HSC NCTB Syllabus Finance Banking and Insurance
HSC NCTB Syllabus Finance Banking and Insurance
HSC NCTB Syllabus Finance Banking and Insurance
2012
RvZxq wkvbxwZ
wkv_x 2010
wkvgi iciLv cYqb
wkvgi mg^qmvab
I mvweK ic`vb
DPZi `Zvi
DPwkv (mvaviY, gv`vmv, ckvMZ) Kg
KgRxeb
gagvbi `Zvi
gvawgK wkv Kg
KvwiMwi wkv
beg _K v`k kwY
(mvaviY, gv`vmv) cek `Zvi Kg
DPZi `Zvi
ewg~jK wkv
ewg~jK wkv
cv_wgK/GeZ`vwq wkv
(c_g _K Ag kwY)
cvK-cv_wgK wkv
RvZxq wkvbxwZ 2010 Gi wfwZ AwZ AMmiY cevn wPvbymvi 8eQi gqvw` evaZvg~jK I AeZwbK cv_wgK
wkv kl Ki gav I ceYZvi wfwZ wkv_x`i GKwU Ask Pvi eQi gqvw` gvawgK wkvq Ges Ab AskwU
ewg~jK wkvq cek Kie| gvawgK wkv kl Zviv DP wkvq hve| Ze gvawgK chvqi c_g `yeQi kl
KD KD KvwiMwi wkvq hve| ewg~jK wkv mgvKvix`i GKwU Ask cek `Zvi KgRxeb cek Kie,
Abiv DPZi `Zvi ewg~jK wkv MnY Kie| GB wkv kl wKQz msLK wkv_x KvwiMwi wkvq hve Ges
Abiv gagvbi `Zvi KgRxeb cek Kie| KvwiMwi wkv kl KD KD DPwkvq (ckvMZ) hve, KDev
gagvbi `Zvi KgRxeb cek Kie| DPwkv kl DPZi `Zvi KgRxeb cek Kie| Gfve wewfb vb
I `Zv wbq Zviv KgRxeb i Kie|
4.2.3 wkvg Dbqbi wbavwiZ bxwZgvjv I wkv Kvhg mgvKvix`i wkvq AMmiY wPK mwq weePbvq iL
wkvgi Lmov iciLv cYqb Kiv nq| Lmov iciLvwU wkvg weklMYi ek KqKwU AfixY mfvq
chvjvPbv I cwigvRb Kiv nq| Gfve cwigvwRZ wkvKg iciLvwU RvZxq chvqi 2wU mwgbvi Dcvcb I
chvjvPbv Kiv nq| Gme mwgbvi RvZxq chvqi wkvg wekl, welq wekl, wkvwe`, wkK-wkvq
wekl, wkv ckvmK, kwYwkKe` AskMnY Kib| G mwgbvi evsjv`k RvZxq msm`i KqKRb gvbbxq
msm` m`m I RvZxq chvqi ek KqKRb bZe` AskMnY Ki gZvgZ c`vb Kib| mwgbvi _K cv mycvwik
weePbvq iL wkvKg iciLvwU cwigvRb Kiv nq| cwigvwRZ iciLvwU RvZxq wkvg I cvVcyK evW Ges
RvZxq wkvg mg^q KwgwU KZK Abygvw`Z nq|
4.2.4 wkvgi iciLvq Afy welqmg~n nQ wkvi j I mvaviY Dk, iwfwK wbevwPZ welq, welqwfwK
b^i eb I mvvwnK wcwiqW msLv, wkveli Kgw`em, wcwiqWi evw, RvZxq w`emmg~n KiYxq BZvw`|
2. wkvgi 2.1 wkvg Dbqbi bxwZgvjv wbaviY 2.1 wkvg civgkKi wb`kbvq
iciLv cYqb GmBGmwWwc GbwmwUwei wkvg
wekle`
2.2 wkv Kvhg mgvKvix`i AMmiY 2.2 wkvg civgkKi wb`kbvq
cevn wP cYqb GmBGmwWwc GbwmwUwei wkvg
wekle`
2.3 wkvgi iciLv cYqb 2.3.1 wkvg civgkKi wb`kbvq
