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Kotak Mahindra Bank

Brand Overview

Kotak Mahindra Bank

Founded in 1985, Kotak Mahindra Bank is one of India's leading private-sector banks, providing a diverse range of financial products and services to individuals, businesses, and institutions.

With its innovative approach, Kotak has grown to become a prominent player in the Indian banking sector. Recognized for its customer-centric policies, strong leadership, and innovative products, the bank has expanded its operations globally.

Kotak Mahindra Bank is known for its commitment to quality service, employee development, and a forward-thinking approach to banking.


Program Offered

Kotak NextGen Bankers Programme

The Kotak NextGen Bankers Programme, in partnership with ITM Skills Academy, is a transformative 1-year initiative designed to groom aspiring professionals for a dynamic career in banking.

It combines classroom learning, on-the-job training, and a 6-month internship at Kotak Mahindra Bank, leading to a Post Graduate Diploma in Relationship Banking. This programme offers candidates a pathway to an assured job placement with Kotak Mahindra Bank upon completion.

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Roles & Responsibilities

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  • Develops new and expands existing High Net Worth Customer relationships for liabilities by sourcing customers
  • Sources new bank customers through external individual efforts and acquisition channels
  • Cross-sells bank products to existing set of branch customers which are mapped
  • Informs customers of new products or product enhancements to further expand the banking relationship
  • Plans and conducts special sales initiatives and events for prospective and existing clients
  • Coordinates with other group companies to provide seamless access to other products
  • Maintains complete relationship records for assigned customer accounts
  • Tracks customer complaints/queries and turnaround times for customer satisfaction
ICICI Sales Academy

Brand Overview

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ICICI Bank Ltd. is one of India’s leading private sector banks, offering a diverse range of financial products and services to retail and corporate customers. Established in 1994, ICICI Bank evolved from its parent institution, ICICI (Industrial Credit and Investment Corporation of India), which was founded in 1955 to support India's industrial sector.

With a strong presence across 5,400+ branches and 13,500+ ATMs nationwide, ICICI Bank has expanded globally, providing cutting-edge digital banking solutions, investment services, corporate banking, and wealth management.

Recognized for its technological innovation, financial stability, and customer-centric approach, ICICI Bank is a pioneer in AI-driven banking, digital payments, and financial inclusion initiatives. The bank’s strong focus on professional development has led to strategic partnerships, such as the Post Graduate Program in Relationship Management (PGPRM) with ITM Skills Academy, to nurture future banking professionals.


Program Offered

ICICI Bank, in collaboration with ITM Skills Academy, offers the Post Graduate Program in Relationship Management (PGPRM) to equip aspiring professionals with the skills and knowledge required for a career in banking sales and customer relationship management.

  • 21-Day Online Certification Program (Comprehensive banking & sales training)
  • Guaranteed Placement as a Relationship Manager at ICICI Bank
  • Industry-Focused Curriculum covering banking operations, customer engagement, and financial advisory
  • Expert-Led Training by banking professionals & sales specialists
  • Salary Package ranging from ₹2.19 LPA to ₹2.85 LPA

Upon successful completion, candidates are placed as Relationship Managers in ICICI Bank’s retail banking division, managing customer relationships, financial advisory, and sales.

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Roles & Responsibilities

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As a Relationship Manager (RM) at ICICI Bank, selected candidates will be responsible for:

  • Customer Relationship Management– Building and maintaining relationships with clients, offering tailored banking solutions
  • Financial Product Sales– Promoting ICICI Bank’s loan products, credit cards, investment plans, and insurance services
  • Customer Acquisition & Portfolio Growth– Expanding the customer base through lead conversion, referrals, and upselling opportunities
  • Market Analysis & Product Recommendations– Identifying customer needs and offering customized financial solutions
  • Service Excellence & Compliance– Delivering top-tier banking services while ensuring regulatory compliance and operational efficiency
  • Collaboration with Internal Teams– Coordinating with product specialists, credit teams, and service units for seamless banking experiences
Axis Bank Ltd.

Brand Overview

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Axis Bank Ltd. is one of India’s leading private sector banks, known for its strong presence in retail, corporate, and digital banking. Established in 1993, Axis Bank has grown to become a key player in India's financial sector, offering diverse banking solutions, including savings & current accounts, loans, wealth management, and digital banking services.

