Punjab & Sind Bank has invited applications for - Specialists Officers Scale II Recruitment 2025 for the Post of Manager. Today we are providing a syllabus and exam pattern for the exam.
Important Dates
|
Particulars |
Date |
|---|---|
|
Commencement date of on-line application |
19.09.2025 |
|
Last Date of the online application |
10.10.2025 |
|
Date of Online Examination | Tentative |
Number of Vacancies
|
Post / s |
Minimum Age |
Maximum Age (as on 01.09.2025) |
Total Vacancies |
|---|---|---|---|
|
Credit Manager MMGS II |
23 |
35 |
130 |
|
Agriculture Manager MMGS II | 23 | 35 | 60 |
- A Candidate must have been born not earlier than 02.09.1990 and not later than 01.09.2002 (both dates inclusive).
Relaxation in Age Limit
|
Sr. No. |
Category |
Age Relaxation |
|---|---|---|
|
1. |
Scheduled Caste/ scheduled Tribe Candidates |
5 years |
|
2. |
Other Backward classes (OBC) Candidates (Non-Creamy layer) |
3 years |
|
3. |
Persons with Benchmark Disabilities as defined under “The Rights of Persons with Disabilities Act, 2016” |
10 years |
|
4. |
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 |
5 years |
| 5. | Persons affected by 1984 riots | 5 years |
Note: The maximum age specified is applicable to General Category candidates and Economically Weaker Section (EWS) Category Candidates
Qualification & Experience (As on 10.10.2025)
Posts | Qualifications | Experience |
|---|---|---|
Credit Manager in MMGS II | Graduation in any discipline with minimum 60% marks in aggregate of all semesters / years. (55% for SC/ST/OBC/PwBD). OR Professional qualification like CA/CMA/CFA/MBA(Finance) from a recognized University /Institution/Board recognized by Govt. of India/approved by Govt. Regulatory bodies | Minimum three years of post qualification experience* as Branch manager / credit appraisal or Processing in Scheduled commercial bank |
| Agriculture Manager in MMGS II | A Bachelor’s Degree (Graduation) in Agriculture/ Horticulture/ Dairy/ Animal Husbandry/ Forestry/ Veterinary Science/ Agriculture Engineering/ Pisciculture from a University recognized by the Govt. Of India or (any equivalent qualification recognized as such by the Central Government) with a minimum 60% marks in aggregate of all semesters / years. (55% for SC / ST / OBC / PwBD) . | Minimum three years of postqualification experience* (in the relevant field) as an officer in any Scheduled commercial bank |
- Qualification must be from a University/Institute/Board recognized by Govt. of India/approved regulatory bodies. Proper documents must be produced when required.
- Date of passing = date mentioned on mark sheet/provisional certificate. If result is online, original certificate from University with date of passing is mandatory.
- Candidates must enter percentage (to two decimals) in the application. For CGPA/OGPA, convert to percentage as per University norms and produce conversion certificate at interview.
- Percentage = (Total marks obtained in all subjects ÷ Total maximum marks) × 100, irrespective of honours/optional subjects.
- Fractions are ignored: 59.99% = less than 60%, 54.99% = less than 55%.
Bond & Probation Period
|
Scale |
Bond Amount |
Bond Period |
Probation Period |
|---|---|---|---|
|
MMGS-II |
Bond amount shall be equivalent to 3 months’ gross salary (initial basic+ DA as on date of resignation+ Special allowance+ DA on Special allowance) in respective Officer Scale |
2 years |
1 year |
- Selected candidates must sign an undertaking to serve the Bank for the minimum period specified.
- One surety of equal bond amount, in Bank’s prescribed format, must be furnished before joining.
- If a candidate resigns before completing the bond period, the bond amount will be payable to the Bank.
Credit History
- The candidate applying shall ensure that, they maintain a healthy Credit history and shall have a minimum CIBIL score of 650 or above at the time of joining. Cibil Report drawn from Bank (where candidate is holding their account) to be submitted at time of Document Verification.
Selection Procedure
|
Scale |
Selection Procedure |
|---|---|
|
MMGS -II |
|
Online Examination
|
Sr. No |
Name of section |
No. Of Questions |
Maximum Marks |
Time allotted |
|---|---|---|---|---|
|
1 |
English Language |
20 |
20 |
15 mins |
|
2 |
General Awareness |
20 |
20 |
30 mins |
|
3 |
Professional Knowledge |
60 |
60 |
60 mins |
|
Total |
100 |
100 |
105 Mins |
- Qualifying Marks: 40% (UR/EWS), 35% (Reserved). No rounding off allowed.
- Selection Process: Must qualify each section + overall cut-off in written test; then shortlisted for interview.
- Tie-Breaker: If marks are same at cut-off, older candidate ranked higher.
- Final Merit: Based on combined scores of written test + interview.
- Interview: Only shortlisted candidates called (Bank’s discretion), venue usually New Delhi, call letters via email.
- The candidates have to qualify in both written test and interview separately.
- The combined final scores of candidates shall be arrived at on the basis of scores obtained by the candidates in Online test (70% weightage) and Personal Interview (30% weightage).
- Marks obtained in written test shall be (out of 120) shall be converted to out of 70 marks and interview scores of candidates (out of 50) shall be converted to out of 30 marks.
- Final merit list shall be prepared state- wise after aggregating (out of 100) converted marks of both written test and interview.
Syllabus
English Language
- Reading Comprehensions
- Para Jumbles
- Para Completion
- Vocabulary
- Error Spotting
- Sentence Improvement
- Cloze test
- Rearrangement of sentences
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
- SARFAESI Act
- 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
Professional Knowledge (Credit)
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
- SARFAESI ACT
- Basel Norms
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
Module G: Financial Awareness
- Monetary Policy Updates
- Financial Institution in India
- Mergers & Acquisitions in Banking Sector
- Digital Banking Developments
- Important Banking Terms & Abbreviations
Professional Knowledge (Agriculture)
Module A: Agriculture Awareness
- Agro ecology, Green House Effect and Global Warming
- Pulses, Crop Production and Classification of Crops
- Agronomy
- Types of Farming and Agriculture
- Cropping System: Definition and Types
- Agriculture and its Branches
- Classification of Field Crops
- Factors Affecting Crop Production and Organic Farming
- Agro-Climatic Zone and Dry Land Agriculture
- Agro Meteorology and Precision Farming
- Seed Technology
- Method of Planting and Irrigation
- Forestry
- Indian Forest Act and Policies
- Joint Forest Management
- Agro-Forestry
- Recent Developments Under Ministry of MoEFCC
- Floriculture
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
- SARFAESI ACT
- Basel Norms
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
Module G: Financial Awareness
- Monetary Policy Updates
- Financial Institution in India
- Mergers & Acquisitions in Banking Sector
- Digital Banking Developments
- Important Banking Terms & Abbreviations
Punjab & Sind Bank SO Scale II Course by Team BankExamsToday
Course features
- Team BankExamsToday is offering is a full-fledged, comprehensive and systematic Interview preparation course of Punjab & Sind Bank exams.
- Course features
- Daily video classes
- Study Material
- Live sessions
- Unit tests
- Special attention to Professional knowledge section from Day 1
- One to One Mock Interview Session
- Interview preparation guide
