Jagan Institute of Management Studies (JIMS), Rohini, organized an academic guest session for the students of PGDM/IB/RM under the FIM curriculum on “Contemporary Banking Practices.” The session was conducted by Mr. Prateek Gupta, Associate Vice President at DCB Bank, who shared practical insights into modern banking systems, credit processes, and real-world industry practices. The session aimed to help students understand how banks function beyond theory, particularly the loan approval and monitoring lifecycle.
The session began with an overview of the Indian banking sector and its current landscape. Mr. Gupta explained the key functions of banks, including deposit mobilization, lending, financial inclusion, payment and settlement systems, and utility services. He also discussed various loan products such as home loans, vehicle loans, education loans, personal loans, working capital finance, term loans, and project loans, giving students clarity on how banks manage credit and maintain financial stability through structured processes.
Mr. Gupta explained the complete credit lifecycle from loan sanction to recovery, highlighting the role of the Credit Administration Department (CAD) as a gatekeeper before disbursement. He emphasized the importance of the 5 C’s of Credit—Character, Capacity, Capital, Collateral, and Conditions—and the significance of documentation, legal verification, stamping, and KYC compliance in safe banking. The session also covered loan disbursement procedures, post-disbursement monitoring, early warning signals, and the lifecycle and classification of Non-Performing Assets (NPAs), along with real-life banking case examples and the role of technology in modern risk monitoring.
Overall, the session was practical and informative. It enhanced students’ understanding of real banking operations, credit management, compliance, and risk monitoring, providing them with meaningful insights into contemporary banking practices.