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 Institute of Chartered Accountants of India
  • Cost Management Accountant- CMA (ICWA) from 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 Online Written Test followed by Personal Interview or Personal Interview only, depending upon the applications response received against each post, as per 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 penalty to arrive at corrected score.

Candidates have to qualify 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 the 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 fulfil 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 Interview will be conducted by Bank in the following manner: 
  • Documents in support of 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 Interview will be provisionally selected for issuing offer of appointment on the basis of scores obtained by them in Interview. A candidate should therefore qualify in 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 is a full-fledged and a comprehensive course for the preparation of PNB SO Scale-I Credit Officer Exam, 2023. The course offers you an insight of the prescribed topics with the help of video lectures. Each video lecture is followed by notes and sectional quiz for the 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)

1. Working Capital Management
  • Introduction
  • Need for working capital
  • Cash cycle
  • Management strategies for working capital
2. Ratio analysis
  • Liquidity ratio
  • Turnover ratio
  • Profitability ratio
  • Solvency ratio
3. Time value of money
  • The Future Value of a Single Cash Flow
  • The Future Value of a Series of Cash Flows
  • The Present Value of a Single Cash Flow
  • The Present Value of a Series of Cash Flows
4. Capital budgeting
  • Discounted Payback Period
  • Payback Period
  • Internal Rate of Return (IRR)
  • Average Accounting Rate of Return (ARR)
  • Net Present Value
  • Profitability Index (PI)
  • Investment Decision Criteria
5. RBI and the Foreign Exchange Market
  • Role of Reserve Bank of India (RBI) in forex management.
  • Latest RBI circulars
6. Risk Management
  • Concept of Risk
  • Risk Management Process
  • Determination of Business Objectives
  • Identification of Risks
  • Measurement of Risk
  • Types of risks
  • Derivatives: Forwards, Futures, Swaps and Options
  • Basics of Derivative Pricing and Valuation
  • Forwards and Futures Valuation
  • Forward Rate Agreements and Swap Valuation
7. Short-term Financing
  • Working Capital Concepts
  • Working Capital Issues
  • Working Capital Cycle
  • Aggressive and Conservative Approach
  • Sources of Short-Term Financing
8. Long-Term Financing
  • Considerations of Issuers and Investors
  • Sources of Long-term Finance
  • Merits and Demerits of:
    • Retained Earnings
    • Equity Capital
    • Preference Capital
    • Debenture Capital
    • Term Loans
9. Money Markets
  • Money Market
  • Money Market Instruments
    • Coupon Bearing Instruments
    • Discount Instruments
  • Risks involved in Money Market
10. Capital Markets
  • Capital Markets
  • Process, types of securities and parties involved
  • Types of bonds
  • Bond valuations
  • Debt and Equity
11. Portfolio Management
  • Portfolio Risk and Return
  • Capital Allocation
  • Optimal Portfolio
  • Modern Portfolio Theory
  • Performance Measurement
12. Yield Curve Analysis
  • Concept of Yield Curve and its Types
  • Yield to Maturity concept
  • Types of Interest Rates and their Computation
  • Yield Interpolation
13. Duration
  • Concept of Duration and Modified Duration
  • Macaulay duration
  • Effective duration
  • Computation of Duration for different types of bonds
  • Relationship between duration, yield, coupon and maturity
  • Duration of a Portfolio
14. Convexity
  • Concept of Convexity and its Properties
  • Convexity of a Portfolio
  • Impact of price change on convexity
  • Positive and Negative Convexity
15. Interest Rate Options
  • Interest Rate Options
  • Over-the-Counter Options, Calls and Puts on LIBOR Caps, Floors and Collars
16. Interest Rate Swaps
  • Interest Rate Swaps
  • Basic Structure
  • Price Quoting Conventions
  • Pricing & Valuing Interest Rate Swaps
  • Variants of Interest Rate Swap
  • Swaption
17. Financial Awareness
  • Latest circulars of RBI and SEBI 
  • Indian Financial System
  • Financial market instruments 
  • International reports and indices
  • Latest government schemes 
  • 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 
  • Mutual Funds
  • Basel Norms
  • Regulatory organizations: SEBI/NABARD/RBI

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