Here is the detailed syllabus for Bank of Baroda Credit Analyst 2026:
Exam Pattern
| Section | Questions | Marks | Duration |
|---|---|---|---|
| Reasoning | 25 | 25 | 75 Minutes* |
| English Language | 25 | 25 | |
| Quantitative Aptitude | 25 | 25 | |
| Professional Knowledge | 75 | 150 | 75 Minutes |
| Total | 150 | 225 | 150 Minutes |
Important:
- Reasoning, English and Quant sections are qualifying in nature.
- Final merit is primarily driven by Professional Knowledge performance.
- No negative marking.
Professional Knowledge Syllabus (Most Important)
Module A: Credit Management
Principles of Lending
- Safety, Liquidity, Profitability
- Diversification
- Security and Margin
- Credit Delivery System
Credit Facilities
- Cash Credit
- Overdraft
- Term Loan
- Working Capital Finance
- Bill Discounting
- Letter of Credit
- Bank Guarantee
Credit Appraisal
- 5 Cs of Credit
- Credit Rating
- Due Diligence
- Industry Analysis
- SWOT Analysis
- Risk Assessment
Module B: 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
- EBITDA Margin
Working Capital Assessment
- Operating Cycle
- MPBF
- Turnover Method
- Cash Budget Method
Project Appraisal
- Break Even Analysis
- NPV
- IRR
- Payback Period
This module has historically produced the highest number of questions.
Module C: Financial Management
- Time Value of Money
- Cost of Capital
- Capital Budgeting
- Leverages
- Derivatives Basics
- Indian Financial System
- Money Market Instruments
- Capital Market Instruments
- Regulatory Bodies
Module D: Other Credit Areas
Export Finance
- Pre-shipment Credit
- Post-shipment Credit
- ECGC
Priority Sector Lending
- PSL Targets
- Weaker Sections
- Agriculture Finance
- MSME Finance
Retail Credit
- Housing Loans
- Vehicle Loans
- Education Loans
Government Schemes
- PMEGP
- CGTMSE
- PM Mudra
- PM Vishwakarma
- PM SVANidhi
Module E: Stressed Assets & Recovery
Documentation
- Loan Documentation
- Types of Securities
Charges
- Pledge
- Hypothecation
- Mortgage
- Assignment
- Lien
NPA Management
- IRAC Norms
- SMA Classification
- Provisioning
Recovery Laws
- SARFAESI Act
- IBC 2016
- DRT
This is one of the favorite areas of BOB examiners.
Module F: Banking Laws & RBI Regulations
RBI Master Directions
- KYC
- PSL
- Basel Norms
- Exposure Norms
- Digital Lending
Banking Laws
- Banking Regulation Act 1949
- RBI Act 1934
- Negotiable Instruments Act
- Indian Contract Act 1872
- Companies Act
- Payment & Settlement Systems Act
Module G: Financial Awareness
Banking Current Affairs
- RBI Circulars (last 12 months)
- Monetary Policy
- Digital Banking
- UPI
- CBDC
Banking Awareness
- Mergers & Acquisitions
- Banking Terminology
- Financial Institutions
- Regulatory Bodies
Previous Paper Analysis
After reviewing previous Credit Analyst recruitments, memory-based papers, candidate feedback and BOB's published syllabus, a clear trend emerges:
Very High Frequency Topics
- Ratio Analysis
- Working Capital Assessment
- Credit Appraisal
- IRAC Norms
- Basel Norms
- Priority Sector Lending
- Types of Charges
- Letter of Credit & Bank Guarantee
- RBI Circulars
- Financial Statements
Moderate Frequency Topics
- Project Finance
- Export Finance
- CGTMSE
- Capital Budgeting
- Money Market
- Negotiable Instruments Act
- KYC & AML
Lower Frequency Topics
- Derivatives
- Retail Banking Products
- Companies Act
- Consumer Banking
Topic-Wise Expected Weightage (Professional Knowledge)
| Topic | Expected Questions |
|---|---|
| Financial Statement Analysis & Ratios | 10-12 |
| Working Capital Assessment | 6-8 |
| Credit Appraisal & Lending Principles | 8-10 |
| IRAC Norms & NPA Management | 6-8 |
| Basel Norms | 3-5 |
| Priority Sector Lending | 4-6 |
| Export Finance | 3-5 |
| Letter of Credit & Bank Guarantee | 3-5 |
| Charges (Mortgage, Hypothecation etc.) | 4-6 |
| RBI Circulars (Last 1 Year) | 8-12 |
| Banking Laws | 4-6 |
| Government Schemes (CGTMSE, PMEGP etc.) | 3-5 |
| Financial Awareness & Banking Current Affairs | 8-10 |
If you have only 30 days
Focus in this order:
- Financial Statement Analysis
- Ratio Analysis
- Working Capital
- Credit Appraisal
- IRAC Norms
- Types of Charges
- PSL
- Basel Norms
- RBI Circulars (last 1 year)
- Financial Awareness
These 10 areas alone can typically cover 60-70% of the Professional Knowledge section in Bank of Baroda Credit Analyst examinations.