With a network of 4,800+ branches and 17,000+ ATMs, Axis Bank continues to expand its reach while leveraging cutting-edge technology to enhance customer experience. The bank has been at the forefront of digital banking transformation, launching innovative services such as Axis Mobile, Axis Pay UPI, and Burgundy Private Banking.

Axis Bank is recognized for its commitment to financial inclusion, professional development, and customer-centric services. Through strategic programs like the Axis Bank Sales Officer Program, the bank aims to nurture young talent and equip them with specialized banking skills for a rewarding career in the financial sector.


Program Offered

Axis Bank, in collaboration with ITM Skills Academy, presents the Axis Bank Sales Officer Program, a Learn-Earn-Grow model that provides structured training and assured career placement in banking sales.

  • 6 Days of Online Banking Training (Sales & Relationship Management Focus)
  • Assured Placement as Sales Officer upon successful completion
  • Industry-Recognized Banking Certification (Fully funded by Axis Bank)
  • Practical Learning Through Role Plays & Case Studies
  • Competitive Salary & Growth Opportunities

Upon successful completion, candidates are placed as Relationship Managers in ICICI Bank’s retail banking division, managing customer relationships, financial advisory, and sales.

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Roles & Responsibilities

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As a Sales Officer at Axis Bank, selected candidates will:

  • Drive Sales & Customer Acquisition– Promote Axis Bank’s banking and financial products to potential customers.
  • Lead Conversion & Relationship Management– Engage with new and existing clients, ensuring personalized banking solutions.
  • Market Outreach & Business Growth– Conduct local marketing activities, field visits, and promotional events.
  • Cross-Sell Financial Products– Enhance customer portfolios by offering investment products, loans, and insurance services.
  • Compliance & Learning– Stay updated with mandatory banking certifications and regulatory guidelines.
  • Data & CRM Management– Maintain accurate customer interaction records in Axis Bank’s CRM system.

This role offers a structured career path with opportunities for professional growth in the BFSI sector.

AU Small Finance Bank

Brand Overview

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AU Small Finance Bank is one of India’s leading small finance banks, established in 1996 as Au Financiers and later transformed into a Scheduled Commercial Bank in 2017. Founded by Mr. Sanjay Agarwal, a merit-holder Chartered Accountant and first-generation entrepreneur, AU Small Finance Bank has grown from a Non-Banking Finance Company (NBFC) into a full-fledged bank with a strong retail focus.

With a vision to provide inclusive financial services, AU Small Finance Bank has pioneered banking solutions tailored for low- and middle-income individuals, ensuring their access to credit and modern banking services. Today, AU Bank is a Fortune India 500 Company, operating with customer-first banking innovations and a digitally driven approach.

The bank’s core principles revolve around:

  • Inclusiveness - Expanding financial accessibility across all segments
  • Simplicity - Offering seamless banking solutions
  • Progress for All - Empowering customers with innovative financial services
  • Action & Urgency - Delivering fast and efficient banking solutions

With a pan-India presence, AU Small Finance Bank continues to drive financial empowerment and economic growth, making it a trusted name in the industry.


Program Offered

AU Small Finance Bank, in collaboration with ITM Skills Academy, presents the Certificate Program in Branch Banking, designed for aspiring banking professionals looking to establish a successful career in retail banking sales.

  • Industry-Centric Training - Designed by AU Small Finance Bank experts
  • Comprehensive Banking Knowledge – Covering retail banking operations, financial services, and sales techniques
  • Hands-on Learning Approach – Practical exposure through case studies and role plays
  • Assured Job Opportunity - Placement as DST - Sr. Executive - Sales upon successful program completion
  • Competitive Compensation & Career Growth – Progressive career path in branch banking

This program provides a structured learning experience, preparing candidates for real-world banking sales roles with AU Small Finance Bank.

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Roles & Responsibilities

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As a DST - Sr. Executive - Sales at AU Small Finance Bank, selected candidates will:

  • Engage in Branch Banking Sales– Promote and sell financial products such as savings accounts, home loans, and insurance.
  • Build & Manage Customer Relationships– Assist customers in choosing the right banking solutions, ensuring a smooth and seamless experience.
  • Drive Business Growth– Identify new business opportunities through builders, brokers, real estate agents, and referrals.
  • Ensure Documentation & Process Compliance– Support customers in home loan processing, documentation, and verification.
  • Participate in Brand Promotion– Conduct local marketing campaigns, fairs, and outreach programs.
  • Assist in Loan Recovery & Collections– Support collection efforts and ensure customer payment discipline.
  • Maintain High-Quality Customer Service– Address customer queries, ensure satisfaction, and provide post-disbursement support.

