A Course on Understanding Personal and Business Loans

There are various financial needs for which customers require quick and convenient credit. This coupled with fierce competition in the financial services industry has led to popularity of unsecured loans.

Unsecured loans can be segregated into two broad categories, namely personal loans and business loans. While personal loans are funds borrowed for meeting personal financial needs, business loans are taken by customers who want extra cash to be utilized in fulfilling business needs like expansion, set-up etc. - both without offering any security or collateral.

In this course, we will discuss how unsecured funding works as a category for both the lender as well as the borrower, its key features, risk assessment and setting of interest rates. Understand the reasons why people need unsecured personal or business loans and why financial institutions are willing to offer them through our course. Learn how EMI rates are calculated along with the different eligibility criteria and features of business and personal loans.

Course Objective:

Discuss the key concepts of unsecured funding.
Compare and contrast secured and unsecured funding.
Understand the need for personal loans and business loans.
List and explain the key features of personal loans and business loans.
Explain the EMI computation, eligibility criteria and factors involved in pricing of personal and business loans.

Target Audience:

Individuals working in banks, and other lending institutions
Job seekers in the financial sector
Individuals aspiring for careers as loan officers or underwriters
Students and Professionals seeking knowledge on the working of unsecured funding

Content:

Unsecured Lending
Personal Loans
Business Loans

Fees - Rs. 2000/- plus taxes

FAQS

What is the eligibility criteria to register for this course?

CIEL's online courses are best suitable for individuals post their graduation. The graduation can be completed in any field / specialisation.

Is the certification / course recognised?

CIEL has been creating courses and delivering trainings for corporates in the BFSI space for over a decade. Leading Banks, Mutual Funds and NBFCs are our client. CIEL's Wealth Management Advance Certification is accredited by NISM under Regulation 7(2) of the SEBI (Investment Advisers) Regulations, 2013. Our online courses are very well recognised in the industry and are used by professionals at the time of induction and career progression.

Will CIEL assist in job search after completing the courses?

Completing CIEL's courses will enable you to showcase extra effort to prospective employers and enhance your employability. Leading Bank, Mutual Funds and NBFCs are CIEL's clients and our courses are extremely recognized by them.

What is the format of the course?

It is an interactive online course interspersed with videos and quizzes for self-evaluation.

Will I receive a certification on completion of the course?

On completing the course you will receive a completion certificate. An E-Certificate will be sent to you on email. Click to view a sample certificate.

Is there an exam at the end of the course?

The course is interspersed with quizzes at the end of each module for self-evaluation. There is no exam at the end of the entire course.

What support will CIEL provide?

You may send us your queries / doubts related to the content or for any technical lcsupport@ciel.co.in and we will respond at the earliest.

What is the duration of the course?

The course access will be available to you for a period of 45 days from the date you receive the login credentials.

How can I purchase the course? / How can I make a payment for the course?

You can register online by clicking on "Subscribe" and then process to payment. The payment can be made by online vide Debit / Credit cards, Net-banking, Cash Cards, Mobile Payments, Wallet and UPI.

What are the technical requirements to access the course?

The software and hardware requirements are as below - Desktop/Laptop with min 2 mbps internet speed Latest versions of IE/Chrome/Mozilla browsers. Chromes is recommended. Acrobat Reader and Flash player 10 or above is installed. The course can be accessed through the desktop and laptop only, cannot be accessed from IPads and Mobiles.

Can I purchase more than one course in one single transaction?

Yes, you may select more than 1 course under a single payment transaction and make the payment online.

Will I get a confirmation for my transaction?

Yes, you will receive an email confirmation from orders@ciel.co.in for your payment made.

How will I get access to the course after making the payment?

Once your transaction is confirmed, you will receive an email from lcsupport@ciel.co.in within 2 hours which will give your login credentials, link for accessing the course along with the course details.