Nainital Bank has invited applications for - Specialists Officers Recruitment 2025. Today we are providing a syllabus and exam pattern for the exam.
Important Dates
Particulars | Date |
|---|---|
Online Registration commences from | 12.12.2025 |
Last Date for Online Registration | 1.1.2026 |
Tentative date Of Examination | 18.1.2026 |
Number of Vacancies
Post / s | Minimum Age | Maximum Age (as on 30.11.2025) | Total Vacancies |
|---|---|---|---|
Credit Officer in Grade/Scale-I | 21 | 32 | 10 |
Qualification & Experience (As on 30.11.2025)
Posts | Qualifications | Experience |
|---|---|---|
Credit Officer In Grade/Scale-I | Graduate in any discipline from a University/Institution recognized by Govt. of India/approved by Govt. Regulatory bodies and Full time regular MBA/MMS/PGDM/PGDBM with specialization in Finance with minimum of 60% marks in aggregate from a University /Institution/ recognized by Govt. of India/approved by Govt. Regulatory bodies. The above-mentioned course/s i.e. MBA/MMS/PGDM/PGDBM must be of full time 2 years. In case of dual specializations, major specialization should be in Finance | NIL |
Notes:
- If a university gives CGPA/GPA without a percentage formula, percentage marks are calculated as:
- Total marks obtained in all subjects across all semesters ÷ Aggregate maximum marks of all subjects (including honors/optional).
Indemnity Bond
Selected candidates must sign an Indemnity Bond with two sureties to serve the Bank for a fixed period. If they leave before completing it, they must repay the bond amount and related costs to the Bank.
|
Cadre |
Amount of Bond |
Bond Period |
|---|---|---|
|
Grade/Scale I & II |
₹3.0 Lakhs |
2 years |
Selection Procedure
Scale | Selection Procedure |
|---|---|
Scale-I |
|
Online Examination Pattern
|
Test |
Name of the Test |
No. of Questions |
Maximum Marks |
Version |
Duration |
|---|---|---|---|---|---|
|
1 |
Reasoning |
40 |
40 |
Only English |
35 Minutes |
|
2 |
English Language |
40 |
40 |
35 Minutes |
|
|
3 |
General Awareness (with special reference to Banking) |
40 |
40 |
20 Minutes |
|
|
4 |
Professional Knowledge |
40 |
40 |
20 Minutes |
|
|
5 |
Quantitative Aptitude |
40 |
40 |
35 Minutes |
|
|
Total |
200 |
200 |
145 Minutes |
Notes:
- Negative marking: 0.25 marks for each wrong answer.
- Cutoffs are applied in two stages:
- On scores in individual tests
- On total score
- Interview
- Shortlisted candidates from the online exam are called for an interview round.
- Tests domain knowledge, communication skills, and suitability for the role.
- Final Selection & Appointment
- Based on exam + interview performance.
- Includes document verification and medical fitness.
Syllabus
English Language
- Reading Comprehensions
- Para Jumbles
- Para Completion
- Vocabulary
- Error Spotting
- Sentence Improvement
- Cloze test
- Rearrangement of sentences
General Awareness
- Banking Reforms
- International Banking
- Financial Terms
- Banking Terms
- Latest Acts related to Banking
- RBI Monetary Policy
- Monetary Policy Updates
- Financial Institution in India
- Mergers & Acquisitions in Banking Sector
- Digital Banking Developments
- Important Banking Terms & Abbreviations
- Mutual Funds
- Regulatory organizations: SEBI/NABARD/RBI
- Commercial Banks, NBFCs, HFC - Latest news
- Current Affairs
- 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
- 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
- Upcoming Sports Event
- 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
Nainital Bank Credit Officer Course by Team BankExamsToday
Team BankExamsToday is offering is a full-fledged, comprehensive and systematic course for the preparation of Nainital Bank Credit officer exams.
Course features
- Daily video classes
- Study Material
- Special attention to Professional knowledge section from Day 1
- One to One Mock Interview Session
- Interview preparation guide
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