CURRICULUM

FOR THE TRADE OF

BUSINESS CORRESPONDENT
BUSINESS FACILITATOR

UNDER

APPRENTICESHIP TRAINING SCHEME

GOVERNMENT OF INDIA
MINISTRY OF SKILL DEVELOPMENT& ENTREPRENEURSHIP
DIRECTORATE GENERAL OF TRAINING

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 CONTENTS

Sl. No. Topics Page No.

1. Background 3-4
1.1 Apprenticeship Training under Apprentice Act 1961
1.2 Changes in Industrial Scenario
1.3 Reformation
2. Rationale 5
3. Job roles: reference NCO 6
4. General Information 7
5. Course structure 8
Syllabus 9-10
6.1 Practical Training (On-Job Training)
6.1.1 Broad Skill Component to be covered during on-job
6.
training- Block – I

Assessment Standard 11-13

7.1 Assessment Guideline
7.
7.2 Final assessment-All India trade Test (Summative
assessment)
8. Further Learning Pathways 14
Annexure-I – Tools & Equipment for Practical Training/On-Job 15
9.
Training
10. Annexure-II - Guidelines for Instructors & Paper setter 16

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 1. BACKGROUND

1.1 Apprenticeship Training Scheme under Apprentice Act 1961

The Apprentices Act enacted in 1961 with the objective of regulating the program of
training of apprentices in the industry by utilizing the facilities available therein for
imparting on-the-job training. The Act makes it obligatory for employers in specified
industries to engage apprentices in designated trades to impart Apprenticeship Training
on the job in industry to school leavers and person having National Trade Certificate(ITI
pass-outs) issued by National Council for Vocational Training (NCVT) to develop skilled
manpower for the industry. There are five categories of apprentices namely; trade
apprentice, graduate, technician, technician (vocational) apprentices and optional trade
apprentice.
Qualifications and period of apprenticeship training of trade apprentices and optional
trade apprentices vary from trade to trade. The apprenticeship training for trade
apprentices and optional trade apprentices consists of basic training followed by
practical training. At the end of the training, the apprentices are required to appear in a
trade test conducted by NCVT and those successful in the trade tests are awarded the
National Apprenticeship Certificate.

1.2 Changes in Industrial Scenario

Recently we have seen huge changes in the Indian industry. The Indian Industry
registered an impressive growth during the last decade and half. The number of
industries in India have increased manifold in the last fifteen years especially in
services and manufacturing sectors. It has been realized that India would become a
prosperous and a modern state by raising skill levels, including by engaging a larger
proportion of apprentices, will be critical to success; as will stronger collaboration
between industry and the trainees to ensure the supply of skilled workforce and drive
development through employment. Various initiatives to build up an adequate
infrastructure for rapid industrialization and improve the industrial scenario in India have
been taken.

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1.3 Reformation

The Apprentices Act, 1961 has been amended and brought into effect from
22nd December, 2014 to make it more responsive to industry and youth. Key
amendments are as given below:

• Prescription of number of apprentices to be engaged at establishment level instead

of trade-wise.

• Establishment can also engage apprentices in optional trades which are not
designated, with the discretion of entry level qualification and syllabus.

• Scope has been extended also to non-engineering occupations.

• Establishments have been permitted to outsource basic training in an institute of

their choice.

• The burden of compliance on industry has been reduced significantly.

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 2. RATIONALE

[Need for Apprenticeship in Business Correspondent Business Facilitator]

1. It will enhance the ability to serve existing accounts and establish new accounts by
planning and organizing daily work schedule to serve the existing and new customers
of the bank.
2. It will enhance the ability to greet the customers, understand the various reasons for
which customers come to the branch.
3. It will enhance the ability to receive cheques from the customers, fill in the slip, identify
the mistakes etc.
4. It will be able to independently fill various forms.
5. It will enhance the ability to verify with the customers on required KYC documents,
verify the original KYC documents with the photocopies.
6. It will enhance the ability to resolve customer complaints by investigating problems;
developing solutions; preparing reports; making recommendations to the management.
7. It will enhance the ability to call and greet customers, handle objections etc.
8. It will enhance the ability to learn how to approach the customers, how to pitch the
product, etiquettes etc.

