3 Years
Under Graduate
Commerce
Full Time
Syllabus 2026
The Bachelor of Commerce in Banking and Insurance is a three-year undergraduate program emphasizing the provision of extensive learning in financial services, risk and insurance and banking business practice. The program includes core commerce courses and specialized subjects like Financial Accounting, Bank Legislation, Principles of Insurance and Risk Measurement to make the student professionally competent in the ever-changing finance sector.
The syllabus of B.Com in Banking and Insurance 2026 is planned for six semesters, spreading across a host of subjects. During the initial year, the students are made familiar with the basic subjects of Financial Accounting, Principles of Management, Business Economics, and Business Communication.Advanced subjects such as Financial Management, Costs Accounting, Taxation, and Financial Markets are dealt with in the second year.Banking Laws, Insurance Rules, and Risk Management are also addressed to get the students acquainted with the legal and regulatory frame of the industry. Advanced subjects such as Investment Analysis, Portfolio Management, International Banking, and Financial Risk Management are included in the course in the third year.
Graduates in B.Com in Banking and Insurance have good long-term career opportunities in the financial industry. They can work as Bank Officers, Financial Analysts, Risk Managers, Insurance Advisors, and Investment Consultants. Major banks, insurance companies, financial institutions, and regulatory organizations prefer experts in the areas of financial services, banking operations, and insurance policies actively. Most students also opt for higher studies like MBA in Finance, Chartered Accountancy (CA), or Certified Financial Planner (CFP) certifications to improve their professional prospects.
The 1st semester curriculum of B.Com in Banking and Insurance focuses on building a solid commerce, finance, and management base. Financial Accounting, which covers accounting concepts and financial statements, and Principles of Management, which introduces students to the workings of a business, are significant topics.Micro & Macro Economics enables students to grasp market structures, while Business Communication develops professional skills. Quantitative Techniques imparts statistical and mathematical techniques applied in banking and insurance. Also, Environmental Studies and the Foundation Course give an overview of sustainability and the financial system. These courses equip students with the knowledge required for a career in the banking and insurance sector.
Here is a table outlining the B.Com in Banking and Insurance 1st Semester Syllabus:-
|
Subject Name |
Topics Covered |
|
Financial Accounting – I |
Accounting principles, financial statements, transaction recording |
|
Principles of Management |
Management functions, leadership, decision-making |
|
Micro & Macro Economics |
Demand & supply, market structures, inflation, national income |
|
Business Communication – I |
Business letters, reports, verbal & non-verbal communication |
|
Quantitative Techniques (Mathematics & Statistics) |
Probability, data analysis, mathematical concepts in finance |
|
Environmental Studies |
Sustainable development, environmental laws, CSR |
|
Foundation Course – I |
Indian financial system, banking & insurance overview, ethics |
The 2nd semester of B.Com in Banking and Insurance has major subjects like Financial Accounting, Principles of Banking and Insurance, Microeconomics, Business Mathematics, and Corporate Laws. The students study banking operations, insurance policies, risk management, and financial regulations. Marketing of Banking & Insurance Services, customer relationship management, and digital banking are also included in the syllabus. Environmental Studies also focuses on green banking practices. This semester maintains the groundwork for a career in financial services, banking, and insurance with analytical and problem-solving expertise required for the insurance and banking industry.
Here's a table outlining the B.Com Banking and Insurance 2nd Semester Subjects in a structured format:-
|
Subject Name |
Topics Covered |
|
Financial Accounting – II |
Partnership accounts, Branch and departmental accounts, Consignment and joint ventures |
|
Principles of Banking and Insurance |
Functions of banks, Types of bank accounts, Types of insurance policies, Risk management |
|
Microeconomics – II |
Market structures (Perfect competition, Monopoly, Oligopoly), Consumer behavior, Demand and supply analysis |
|
Business Mathematics and Statistics |
Probability, Correlation and regression, Index numbers, Time series analysis |
|
Corporate Laws and Governance |
Companies Act, Memorandum and Articles of Association, Corporate social responsibility (CSR) |
|
Marketing of Banking & Insurance Services |
Marketing strategies in banking, Customer relationship management, Digital banking and insurance |
|
Environmental Studies |
Sustainable development, Environmental policies, Impact of banking and insurance on the environment |
The 3rd semester B.Com in Banking and Insurance has core subjects such as Financial Management, Banking Law and Practice, Insurance Law, and Cost Accounting. The students study capital structure, risk management, banking regulation, and insurance policy. E-Banking and Financial Services cover online banking, mobile banking, and security. Macroeconomics covers national income, inflation, and fiscal policy, and Business Communication develops professional skills. This semester offers a broad understanding of the insurance and banking sector, which prepares students for banking operations, insurance management, and financial services careers.
