Manipal Academy of BFSI Tie-Ups

Official Bank-Sponsored
Hire-and-Train Programs

Tailored specifically for fresh graduates. Secure a provisional job offer letter prior to training commencement, earn monthly stipends while studying, and step directly into banking officer roles.

View Comparison Matrix Register with A T Services

100%

Job Assurance Pre-Hire

₹6.0 LPA

Top Entry Starting CTC

Operations & Lending

Specialized Tracks Added

Earn & Learn

Monthly Stipend Support

Featured Manipal BFSI Flagship Programs

Select the bank program that aligns with your preferred role, stipend structure, and career pathway.

IDFC FIRST Bank 100% Fee Refund

Emerging Bankers Program

12 Months (4 mo Classroom + 1 mo Internship + 7 mo OJT)

Starting CTC ₹6.0 LPA + Inc.

Total Stipend ~₹2,99,000

Role: Emerging Banker (Grade D1)

Qualification: Graduate in any discipline (min. 50% in 10th, 12th & Graduation).

Age Limit: 21 to 28 years at registration.

Fee Refund: 100% tuition refund in 2 tranches (50% Yr 1, 50% Yr 2).

Apply for IDFC FIRST Track

Kotak Mahindra Bank ₹1.5 Lakh Bonus

NextGen Bankers Program

12 Months (4 mo Classroom + 2 mo Internship + 6 mo OJT)

Starting CTC ₹5.0 LPA + Perf.

Bonus Structure ₹1.5 Lakh Assured

Role: Deputy Manager (Elite Relationship Manager)

Qualification: Any Bachelor's Degree (min. 50%; min. 60% B.Tech/B.Sc).

Age Limit: Below 27 years at registration.

Bonus: ₹1.5 Lakh assured bonus milestone structure.

Apply for Kotak Track

Kotak Mahindra Bank Pure Operations

Accelerate Operations Programme

Fast-Track: 45 Days Campus + OJT

Starting CTC ₹3.50 LPA Fixed

Assured Bonus ₹75,000

Role: Assistant Manager (L2) - Core Operations

Qualification: Full-time Graduate in any stream (min. 50%–60%).

Eligibility: 21 to 26 years; Non-sales branch banking.

Campus: 45-day residential training at Manipal Academy, Bengaluru.

Apply for Kotak Operations

Axis Bank General Banking

Young Bankers Program (ABYB)

12 Months (4 mo Classroom + 3 mo Internship + 5 mo OJT)

Starting CTC ₹4.42 – 5.0 LPA

Certification PGDB (MAHE)

Role: Assistant Manager / Relationship Manager

Qualification: Graduate / Post Graduate in any stream (min. 50%).

Age Limit: 21 to 30 years at registration.

Award: Post Graduate Diploma in Banking Services (MAHE).

Apply for Axis ABYB Track

Axis Bank Lending Track

Retail Lending Program

12 Months (4 mo Campus + 3 mo Intern + 5 mo OJT)

Starting CTC ₹4.42 LPA + Inc.

OJT Stipend ₹24,490/mo

Role: Assistant Manager (L2) - Retail Lending

Qualification: Full-time Graduate in any stream (min. 50%).

Age Limit: 21 to 30 years at registration.

Diploma: PG Diploma in Retail Lending & Management (MAHE).

Apply for Retail Lending Track

HDFC Bank MAHE Accredited

Future Bankers 2.0

12 Months (4 mo Classroom + 2 mo Internship + 6 mo OJT)

Starting CTC ~₹5.59 LPA

OJT Pay 100% CTC Paid

Role: Personal Banker / Relationship Manager

Qualification: Full-time Graduate in any stream (min. 50%).

Age Limit: 21 to 27 years at registration.

Full Pay Phase: 100% CTC paid directly during the 6-month OJT phase.

Apply for HDFC Track

Side-by-Side Comparison Matrix

Official eligibility, qualifications, age limits, durations, and CTCs per Manipal BFSI standards.