This role offers an opportunity to build a strong foundation in retail banking and sales, ensuring long-term career growth in the BFSI sector.

Edelweiss

Brand Overview

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Edelweiss is one of India’s leading financial services conglomerates, offering a comprehensive range of financial products and services to clients across domestic and global markets. Since its inception, Edelweiss has remained dedicated to understanding customers’ evolving financial needs and delivering tailored solutions that help them create, grow, and protect their wealth.

The Edelweiss Group operates in multiple financial verticals, including:

  • Wealth Management - Personalized financial planning and advisory services.
  • Life Insurance - Offering comprehensive protection and investment-linked insurance products.
  • Housing Finance - Providing home loans and mortgage solutions.
  • Mutual Funds & Retail Financial Markets - Enabling investment and wealth creation opportunities for individuals and businesses.

With an asset base of Rs. 53,900 Cr, 11,000+ employees, and a presence in 475+ offices across India and abroad, Edelweiss serves 1,200,000+ clients across retail and wholesale segments.

Edelweiss has built a trusted reputation in the financial industry, emphasizing client-centric solutions, innovation, and integrity. Its commitment to excellence and customer satisfaction has made it a preferred financial partner for individuals and businesses alike.


Program Offered

Edelweiss, in collaboration with ITM Skills Academy, presents the Post Graduate Program in Wealth Management, a specialized program designed to develop future leaders in the financial services industry.

  • Industry-Driven Curriculum - Developed by Edelweiss experts, focusing on wealth management and financial advisory.
  • Dual Learning Approach – 6 months of classroom training followed by 6 months of on-the-job training (OJT).
  • Attractive Compensation & Benefits –
    • Stipend: ₹5,000/month (training period) & ₹15,000/month (OJT).
    • CTC post-completion: ₹4.5 LPA + up to 300% performance-based incentives & ₹25,000 assured bonus.✅ Pan-India Placement – Opportunity to work across Edelweiss branches in India.✅ Career Growth & Stability – A structured pathway to excel in wealth management and client advisory roles.

This program is an excellent opportunity for aspiring professionals looking to build expertise in wealth management and financial planning, with hands-on exposure to client portfolio management, investment advisory, and high-net-worth individual (HNI) relationship management.

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Roles & Responsibilities

As a Wealth Management Professional at Edelweiss, selected candidates will be responsible for:

1. Client Relationship Management
  • Develop and maintain strong, long-term relationships with High-Net-Worth Individuals (HNI) and affluent clients.
  • Provide personalized financial advice tailored to clients’ financial goals and risk appetite.
  • Assist clients in creating and optimizing their investment portfolios across multiple asset classes.
2. Portfolio Analysis & Asset Growth
  • Regularly review client portfolios, monitor market trends, and recommend adjustments to maximize returns.
  • Work closely with Edelweiss’s financial research teams to offer timely and strategic investment advice.
  • Help clients build and manage their Assets Under Management (AUM) effectively.
3. Client Acquisition & Business Development
  • Identify potential clients through networking, referrals, and market research.
  • Conduct financial planning sessions and presentations to attract new clients.
  • Contribute to the expansion of Edelweiss’s wealth management services while ensuring excellent customer service.

This role provides a dynamic and rewarding career path in financial advisory, wealth management, and relationship management, positioning candidates for long-term success in the BFSI industry.

DHFL

Brand Overview

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Founded in 1984, Dewan Housing Finance Corporation Ltd. (DHFL) has been a pioneer in making affordable housing finance accessible to India's lower and middle-income groups. With a legacy spanning over three decades, DHFL has grown into one of India's largest housing finance companies, supporting homeownership dreams across semi-urban and rural areas.

Headquartered in Mumbai, DHFL has an extensive network of 349 offices across India, along with international representative offices in Dubai (UAE) and London (UK). Committed to financial inclusion, DHFL offers a wide range of products, including home loans, mortgage loans, SME loans, and fixed deposits.