GmBGmwWwci wkvg
wekle`
2.3.2 RvZxq mwgbvi `ywUZ
AskMnYKvixe`
3. welqwfwK 3.1. wkvg Dbqbi Dci wbweo cwkY 3.1. wkvg civgkK I UKwbKvj
wkvg Dbqb c`vb KwgwU
3.2. welqwfwK wkvg Dbqb 3.2.1 wkv wekl, welq wekl,
Awf kwYwkK, GbwmwUwe I
GmBGmwWwci weklMYi
mg^q MwVZ welqwfwK wkvg
Dbqb KwgwU
3.2.2 wefvMxq Kgkvjvq AskMnYKvix
welqwfwK wkK I
GmBGmwWwci wkvg
wekle`
3.2.3 UKwbKvj KwgwU I fwUs KwgwU
4. wkvgi 4.1. wkvgi mvgwMKfve chvR Ask 4.1.1 wkvg civgkK I GmBGmwWwci
mg^q mvab I Zwi I mKj Aski mg^q RvZxq wkvg wekle`
Abygv`b wkvg 2012 ic`vb 4.1.2 UKwbKvj KwgwU I fwUs KwgwU
4.1.3 cdkbvj KwgwU I GbwmwUwe
4.2. RvZxq wkvg 2012 P~ov Abygv`b 4.2 RvZxq wkvg mg^q KwgwU
2013 - 2014 wkveli Rb RvZxq wkvg 2012 Gi wb`kbv Abymvi GKv`k I v`k kwYi welq KvVvgv wbic :
1. wkv_x wbi hKvbv GKwU kvLvq fwZ nZ cvie| kvLvmg~n nQ -
K. gvbweK L. wevb M. eemvq wkv N. Bmjvg wkv O. Mvnwevb Ges P. msMxZ
2. mKj kvLvi AvewkK welq 1. evsjv (cyivZb wkvg) 2. BsiwR (cyivZb wkvg) 3. Z_ I hvMvhvM chyw
3. kvLvwfwK welqmg~n wbic -
kvLv kvLvwfwK AvewkK welq kvLvwfwK HwQK welq (GKwU bIqv hve)
wevb 4. c`v_wevb 7. (K) Rxewevb, (L) DPZi MwYZ, (M) Kwlwkv, (N) fMvj, (O)
5. imvqb gbvwevb, (P) cwimsLvb, (Q) cKkj AsKb I IqvKkc cvKwUm
6. Rxewevb A_ev DPZi MwYZ (cyivZb wkvg), (R)*xov (cyivZb wkvg) ay weKGmwci
wkv_x`i Rb
gvbweK hKvbv wZbwU welq : 10. (K) cibxwZ I mykvmb, (L) A_bxwZ, (M) fMvj, (N) hywwe`v, (O)
4. BwZnvm A_ev Bmjvgi BwZnvm I mswZ mgvRwevb, (P) mgvRKg, (Q) BwZnvm, (R) Bmjvgi BwZnvm I mswZ
5. cibxwZ I mykvmb (S) Bmjvg wkv, (T) gbvwevb, (U) cwimsLvb, (V) b-wevb (bZzb
6. A_bxwZ wkvg cYqb mvc) (W) Kwlwkv (X) Mvn A_bxwZ (cyivZb
7. mgvRwevb A_ev mgvRKg wkvg), (Y) Pviy I KviyKjv (cyivZb wkvg), (Z) bvUKjv (cyivZb
8. fMvj wkvg), (_) mgiwe`v (cyivZb wkvg), (`) Aviwe A_ev cvwj A_ev
9. hywwe`v msZ (cyivZb wkvg), (a) jNy msMxZ (cyivZb wkvg), (b) DPZi
MwYZ, (c) *xov (cyivZb wkvg) ay weKGmwci wkv_x`i Rb
eemvq 4. eemvq msMVb I eevcbv 7. (K) wdbv, evswKs I wegv, (L) Drcv`b eevcbv I wecYb, (M),
wkv 5. wnmvewevb cwimsLvb, (N) fMvj, (O) A_bxwZ, (P) Kwlwkv, (Q) MvnA_bxwZ
6. wdbv, evswKs I wegv A_ev (cyivZb wkvg), (R) mvwPweK we`v I Awdm eevcbv (2015-16
