The banking sector, indeed, stands out as a stalwart in the global economies and has offered job security in times of recession or such market-related upheaval. It has been projected that nearly a million annual openings will be created, with most jobs being business and financial-related, and therefore, the field of banking will continue to grow compared to others. However, contrary to popular belief, pursuing a four-year degree is not always mandatory; there are alternative viable options available for students right after 12th grade. Retail banking, investment analysis, innovation in fintech, and risk management are areas where talent with specific skills and credentials is welcome in the industry. The article explains the top banking courses after 12th, their eligibility criteria, and the promising options, with regard to a career after banking courses.
List of Top Banking Courses Students Can Pursue After Completing Their 12th Studies
The table below contains the list of all the top professional banking courses that the aspiring students can opt for. The post-12th banking courses have been segmented into undergraduate, professional certifications and diploma/short-term courses.
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Category
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Course / Certification
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Duration
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Eligibility
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Overview
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Undergraduate Degrees
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B.Com in Banking & Finance
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3 years
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10+2 in Commerce (min. 50% marks)
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Places strong foundations in accounting, taxation, financial markets, and banking laws, often pursued for careers in retail banking, auditing, and credit analysis.
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BBA in BFSI (Banking, Financial Services & Insurance)
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3 years
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10+2 from any stream
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This program is primarily based on the management concepts, insurance operations, and broader financial services. Students are equipped to become branch managers, relationship officers, or wealth advisors.
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B.Sc in Banking & Finance
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3 years
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10+2 with Mathematics/Economics
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Covers the subjects of risk analysis, data management, and financial modelling with a particular interest in corporate banking and all the related profiles.
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BA in International Finance & Banking
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3 years
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10+2 from any stream
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Covers global finance, foreign exchange markets, and cross-border trade. It is suitable for careers in international banks, forex firms, and global financial institutions.
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Bachelor of Economics (B.Econ)
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3–4 years
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10+2 in any stream (Commerce preferred)
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Focused on economic policies, market systems, and financial structures. This leads most students to research roles in the government departments or roles that are policy-based.
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Bachelor of Management Studies (BMS – Finance Specialisation)
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3 years
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10+2 in any stream
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Provides managerial knowledge on corporate finance, investment, and risk management. Popular among students aspiring for business and banking leadership positions.
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BA (Hons) in Economics
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3 years
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10+2 in any stream
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Goes much deeper into economic theory and quantitative analysis. Preferred by those planning for higher studies or research in economics and finance.
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B.Com in Banking & Insurance
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3 years
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10+2 in Commerce/Any stream
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Incorporates core commerce subjects with specialised knowledge in insurance and banking practices. Opens doors with insurance companies, private banks, and financial consultancies.
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B.Voc in BFSI & Actuarial Studies
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3 years
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10+2 in any stream
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Combines vocational training in BFSI education and training in actuarial skills. Provides an exposure to real market experience as well as employability skills.
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Professional Certifications
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Chartered Accountant (CA)
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4–5 years
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10+2 or a graduate in Commerce
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It is one of the most sought-after qualification programs in finance. Deals with taxation, auditing, and financial reporting. This is the most openly recognised qualification for a senior management post in the area of finance and accounting.
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ACCA (Association of Chartered Certified Accountants)
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2–3 years
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10+2 or graduate
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This is the international certification in terms of accounting and auditing. Its standard can be found in 180 countries all over the world, and has been especially relevant to those whose aspirations are directed toward a global career.
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CFA (Chartered Financial Analyst)
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2–4 years
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Graduate (final-year students eligible)
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Offers highly reputed qualifications in the area of investment finance, especially in Investment Banking, Portfolio Management, and Equity Research
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FRM (Financial Risk Manager)
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1–2 years
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Graduate
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Deals with credit, operational, and market risk. Preferred by professionals willing to take up a career involving risk assessment and financial compliance.
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CFP (Certified Financial Planner)
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1–2 years
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Graduate (or as per FPSB rules)
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Deals with personal finance and tax strategies as well as wealth planning. Most popular among financial advisors and wealth managers.
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CPA (Certified Public Accountant – US)
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1–1.5 years
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Graduate (Commerce preferred)
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Internationally accepted accounting credential with specialisation in US GAAP, auditing, and financial reporting.
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IIBF Certifications (JAIIB, CAIIB, etc.)
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Short-term
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10+2 or graduate (depending on program)
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Indian Institute of Banking & Finance offers this course. The course content includes topics such as treasury operation management, foreign exchange, retail banking, and risk management.
