Here is the detailed syllabus for Bank of Baroda C&IC Relationship Manager (Scale III & IV) 2026:
Exam Pattern
| Section | Questions | Marks |
|---|---|---|
| Reasoning | 25 | 25 |
| English Language | 25 | 25 |
| Quantitative Aptitude | 25 | 25 |
| Professional Knowledge | 75 | 150 |
| Total | 150 | 225 |
Important
- Reasoning, English and Quant are qualifying.
- Professional Knowledge determines merit.
- Corporate Credit questions dominate the exam.
Professional Knowledge Syllabus
Module 1: Corporate Banking & Relationship Management
Corporate Banking Basics
- Corporate Banking Structure
- Mid Corporate Banking
- Large Corporate Banking
- Institutional Banking
Relationship Management
- Client Acquisition
- Key Account Management
- Cross-Selling
- Revenue Generation
- Customer Profitability
Corporate Credit Lifecycle
- Lead Generation
- Proposal Processing
- Credit Approval
- Monitoring
- Renewal
Module 2: Credit Appraisal & Lending
Lending Principles
- Safety
- Liquidity
- Profitability
- Diversification
Credit Assessment
- 5 Cs of Credit
- Credit Rating
- External Ratings
- Internal Ratings
Credit Facilities
- Cash Credit
- Overdraft
- Term Loan
- Working Capital Loan
- Bill Discounting
Consortium & Multiple Banking
- Consortium Lending
- Multiple Banking Arrangements
- Joint Lending
Module 3: Financial Statement Analysis
Financial Statements
- Balance Sheet
- Profit & Loss Account
- Cash Flow Statement
Ratio Analysis
- Current Ratio
- Quick Ratio
- Debt Equity Ratio
- Interest Coverage Ratio
- DSCR
- ROA
- ROE
Cash Flow Analysis
- Operating Cash Flow
- Free Cash Flow
- Fund Flow
Project Appraisal
- NPV
- IRR
- Break-Even Analysis
This is consistently one of the most heavily tested areas.
Module 4: Working Capital Finance
Working Capital Assessment
- Operating Cycle
- MPBF
- Turnover Method
- Cash Budget Method
Inventory & Receivables
- Stock Holding Period
- Debtor Cycle
- Creditor Cycle
Drawing Power
- Calculation of DP
- Stock Statements
Module 5: Trade Finance & Treasury
Trade Finance
- Letter of Credit (LC)
- Bank Guarantee (BG)
- Import Finance
- Export Finance
- ECGC
Foreign Exchange
- FEMA
- Export-Import Transactions
- Forward Contracts
- Exchange Rates
Treasury Basics
- Money Market
- Capital Market
- Government Securities
Module 6: Priority Sector & Government Schemes
Priority Sector Lending
- PSL Targets
- MSME Finance
- Agriculture Finance
Government Schemes
- CGTMSE
- PMEGP
- MUDRA
- PM Vishwakarma
- Stand-Up India
Module 7: Risk Management
Credit Risk
- Default Risk
- Industry Risk
- Business Risk
Basel Framework
- Basel III
- Capital Adequacy
- Risk Weighted Assets
Exposure Norms
- Single Borrower Limits
- Group Borrower Limits
Module 8: Stressed Assets & Recovery
Asset Classification
- SMA-0
- SMA-1
- SMA-2
- NPA
Recovery Framework
- SARFAESI Act
- DRT
- IBC 2016
Security Creation
- Mortgage
- Hypothecation
- Pledge
- Assignment
- Lien
Module 9: RBI Guidelines & Banking Laws
RBI Circulars
- Last 12 Months
- Corporate Credit
- Digital Lending
- PSL
- Basel
Banking Laws
- Banking Regulation Act 1949
- RBI Act 1934
- Companies Act 2013
- Contract Act 1872
- Negotiable Instruments Act
- Payment & Settlement Systems Act
Previous Paper Trend Analysis
Based on previous BOB Relationship Manager recruitments and memory-based papers, the focus is different from Credit Analyst.
Relationship Manager Paper Focus
Less focus on:
- Detailed accounting entries
- Advanced project finance
More focus on:
- Corporate Banking
- Relationship Management
- Working Capital
- Trade Finance
- Credit Monitoring
- Risk Management
- RBI Guidelines
Expected Topic-Wise Weightage (75 Questions)
| Topic | Expected Questions |
|---|---|
| Financial Statement Analysis & Ratios | 8-10 |
| Working Capital Finance | 8-10 |
| Credit Appraisal | 7-9 |
| Corporate Banking & Relationship Management | 8-12 |
| Trade Finance (LC, BG, Export Finance) | 6-8 |
| Risk Management & Basel | 5-7 |
| PSL & Government Schemes | 4-6 |
| RBI Circulars (Last 1 Year) | 8-12 |
| NPA, SARFAESI & IBC | 5-7 |
| Banking Laws | 4-6 |
High Priority Topics (Most Likely to Appear)
Tier 1 (Must Prepare)
- Financial Ratio Analysis
- Working Capital Assessment
- Corporate Credit Appraisal
- Letter of Credit
- Bank Guarantee
- RBI Circulars (1 Year)
- Basel III
- Corporate Banking Products
- Relationship Management Concepts
- NPA & IRAC Norms
Tier 2
- FEMA
- Export Finance
- CGTMSE
- PSL
- SARFAESI
- IBC 2016
Tier 3
- Capital Budgeting
- Treasury Basics
- Derivatives
- Companies Act
If You Have Only 30 Days
Study in this order:
- Financial Statement Analysis
- Working Capital Finance
- Credit Appraisal
- Corporate Banking Products
- LC & BG
- Relationship Management
- RBI Circulars (Last 12 Months)
- Basel III
- NPA & Recovery
- FEMA & Export Finance
These areas alone can realistically cover 65–75% of the Professional Knowledge section for C&IC Relationship Manager Scale III & IV.
Bank of Baroda C&IC Relationship Manager (Scale III & IV) Course 2026