Drcv`b eevcbv I wecYb wkvel ch Pje)
Bmjvg 4. Bmjvg wkv 7. (K) mgvRwevb, (L) mgvRKg, (M) Kwlwkv, (N) Mvnwevb
wkv 5. Bmjvgi BwZnvm I mswZ (cyivZb wkvg), (O) gbvwevb, (P) hywwe`v, (Q) fMvj, (R) A_bxwZ
6. Aviwe (cyivZb wkvg)
Mvn 4. mvaviY wevb Ges Lv` I cyw wevb 7. (K) cibxwZ I mykvmb, (L) gbvwevb, (M) A_bxwZ, (N) mgvRKg,
A_bxwZ 5. eenvwiK wkKjv Ges e I cvlvK wk (O) fMvj, (P) mgvRwevb, (Q)msMxZ jNy/DPv(cyivZb wkvg), (R)
6. Mn eevcbv I wkeaY Ges cvwievwiK mK mvwPweKwe`v I Awdm eevcbv Ges (T) Bmjvg wkv
(cyivZb wkvg)
msMxZ 4. jNy msMxZ (cyivZb wkvg) 7. (K) A_bxwZ, (L) cibxwZ I mykvmb, (M) gbvwevb, (N) hywwe`v,
5. DPv msMxZ (cyivZb wkvg) (O) MvnA_bxwZ (cyivZb wkvg), (P) mgvRwevb, (Q) mgvRKg
6. A_bxwZ A_ev cibxwZ I mykvmb A_ev
BwZnvm
* BwZnvm Ges Bmjvgi BwZnvm I mswZ welq `ywUi ga hKvbv GKwU AvewkK A_ev HwQK wnmve bIqv hve| Zgwbfve
mgvRwevb I mgvRKg welq `ywUi hKvbv GKwU AvewkK A_ev HwQK welq wnmve bIqv hve| DjL _vK h, welq `ywU GKB m
AvewkK I HwQK wnmve bIqv hve bv|
* xov welqwU ay evsjv`k xov wkv cwZvbi wevb I gvbweK kvLvi wkv_xiv HwQK welq wnmve wbZ cvie|
wevb 4. c`v_wevb 7. (K) Rxewevb, (L) DPZi MwYZ, (M) Kwlwkv, (N) fMvj, (O)
5. imvqb gbvwevb, (P) cwimsLvb, (Q) gwKvwevb, (R) cKkj AsKb I
6. Rxewevb A_ev DPZi MwYZ IqvKkc cvKwUm (cyivZb wkvKg), (S)*xov (cyivZb wkvg),
gvbweK 4. BwZnvm A_ev Bmjvgi BwZnvm I 7. (K) cibxwZ I mykvmb, (L) A_bxwZ, (M) fMvj, (N) hywwe`v,
mswZ (O) mgvRwevb, (P) mgvRKg, (Q) Bmjvg wkv, (R) gbvwevb,
5. cibxwZ I mykvmb A_ev A_bxwZ A_ev (S) cwimsLvb, (T) b-wevb (bZzb wkvg cYqb mvc) (U)
hywwe`v Kwlwkv (V) Mvnwevb, (W) Pviy I KviyKjv, (X) bvUKjv (cyivZb
6. mgvRwevb A_ev mgvRKg A_ev fMvj wkvg), (Y) mgiwe`v (cyivZb wkvg), (Z) Aviwe A_ev cvwj
A_ev msZ (cyivZb wkvg), (_) *xov (cyivZb wkvg)
eemvq 4. eemvq msMVb I eevcbv 7. (K) wdbv, evswKs I wegv, (L) Drcv`b eevcbv I wecYb, (M)
wkv 5. wnmvewevb UzwiRg G nmwcUvwjwU, (N) gvbe m` Dbqb (bZzb wkvg
6. wdbv, evswKs I wegv, A_ev Drcv`b cYqb mvc), (O) cwimsLvb, (P) fMvj, (Q) A_bxwZ, (R)
eevcbv I wecYb Kwlwkv, (S) Mvnwevb, (T) mvwPweK we`v I Awdm eevcbv
(2015-16 wkvel ch)
