Spreadsheet: 870302d1716841036-can-anyone-tell-what-mistake-i-am-doing-in-my-formulas-given-in-the-sample-file-sample-file
Sheet: Table 22

कार्यक्रम PROGRAM |  |  | [NAME] (नर्तनर्ुक्त  पीओ/एईओ/तर्िेषज्ञ  अतधकाररर्ोिं  के  तलए  प्रर्ेि कार्यक्रम  [NAME]) (1ST PHASE OF INDUCTION PRGORAMME FOR NEWLY RECURITED POS/AEOS/SPECIALIST OFFICERS) | PROGRAM CODE
 |  |  |  | IT 1055
तर्षर् समूह/ SUBJECT GROUP |  |  | HR, MARKETING, CUSTOMER SERVICE & COMPLIANCE
उद्देश्य/OBJECTIVE |  |  | TO  IMBIBE  OUR  BANK’S  CULTURE  AND  BRING  AWARENESS ABOUT THE IMPORTANCE OF CUSTOMER SERVICE. TO IMPART SOFT  &  TECHNOLOGY  SKILLS,  AND  JOB  KNOWLEDGE  TO ENABLE     PARTICIPANTS     TO     PERFORM     THE     DUTIES EFFECTIVELY.
लतक्षि समूह/TARGET GROUP |  |  | NEWLY INDUCTED POs/AEOs and SOs
अर्तध/DURATION |  |  | 3 WEEKS
DAY | SESSION | CONTENTS
Day 1 | I | De-Freezing and Joining Formalities
 | II | Introduction to the Bank and Organization Structure
 | III | Vision,   Mission,   Values   &   Ethics   of   the   Organization,   Service Conditions & Service Rules
 | IV | Self-Learning & Knowledge Resources Available in the Bank (Banks Website, E-Learning, Special Initiatives Etc.)
Day 2 | I | Business   [NAME],   Personal   Grooming,   Cell   Phone   &   Online Etiquette, Communication Skills
 | II | Team Work, Motivation & Customer as a Business Partner
 | III | Business Communication - Writing of Business Letters/Mails Internally and to Customers (Drafts, [NAME], Notes and Letters, Mails and Office Orders)
 | IV | Gender Sensitivity and Inclusion of PWD Employees and Customers
Day 3 | I | [NAME] – NI Act, BR Act, RTI Act, PSS Act, RBI Act, Bankers Book Evidence Act, Banker Customer Relationship
 | II | Indian Partnership Act, Indian Contract Act, Companies Act, Bankers Book of Evidence Act,
 | III | Limitation Act and COPRA 2019
 | IV | IT  Act,  Promotion  of  Digital  Transactions,  CKYC,  EKYC  and  Data Infringement
Day 4 | I | Time   Deposit   Accounts:   Term   Deposits,   Variances   -   Opening, Renewal, Closure
 | II | Deposit  Accounts  (CASA)  :  Demand  Deposits-  Saving  &  Current Accounts,   Variances   -   Opening,   Renewal,   Closure,   [NAME]   Of Operation, Interest Application etc.
 | III | Definition  and  types  of  Individual  and  Non-Individual  Customers, Customer Information Profile and KYC Standards and FATCA Purpose, Importance and Regulatory Requirements
 | IV | Overview  of  Banking  Operations:  Asset  Side  and  Liability  Side, Banking Functions and Activities
Day 5 | I | Government [NAME]. PPF, SSA SCSS Etc. - Opening, Renewal, Closure, Mode of Operation, Interest Application etc.
 | II | Debit Cards & Pre-Paid Cards - Concept, Products & Variances
 | III | Special Types of Deposit Accounts, [NAME], MOD, Sweep etc.
 | IV | KYC Documents and Treatment of Different types of Customers and Accounts  (Minors,  Visually  Impaired,  HUF,  Partnership,  Company, Trusts etc.)
Day 6 | I | ATMS, CDMS – Accounting, CBS linkage and Resolution of Complaints
 | II | Internet and Digital Banking - Concept and Products
 | III | Mobile Banking, POS - Merchant
 | IV | Cyber Security & Frauds in Digital Banking
Day 7 | I | Cash Department Procedure and Currency Management
 | II | RBI   Guidelines   on   Currency   Management   (Clean   Note   Policy, Counterfeit Currency Handling etc.)
 | III | Safe Custody, Safe Deposit Locker
 | IV | Nomination and Death Claims Settlement
Day 8 | I | Government   Business   -   Importance,   State   &   Central   Govt. Business/AEOs:   Schemes   and   Role   of   Banks   in   Transmission, Commission Income, Subsidies, Grants, Government Challans etc.
 | II | Remittances - Cheque Collection Policy ([NAME] RTGS/NEFT/IOI)
 | III | Payment [NAME] and Digital Products: Bharat QR, National Unified USSD Platform (NUUP),  [NAME], Other Payment Platforms viz. PAYTM, Google Pay etc.
 | IV | Business Correspondents: Role, Functions and Branch Linkage
Day 9 | I | CBS Lab (Cash)
 | II | Demand Deposits and their Operational Aspects (Lab)
 | III | Term Deposits and Recurring Deposit (Lab)
 | IV | Government Business: Products (PPF, SSA, SCSS) (Lab)
Day 10 | I & II | NRI Deposits - NRE, [NAME], FCNB, RFC, FEMA Guidelines
 | III | NRI Remittances -SWIFT, [NAME], International Money Order, INB
 | IV | MIS Reports, Day Book Checking, Weekly Report, P-Reports
Day 11 | I | Overview of Retail Credit – Principles and Trends: Purpose, Eligibility, Tenor, Rate of Interest (Fixed, Floating, EBLR, Reset etc.), Income, Documents, [NAME], Repayment, Priority Sector Lending
 | II | Loans   and   Advances   (Asset   Business)   -   Concept   and   Types: Secured/Unsecured, Retail/SME/Corporate Credit etc. Pre-Sanction Process  –  Retail  (PSS,  CIBIL  Report,  TIR,  Valuation,  POA  and  Due Diligence)
 | III | Demand Loans - Loans Against Specified Security, Gold Loans
 | IV | Personal Loans and Pension Loans
Day 12 | I | Housing    Loans    (General    Instructions,    LTV,    EMI/NMI    Ratio, Computation of Loan Eligibility)
 | II | Housing Loans – Variants and Concepts
 | III | Vehicle Loans and Concepts
 | IV | Education Loans and Concepts
Day 13 | I | Post-Sanction Process – Retail :
 | II | Documentation,     Security     Creation,     CERSAI,     Disbursement, Inspection, Insurance and Monitoring
 | III & IV | Retail Loan Processing in CBS – Hands-an Lab Activity
Day 14 | I to IV | Stressed Assets Management (Soft Recovery Measures, [NAME], Lok  Adalat,  Restructuring,  Resolution  Agencies/  Agents,  IBC),  CBS Reports
Day 15 | I & II | Financial  Inclusion-  PMJDY,  BSBD,  Small  Account,  PMJJBY,  PMSBY, APY etc.
 | III | Role of a Branch Manager:
 | IV | Delegation of Powers, HR Functions, Tax Functions, Important Branch Documents and Registers, Custody of Branch Keys and Documents, Role of Accountant, Branch Transaction and [NAME], Periodic Reports, Risk, Vigilance and Compliance