Below is a structured table of subjects commonly included in the 3rd Semester:-
|
Subject Name |
Topics Covered |
|
Financial Management |
Capital structure, Working capital management, Investment decisions |
|
Banking Law and Practice |
Banking Regulation Act, Negotiable Instruments Act, RBI functions |
|
Insurance Law and Practice |
IRDA regulations, Life and general insurance, Claim settlement |
|
Cost Accounting |
Cost concepts, Budgeting, Marginal costing, Standard costing |
|
E-Banking and Financial Services |
Online banking, Mobile banking, Digital payments, Cyber security |
|
Business Communication |
Corporate communication, Report writing, Business letters |
|
Macroeconomics |
National income, Inflation, Monetary and fiscal policies |
Core Commerce & Finance Subjects
|
Subject |
Topics Covered |
|
Financial Accounting |
Basics of Accounting, Journal & Ledger, Final Accounts, Partnership Accounting |
|
Cost Accounting |
Costing Methods, Marginal Costing, Budgeting, Variance Analysis |
|
Management Accounting |
Ratio Analysis, Cash Flow & Fund Flow Statements, Budgetary Control |
|
Financial Management |
Capital Structure, Working Capital, Investment Decisions, Dividend Policies |
|
Investment Analysis & Portfolio Management |
Stock Valuation, Risk & Return, Portfolio Diversification, Mutual Funds |
|
Taxation |
Income Tax, GST, Corporate Taxation, Tax Planning, E-Filing |
|
Business Law |
Contract Law, Company Law, Sale of Goods Act, Negotiable Instruments Act |
Banking Specialization Subjects
|
Subject |
Topics Covered |
|
Principles & Practices of Banking |
Functions of Banks, Banking Regulations, Role of RBI |
|
Retail & Corporate Banking |
Loans & Advances, Credit Risk Analysis, Asset-Liability Management |
|
International Banking & Finance |
Foreign Exchange, SWIFT, Trade Finance, Forex Risk Management |
|
Monetary & Financial Systems |
Money Supply, Inflation Control, RBI Policies, Financial Institutions |
|
Banking Technology & E-Banking |
Mobile & Internet Banking, UPI, Digital Payments, Cybersecurity |
|
Banking Regulations & Laws |
Basel Norms, Banking Ombudsman, Anti-Money Laundering Laws |
|
Central Banking & Monetary Policy |
Role of Central Banks, Monetary Tools, Inflation Targeting |
Insurance Specialization Subjects
|
Subject |
Topics Covered |
|
Principles & Practices of Insurance |
Types of Insurance, Insurance Contracts, Underwriting |
|
Insurance & Risk Management |
Risk Assessment, Reinsurance, Claim Settlement |
|
Life & Health Insurance |
Term Plans, Endowment Plans, Medical Insurance Policies |
|
General Insurance |
Fire, Marine, Motor, Liability Insurance |
|
Actuarial Science & Insurance Pricing |
Risk Calculation, Premium Pricing, Claim Probability |
|
Insurance Laws & Regulations |
IRDA Guidelines, Consumer Protection, Insurance Ombudsman |
Business & Management Subjects
|
Subject |
Topics Covered |
|
Principles of Management |
Planning, Organizing, Leadership, Decision-Making |
|
Marketing of Banking & Insurance Services |
Service Marketing, Customer Relationship Management (CRM) |
|
Customer Relationship Management (CRM) |
Customer Retention, Service Quality, Complaint Handling |
|
Organizational Behavior |
Motivation, Leadership, Conflict Resolution, Teamwork |
|
Entrepreneurship & Business Development |
Startups, Business Planning, Venture Capital |
|
Business Ethics & Corporate Governance |
CSR, Ethical Banking, Corporate Governance Practices |
Analytical & Technology-Based Subjects
|
Subject |
Topics Covered |
|
Business Mathematics |
Profit & Loss, Interest Calculations, Matrices, Ratios |
|
Business Statistics |
Probability, Hypothesis Testing, Data Analysis |
|
Financial Derivatives & Risk Management |
Futures & Options, Hedging Strategies, Swaps |
|
Derivative Markets |
Arbitrage, Speculation, Market Trends |
|
Computer Applications in Banking & Insurance |
MS Excel, Tally, Core Banking Software, Cybersecurity |
|
Research Methodology |
Data Collection, Research Design, Report Writing |
Practical Training & Project Work
|
Subject |
Topics Covered |
|
Internship / Project Work |
Industry Internship, Banking & Insurance Research Report |
|
Case Studies & Live Projects |
Real-World Banking & Insurance Case Studies, Business Simulations |
B.Com in Banking and Insurance is a three-year undergraduate degree program specializing in banking, insurance, finance and risk management. It includes courses such as financial accounting, banking law, corporate finance, risk management and auditing. Students gain comprehensive knowledge of financial markets, investment schemes and insurance policies.Graduates are ready to work in banking institutions, insurance companies, financial consultancies, and investment companies. Given mounting demand for banking and insurance, BBI presents excellent career opportunities in areas such as credit analysis, risk analysis, and finance planning. It is a worthy choice for persons who love working with finance.
