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PNB Credit Officer Scale I Recruitment 2024-2025

Published on Wednesday, February 07, 2024
PNB SO Scale-I Credit Officer exam is going to be conducted for the selection of Scale-I Credit Officer in PNB bank. On this page, we will provide Exam Pattern, Exam Syllabus, and Previous papers for PNB SO Scale-I Credit Officer 2024 exam.

Important Dates



Commencement date of on-line application


Last Date of the online application


Date of Online Examination

March/ April 2024

Number of Vacancies

Post / s

Minimum Age

Maximum Age (as on 01.01.2024)

Total Vacancies

Credit Officer Scale I




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

Persons with Benchmark Disability as defined under “The Rights of Persons with Disabilities Act, 2016”

By 10 years

Ex-Servicemen, Commissioned Officers including Emergency Commissioned Officers (ECOs)/ Short Service Commissioned Officers (SSCOs) who have


rendered at least 5 years military service and have been released on completion of assignment

(including those whose assignment is due to be

completed within one year from the last date of receipt 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 guidelines

By 5 years

Persons affected by 1984 riots

By 5 years

Eligibility Criteria

Educational Qualifications



Credit Officer Scale I


Chartered Accountant (CA) from Institute of Chartered Accountants of India


Cost Management Accountant-CMA (ICWA) from Institute of

Cost Accountants of India


Chartered Financial Analyst (CFA) from CFA Institute (USA)


Full time MBA or Post Graduate Diploma in Management or

equivalent with specialization in Finance from any Institute/ College/ University recognized/ approved by Govt. bodies/ AICTE/ UGC with minimum 60% marks or equivalent grade.

Experience & Job Roles (As on 25.02.2024)



Job Roles

Credit Officer Scale I

Mandatory: NIL


Work Experience in Bank(s)/ FI(s)

Credit Verticals, Corporate Branches, Trade Finance Centres, Finance Division, Corporate Credit Division, Other Credit Division

Note: The level of educational qualification prescribed for the posts is minimum. Candidates must possess above qualifications/ certifications/ post educational qualification work experience  As on closing date of registration i.e. 25.02.2024 and must produce Mark Sheets/ Provisional Certificate/ Degree Certificate/ Course Completion Certificate issued from the University/ College/ Institute and work experience certificate in the relevant field.

Selection Process

Selection will be based on Online Written Test followed by Personal Interview or Personal Interview only, depending upon number of applications received against each post, as per discretion of the Bank.

I. Written/ Online Test: 

In case the Bank decides to conduct Online Test, the same will comprise of as under:


Name of Test

No. of Questions

Maximum Marks


Part I




120 Minutes

English Language



Quantitative Aptitude



Part II

Professional Knowledge



Note: For each wrong answer given by the candidate, one fourth of the marks assigned to that question will be deducted as penalty to arrive at corrected score.

Candidates have to qualify all the tests of Part-I and Part-II i.e. Professional Knowledge test will be evaluated only for those candidates who qualify in each paper in Part-I. Minimum qualifying marks in each individual test will be decided by the Bank based on the collective response of the candidates.

II. Personal Interview: 

  • Candidates who obtain minimum qualifying marks as decided by the Bank in Part-I will be considered for shortlisting for Interview on the basis of merit prepared as per marks obtained by them in Part-II i.e. Professional Knowledge, provided they fulfil the other eligibility criteria with regard to educational qualification and post educational qualification work experience for the respective post.
  • Personal Interview will be of 50 marks. Minimum qualifying marks in interview shall be 45% i.e. 22.50 for SC/ST candidates & 50% i.e. 25 for other candidates.

 Bond Period


Bond Amount

Bond Period

Scale I

Rs. 1.00 Lakh

3 years

Note: Candidates are advised to note that if selected, they will be required to execute an Indemnity Bond(before joining the Bank) with surety for serving the Bank for a specified period as mentioned below. In case he/she resigns from or leaves/abandons the service and /or neglects in performance of the duty assigned to him/ her leading to termination of his/her service as per rules/ regulations of the Bank before the specified period, he/she will indemnify the Bank up to the extent of bond amount for all the losses, costs, charges and expenses.

PNB SO Scale-I Credit Officer 2024

JMG Scale I Course by Ramandeep Singh
Join here

Course Features

Team BankExamsToday is offering is a full-fledged, comprehensive and systematic course for the preparation of Punjab National Bank Credit officer Scale 1 exams:

  • Daily video classes
  • Study Material
  • Live sessions
  • Unit tests
  • Special attention to Professional knowledge section from Day 1
  • 5 full-length mock tests 
  • Interview preparation guide
  • Syllabus


    • Machine Input Out
    • Puzzles
    • Seating Arrangement
    • Order and Ranking
    • Inequalities
    • Statement and Assumptions
    • Statement and Conclusion
    • Coding-Decoding
    • Cause and Effect
    • Statement and Argument
    • Venn Diagram/Syllogism
    • Blood Relation
    • Direction and Distance

    English Language

    • Reading Comprehensions
    • Para Jumbles
    • Para Completion
    • Vocabulary
    • Error Spotting
    • Sentence Improvement
    • Cloze test
    • Rearrangement of sentences

    Quantitative Aptitude

    • Data Interpretation
    • Boats and Streams
    • Time and Work
    • Time, Speed, and Distance
    • Partnership
    • Mixtures and Alligation
    • Ages and Average
    • Profit and Loss
    • Percentage and Interest
    • Problems on Trains
    • Pipes and Cisterns
    • Area and Volume
    • Number Series
    • Linear equations
    • Quadratic equations
    • Data sufficiency

    Professional Knowledge

    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

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