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NSE Certifications
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Short-term (weeks to months)
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Graduate or working professionals
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Industry-recognised certifications in capital markets, portfolio management, and technical analysis for trading and investment professionals.
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Diplomas / Short-Term Programs
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Diploma in Banking & Finance
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1 year
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10+2 in any stream
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Imparts practical knowledge of compliance, customer service, and loan processing.A good option for quick entry into banking operations.
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Specialised IIBF Diplomas
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Varies
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10+2 or graduate
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Includes diplomas in Treasury, Risk Management, International Banking, and Wealth Management. It is suitable for working professionals in banking.
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NISM Diplomas & Certifications
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Varies (6 months–1 year)
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Graduate
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Conducted at the National Institute of Securities Markets. Involves securities market operations, investment advisory, and portfolio management
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What is the Eligibility for Banking Courses after 12th?
On the whole, the eligibility for banking courses of almost all the courses requires the candidate to have passed the 12th grade from a recognised board with a minimum of 50% marks. Although it is mainly the Commerce students who have an upper hand, still maximum programs also welcome students having a Science or an Arts background. Entrance exams like the CUET or BUMAT are essential in order to pursue studies in top universities. After graduation, a professional certification program may be possible to undertake, but usually, preparation can be conducted in parallel with undergraduate studies.
What are the Career Opportunities Available After Studying Professional Banking Courses?
Roles in public banks such as SBI, RBI, or PSUs are secured through various exams like IBPS PO, SBI Clerk and RBI Assistant. These jobs offer job security, pensions, and career growth. The best options in terms of career after banking courses have been detailed below.
Private Sector Banks
- Financial Analyst: Analyses emerging trends in the market along with potential investment opportunities (4-8 LPA).
- Relationship Manager: Devotes time towards managing portfolios of clients and sells banking products (4-7 LPA).
- Loan Officer: Searches for the creditworthiness and approval of loans (3-6 LPA).
- Investment Banking: Serves deals in Mergers & Acquisitions, IPOs and capital raising (7-20 LPA).
Other Financial Institutions
Non-Banking Financial Companies (NBFCs), credit rating agencies, and fintech firms hire graduates for roles in risk analysis, digital banking, and financial advisory.
How To Ensure You Select the Right Banking Course After 12th for Yourself?
It is important to consider factors like personal career goals, duration of your shortlisted banking course/s, the fee structure and alignment of your skills. By considering them, you can be assured of choosing the best banking course after 12th for yourself.
Conclusion
A combination of stability, growth, and diversity can be found in the banking industry. Choosing the appropriate banking course after 12th grade, such as getting a degree or diploma or taking a professional banking course, will open doors to various opportunities in the public and private sectors. With eligibility criteria specific to banking courses and prescribed paths, students from all streams can create their dream careers after completing banking courses. Create your own path for becoming a part of this industry that works towards the global progress of economies.
FAQs
What is the best banking course after 12th for a high-paying job?
In your case, the "best" course relates to your long-term goals. For an entry-level job offering a good grounding, a BBA in banking and finance can be selected. A better option for high-paying special jobs will be to go into a professional field in banking after graduation. This involves pursuing courses such as CFA (Chartered Financial Analyst), which can be extremely beneficial.
Are art students eligible for banking courses after 12th?
Yes, students of art are eligible to take admission into several banking courses after 12th. BBA in Banking and Finance or BA in Economics will be available for all streams. Commerce students may have little familiarity with finance subjects; nevertheless, a strong interest and commitment to the chosen banking courses will lead to a very positive outcome to build a good career despite their 12th-stream background.
What is the minimum percentage required for banking courses after 12th?
The minimum percentage required to be eligible for banking courses varies based on the institution. However, usually, a minimum of 45% to 50% is required in your 12th-grade board examinations. A high percentage, usually 60% or more, is required for top-level colleges and universities, and some institutions also need a valid entrance exam score.
Can I get a government bank job right after 12th?
While moderate-to-low grade bank exams like IBPS can be given after the 12th, a degree is still mandatory for PO selection. Therefore, a banking course after the 12th can make a real difference in your chances and offer insight into the improved understanding of the particular exam syllabus.
What is the procedure to gain an occupation in Banking that is secure, after 12th?
The best way to secure a good job is by taking on an undergraduate degree like B.Com or BBA. With this, you have a building platform that makes your choice stronger in terms of academics. You can also undertake short-term professional banking courses that will equip you with the relevant skills and certifications, gaining some mileage for your resume.
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