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 3. JOB ROLES: REFERENCE NCO

Brief description of Job roles:

Business Correspondent Business Facilitator -

The individual at work, as Business Correspondent, acts as an agent for selling banking
products and services, opens accounts, and executes deposit, payment and transfer
transactions. The individual at work, as Business Facilitator, introduces banking products to
the unbanked market segment and assists the bank in collecting receivables including bad
debt.

ALIGNED TO: NCO-2015/ 4419.0102

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 4. GENERAL INFORMATION

1. Name of the Trade : Business Correspondent

Business Facilitator

2. Job Role Code : BSC/Q0301

3. Duration of Apprenticeship Training : 12 months

(Break up of Apprenticeship Training)
(i) Duration of Basic Training : Nil
(ii) Duration of Practical Training/ : 12 months
On -job Training)

4. Entry Qualification : Passed Business Correspondent

Business Facilitator

5. Selection of Apprentices : The apprentices will be selected

as per Apprentice Act,1961
amended time to time.

Note: Industry may impart training as per above time schedule, however this is not fixed. The
industry may adjust the duration of training considering the fact that all the components
under the syllabus must be covered. However the flexibility should be given keeping in
view that no safety aspect is compromised and duration of industry training to be
remain as 1 year.

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 5. COURSE STRUCTURE

Training duration details: -

Time 1-12
(in months)
Practical Training (On - job training) Block – I

Components of Training Duration of Training in Months

1 2 3 4 5 6 7 8 9 10 11 12
Practical Training Block - I

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 6. SYLLABUS

6.1 PRACTICAL TRAINING (ON-JOB TRAINING)

(BLOCK – I)

DURATION: 12 MONTHS

GENERAL INFORMATION

1) Name of the Trade : Business Correspondent Business Facilitator

2) Batch size : a) Apprentice selection as per
Apprenticeship Guidelines

b) As per NAPS Guidelines

3) Examination : a) The internal assessment will be held on

completion of the block
4) Instructor Qualification :

i) Degree/Diploma in bachelor of commerce/business administration /retail management

from recognized university/Board with one/two year post qualification experience
respectively in the relevant field.

5) Infrastructure for On-Job Training : - As per Annexure – I

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 6.1.1 BROAD SKILL COMPONENT TO BE COVERED DURING ON-JOB TRAINING

BLOCK – I

1. Customer handling at the branch

2. Tele-calling - inbound and outbound
3. Accompanying Sales Force in the field
4. Independent Frontline Sales

DURATION: 12MONTHS (52WEEKS)

SL. NO LIST OF PRACTICAL SKILLS TO BE COVERED DURING ON JOB
TRAINING
1 Receiving Walk in Customers & Directing them to respective counters
2 Receiving Cheques from Customers
3 Helping Customers to Fill Various Forms - Savings Account / Loan Forms /
Mutual Fund / Insurance Forms, NEFT / RTGS forms
4 Verifying KYC documents with originals, Guiding them on correct KYC
documents and Accepting KYC documents
5 Helping Customer with Digital Interface, download the bank’s app on mobile,
download Account Statement, check balance on mobile, use ATM
6 Take customers through the internet banking module
7 Help customers open a fixed deposit online, to register and make utility bill
payments through internet banking / ATM
8 Educate customers about dos and don’ts in digital banking
9 Courteously greet the customer, Identify customers query and Resolve query
within specified turnaround times
10 How to pitch the product which is to be sold to the customer, Explain benefits
of the product and Close the sale & Obtain referrals
11 Accompany frontline sales in the field
12 Observe how seniors pitches the product and handles objections
13 Get various forms filled from the customer. Inform them of the documentation
required, collect the requisite documentation and forward the documentation to
the processing team.
14 Keep customer updated about status of application
15 Make cold calls to customers and generate appointments, Visit them to pitch
the product, handle objections and generate sales and referrals and service the
customer

