How to become a Banker after 12th in India [Step-by-Step Guide]

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Banking jobs are regarded as one of the most promising, with attractive pay and benefits. All Indian parents consider banking to be one of the best jobs and a respectable career with high job security.

Banking has been a dream job for many Indians since our parents’ generation, and the trend continues.
Banking is the most popular job among Indian families.

If you have finished your 12th and want to pursue a career in banking, this blog will answer all of your questions about how to become a banker after 12th, courses, and colleges to become a banker, and banker salaries in different countries.

Who is a Banker?

A Banker is someone who helps in functioning banking activities like accepting deposits, approving loans, and investing money. In simpler words, a person who runs a banking business is called a banker. Bankers’ responsibilities vary due to their various positions in the financial system.


Also read: How to become an Investment Banker

How to become a Banker (4 steps guide)

Step 1: Stream to Select

Complete your 12th from the commerce stream. Though not mandatory, it may help to build a strong foundation if you plan to pursue a career in banking. You can try out JrMBA in Finance which would be a great way to see if you are the best fit for the intriguing finance field.

Step 2: Educational Qualification 

How to become a Banker After 10th 

After completing 10th you can consider the following Diploma for pursuing a career as a Banker.

  • Diploma in Banking and Finance
  • Diploma in Banking Security 
  • Diploma in Banking & Services Management
  • Diploma in Banking and Finance Law
  • Diploma in Banking Management
  • Diploma in Banking and Financial Services
  • Advanced Certificate in Banking laws and Loan management
  • Professional Programm in Commercial Banking (PPCB)

Know more: How to become a CFO

How to become a Banker after 12th

Complete a bachelor’s degree in banking, finance, economics, or any commerce-related course and prepare for various banking entrance exams to get a job in a public sector bank, or pursue an MBA in banking and finance to get a job in a private bank.

  • UG programme to become a Banker In India

All the courses below are 3 years of programs for becoming a Banker after the 12th.

  • Bachelor in Banking and Finance
  • BBA in Banking/Accounting
  • Bachelor in Economics 
  • Bachelor in Finance and Accounting
  • Bachelor in Statistics and Business
  • Bachelor in Banking And Insurance (BBI)
  • B.Com in banking 
  • Bachelor in Commerce 
  • B.A in International Finance and Banking
  • Bachelor in Financial Planning
  • Top 10 Colleges in India to pursue Degree Courses to become a Banker
  1. NMIMS 
  2. Christ University 
  3. Mount Carmel College 
  4. Loyola College 
  5. Symbiosis College of Arts and Commerce 
  6. Women Christain College 
  7. DR DY Patil University 
  8. Amity University 
  9. Lady Shri Ram College 
  10. JD Birla Institute 

To Become a Banker Abroad

You need to appear for exams like SAT, ACT to make your chances better to get a seat in universities abroad.

  • Undergraduate Program for Bankers Abroad 
CourseDuration 
BSc (Hons) in Banking & Finance4 years
BS in Economics4 years
BSc in Finance and Accounting4 years 
Bachelors in Financial Management 4 years
Finance and Investment Banking 3 years
BBA 4 years 
BBA- Banking 4 years 
Business Studies- Banking 18 months 

Learn more: How to become a Stock Trader

  • Top 10 Colleges Abroad to become a Banker
  1. Massachusetts Institute of Technology (MIT)
  2. Harvard University 
  3. Stanford University 
  4. Wharton 
  5. Princeton University 
  6. Cornell University 
  7. Columbia University 
  8. Yale University 
  9. University of Chicago 
  10. University of Pennsylvania

Step 3: Industry Certification

Over the course of your career, it will be advantageous if you have the following certifications.

  • Chartered Financial Analyst (CFA)
  • Certified Public Accountant (CPA) 
  • Certified Financial Planning (CFP)
  • Certified Management Accountant (CMA)
  •  Financial Risk Management (FRM)
  • Business Accounting and Taxation (BAT)
  • Financial Modeling and Valuation Analyst (FMVA)
  • Chartered Alternative Investment Analyst (CAIA)

    Try Clever Harvey’s JuniorMBA Chief Financial Officer program and improve your personality to stand out in the skills you enjoy if you want to develop such extraordinary skills and stand out from the crowd.

Step 4: Job Preparation

  • Internship 

Contact the bank where you want to intern and the professionals will help you through the process. Keep an eye on the job opportunities section of the newspaper or attend a job fair to find internship opportunities. 

  • Portfolio Creation

Acquire industry-specific certifications such as CFA, FRM, and CFP to boost your credibility as a banking professional. Add your internship experience, and take customer service training which will help you emphasize their needs and make your portfolio stronger. 

10 Skills needed to become a Banker

  1. Professionalism 
  2. Communication skills 
  3. Problem-solving and analytical skills 
  4. Customer dealing & Customer satisfaction
  5. Numerical aptitude
  6. Patience & resilience 
  7. Multi-tasking skills 
  8. Team coordination and Leadership skills 
  9. Work Ethics & Integrity
  10. Time management

Salary of a Banker In India

Average salary of a Banker in India is around ₹ 3 lakhs per annum. An IBPS PO’s salary is around ₹52,000- ₹55,000 in hand, which includes all of the perks and benefits that a bank PO receives. The starting salary for a Bank Po is ₹36,000 per year.

Salary of a Banker Abroad 

Countries Average Salary 
US₹61 Lakhs
Canada₹35.8 Lakhs
UK₹47.8 Lakhs
Australia₹71.9 Lakhs
Dubai ₹70.3 Lakhs

Top Recruiters of Bankers in India

Top Indian Recruiters of Bankers
Top recruiters for banker in India
  • Bank of Baroda
  • Bank of India 
  • Bank of Maharashtra
  • Canara Bank 
  • State Bank of India
  • Central Bank of India 
  • Punjab National Bank 
  • Indian Bank 
  • Union Bank of India 
  • UCO bank 
  • Punjab & Sind Bank 
  • Indian Overseas Bank

Top Recruiters Abroad of Bankers

Top Recruiters abroad of Bankers
Top recruiters for bankers abroad
  • Deutsche Bank 
  • J.P Morgan 
  • Goldman Sachs
  • Barclays Capital
  • Morgan Stanley
  • Citibank
  • American Express
  • HSBC
  • Standard Chartered Bank 

A banker ensures that the financial institution runs smoothly. Banking is all about dealing with customers and assisting them with money management. As a banker, you must be extremely professional and trustworthy. You should consider whether you want to work for a public sector bank with high job security and other benefits, or a private sector bank with a higher salary and more exposure. Best wishes on your path to becoming a banker.

Careers after 12th Commerce

FAQs related to become a Banker after 12th

What should I study to become a banker?

To become a banker it is ideal to have a commerce background although you can be from any discipline and give a banking examination to get placed in government banks. But you can consider B.COM, Bachelor’s in Banking and Finance and Economics.

What is a banker’s salary?

The average salary of a banker is around 5 lakhs in India although the salary ranges differ in the public and private sectors wise.

Which degree is best for a banking job?

MBA in Finance, and Economics is one of the best degrees for a career in finance.

Is banking a good career?

Banking is an extremely demanding profession in India. Many people seek banking jobs because of the job security and perks and benefits.

Is the banking exam tough?

The banking Exam is not tough but the number of people seeking banking jobs is high thus making it highly competitive.

What does a Banker Do?

A banker assists a bank in providing services to its customers such as wealth management, financial transactions, insurance, loan facilities, saving, and investment advice, among other things.

Which Banking exam is best?

Some of the top banking exams are RBI Grade B, NABARD Grade B, IBPS PO, and SBI PO.

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