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Central Bank of India Credit Officer Scale II: 2023-2024

Published on Tuesday, January 16, 2024
Central Bank of India has invites application from experienced professionals for the post of Credit Officer Scale II . Today we are providing a syllabus and exam pattern for the exam.

Important Dates



Commencement date of on-line application

11th January 2024 

Last Date of the online application

25th January 2024

Date of Online Examination

February/March 2024

Number of Vacancies

Post / s

Maximum Age as on 30.09.2023 


Credit Officer Scale II

33 years 


Relaxation in Age Limit


Age Relaxation

Scheduled Caste/ scheduled Tribe Candidates

By 5 years

Other Backward classes (OBC) Candidates (Non-Creamy layer)

By 3 years

Children/Family member of those who died in the 1984 riots

By 5 years


By 10 years

Ex-servicemen/Commissioned officers including ECOs/ SSCOs who have rendered at last 5 years military service and have been released on completion of assignment (including those whose assignment is due to be completed within 12 months from the date of application) otherwise than by way of dismissal or discharge on account of misconduct or inefficiency or physical disability attributable to military service or invalidment, subject to ceiling as per government guildlines.


 By 5 years

Note: The Maximum age limit of other Backward classes candidates is applicable to General Category.

Qualification (As on 30.09.2023)



Credit Officer Scale II

Graduation with full time MBA/MMS(Finance)/ Full time PGDBM (Banking & Finance) With aggregate Of 60% Marks From AICTE / UGC approved University/college. (55% for SC/ST/OBC/PWBD)


A pass in final examination of the Institute of Chartered Accountants of India (ICAI).

Experience (As on 30.09.2023)

Credit Officer Scale II

For CA Candidates – Nil

For MBA/MMS (Finance)/ PGDBM (Banking & Finance) candidates – Minimum 3 years’ post qualification experience as an officer in a PSB/Private Bank/ PSU.

(Candidates from NBFCs/RRBs/ Cooperative Banks/ Insurance sector either regular or part time shall not be eligible)

Probation Period 


Probation Period

Scale II

2 years

Selection Procedure

Selection will be through on-line written test and personal interview. Merely satisfying the eligibility norms does not entitled a candidate to be called for Test or Interview. Online Examination (Exam pattern)

Name of section

No. of questions

Time allotted 

Stream / category Specific Questions


Composite time of 60 minutes

Computer Knowledge


Banking, Present Economic Scenario & General Awareness





The test will be available bilingually, i.e. English and Hindi. All questions will be objective type with Five options. There will be penalty for wrong answers marked in Online Test. For each question for which a wrong answers has been given by the candidate one fourth Or 0.25 of the marks assigned to that question will be deducted as penalty to arrive at corrected score.


Stream/Category Specific Questions

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

Module D

Other credits
  •  Export finance
  •  Priority sector lending
  •  Non-fund based Credit Facilities
  •  Government sponsored schemes
  •  Retail loans

Module E

Management of Impaired assets
  •  Documentation
  •  IRAC norms
  •  Types of charges
  •  Management of impaired assets
  •  IBC 2016

Module F

RBI circulars and related laws
  •  RBI circulars (1 year)
  •  Companies act
  •  Contract act 1872
  •  Banking regulation 1949
  •  RBI act 1934
  •  Negotiable instruments act 1881
  •  Payment and settlement act 2007

Computer Knowledge

  • Hardware and Software
  • Operating System Basics
  • Internet Terms and Services
  • MS-Office (MS-Word, MS-Excel, MS-PowerPoint)
  • History of Computers
  • Networking and Communication
  • Database
  • Security Tools and Viruses

Banking Present Economic Scenario General Awareness

  • Banking Reforms
  • Regulatory Bodies in India- NABARD, SEBI etc.
  • International Banking
  • Latest circulars of RBI and SEBI
  • Latest Updates in Financial & Capital Markets
  • Financial Terms
  • Banking Terms
  • Latest Acts related to Banking
  • Priority Sector Lending
  • NPA - latest news
  • RBI Monetary Policy
  • Capital & Money Market Instrument
  • Commercial Banks, NBFCs, HFC - Latest news
  • Mergers and Acquisitions in Banking Companies
  • Credit Rating and Agencies
  • Payment Options- NEFT, RTGS, Bharat Bill payment etc.
  • Complete List of Obituaries
  • Recently Appointed Brand Ambassadors List
  • Monthly GK Digests
  • Ministry of Cabinet Ministers
  • Renamed Govt. Schemes, Cities, Airports & Railway Stations
  • Indian Financial System
  • Financial market instruments
  • International reports and indices
  • Important committees
  • Foreign investment and trade
  • Growth numbers by various organization
  • Union budget
  • Latest mergers and MOUs of banks and financial institutions
  • Heads of various financial organizations
  • Mutual Funds
  • Basel Norms
  • Regulatory organizations: SEBI/NABARD/RBI
  • Joint Military Exercises of India
  • List of Summits and Conferences
  • India's Rankings in Different Indices
  • List of Appointments
  • List of Important Days With Themes
  • List of MoUs signed by India
  • Upcoming Sports Event From
  • List of Sports Events & Winners
  • Awards and Honours
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ramandeep singh

Ramandeep Singh, your guide to banking and insurance exams. With 14 years of experience and 5000+ selections, Ramandeep understands the path to success, having transitioned himself from Dena Bank and SBI. He's passionate about helping you achieve your banking and insurance dreams.

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