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 7. ASSESSMENT STANDARD

7.1 Assessment Guideline:

Appropriate arrangements should be made to ensure that there will be no artificial
barriers to assessment. The nature of special needs should be taken into account while
undertaking assessment. Due consideration to be given while assessing for team work,
avoidance/reduction of scrape/wastage and disposal of scarp/wastage as per
procedure, behavioral attitude and regularity in training.

The following marking pattern to be adopted while assessing:

a) Weightage in the range of 60-75% to be allotted during assessment under following

performance level:

For this grade, the candidate with occasional guidance and showing due regard for
safety procedures and practices, has produced work which demonstrates
attainment of an acceptable standard of craftsmanship.

In this work, there is evidence of:

• Good skill levels in the use of hand tools, machine tools and workshop
equipment
• Many tolerances while undertaking different work are in line with those
demanded by the component/job.
• A fairly good level of neatness and consistency in the finish
• Occasional support in completing the project/job.

b) Weightage in the range of above75%- 90% to be allotted during assessment under

following performance level:

For this grade, the candidate, with little guidance and showing due regard for safety
procedures and practices, has produced work which demonstrates attainment of a
reasonable standard of craftsmanship.

In this work, there is evidence of:

• good skill levels in the use of hand tools, machine tools and workshop
equipment
• The majority of tolerances while undertaking different work are in line with
those demanded by the component/job.
• a good level of neatness and consistency in the finish
• little support in completing the project/job

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c) Weightage in the range of above 90% to be allotted during assessment under following
performance level:

For performance in this grade, the candidate, with minimal or no support in organization
and execution and with due regard for safety procedures and practices, has produced
work which demonstrates attainment of a high standard of craftsmanship.

In this work there is evidence of:

• High skill levels in the use of hand tools, machine tools and workshop equipment
• Tolerances while undertaking different work being substantially in line with those
demanded by the component/job.
• A high level of neatness and consistency in the finish.
• Minimal or no support in completing the project

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 7.2 FINAL ASSESSMENT- ALL INDIA TRADE TEST (SUMMATIVE ASSESSMENT)

SUBJECTS Marks Sessional Full Pass Duration of

Marks Marks Marks Exam.

Practical 280 280 60% 4 hrs.

Trade Theory 120 120 60% 2 hrs.
Grand Total 400 400 -

Note: - The candidate pass in each subject conducted under all India trade test.

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 8. FURTHER LEARNING PATHWAYS

Employment opportunities:

On successful completion of this course, the candidates shall be gainfully employed in the
following industries:

1. Banks
2. BPO

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 ANNEXURE – I

INFRASTRUCTURE FOR ON-JOB TRAINING

TRADE: BUSINESS CORRESPONDENT & BUSINESS FACILITATOR

Actual training will depend on the existing facilities available in the establishments.
However, the industry should ensure that the broad skills defined against On-Job Training part
(i.e. 12 months) are imparted. In case of any shortfall, the concern industry may impart the
training in cluster mode/ any other industry/ at ITI.

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 ANNEXURE-II

GUIDELINES FOR INSTRUCTORS AND PAPER SETTERS

1. Due care to be taken for proper & inclusive delivery among the batch. Some of the
following some method of delivery may be adopted:

A) LECTURE
B) LESSON
C) DEMONSTRATION
D) PRACTICE
E) GROUP DISCUSSION
F) DISCUSSION WITH PEER GROUP
G) PROJECT WORK
H) INDUSTRIAL VISIT

2. Maximum utilization of latest form of training viz., audio visual aids, integration of IT,
etc. may be adopted.

3. The total hours to be devoted against each topic may be decided with due diligence to
safety & with prioritizing transfer of required skills.

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