In the past, people were able to secure a job with mere graduation or post-graduation and the necessary job skills were lernt after joining in the job. But, in today's highly competitive scenario, merely having a graduate or post-graduate degree is not enough to get a decent job.A recent study shows the the employability of Indian Graduates and Post-Graduates remains a big concern and, on an average only 25% of fresh graduates and post-graduates are employable. The main reason for this problem lies in not having additional skills.

Students need to have a proper knowledge and additional competencies rather than just a degree or post-graduation to face the strong competition in the job market. These dayes, employers also prefer candidates with additional practical skill sets. Students generally don't have an idea about the available options of professional certifications or diplomas that will boost the value of their basic academic qualification.

The current scenario in the country can be summarized as below:
  • As per the AICTE report,60% of 8 lakh engineering graduates from various insitutions across the country every year remain unemployed;
  • 90% of the jobes are skill based and only 2% of the population (in the age group of 15-25 years)is currently engaged in some sort of skill training and this ratio is 60%-80% worldwide.
  • In India, only 4% of the workforce is skilled, while China has 47%, Germany 74%, Japan 80%and the highest being South Korea at 96%
  • The paradoxical situation on the ground today is that more than 30 lakh graduates join the Indian job market annually, but only 5 lakhs are considered employable. This gap between skills and employment will turn out to be a major hurdle to our economic growth.
  • The harsh ground reality is that desperate Indian Graduates now don't mind to do any job such as drivers, maids or mechanics. Recently, Graduates, Post-graduates and even Phd holders are among the 23 lakh applicants who applied for 368 post of peons in U.P Government secreateriat. In fact, there were 1,50,000 graduates, 25,00 Poist-graduates and 255 Phd holders wore among the applicants and the desired qualification for the job was pass in 5th class.
  • Skill intensive industries are expected to contribute more than 90% of India's GDP by 2030 and the opporatunity is staring at us in the face.
  • The focus of current education system is on acedemic courses only and the students have to learn on their own the requisite skills and if thry do so during their graduation or post-graduation they can start tgheir career early in their lives.

  • BFSI sector is one sector which gives both job and career options for suitably skilled individuals and we will try to put before some facts about the sector through the following pages in the form of frequently Asked questions...
    Frequently Asked Questions
    The Banking, Financial Services and Insurence(BFSI) sector is an industry term used to define companies that provide a range of financial services and products. BFSI sector is one of the key sectors of the economy and provides huge job and career options. Many people are not aware and confuse that this sector is suitable for commerce students only. In fact, finance is entirely different from commerce and graduates from any stream including engineering graduates can have a good career in this sector. In India, many top positions in finance and investments are occupied by Science and engineering graduates only.

    India is considered as one of the fastest growing economies and within a few years destined to become one of the top economic powers in the world. The BFSI industry currently employs around 50 lakh people and expected to employ another 40 to 50 lakh people by 2022. this is one of the few sectors where a qualifified person can prefer a job or an independent professional career.
    The Banking sector is the key sector in BFSI segment and it proviedes maximum employment opportunities among the BFSI companies and Indian Banking sector is projected to become the fifth largest banking sector in the world by 2020. The Banking sector in India comprises Commercial banks both in Public and Private sector, foreign banks, Regional Rural Banks, Local area banks, Co-operative and urban Co-operative banks. Payment banks and small finance banks are recent addition to the banking system.
    The Retirement Decade:The decade 2010-20 is called as retirement decade for Public sector banks since an estimated 3.4 lakh employees in all cadres in these banks will retire by 2020. Even in private sector banks also the retirements during this period are considerably high. This provides huge employement opportunities for the suitably skilled/qualified persons.

    Man Power Requirement in Banking Sector Due to Retirements

    Percentage(%) Position Left Vacant
    Cadre/Position Public Sector Banks Private Sector Banks
    Senior Manager
    Asst. Manager
    Not Applicable
    (Source: McKinsey Bechmarking Study, 2013)

    The above data shows the drastic need for recruitment in banks and infact many banks have already started the process.
    Job Profile in Banks: The banking operations or the specialisations can be divided in the following categories:
    General BankingCredit OperationsTreasury Operations
    Risk ManagementInformation TechnologyForex
    Large scale retirements coupled with business expansion, banks are going to face acute shortage of skilled officers in the majaority of the above fields. The shortage is going to have a huge impact on the functioning of the banks and this is regarded as a crisis situation for the banking industry.
    Reserve Bank of India, being the regulator for Banking Industry has initiated serveral measures and the most important being a roadmap or programme for Capacity Building in Banks.