By collaborating with ITM Skills Academy, DHFL aims to bridge the skill gap in the BFSI sector, equipping young professionals with industry-relevant expertise and career-ready skills.


Program Offered

DHFL, in partnership with ITM Skills Academy, offers the Certification Program in Sales Management (CPSM) to train aspiring professionals for the housing finance industry.

Key Features of the Program:

  • 1-Month Certification Program - (15 Days Classroom + 15 Days On-the-Job Training)
  • Guaranteed Placement - as a Business Development Executive (BDE)
  • Industry-Relevant Curriculum - aligned with the housing finance sector
  • Practical Exposure - through real-world sales training at DHFL branches
  • Attractive Salary Package - of ₹1.8 LPA CTC + Performance-Based Incentives

Upon completion, candidates will be deployed in frontline sales roles within DHFL Sales & Services Ltd., ensuring stable career growth in the BFSI sector.

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Roles & Responsibilities

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As a Business Development Executive (BDE) at DHFL Sales & Services Ltd., candidates will be responsible for:

  • Lead Generation– Identifying potential customers for home loans & financial products
  • Customer Interaction– Understanding client needs & suggesting suitable loan options
  • Builder Tie-Ups– Collaborating with real estate developers for business growth
  • Promotional Activities– Conducting branch-level marketing campaigns
  • Loan Documentation– Assisting customers in the loan application & verification process
  • Credit Assessment– Evaluating loan eligibility based on SOP guidelines
  • Post-Sanction Support– Ensuring smooth execution of loan formalities & compliance

This role offers hands-on experience in financial sales, customer engagement, and business development, setting the foundation for a successful career in BFSI.

AHFL

Brand Overview

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Aadhar Housing Finance Ltd. (AHFL), promoted by the Dewan Housing Finance Ltd. (DHFL) group, is one of India’s leading housing finance companies. With equity participation from the International Finance Corporation (IFC), a member of the World Bank Group, AHFL operates under a Housing Finance license regulated by the National Housing Bank (NHB).

The company follows an independent management structure, adhering to the highest standards of corporate governance. Backed by the experience and guidance of DHFL and IFC, AHFL has rapidly established itself as a key player in the housing finance sector.


Program Offered

1. Post Graduate Program in Housing Finance – Sales

This one-year program is designed for young graduates who aspire to build a career in housing finance sales. The curriculum covers business development, customer relationship management, and sales strategies, equipping candidates with the necessary skills to drive housing loan sales effectively.

Program Details:

  • Duration - 1 year (6 months classroom training + 6 months internship)
  • Internship Stipend - ₹15,000 per month
  • Placement - Guaranteed employment as a Branch Sales Manager upon successful completion
  • CTC Post-Completion - ₹3,50,000 per annum + incentives
  • Loan Assistance - Available for eligible candidates
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2. Post Graduate Program in Housing Finance – Credit

This program is designed for graduates looking to enter the credit management and loan underwriting sector. Candidates will be trained in areas such as credit analysis, risk assessment, and regulatory compliance to ensure effective loan approvals and risk mitigation in housing finance.

Program Details:

  • Duration - 1 year (6 months classroom training + 6 months internship)
  • Internship Stipend - ₹15,000 per month
  • Placement - Guaranteed employment as a Branch Credit Manager upon successful completion
  • CTC Post-Completion - ₹3,50,000 per annum + incentives
  • Loan Assistance - Available for eligible candidates

Roles & Responsibilities

1. Branch Sales Manager
  • Develop business strategies to achieve housing loan sales targets
  • Identify and onboard potential customers through marketing and relationship-building
  • Maintain strong relationships with channel partners and developers
  • Ensure high-quality customer service and resolution of queries
  • Lead a team of sales executives to drive business growth
2. Branch Credit Manager
  • Assess the creditworthiness of potential borrowers
  • Analyze financial documents and loan applications
  • Ensure compliance with regulatory and internal credit policies
  • Manage risk assessment and loan underwriting processes
  • Collaborate with sales teams to facilitate smooth loan approvals and disbursements
Indiabulls

Brand Overview

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Indiabulls Group is one of India’s leading business conglomerates, with operations spanning real estate, housing finance, wealth management, and securities. Established in 1999 by Mr. Sameer Gehlaut, the group has built a strong reputation for its innovation and customer-centric approach.

