CBSE Class 10 Banking and Insurance (411)

1. Part A: Employability Skills – II

Communication Skills-II · Self-Management Skills-II · ICT Skills-II · Entrepreneurial Skills-II · Green Skills-II

• Communication Skills: How to Share Meaning Clearly and Kindly – Communication is sharing meaning between people. A sender encodes an idea into a message, sends it through a channel, and a receiver decodes it and gives feedback. Barriers such as noise, hard words, strong emotions and cultural differences can block or bend the message. We send meaning with words (verbal), with face, eyes, gestures, posture and tone (non-verbal), and with pictures (visual). Active listening — attention, patience, questions and paraphrasing — proves the message arrived. Good communicators adapt to context: formal or informal, spoken or written, and use polite requests, kind refusals, sincere apologies and assertive (not aggressive or passive) language.
• Self-Management: Taking Charge of Your Feelings, Goals and Time – Self-management is the skill of guiding your own feelings, thoughts and actions so you can reach your goals. It starts with self-awareness: noticing what you feel and how strong it is. Then you pause before reacting (Stop, Think, Act) and use calming tools such as slow breathing. Your beliefs and thoughts shape your feelings and actions, so changing an unhelpful thought ('I'm useless') into a helpful one ('I can't do it yet') changes what you do. Good self-managers set SMART goals, plan their time by importance, build healthy habits and bounce back from setbacks (resilience). These skills help in school, friendships and future careers.
• ICT Basics: Using Computers, the Cloud and Learning Platforms Safely – ICT means information and communication technology: the devices, software and networks we use to create, store and share information. Every computer takes input, processes it, gives output and stores data. Storage is measured in bytes, and each bigger unit (KB, MB, GB, TB) is about 1000 times the one before. Good digital learners keep files in clearly named folders, use learning platforms to get and submit work, store files in the cloud and on devices, back up with the 3-2-1 rule and protect accounts with long passphrases and two-step login. ICT also lets you make creative projects such as videos, websites and podcasts.

2. Part B: Laws Relating to Negotiable Instruments

Laws Relating to Negotiable Instruments

• Money and Credit – Money is a medium of exchange that removes the need for a double coincidence of wants. Banks take deposits and give loans. Credit can help people grow, or trap them in debt, depending on its terms. Formal loans from banks and cooperatives are cheaper and regulated; informal loans from moneylenders are costly. Self-Help Groups bring cheap credit to poor women.

3. Part B: Lending Functions of a Bank

Lending Functions of a Bank

• Money and Credit – Money is a medium of exchange that removes the need for a double coincidence of wants. Banks take deposits and give loans. Credit can help people grow, or trap them in debt, depending on its terms. Formal loans from banks and cooperatives are cheaper and regulated; informal loans from moneylenders are costly. Self-Help Groups bring cheap credit to poor women.

4. Part B: Utility Services of a Bank

Utility Services of a Bank

• Money and Credit – Money is a medium of exchange that removes the need for a double coincidence of wants. Banks take deposits and give loans. Credit can help people grow, or trap them in debt, depending on its terms. Formal loans from banks and cooperatives are cheaper and regulated; informal loans from moneylenders are costly. Self-Help Groups bring cheap credit to poor women.

5. Part B: Life Insurance Products

Life Insurance Products

Coming soon

6. Part B: General Insurance

General Insurance

Coming soon