Here is a table listing the common subjects covered in a B.Com in Banking and Insurance:-
First Year Subjects
|
Semester 1 |
Semester 2 |
|
Financial Accounting |
Cost Accounting |
|
Principles of Management |
Organisational Behaviour |
|
Business Communication |
Business Law |
|
Business Economics – I |
Business Economics – II |
|
Quantitative Techniques – I |
Quantitative Techniques – II |
|
Principles & Practices of Banking & Insurance |
Financial Markets |
Second Year Subjects
|
Semester 3 |
Semester 4 |
|
Financial Management |
Management Accounting |
|
Corporate Accounting |
Corporate Finance |
|
Direct Taxation |
Indirect Taxation |
|
Marketing of Financial Services |
Entrepreneurship Development |
|
Banking Law & Practices |
Life & General Insurance |
|
Environmental Studies |
Customer Relationship Management |
Third Year Subjects
|
Semester 5 |
Semester 6 |
|
International Banking & Finance |
Risk Management |
|
Financial Services |
Strategic Management |
|
Investment Analysis & Portfolio Management |
Central Banking |
|
Financial Reporting & Analysis |
Treasury Management |
|
Auditing & Assurance |
Research Methodology |
|
Elective Subject (varies) |
Project Work |
B.Com in Banking and Insurance (BBI) is a popular program for those who want to pursue a career in finance, banking, and risk management. Entrance exams are held by most universities for shortlisting students based on their knowledge in main subject areas. Quantitative Aptitude, Logical Reasoning, English Language, General Awareness, and Business & Commerce Knowledge are the usual subjects covered. Profit & Loss, Banking Laws, Financial Markets, and Insurance Principles are important topics.
To prepare well, students must practice solving question papers of past years, enhancing their ability to reason, and keeping themselves aware of current financial news.The fundamentals of financial management, economics, and accounting have to be solid.Problem-solving and analytical skills are what are tested in the exam, thus practicing it on a daily basis is essential.
A BBI degree provides career prospects for professional careers in insurance companies, financial companies, banks, and investment consultancies. With increasing demands for finance professionals, clearing the B.Com Banking and Insurance entrance exam guarantees a bright career as a finance professional.
Here is a well-structured table covering the B.Com Banking and Insurance Entrance Exam Syllabus & Preparation:-
|
Section |
Topic Covered |
Preparation Tips |
|
English Language & Comprehension |
Reading Comprehension, Grammar, Synonyms & Antonyms, Sentence Correction, Idioms & Phrases, Error Detection |
Read newspapers, practice grammar exercises, and attempt mock tests. |
|
Quantitative Aptitude |
Number System, Profit & Loss, Percentage, Ratio & Proportion, Simple & Compound Interest, Time & Work, Probability, Algebra, Data Interpretation |
Practice formulas, solve sample papers, and improve speed with mental calculations. |
|
Logical & Analytical Reasoning |
Coding-Decoding, Blood Relations, Syllogism, Series Completion, Puzzles, Statement & Conclusion, Directions, Analogies |
Solve reasoning puzzles daily and attempt previous years’ papers. |
|
General Awareness & Current Affairs |
Banking & Insurance Sector, Economy, Indian Financial System, Government Schemes, Recent News in Finance & Business |
Read business newspapers, follow financial news, and stay updated with current affairs. |
|
Business & Commerce Knowledge |
Accounting Principles, Business Laws, Indian Economy, Financial Markets, Basics of Banking & Insurance |
Study commerce textbooks, understand key concepts, and revise regularly. |
B.Com in Banking and Insurance acquaints students with detailed knowledge of finance, banking rules, risk management, and investment practices. To be successful, students need to refer to standard books such as "Principles & Practices of Banking" by IIBF, "Financial Accounting" by P.C. Tulsian, and "Risk Management & Insurance" by Trieschmann. The books deal with major subjects like corporate finance, portfolio management, auditing, and business law. Upkeep of knowledge related to financial markets, banking policies, and principles of insurance is necessary for career development. Proper selection of the right B.Com Banking and Insurance course books develops strong subject understanding and improved career prospects in the finance industry.
Here is a list of recommended B.Com Banking and Insurance (BBI) course books based on key subjects covered in the program:-
|
Subject |
Book Title |
Author / Publisher |
|
Financial Accounting |
Financial Accounting |
P.C. Tulsian |
|
Principles of Management |
Principles of Management |
Harold Koontz & Heinz Weihrich |
|
Banking & Insurance |
Principles & Practices of Banking |
Indian Institute of Banking & Finance (IIBF) |
|
Business Law |
Business Law |
P.C. Tulsian & Bharat Tulsian |
|
Corporate Finance |
Fundamentals of Financial Management |
Prasanna Chandra |
|
Risk Management |
Risk Management & Insurance |
Trieschmann, Hoyt & Sommer |
|
Investment & Portfolio Management |
Investment Analysis & Portfolio Management |
Prasanna Chandra |
|
Marketing of Financial Services |
Services Marketing |
Zeithaml & Bitner |
|
Auditing & Assurance |
Auditing Principles and Practice |
Aruna Jha |
|
Business Economics |
Business Economics |
D.N. Dwivedi |
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