The group’s key companies include:

  • Indiabulls Housing Finance Limited (IBHFL) - A major player in the housing finance sector.
  • Indiabulls Real Estate Limited (IBREL) - Focuses on high-end and mid-segment real estate projects.
  • Indiabulls Ventures Limited (IBVL) - Specializes in wealth management and financial services.

Indiabulls Distribution Services Ltd. (IDSL), a subsidiary of Indiabulls Ventures Limited, is a market leader in real estate distribution and investment solutions. With a nationwide presence, IDSL caters to a broad customer base, from affordable housing buyers to high-net-worth individuals.

Indiabulls, in collaboration with ITM - Edutech Training Pvt. Ltd., has launched a Certificate Program in Relationship Management (CPRM) to equip young professionals with the skills needed for a successful career in real estate sales and financial services.


Program Offered

Indiabulls, in partnership with ITM - Edutech Training Pvt. Ltd., offers Certificate Program in Relationship Management (CPRM) to groom graduates for frontline sales and relationship management roles in the real estate and financial services industry.

Program Details:
  • Duration: 2 months
    • 1 month classroom training (industry-focused learning)
    • 1 month paid internship (hands-on experience at Indiabulls)
  • Job Placement: Assured placement as a Relationship Manager at Indiabulls upon successful completion.
  • CTC: ₹4.2 LPA + incentives
  • Internship Stipend: ₹15,000/-
  • Financial Assistance: Training fee largely funded, with a structured recovery mechanism.
  • Certification: "Certification in Relationship Management" awarded by ITM Skills Academy.
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Shriram Housing Finance

Brand Overview

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Shriram Housing Finance Ltd. (SHFL) is a leading Housing Finance Company registered with the National Housing Bank (NHB) and promoted by Shriram City Union Finance Ltd., a flagship company of the Chennai-headquartered Shriram Group. With over three decades of financial expertise, the Shriram Group has built a strong reputation in India's financial services sector.

SHFL is committed to "Finding Ways to Funding Homes," focusing on providing home financing solutions to underserved segments of society. The company offers a range of innovative mortgage products designed to make homeownership accessible for aspiring buyers. With a customer-centric approach and a strong presence across India, SHFL continues to be a trusted name in the housing finance industry.


Program Offered

The Certification in Housing Finance is a specialized training program launched by Shriram Housing Finance Ltd. (SHFL) in collaboration with ITM - Edutech Training Pvt. Ltd. This program aims to equip fresh graduates with the essential knowledge and skills required to excel in frontline sales roles in the housing finance sector.

Program Structure:
  • 1-Month Residential Classroom Training at ITM training centers
  • 1-Month Internship at SHFL branches for practical learning
  • Industry Certification in Housing Finance upon successful completion
  • Stipend of ₹10,000/- during the internship period
  • Guaranteed Job Placement with an annual CTC of ₹2,40,000/- + Incentives
  • Training Locations: Mumbai, Vadodara, Bangalore, Noida

This program is ideal for young professionals looking to build a career in Home Loans and Loan Against Property (LAP) sales, with a structured curriculum covering financial services, sales techniques, compliance regulations, and customer relationship management.

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Roles & Responsibilities

Role:
  • Designation: Relationship Officer
  • Business Function: Sales
  • Industry: Housing Finance
Key Responsibilities:
  • Acquire customers for Home Loan / Loan Against Property products
  • Ensure adherence to KYC documentation and AML guidelines
  • Properly fill and verify loan application forms
  • Generate new business leads through marketing and outreach activities
  • Build relationships with developers to drive loan sales
  • Guide clients in obtaining loans and introduce them to new products
  • Collect documents and follow up with customers regarding loan queries
  • Maintain good relationships with the Home Finance team and ensure customer satisfaction
  • Conduct market surveys and promote SHFL loan products through pamphlets and campaigns
  • Develop sales plans using direct sales techniques, cold calling, and business visits

This role offers a strong career path in Housing Finance, allowing candidates to develop expertise in mortgage lending, financial sales, and client advisory services within an established financial institution.

Hinduja Housing Finance

Brand Overview

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Hinduja Housing Finance (HHF) is a subsidiary of the prestigious Hinduja Group, a global conglomerate with a legacy spanning over a century. HHF is a trusted name in the housing finance sector, registered and certified by the National Housing Bank (NHB). The company is committed to providing affordable and accessible home financing solutions to individuals across various income segments.

