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PNB SO Scale-I Credit Officer 2023

PNB SO Scale-I Credit Officer exam is going to be conducted for the selection of Scale-I Credit Officer in PNB bank. On this page, we will provide Exam Pattern, Exam Syllabus, and Previous papers for PNB SO Scale-I Credit Officer 2023 exam.

Number of Vacancies

  • 200

Important Dates



Opening Date for On-line Registration


Closing Date for On-line Registration (Including for Candidates from Far-Flung Areas)


Tentative Date of On-line Examination


Eligibility Criteria

Educational Qualifications

  • Chartered Accountant(CA) from the Institute of Chartered Accountants of India
  • Cost Management Accountant- CMA (ICWA) from the Institute of Cost Accountants of India.
  • Chartered Financial Analyst (CFA) from CFA Institute (USA).
  • Full-time Post-Graduation Degree/ Diploma in Management (MBA/ PGDM/ equivalent) with specialization in Finance from any Institute/ College/ University recognized/ approved by Govt. bodies/ AICTE/ UGC with minimum 60% marks or equivalent grade.


  • Min – 21 years Max – 28 years

Post Qualification Work Experience

  • Mandatory: NIL 
  • Desirable: Work Experience in Bank(s)/FI(s)

Selection Process

Selection will be based on an Online Written Test followed by a Personal Interview or Personal Interview only, depending upon the application response received against each post, as per the discretion of the Bank. 

Scenario 1. 

Written / Online Test followed by Interview: 

I. Written/ Online Test: 

In case the Bank decides to conduct Online Test, the same will comprise of as under:


Name of Test

No. of Questions

Maximum Marks


Part I




120 Minutes

English Language



Quantitative Aptitude



Part II

Professional Knowledge



Note: For each question for which a wrong answer has been given by the candidate one-fourth of the marks assigned to that question will be deducted as a penalty to arrive at a corrected score.

Candidates have to qualify for all the Tests of Part-I. The part-II i.e. professional knowledge test will be evaluated only for those candidates who qualify in each paper in Part-I.

II. Personal Interview: 

  • Candidates who obtain minimum qualifying marks as decided by the Bank in Part-I will be considered for shortlisting for Interview on the basis of merit prepared as per marks obtained by them in Part-II i.e. Professional Knowledge Test, provided they fulfill the other eligibility criteria with regard to Educational Qualification and Post Qualification work experience for the respective post.
  • Personal Interview will be of 50 marks. Minimum qualifying marks in interview shall be 45% i.e. 22.50 for SC/ST candidates & 50% i.e. 25 for other candidates.

Scenario 2.

Shortlisting of applications followed by Interview:

Personal Interviews will be conducted by Bank in the following manner: 
  • Documents in support of the eligibility of the candidates, on the basis of successful applications submitted, shall be collected at the appropriate stage and only those candidates who are found eligible, in terms of the eligibility criteria prescribed for the respective post, on the basis of documents submitted shall be called for Personal Interview. 
  • Personal Interview will be of 50 marks. Minimum qualifying marks in interview shall be 45% i.e. 22.50 for SC/ST candidates & 50% i.e. 25 for other candidates. 
  • Candidates obtaining minimum qualifying marks in Personal Interviews will be provisionally selected for issuing an offer of appointment on the basis of scores obtained by them in the Interview. A candidate should therefore qualify for the interview and be in the merit to be shortlisted for subsequent provisional appointment. 

Application Fees:

  • SC/ST/PwBD category candidates: Rs. 50/- + GST@18% per candidate (only postage charges) = Rs 59/-
  • Other category candidates: Rs. 1000/- + GST@18% per candidate = Rs 1180/-  

Bond Period

  • Scale : JMG Scale-I
  • Amount of Bond: Rs 1.00 lakh
  • Bond Period: 03 Years 

Course Features

Team BankExamsToday is offering a full-fledged and comprehensive course for the preparation of the PNB SO Scale-I Credit Officer Exam, 2023. The course offers you an insight into the prescribed topics with the help of video lectures. Each video lecture is followed by notes and a sectional quiz for a complete understanding of the concepts. The course has the following characteristics:
  • Video classes for Examination
  • Complete study material in PDF
  • Chapter-wise tests
  • Systematic study plan
  • Interview preparation guide

Syllabus for Scale-I Credit Officer 2023

Quantitative Aptitude

  • Data Interpretation
  • Boats and Streams
  • Time and Work
  • Time, Speed and Distance
  • Partnership
  • Mixtures and Alligation
  • Ages and Average
  • Profit and Loss
  • Percentage and Interest
  • Problems on Trains
  • Pipes and Cisterns
  • Area and Volume
  • Number Series
  • Linear equations
  • Quadratic equations
  • Data sufficiency


  • Puzzles
  • Seating Arrangement
  • Machine Input Output
  • Order and Ranking
  • Inequalities
  • Problems based on ages
  • Statement and Assumptions
  • Statement and Conclusion
  • Coding-Decoding
  • Statement and Argument
  • Venn Diagram/Syllogism
  • Blood Relation
  • Direction and Distance


  • Reading Comprehension
  • Cloze Test
  • Error Spotting
  • Double Fillers
  • Sentence Rearrangement
  • Vocabulary Based Questions

Professional Knowledge Manager/Senior Manager (Credit)

Module A – Overview of Credit

  1. Principles of lending
  2. Credit policy
  3. Types of borrowers & types of credit facilities
  4. Credit delivery
  5. Credit Appraisal
  6. Credit rating

Module B – Analysis of Financial Statements

  1. Basics of Financial Statements
  2. Ratio analysis
  3. Cash flow statement
  4. Fund flow statement
  5. Project appraisal
  6. Working capital management

Module C: Financial management

  1. Indian Financial System
  2. Regulatory bodies in India
  3. Money market and Capital market instruments
  4. Time value of money
  5. Basics of derivatives
  6. Leverages
  7. Capital budgeting

Module D: Other credits

  1. Export finance
  2. Priority sector lending
  3. Non-fund based Credit Facilities
  4. Government-sponsored schemes
  5. Retail loans

Module E: Monitoring, Followup, and Management of Impaired Assets

  1. Documentation
  2. IRAC norms
  3. Types of charges
  4. Management of impaired assets
  5. IBC 2016

Module F: RBI circulars and related laws

  1. RBI circulars (1 year)
  2. Companies act
  3. Contract act 1872
  4. Banking regulation 1949
  5. RBI act 1934
  6. Negotiable instruments act 1881
  7. Payment and settlement act 2007

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