Work Education (Banking & Insurance) Syllabus
Bifurcation of Syllabus of Class X Work Education (Banking & Insurance) for the session 2026-2027 decided at STS School AMU, Aligarh.
The syllabus for Class X Work Education (Banking & Insurance) for the academic session 2026-2027 was finalized in a meeting held at STS School AMU, Aligarh on 24.03.2026. This is a practical, skill-enhancing subject evaluated out of 50 Marks. The curriculum is uniquely designed to provide students with real-world financial literacy, divided equally into Activities and Assignments.
Activities & Assignments Breakdown
Click a card to jump directly to the relevant evaluation criteria.
Practical Activities
Class X — WE (Banking & Insurance)
| Act. No. | Name of the Chapter / Topic | Marks |
|---|---|---|
| 01 |
Business and E-Commerce
| 10 |
| 02 |
Cheque
| 10 |
| 03 |
Insurance
| 10 |
| Total Activity Marks Available | 30 | |
💻 Real World Application
Activity 01 requires a practical project demonstrating how to pay a utility bill or insurance premium online, reflecting modern digital India initiatives.
🏦 Banking Basics
Understanding the difference between a blank cheque, an account payee crossing, and an endorsement is a fundamental life skill tested in Activity 02.
Banking Assignments
Class X — WE (Banking & Insurance)
| Asg. No. | Name of the Chapter / Topic | Marks |
|---|---|---|
| 04 |
Modern Banking Channels
| 10 |
| 05 |
E-Banking
| 10 |
| 06 |
Life Insurance
| 10 |
| 07 |
Fire & Marine Insurance
| 10 |
| Total Assignment Marks Available | 40 | |
Grading Note:
The syllabus combines these modules to evaluate students out of a total of 50 Marks for the entire academic session. Consult your teacher regarding the exact number of ‘best’ activities/assignments selected for the final tally.
Work Education in Banking and Insurance is arguably the most practical subject in the Class X curriculum. While other subjects focus on academic theory, this syllabus prepares you directly for adulthood and financial independence.
Your evaluation is heavily weighted toward modern digital finance. You must understand the specific differences between NEFT (National Electronic Funds Transfer) and RTGS (Real-Time Gross Settlement). Activity 01 pushes this further by asking you to document the step-by-step process of paying an electricity bill online. Do not copy generic steps; write out the exact process using a UPI or banking portal app you are familiar with.
The second half of the syllabus focuses intensely on Risk Management (Insurance). Be prepared to differentiate between the principles that govern Life Insurance versus those that govern Fire and Marine Insurance. The principle of ‘Indemnity’ (making good a loss), for instance, applies to Marine Insurance but does not apply to human life.
How to Excel in Banking & Insurance
A strategic approach to digital finance and risk management.
Master the Acronyms
Banking is full of abbreviations. Ensure you know the exact full forms of NEFT, RTGS, ATM, and KYC, as these are frequently tested in short assignments.
Understand Cheque Crossings
For Activity 02, physically draw a cheque and demonstrate the difference between a general crossing (two parallel lines) and a restrictive ‘Account Payee Only’ crossing.
Cards: Debit vs. Credit
Be able to clearly articulate the difference between a Debit Card (using your own deposited money) and a Credit Card (borrowing from the bank’s line of credit).
Insurance Principles
For Activity 03, memorize the core principles of insurance: Utmost Good Faith, Insurable Interest, Indemnity, Subrogation, and Contribution.
E-Banking Advantages
When asked about the advantages of E-banking (Assignment 05), structure your answer from two perspectives: advantages to the customer and advantages to the bank.
Marine Insurance Elements
For Assignment 07, understand the specific risks associated with marine transport (perils of the sea) and the types of policies like Voyage, Time, and Mixed policies.
WE (Banking) — Quick View
| Evaluation Type | Chapters & Tasks Included | Marks |
|---|---|---|
| Activities (Total 3) | Business vs. E-Commerce (Bill Pay Project), Cheques, Insurance Principles | 30 Marks Available |
| Assignments (Total 4) | NEFT/RTGS/Cards, E-Banking, Life Insurance, Fire & Marine Insurance | 40 Marks Available |
| Final Graded Total | 50 Marks | |
Check the Original Syllabus
For the complete official syllabus bifurcation decided by STS School AMU, refer to the original document.
📄 View Original PDF
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