Bmjvg 4. Bmjvg wkv 7. (K) mgvRwevb, (L) mgvRKg, (M) Kwlwkv, (N) Mvnwevb,
wkv 5. Bmjvgi BwZnvm I mswZ (O) gbvwevb, (P) hywwe`v, (Q) fMvj, (R) A_bxwZ
6. Aviwe
Mvnwevb 4. wki weKvk 7. (K) wkKjv I e cwiQ`, (L) gbvwevb, (M) A_bxwZ, (N)
5. Lv` I cyw mgvRKg, (O) fMvj, (P) mgvRwevb
6. Mn eevcbv Ges cvwievwiK Rxeb
mxZ 4. jNy mxZ 7. (K) A_bxwZ, (L) cibxwZ I mykvmb, (M) gbvwevb, (N)
5. DPv mxZ hywwe`v, (O) Mvnwevb, (P) mgvRwevb, (Q) mgvRKg
6. A_bxwZ A_ev cibxwZ I mykvmb A_ev
BwZnvm
* xov welqwU ay evsjv`k xov wkv cwZvbi wevb I gvbweK kvLvi wkv_xiv HwQK welq wnmve wbZ cvie|
BwZnvm Ges Bmjvgi BwZnvm I mswZ welq `ywUi ga hKvbv GKwU AvewkK A_ev HwQK wnmve bIqv hve| Zgwbfve
mgvRwevb I mgvRKg welq `ywUi hKvbv GKwU AvewkK A_ev HwQK wnmve bIqv hve| DjL _vK h, welq `ywU GKB m
AvewkK I HwQK wnmve bIqv hve bv|
mKj welq `yB c _vKe Ges c~Y b^i ne 200|
ay Z_ I hvMvhvM chyw welq GKwU c _vKe Ges Gi c~Y b^i ne 100|
mKj welq mvvwnK wcwiqW 5wU|
Z_ I hvMvhvM chyw welqi mvvwnK wcwiqW 3wU|
cwZwU wcwiqWi evw ne 60 wgwbU|
GKB welq kvLvwfwK AvewkK welq Ges HwQK welq wnmve `yevi bIqv hve bv|
h me welq eenvwiK AvQ Hme welq Zxq I eenvwiK mgw^Zfve Pje| A_vr Zxq Ask Ges G mswk eenvwiK Aski wkLb-
kLvbv Kvhg GKB mv_ cwiPvwjZ ne| cvVcyK mfveB cYxZ ne|
RvZxq wkvg I cvVcyK evW KZK cKvwkZ evsjv I BsiwR eB eenvi KiZ ne| Abvb welqi cvVcyK RvZxq wkvg I
cvVcyK evW KZK Abygvw`Z nZ ne| Ze idvi wnmve Abvb eB eenvi Kiv hZ cvi|
2. cdkbvj KwgwU
wgK bvg I c`we KwgwUZ c`we
1. cdmi gvt gvdv KvgvjDwb mfvcwZ
Pqvigvb, RvZxq wkvg I cvVcyK evW, XvKv|
2. gnvcwiPvjK, gvawgK I DP wkv Awa`i, XvKv| m`m
3. gnvcwiPvjK, RvZxq wkv eevcbv GKvWgx, avbgw, XvKv| m`m
4. cwiPvjK, AvBBAvi, XvKv wekwe`vjq,XvKv| m`m
5. gnvcwiPvjK, evsjv GKvWgx, XvKv| m`m
6. gnvcwiPvjK, BmjvwgK dvDkb evsjv`k, XvKv| m`m
7. Rbve gbRyij Avnmvb eyjeyj m`m
cavb mv`K, ekvLx Uwjwfwkb wjwgUW, XvKv|
8. cK cwiPvjK, GmBGmwWwc, gvawgK I DP wkv Awa`i, wkv feb, XvKv| m`m
9. Pqvigvb, gvawgK I DPgvawgK wkvevW, XvKv I mfvcwZ, evsjv`k Avt evW mg^q mve KwgwU| m`m
10. Pqvigvb, evsjv`k gv`&ivmv wkv evW, XvKv| m`m
11. Pqvigvb, evsjv`k KvwiMwi wkv evW, XvKv| m`m