Bank & Program	Eligibility (Edu & Age)	Duration & Structure	Role & Starting CTC	Key Differentiator
IDFC FIRST Bank Emerging Bankers Program	Graduation: Min. 50% Any stream (10th/12th/UG min. 50%) Age: 21 to 28 years	12 Months • 4 mo Classroom • 1 mo Internship • 7 mo On-the-Job (OJT)	Emerging Banker (D1) Fixed: ₹6.0 LPA + Incentives	100% Fee Refund in 2 tranches (50% Yr 1, 50% Yr 2). Total stipend during program ~₹2,99,000.
Kotak Mahindra Bank NextGen Bankers Program	Grad: 50% (60% B.Tech/B.Sc) Full-time degree holder Age: Below 27 years	12 Months • 4 mo Classroom • 2 mo Internship • 6 mo OJT	Deputy Manager (Elite RM) Fixed: ₹5.0 LPA + Performance Pay	Includes a ₹1.5 Lakh assured bonus structure. Stipend provided across classroom and internship stages.
Kotak Mahindra Bank Accelerate Operations Programme	Graduation: Min. 50%–60% Full-time graduate in any stream Age: 21 to 24–26 years	Fast-Track Model • 45 Days Campus Training • Structured OJT Phase	Assistant Manager (L2 - Ops) ₹3.50 LPA + ₹75,000 Bonus	Pure Operations Track: Ideal for non-sales branch and back-office banking careers with rapid 45-day residential onboarding.
Axis Bank Young Bankers Program (ABYB)	Grad / Post Grad: Min. 50% Any stream / degree Age: 21 to 30 years	12 Months • 4 mo Classroom • 3 mo Internship • 5 mo OJT	Assistant Manager / RM ~₹4.42 LPA to ₹5.0 LPA	One of the longest-running programs. Comprehensive general banking career path with PGDB from MAHE.
Axis Bank Retail Lending Program	Graduation: Min. 50% Full-time graduate in any discipline Age: 21 to 30 years	12 Months • 4 mo Campus (₹5,000/mo) • 3 mo Intern (₹24,490/mo) • 5 mo OJT (₹24,490/mo)	Assistant Manager (L2 - Lending) ₹4.42 LPA + Incentives	Specialized asset vertical program awarded with a PGD in Retail Lending & Management from MAHE.
HDFC Bank Future Bankers 2.0	Full-time Grad: Min. 50% Any recognized university Age: 21 to 27 years	12 Months • 4 mo Classroom • 2 mo Internship • 6 mo OJT	Personal Banker / RM ~₹5.59 LPA	Awarded a Post Graduate Diploma from MAHE. 100% CTC paid during the on-the-job (OJT) phase.

Key Program Dynamics for Freshers

Why these sponsored programs provide unmatched security and acceleration compared to typical open-market applications.

1. Earn While You Learn

Classroom Phase (Bengaluru): Residential food and lodging are fully covered. Candidates receive an out-of-pocket stipend (₹5,000 – ₹6,000/mo).
Internship & OJT: Payouts scale up substantially (typically ₹10,000 to ₹35,000/month or full CTC).

2. Loan & Retention Benefits

Pre-Approved Loans: Sponsoring banks provide low-interest educational loans without collateral requirements.
Tuition Reimbursements: Banks like IDFC FIRST reimburse the full program cost upon completing active service tenures.

3. Transparent Selection

Stage 1: Online registration followed by an aptitude test (Numerical, Logical, & Verbal reasoning).
Stage 2: Video/Panel personal interview assessing communication and banking aptitude.
Stage 3: Immediate issuance of a Provisional Job Offer Letter prior to enrollment.

Direct Regional Support

Need Guidance with Registrations & Test Prep?

A T SERVICES assists freshers across Sadak Arjuni and Nagpur with profile screening, test formats, and mock interview preparations for all Manipal BFSI cohorts.

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Official Bank-Sponsored Hire-and-Train Programs