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Bank of Maharashtra Credit Officer 2023-24 Syllabus

Published on Friday, October 27, 2023

Selection Procedure

The Candidate Shall be required to appear for online examination to be conducted through recruitment agency. The successful candidates shall be called for interviews in the proportion of 1:4 based on their ranking. The allocation of marks for the online examination and Interview is 200 & 100 which will be converted into 75:25 (Online examination: Interview).

Online Examination (Exam pattern)

Name of section

No. of questions

Time allotted 

Professional knowledge


60 minutes

General Banking


60 minutes



120 minutes

Bank of Maharashtra Credit Officer Syllabus

Professional Knowledge syllabus

Module A : Overview of Credit

  •  Principles of lending
  •  Credit policy
  •  Types of borrowers & types of credit facilities
  •  Credit delivery
  •  Credit Appraisal
  •  Credit rating

Module B : Analysis of Financial Statements

  •  Basics of Financial statements
  •  Ratio analysis
  •  Cash flow statement
  •  Fund flow statement
  •  Project appraisal
  •  Working capital management

Module C : Financial management

  •  Indian Financial System
  •  Regulatory bodies in India
  •  Money market and Capital market instruments
  •  Time value of money
  •  Basics of derivatives
  •  Leverages 
  •  Capital budgeting

General Banking 

  • Latest RBI circulars(2 years)
  • Banking news(6 months)
  • Latest government schemes related to banking
  • Banking products
  • Basel norms
  • Priority sector lending
  • Indian financial system
  • Capital and money market
  • Important acts related to banking and finance (eg. Negotiable instruments act)
  • International finance
  • E-banking
  • NBFCs, Small Finance and Payment banks
  • Derivatives
  • Mutual funds
  • Insurance products
  • Financial statement analysis
  • Capital budgeting
  • Cost of capital
  • Leverages
  • Ratio analysis
  • Time value of money
  • Break even analysis
  • Working capital management

Study Material that we follow

  • RBI’s official website
  • SEBI’s official website
  • International organizations websites
  • Economic times
  • Business Standard
  • Bare acts
  • Government websites
  • Financial Management book – Prasanna Chandra or IM Pandey

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