the next grade. |
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Scale II: |
Takes two years. One year of which is as a manager
at a rural or semi-urban branch. Promotion at the
end of this period depends on the officer’s
performance in an interview. |
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Scale III to Scale VI: |
Promotion to Scale V depends on the years served
as Branch Manager. Promotion to Scale VI depends on
the number of vacancies available, and is decided
on the basis of an interview. |
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Scale VII : |
Is at the level of General Manager. |
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Scale VIII: |
Is the post of Managing Director and the Chairman. |
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| Reserve Bank of India And Regional
Rural Banks: |
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Movement upwards and levels of seniority
are similar to those in the State Bank of India
and nationalized banks except that officers here
start at grade A and rise to grade F, before being
appointed to the executive cadre. |
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| Private Sector Banks: |
| The hierarchy in the private
sector banks, is similar to that followed in public sector
banks. |
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| Foreign Banks : |
| There is no well-defined
hierarchy in the foreign banks.The hierarchy and designations
vary from one bank to another. |
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| Job Training : |
| On the job training
in RBI, SBI and other nationalized banks are the same. They
have sophisticated training colleges that conduct compulsory
one-month orientation courses for new recruits. Probationers
are taught banking procedure in preparation for their first
posting. Practical training continues on the job throughout
the probationary period. Bank training colleges also conduct
courses in executive development; branch management; and agricultural
banking for their employees. In foreign banks all new recruits
undergo a three-week orientation course. |
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| Remuneration |
| Banking career
offers good remuneration and benefits. Approximate scales
in various banks are : |
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Probationary officer up to scale VI:
Rs. 4100 up to Rs. 6100 per month with Rs.200 increment
per annum.
Scale VII(General Manager): Approximately Rs. 15000
per month. |
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Bank officers are also eligible for dearness allowance,house
rent allowance, and city compensatory allowance.
Salaries are higher in private sector and foreign
banks.Most foreign banks offer the junior level
executive a starting salary of about Rs. One lakh
per annum. Remuneration increases with seniority.
Promotions are given according to seniority and
merit. Preference is given to officers who have
passed the Indian Institute of Bankers Examination |
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In foreign Banks promotion is based on merit, work
experience, and personal drive. |
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| Where to Study |
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| 1. |
School of Architecture CEPT, Navarangpura,Ahmedabad-
380009. Course Offered: Diploma in Architecture (equivalent
to B.Arch.) P.G. Diploma in Urban Design (equivalent
to M.Arch.) Eligibility: 10 + 2 with science. |
| 2. |
Shri Shivaji Education Society's College in Engineering
and Technology, Akola, Maharashtra. Course Offered:
Diploma in Architecture. Eligibility: 10 + 2 with
50 % in PCM (Maharashtra Board) |
| 3. |
PDA College of Engineering, Gubarga, Karnataka.
Course Offered: Diploma in Architecture.
Eligibility: CET and 50 % PCM |
| 4. |
Bengal Engineering College, PO Botanic Garden, Howrah,
West Bengal. Course Offered: Diploma in Architecture.
Eligibility: 10 + 2 with PCME/ 60 % agg. Entrance
Test. |
| 5. |
Calicut Regional engineering College, Calicut, Kerala-
673601.Course Offered: Diploma in Architecture.
Eligibility: Pre-degree exam with 50 % marks in PCM. |
| 6. |
D.Y. Patil College, Kasba Bhavada, Kolhapur,
Maharashtra-416006. Course Offered: Diploma in Architecture.
Eligibility: 10 + 2 PCM from Maharashtra Board. |
| 7. |
BV Bhoomaraddi College of Engineering
and Technology, Mubli, Karnataka-580031. Course Offered:
Diploma in Architecture. Eligibility: CET and 50 %
PCM in PUC Karnataka or Diploma Board of Technical
Education. |
| 8. |
Jagadguru Malikajuna Murugharajendra Institute of
Technology, Chitradurga, Karnataka-577502. Course
Offered: Diploma in Architecture. Eligibility: CET
and 50 % PCM. |
| 9. |
Madhav Institute of Technology and Science, Jiwaji
University, Gwalior, Madhya Pradesh-474005. Course
Offered: Diploma in Architecture. Eligibility: CET
and 10 + 2 PCM. |
| 10. |
Government Engineering College, Raipur,
Madhya Pradesh - 49002. Course Offered: Diploma in
Architecture. Eligibility: CET and 10 + 2 PCM |
| 11. |
Malviya Regional College, Jaipur, Rajasthan-302017.
Course Offered: Diploma in Architecture. Eligibility:
Ist Year of 3 year B.Sc. degree course of Rajasthan
with Engg. PCME/PET B.Sc. (Engg.) CET for 50 % seats.
|
| 12. |
Bihar College of Engineering, Patna University,
Patna, Bihar - 800005. Course Offered: Diploma in
Architecture. Eligibility: Merit in the qualifying
exam. Eligibility certificate from Bombay University.
|
| 13. |
Sir JJ College of Architecture, 78/3, Dr. D.N. Road,
Mumbai-400001. Course Offered: Diploma in Architecture
and P.G. Diploma in Urban Design. Eligibility: Intermediate
with PCM from UP Board, PCM 50 % |
| 14. |
Government College of Architecture, Tagore Road,
Lucknow, Uttar Pradesh-226002. Course Offered: Diploma
in Architecture. Eligibility: CET 10 + 2 with PCM
(min 50 %), Entrance Test. |
| 15. |
B.K.P.S.College of Architecture, 2043, Sadashiv
Peth, Tilak Road, Pune, Maharashtra-411030. Course
Offered: Diploma in Architecture. Eligibility: 10
+ 2 with PCM min. 50 %. |
| 16. |
Marathwada Mitra Mandal's College of
Architecture, 302/A, Deccan Gymkhana, Pune-411004.
