The Bank of India Credit Officer Professional Knowledge syllabus has been divided into 10 comprehensive modules covering banking, credit, RBI regulations, laws, current affairs, government schemes, forex, and English.
Exam Pattern
|
Event |
Date |
|
Online Application Opens |
30 June 2026 |
|
Last Date to Apply |
20 July 2026 |
|
Relevant Date (Age & Qualification) |
01 June 2026 |
|
Online Examination |
To be advised separately |
The 10 Modules
- Banking
- Credit
- English Language
- Forex
- Government Schemes
- Banking Laws
- RBI Master Circulars
- Banking & Financial Awareness
- Current Affairs
- RBI Circulars
2. Module-wise BOI Credit Officer Syllabus
Module 1: Banking
Banking Structure
- Banking System in India
- RBI, SBI, Nationalised Banks
- Cooperative Banks
- Regional Rural Banks
- Small Finance Banks
Banking Operations
- Banker-Customer Relationship
- Negotiable Instruments
- Deposit Accounts
- KYC
- Digital Banking
- Payment Systems
- Consortium Lending
- Syndication
Credit Recovery
- NPA Management
- Asset Classification
- SARFAESI
- DRT
- Lok Adalat
Module 2: Credit
Lending Principles
- Principles of Lending
- Credit Policy
- Credit Rating
- Internal Rating Models
Credit Appraisal
- Working Capital Assessment
- MPBF
- Tandon Committee
- Chore Committee
- Capital Budgeting
- Break-even Analysis
- NPV
- IRR
Financial Analysis
- Ratio Analysis
- DSCR
- ROI
- ROCE
- Debt-Equity Ratio
Loan Products
- MSME Credit
- Agricultural Credit
- Retail Loans
- Housing Loans
- Vehicle Loans
- Personal Loans
Recovery & Monitoring
- IRAC Norms
- Provisioning
- Stock Audit
- Documentation
- Charge Creation
- CERSAI
- SARFAESI
Module 3: English Language
Topics Covered
- Reading Comprehension
- Error Spotting
- Sentence Improvement
- Cloze Test
- Para Jumbles
- Vocabulary
- Idioms & Phrases
- Grammar
- Mini Mock Tests
Module 4: Forex
Foreign Exchange Basics
- Exchange Rates
- Spot & Forward Contracts
- FEMA
- Export Finance
- Import Finance
International Banking
- EEFC Account
- NRE Account
- NRO Account
- FCNR Account
- Correspondent Banking
- Nostro & Vostro Accounts
Trade Finance
- Letter of Credit
- Bank Guarantee
- Hedging
- Options
- Swaps
- Liberalised Remittance Scheme (LRS)
Module 5: Government Schemes
Important Schemes
- PM-Kisan
- PMEGP
- CGTMSE
- PM Mudra Yojana
- PMJDY
- PMSBY
- PMJJBY
- Atal Pension Yojana
- NPS Vatsalya
- PMAY
- Start-Up India
- Stand-Up India
- Budget 2026 Highlights
Module 6: Banking Laws
Important Acts
- Banking Regulation Act
- RBI Act
- Negotiable Instruments Act
- Consumer Protection Act
- Insolvency & Bankruptcy Code
- SARFAESI Act
- Coinage Act
- Indian Contract Act
- Limitation Act
- Stamp Act
Module 7: RBI Master Circulars
Major Areas
- KYC Master Direction
- IRAC Norms
- Exposure Norms
- Basel Norms
- Priority Sector Lending
- FEMA Master Directions
Module 8: Banking & Financial Awareness
Coverage
- RBI Monetary Policy
- Banking Reforms
- Bank Mergers
- Financial Inclusion
- Capital Markets
- Mutual Funds
- Regulatory Developments
Module 9: Current Affairs
Topics
- National Events
- International Events
- Government Policies
- Important Appointments
- Awards
- Reports
- Economy
- Banking Updates
Module 10: RBI Circulars
Important Areas
- Digital Lending Guidelines
- Co-lending Framework
- MSME Circulars
- PSL Circulars
- Cyber Security
- Fraud Risk Management
- Restructuring Framework
- Provisioning Updates
3. Credit Module: The Highest Scoring Section
Credit Appraisal
- Working Capital
- Project Finance
- Financial Statements
- Ratio Analysis
Lending Products
- MSME
- Agriculture
- Retail
- Corporate Credit
Recovery
- IRAC
- SARFAESI
- Documentation
- Provisioning