With a strong pan-India presence, HHF specializes in offering housing loans that cater to the needs of first-time homeowners, builders, and developers. By maintaining a customer-centric approach, the company ensures hassle-free loan processing, competitive interest rates, and flexible repayment options. HHF upholds the highest standards of professionalism, ethics, and service quality, making it a preferred choice in the housing finance industry.


Program Offered

The Certificate Program in Branch Banking is a structured training initiative developed by Hinduja Housing Finance (HHF) in collaboration with ITM Skills Academy. This specialized program is designed to prepare young graduates for frontline sales roles in the housing finance sector by equipping them with essential industry knowledge, sales techniques, and customer relationship management skills.

Program Structure:
  • 3 Weeks of Classroom Training covering financial services, sales strategies, and housing finance regulations.
  • 1-Week Internship: at a Hinduja Housing Finance branch for hands-on experience.
  • Certification in Housing Finance upon successful completion of the program.
  • Job Assurance Candidates who complete the program successfully will be placed as Business Development Executives.
  • Annual CTC: ₹1,80,000/- to ₹2,20,000/-.
  • Training Locations: Mumbai, Vadodara, Bangalore, Noida, Raipur.
  • Job Locations: Available across India.

This program is ideal for young professionals looking to start a rewarding career in housing finance, with a strong foundation in sales, loan processing, and customer engagement.

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Roles & Responsibilities

Role:
  • Designation: Business Development Executive
  • Business Function: Sales & Customer Acquisition
  • Industry: Housing Finance
Key Responsibilities:
  • Specific Skills:
    • Strong presentation and communication skills.
    • Self-motivated and goal-driven with a passion for sales.
  • Principal Accountabilities:
    • Generate housing loan leads through networking, referrals, and market activities.
    • Promote brand awareness and available schemes in commercial, industrial, educational, and service sectors.
    • Identify and pursue under-construction projects for loan opportunities.
    • Ensure consistent follow-up on collections and lead generation.
Tata Mutual Fund

Brand Overview

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Tata Asset Management Ltd, a part of the prestigious Tata Group, has been a trusted name in the Indian asset management industry for over 23 years. As the Investment Manager to Tata Mutual Fund, the company provides a wide range of investment management, risk management, and advisory services to institutional, intermediary, and individual investors.

With a strong pan-India presence across more than 70 locations, Tata Asset Management Ltd is committed to maintaining the highest standards of ethics, transparency, and customer trust. The company is known for its prudent investment strategies, robust risk management framework, and customer-centric approach. Its goal is to provide sustainable and profitable mutual fund solutions that help investors achieve long-term financial growth and stability.


Program Offered

The Certification in Mutual Fund Advisory program is a specialized training initiative by Tata Asset Management Ltd in collaboration with ITM Skills Academy. This program is designed for young graduates looking to establish a career in the banking and financial services industry, with a specific focus on mutual fund sales and advisory.

Program Structure:
  • 1 Month Classroom Training : Covers mutual fund fundamentals, sales techniques, and market analysis.
  • 2 Months Blended Learning : Includes 3 days of classroom training and 3 days of on-the-job training per week.
  • Stipend : ₹8,000 per month during training.
  • Post-Certification Job Role : Candidates transition into a Trainee position with an annual CTC of ₹2,40,000.
  • Training Locations : Mumbai, Vadodara, Bangalore, Noida.
  • Job Locations : Available PAN India.

This program is designed to equip candidates with practical industry knowledge, sales expertise, and advisory skills, ensuring a strong foundation for a successful career in mutual fund sales.

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Roles & Responsibilities

Role:
  • Designation: Trainee – Mutual Fund Sales & Advisory
  • Industry: Asset Management & Financial Services
Key Responsibilities:
  • Retail Sales:
    • Build and nurture relationships with distributors and investors.
    • Provide market and product updates to distributors/investors.
    • Achieve sales targets through continuous engagement with channel partners.
    • Empanel new distributors and manage relationships with existing ones.
    • Conduct distributor engagement activities and sales training.
  • Institutional Sales:
    • Focus on acquiring new institutional clients and expanding relationships with high net worth individuals and trusts.
    • Promote mutual fund products to institutional investors.
    • Maintain a comprehensive relationship management system.
    • Adhere to compliance and internal policies, including Tata Code of Conduct (TCoC).