Syllabus for Bank Promotion Test

Following is the detailed syllabus or list of topics which are covered in bank promotion test for Clerk to Scale I, Scale I to II, Scale II to III,Scale III to IV and Scale IV to V.

  • The Banking Regulation Act, 1949
  • The RBI Act, 1934
  • Indian Contract Act.
  • Indemnity/ Guarantee/ Bailment/ Pledge/ Hyp./ Assignment/ Mortgage
  • Negotiable Instrument Act, 1881
  • Limitation act
  • Public Provident Fund Scheme, 1968
  • Right to Information Act , 2005
  • Official language policy
  • Senior Citizen Scheme, 2004
  • Insolvency and Bankruptcy Code
  • Consumer protection act
  • Partnership Act basics
  • Companies Act basics
  • Income Tax Act basics
  • Types of business organization- Prop./ partnership/ HUF/ Companies.

  • Financial Inclusion
  • RBI Note Refund Rules, 2009
  • TReDS
  • PMAY – CLSS 
  • Interest subvention for MSME
  • Interest Equalization scheme for export
  • Latest policy rates by RBI
  • Bank rate/ repo rate/ Reverse rep/ MSF/ CRR/ SLR/ LAF etc.
  • Garnishee order Vs Attachment order
  • Bank and Customer Relationship
  • Banker’s Rights 
  • Nomination Provisions
  • Lockers (Safe Deposit Vault)
  • Joint accounts
  • Bank accounts of minor 
  • In-Operative Accounts
  • In-Operative (10 Years and Over) — Unclaimed Deposits
  • Settlement of claims of missing persons
  • Deceased Accounts
  • Balance Sheet Analysis
  • Ratio analysis
  • Non Resident Indians – Products – NRO/ NRE/ FCNR RFC/ EEFC
  • Banking Codes and Standards Board of India (BCSBI)

  • Banking Ombudsman Scheme
  • Know Your Customer (KYC)
  • Anti Money Laundering – AML
  • CENTRAL KYC (CKYC)
  • EASE (Enhanced Access & Service Excellence)
  • Business Correspondents / Business Facilitators (BCBF) Model
  • IRAC Norms
  • Provisioning norms
  • Special Mention Accounts
  • Wilful Defaulters – RBI guidelines
  • Non-Cooperative Borrowers
  • SARFAESI Act
  • Asset Reconstruction Companies (ARC)
  • DRT
  • LOK ADALAT
  • MSME 
  • Priority Sector Lending (Imp)
  • CGTMSE
  • CGFMU

  • Basel III 
  • Risk Management
  • Startup India Scheme
  • Make in India
  • Stand up India
  • Real Estate Investment Trusts (REITs) Funds
  • RERA
  • Payment Banks
  • Small Finance Banks
  • Licensing of New Banks in the Private Sector
  • Goods & Services Tax (GST)
  • Important Committees on Banking
  • Direct Benefit Transfer (DBT)
  • Subprime Lending
  • Money Market Instruments
  • Derivatives/ Options/ Futures/ Swap
  • NBFC/ MF/ MFI/ Merchant Bank
  • ECB/ ADR/ GDR/ IDR
  • Take-Out Financing
  • Bill Discounting/ Factoring
  • Stock Exchange
  • Capital markets
  • SEBI
  • Restrictions on loans and advances – RBI guidelines
  • Selective Credit Control Methods of RBI
  • Credit Information Companies (CIC’s)
  • Credit Syndication
  • Consortium Financing
  • Multiple Financing
  • MCLR – Marginal Cost of Fund based Lending Rate
  • RLLR – Repo Linked Lending Rate
  • Restructured loan
  • Corporate Debt Restructuring (CDR)

  • Fund Based and Non Fund Based lending – CC/ LC/ BG
  • MPBF calculations
  • Prompt Corrective Action (PCA) Framework for Commercial Banks
  • Pradhan Mantri Suraksha Bima Yojana (accident insurance)
  • Pradhan Mantri Jeevan Jyoti Bima Yojana (life insurance)
  • Atal Pension Yojana (APY)
  • MUDRA – Micro Units Development & Refinance Agency Ltd
  • Pradhan Mantri Fasal Bhima Yojana (PMFBY) & Weather Based Crop Insurance Scheme (WBCIS)
  • Pradhan Mantri Fasal Bima Yojana (PMFBY)
  • PSB Loans in 59 Minutes (imp)
  • Foreign Exchange
  • NOSTRO/ VOSTRO ACCOUNTS
  • Foreign Exchange Management Act (FEMA)
  • Digital Banking (RTGS/ NEFT/ IMPS/ BHIM/ UPI)
  • ATM
  • NPCI, BBPS, NACH/ ECS, Wallet, 99#
  • Debit Card/ Credit Card/ Prepaid Card
  • MICR/ IFSC/ CTS
  • Money Transfer Service Scheme (MTSS)
  • Various Govt. Schemes for poor/ woman/ farmers etc.
  • Exposure norms
  • Large exposure framework
  • Banking Terms
  • Covid related schemes
  • Covid related changes
  • Budget Highlights
  • Latest monetary policy

Bank Specific topics

  • Customer compensation policy
  • Deposit products
    • Types of Saving/ Current Accounts/ FDs
    • Important features of accounts like min balance/ facilities etc.
    • Types of debit cards/ credit cards
  • Retails Schemes (Housing/ Vehicle/ Personal Loans)
    • Eligibility/ Max. & Min amount/ margin/ ROI
  • Agriculture Schemes
    • Eligibility/ Max. & Min amount/ margin/ ROI/ Security
  • MSME Schemes
    • Eligibility/ Max. & Min amount/ margin/ ROI/ Security
  • IT/ digital banking products
    • Net Banking/ mobile App/ limits 
  • IT/ Finacle 
    • Finacle commands related to accounts/ loans/ data entry/ security/ MIS
  • Business continuity planning
  • Loaning powers
    • Scale wise loaning powers and important aspects
  • Valuation/ Search policy
  • Forms/ agreements
  • Organization structure related