    Capacity Building in Banking sector: Capacity building or capacity development is the process by which individual and organisations obtain, improve nad retain the skill and knowledge needed to do their jobs competently. To address the problem of shortage of skilled work force in the Indian Banking sector, Reserve Bank of India constituted a committee under the Chairmanship of former Executive Director of RBI Shri G>Gopala Krishna to suggest measures relating to capacity building in banks and non-banks.

    As per the recommendations of the committee, RBI in consultation with Indian Banks Association (IBA), vide its letter No.RBI/2016-17/36 DBR No.BP.BC.4/21.03.009/2016-17, dt. 11.08.2016 laid the roadmap for capacity building in banks and other all India financial institutions.As per the policy, banks have to train its manpower in the specialised areas and in recuitments also they have to give preference to candidates whon possess these specialised skills through indentified certifications.

    RBI along with IBA, identified certain courses/certifications as benchmark qualifications for the specialised roles in the banks and other financial insitutions. All these courses are offered by Indian Institute of Banking & Finance, which is formerly known as Indian Institute of Bankers. IIBf is the apex body in India which provides various certifications to Bank employees who are its members.

    Due to the shortage of skilled work force, some of the identified certifications are offered to General public also those people who have completed their graduation and post-graduation courses can avail this opporatunity so that they can get employement in one of the most vibrant sectors of the country.
    Reserve bank of India in consultation with IBA(Indian Banks' Association), identified the following courses for capacity building in banks.

    a)Certified credit professional: To create a cadre of qualified credit professionals to work in various branches of banks and other all India financial institutions.

    b)Certified Treasury Officer: To create a cadre of qualified dealers to take care of treasury functions in banks.

    c)Certified Risk Professional: To create a cadre of qualified risk professionals to manage and deal with diffetent types of risks in financial services and more particularly in Banking sector. Apart from the above three areas, RBI identified specialised certifications in the fields of Forex and audit and accountancy.

    Indian Institute of Banking and Finance(IIBF) is the organisation which develops syllabus and conducts the examination. It is established in 1928 and is engaged in knowledge and skill development for bank employees through various certifications and courses. The affairs of IIBF are managed by a governing council and various boards and the chairman's and other key officials of various public and private sector bank will be members of boards and governing council. Currently, Shri Rajnish Kumar,Chairman of State Bank of India is the President of Governing Council.

    IIBF maintains a data base of all the people who will qualify in these examinations so that the banking industry can recruit them in various roles. One can find all the details from

    Please note that many organisations and institutions offer various programmes in Banking, but only the certificates provided by IIBF are having industry acceptance and recognition.

    Finpro is established by highly experiences and well qualified people from the BFSI industry and currently we are offering the following structured course for the people who aspire to be bankers.

    Name of the Course: Expert Banker.
    The course is a combination of two certifications namely, DBF and Credit Professional. The aim of the course is to train a candidate to be true banking professional and after successfully passing the examinations, a candidate will be job ready and he will get priority in recruitments since he is already a banking professional.

    I) Diploma in Banking & Finance (DBF).    (General Banking Stream)

    Objectives of the course: Due to growing demand for qualified man power for the banking and finance sector in the coming years due to expansion of the sector and large-scale retirements, the sector requires a steady stream of industry-ready professionals at the entry level.

    To meet this objective, IIBF has designed this course as professional qualification who aspire for a career in banking & Finance. It is expected that successful candidates of DBF would have a competitive edge and will be absorbed by banks and financial institutions and DBF would emerge as a preferred professional qualification with graduation for employment in Banking and Finance Industry.

    Indian Banking Association(IBA) has approved Diploma in Banking & Finance examination conducted by IIBF as a desirable qualification along with other prescribed entry level qualification for recruitment in banks.

    The Examination Structure:  To qualify for the diploma, a candidate has to pass in the following 3 subjects:

    1). Principles and Practice of Banking,

    2). Accounts and Finance for Bankers,

    3). Legal & Regulatory Aspects of Banking.

    Each Subject will contain one question paper with approximately 120 objective type multiple choice questions for 100 marks including questions based on a case study/caselets.

  • The examination will be held in online mode only and there will be no negative marking for wrong answers. The duration of each examination will be 2 hours and the exam centres are spread across India.
  • A registered candidate has to pass the examination within 2 years and the limits starts from the date of application for the first attempt and attempts will be counted irrespective of whether a candidate apprears at any examination or otherwise.
  • Minimum marks for pass in the subject is 50 out of 100 and candidates securing atleast 45 marks in each subject with an aggregate of 50% marksin all subjects of examination in a single attempt will also be declared having completed the examination.
  • Candidates will be allowed to retain credits for the subjects they have passed in an attempt till the expiry of 2 years from the first attempt. if a candidate cannot pass in all the subjects within the stipulated period of 2 years, they have to re-enroll with fresh registration and their earlier credits if any will be cancelled out.