12. AavcK Avyjvn Avey mvqx` m`m
cwiPvjK, wekmvwnZ K`, XvKv|
3. UKwbKvj KwgwU
wgK bvg I c`we KwgwUZ c`we
1. cdmi gvt Ave`yyj Revi AvnevqK
cvb cwiPvjK, bvqg, XvKv|
(evwo bs-7, moK bs-11, mi bs-4, Div gWj UvDb, XvKv-1230)
2. AavcK W. Avey nvwg` jwZd m`m
mycvi wbDgvwi AavcK, AvBBAvi, XvKv wekwe`vjq, XvKv|
3. cdmi Ave`ym myenvb m`m
cvb gnvcwiPvjK, cv_wgK wkv Awa`i
(wm-8, evmv bs-52, ivW bs-6/G, avbgw AvevwmK GjvKv, XvKv|)
4. AavcK W. Mvjvg imyj wgqv m`m
cvb Aa, wUPvm Uwbs KjR, XvKv|
(evmv bs-47, ivW bs-02, mi-09, Div gWj UvDb, XvKv-1230|)
5. W. gvt wQwKzi ingvb m`m
civgkK
GmBGmwWwc, gvawgK I DPwkv Awa`i, wkv feb, XvKv|
6. cdmi W. gvt bvRgyj Kwig Payix m`m
eevcbv wefvM, XvKv wekwe`vjq, XvKv|
7. W. Avyj gvjK m`m
AavcK, AvBBAvi, XvKv wekwe`vjq, XvKv|
8. Rbve gvnv` RvwKi nvmb m`m
wkvg wekl
GmBGmwWwc, GbwmwUwe, XvKv|
9. Rbve kvnxbviv eMg m`m
wekl, GbwmwUwe, XvKv|
10. Rbve gvt gvLjm Di ingvb m`m
wekl, GbwmwUwe, XvKv|
11. Rbve gvt dinv`yj Bmjvg m`m-mwPe
EaZb wekl, GbwmwUwe, XvKv|
GKzk kZKi Avw_K Pvj gvKvejvq wdbv, evswKs I wegv mK wkv jvf AZvekKxq nq DVQ| G Dcjw
_K gvawgK wkv i eemvq wkv kvLvq wdbv I evswKs welqwU ceZb Kiv nqQ| GiB avivevwnKZvq G
welqwUK GKv`k I v`k kwYi eemvq wkv kvLvi wkvg KvVvgvZ Afy Kiv nqQ| G welqi wkvg
eZgvb mgqi Pvwn`v weePbv Ki eemvq evwYR A_vqb, A_vqbi Drm, g~jab LiP, g~jab evRwUs I wewbqvM
wmv, SyuwK I gybvdvi nvi, evsK eev, wewfb cKvi evswKs BbygU, evsK MvnK mK, A_bwZK Dbqb evsK
eevi f~wgKv, wegv mwKZ wewfb aviYv BZvw` welq Af
y Kiv nqQ|
Avkv Kiv hvq h, G welqwU Aaqbi gvag wkv_xiv A_vqb, evswKs I wegv mK my aviYv jvf Kie Ges
ewMZ Rxeb G mswk welq Ae`vb ivLZ cvie| cieZx RxebI wkv_xiv Zv`i G AwRZ vb KvR jvwMq
RvZxq Dbqbi wfw Zwi KiZ cvie|
wZxq c
(evswKs I wegv)
4. Aavq webvm I mgq eb
Aavq Aavqi wkivbvg wcwiqW msLv
c_g evsK eevi cv_wgK aviYv 6
wZxq K`xq evsK 12
ZZxq evwYwRK evsK 12
PZz_ evsK wnmve 10
cg nvihvM FYi `wjj 12
l PK, wej Ae GP I cwgmwi bvU 12
mg evsK Znweji Drm I eenvi 12
Ag e`wkK wewbgq I e`wkK gy`v 12
beg BjwbK I AvaywbK evswKs 10
`kg wegv mK gwjK aviYv 8
GKv`k Rxeb wegv 10
v`k b wegv 8
qv`k AwMwegv 8
PZz`k wewea wegv 8