Course Offered: Diploma in Architecture. Eligibility:
10 + 2 with PCM. |
| 17. |
College of Engineering, Kerala University, Trivendrum,
Kerala-695016. Course Offered: Diploma in Architecture.
Eligibility: 10 + 2 with PCM (50 %) State Level Entrance
Exam. |
| 18. |
Manipal Institute of Technology, Manipal, Karnataka-
576119. Course Offered: Diploma in Architecture. Eligibility:
10 + 2 with 50 % marks in PCM, Interview. |
| 19. |
College of Fine Arts and Architecture, Mahavir Marg,
Hyderabad, Andhra Pradesh-500028. Course Offered:
Diploma in Architecture. Eligibility: CET and Aptitude
Test 10 + 2 with PCM. |
| 20. |
University Visvesvaraya, College of Engineering,
Banglore University, Banglore, Karnataka-560056. Course
Offered: Diploma in Architecture. Eligibility: 10
+ 2 with PCM (min. 50 %) CET. |
| 21. |
B.M.S. College of Engineering, Banglore, Karnataka-
560002. Course Offered: Diploma in Architecture. Eligibility:
12th from Karnataka. CET and 50 % marks in PCM qualifying
exam. |
| 22. |
University of Roorkee, Roorkee, Uttar Pradesh-247667.
Course Offered: Diploma in Architecture. (equivalent
to B.Arch.) P.G.Diploma in Urban Design (equivalent
to M.Arch.) (Part-Time) All-India open entrance exam.
(Sc. Stream) Eligibility: 10 + 2 PCM and Engineering
Drawing. |
| 23. |
Viswevarayya Regional College of Engineering, Nagpur,
Maharashtra-440011. Course Offered: Diploma in Architecture.
Eligibility: 10 + 2 with PCM. Selection on merit. |
| 24. |
Regional Engineering College, Tiruchirapalli,
Tamil Nadu - 620015. Course Offered: Diploma in Architecture.
Eligibility: 10 + 2 with PCM. CET/REC State quota. |
| 25. |
Guru Nanak Dev University, Amritsar,
Punjab-143005.
Course Offered: Diploma in Architecture. Eligibility:
12th with 50 % PCM. |
| 26. |
School of Planning and Architecture, 4, Block B,
Indraprashta Estate, New Delhi-110002. Course Offered:
Diploma in Architecture. Eligibility: 10 + 2 with
PCM. 60 % marks in aggregate. Selection is by means
of an entrance exam. |
| 27. |
Chandigarh College of Architecture, Chandigarh-160012.
Course Offered: Diploma in Architecture. Eligibility:
PCM and English with a min. of 55 % in aggregate.
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| 28. |
Jadhav University, Jadhavpur, Calcutta-700032.
Course Offered: Diploma in Architecture and PG Diploma
in Urban Design. Eligibility: JEE + 10 + 2 with PCM
+ Eng. Selection is by means of an entrance exam. |
| 29. |
School of Architecture & Planning,
Anna University, Sardar Patel Road, Chennai-600025.
Course Offered: Diploma in Architecture. Eligibility:
10 + 2 with PCM. |
| 30. |
Goa College of Architecture, Miramar Panaji, Goa.
Course Offered: Diploma in Architecture. Eligibility:
Higher secondary with Science from Goa with 50 % marks
in aggregate. An entrance test is conducted. |
| 31. |
College of Engineering and Technology, Orissa University
of Agriculture and Technology, Bhubaneswar-751003.
Course Offered: Diploma in Architecture. Eligibility:
12th pass from Orissa in aggregate. |
| 32. |
Faculty of Technology & Engineering, M.S. University
of Baroda, PO Box No 51, Vadodara-390001. Course Offered:
Diploma in Architecture. Eligibility: 10 + 2 from
Gujarat State. Selection is on basis of an entrance
exam. |
| 33. |
D.C. Patel School of Architecture, Institute of
Environmental Design, Vallabh Vidyanagar, Gujarat
- 388120. Course Offered: Diploma in Architecture.
Eligibility: 10 + 2 with Science Selection is on
basis of an entrance exam. |
| 34. |
College of engineering, Farmagudi, Goa-403405.
Course Offered: Diploma in Architecture. Eligibility:
10 + 2 minimum 45 % aggregate. |
| 35. |
TVB school of Habitat Studies, Vasant Kunj, New
Delhi.
Course Offered: Diploma in Architecture. Eligibility:
10 + 2, 60 % aggregate with Maths & English. Selection
on the basis of entrance exam |
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