  • The Examination/Registration Fees:

    First Attempt Fee
    Second Attempt Fee
    Third Attempt Fee
    Fourth Attempt Fee

  • The examination will be conducted twice a year in the months of May and November. Normally the examinations will be on three consecutive Sundays (One exam per day).
  • The medium of examination will be English only.
  • A candidate needs to register separetely for each attempt.
  • II) Certified Credit Professional:    (Specialisation in Credit Operations)

    Credit function means dealing with loans and advances. People dealing in credit should have specialised knowledge and skills since is the backbone of any bank. The officer dealing in credit should be expert in credit appraisal, rating,monitoring credit administration. the course provides a holistic insight into various dimensions in bank credit management.

    Objectives of the course:  To develop a cadre of credit officers in banks to perform different issues. The course broadly covers  a) Loan Policy  b) Working Capital Management   c) Credit appraisal  d) Export Credits  e) Analysis of Financial statements  f) Credit Monitoring   g) Project Finance  h) Management of impaired Assets etc.

    Other Details:

    1) Course has two components viz.,

    a) Online examination for 100 marks based on a specially designed courseware on credit management and

    b) Practical Classroom Training of 3 days after passing the written examination.

    2) The examination will be online examination on Credit Management.

    Passing Criteria:

    a) Minimum marks for pass in the subject is 50 out of 100 for online examination .

    b) Minimum 25 marks for passout of 50 marks in the classroom training.

    Examination and Practical Training Fee:



    Examination Fee

    Practical Training Fee

    Total Fee

    Virtual Training Mode (Practical Training through internet)
    Physical Practical Class Room training at Mumbai, Delhi, Chennai and Kolkata.
    Physical Practical Class Room training at other centres

  • Training Fees are to be paid after the candidate clears the online examination conducted by the institute.
  • Candidates, who do not pass the online examination in their first attempt, need to enroll for the second attempt by paying a nominal fee of Rs.200

  • Candidates who donot pass the online examination in the second attempt, need to enroll again by paying a fee of Rs.6000/-
  • If a candidate fails in the virtual classroom training, he/she can enroll for the second attempt by paying a fee of Rs.1,000/- + GST


  • Question Paper will contain 100 Objective type multiple choice questions including situation analysis / problem-based questions for a total of 100 marks.
  • The examination will be held in ENGLISH and in Online Mode Only
  • There will NOT be negative marketing for wrong answers
  • The duration of the examination will be of two hours
  • Currently, the examination is held once in two months throughout India

  • NOTE:   The fees mentioned above are IIFF registration and examination fees and our training fee is in addition to the above fees.

    Along with Certified Credit Professional Examination, RBI identified other examinations pertaining to treasury, Risk, Forex and Accounts. The General Banking expert and Credit Officer are required in all most all the branches and hence vacancies will be huge for these two positions and the other positions will be available at Head Office or other controlling offices only. Hence we are now offering trainings for DBF and Certified Credit Professional Courses only.

    As already mentioned above, banks are facing a huge shortage of manpower and instead of normal candidates, they prefer to recruit those candidates who are qualified professionals in banking. Moreover, RBI made all the certifications mentioned in Capacity Building initiatives, compulsory for all the exisiting bank employees also. As per RBI guidelines, an officer dealing in Credit has to compulsorily pass the Credit Professional examination and the same for other specialisations such as Treasury, Risk and Forex.
    Hence it will be a golden opportunity for any graduate to qualify in these certifications and get kick start career in banking industry.
    NO. Our Sincere advice is never trust such offerings. No body in real sense gives any job guarantee or placement assistance. Since the current training market is dominated by such offers, everybody thinks that it is real.
    These courses are not small diplomas, but professional courses with huge demand and supply gap.All private banks and foreign banks recruit the required manpower through their website and we are sure that these qualifications will give a definitive edge in getting the job. If the banks recruit the candidates who qualified in these certifications, they are getting the candidates who are already professionally qualified and job ready.
    Public sector banks also have to conduct specialised recruitments for these positions. In other bank examinations such as for Probationary Officers etc., if a candidate has advanced upto interview stage with these certifications, he will get huge advantage over other candidates since he is already a qualified banking professional.
    Finpro is established by well qualified and experienced professionals from the BFSI Industry.
    We are all practising professionals and we are passionate in training and our motto is to help people to realise their true potential so that they can have a great career.
    We are having nearly 100% success rate and all our students have well settled in their career.
    We follow a scientific method in our trainings and the trainings are 100% practical oriented.
    The training methodology is devised as per the industry needs and contain weekly mock tests, debates and group discussions etc.,