Certificate Examination In SME Finance For Bankers

Indian Institute of Banking and Finance

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Important information

Typology Certificate
Methodology Distance learning
Location Mumbai
  • Certificate
  • Distance learning
  • Mumbai

Considering the growing importance of SME finance in the Banking Industry, this course is intended to equip practicing banking and finance professionals to have indepth knowledge in the field of SME finance is the objective of this course.


Where and when

Starts Location
On request
The Arcade', World Trade Centre, 2nd Floor, East Wing, Cuffe Parade, 400005, Maharashtra, India
See map
Starts On request
The Arcade', World Trade Centre, 2nd Floor, East Wing, Cuffe Parade, 400005, Maharashtra, India
See map

Frequent Asked Questions

· Requirements

ELIGIBILITY: Any Graduate of a recognized university will be eligible for admission.

Course programme


I. Setting up SME

Evolution, Definition of SMEs, Characteristics, Role in Economic Development., Needs of SMEs Forms of Organisations; Proprietary, Partnership, HUFs, Company etc., Establishing SMEs: Environmental Scanning, Market Assessment, Technology, Selection of Site, etc., - Organisational Structures - Rules & Regulations - Gender & Entrepreneurial Development.

II. SMEs: Policy, Regulatory and Legal Framework

Policy Framework for SMEs- Policy Shifts since 1991 - Regulatory Framework - Laws and Regulations for SMEs- SME Development Bill, 2005 - LLP Act , Changing Policy Framework & SME Strategies

III. Institutional Framework & SME Financing

Institutions - Central Government - SSI Board, SIDO, SISI, PPDCs, RTCs, CFTI, NISIET, NIESBUD, NSIC - State Government: Directorate of Industries, DICs, SFCs, SIDC/SIIC, SSIDC - Financial Institutions & Banks; SIDBI, Commercial Banks, RRBs and Co-op.Banks etc., - Enterprise Perspective - Banker's Perspective.

IV. Financing Options & Modes

Sources of finance and methods of financing SMEs, relevance of quasi capital and own money in business-Venture Capital, Hybrid Capital, special financial products for SMEs, Assessment of Term Finance/ Working Capital for SMEs- Credit Risk Management of SMEs- Appraisal, assessment, collaterals, documentation, inspection, follow-up and monitoring and review, Credit Scoring models, Standing and liquidity assessment ,Credit pricing of SMEs

V. SME Development

Business Development Service Providers- Role & Responsibilities - Improving Competitiveness of SMEs through Enhancing Productivity - Market Promotion and Development - technological Development in SMEs - Environmental Impact Assessment, Modernisation issues (technological and quality upgradation), Role and Functions of Credit Guarantee Trust for small industries (CGTSI)

VI. Clusters and Cluster Development

What are Clusters? - Why Clusters - Types of Clusters - Advantages and Disadvantages - Role of Clusters - Setting up of Clusters - Approaches to Develop Cluster Strategies - Measuring Cluster Development - Critical Success Factors (lending economics to clusters from the angle of bankers and borrowers)- Policy Environment - Successful Clusters ; India and Global.

VII. SME : Rehabilitation

Sickness-symptoms, warning signals, diagnosis and prescriptions, rehabilitation, restructuring, holding on operations, work out, NPA management, recovery options, legal aspects/options, securitization and exit options/alternatives

VIII. Future of SMEs -

Micro Finance Approach to SMEs -Linkages with Agriculture and industry - IT and SMEs - Relationship banking and its impact in SME development -WTO issues, impact on SMEs - BASEL II - globalizationissues, impact, intermediation opportunities and Emerging issues affecting SMEs.

Additional information

Payment options: First attempt: - Rs.1500/- : For members -Rs.2500/- : For non-members Subsequent each attempt: - Rs.1000/- : For members -Rs.1000/- : For non-members Note: Includes registration fee of Rs.500/-

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