CBI Credit Officer Syllabus and Exam Pattern - 2025

The Central Bank of India is a well-known public sector bank in the country. It plays an important role in India's banking system. The bank has officially released the Credit Officer recruitment notification for 2025. This is a great opportunity for candidates looking to work in the banking sector. The recruitment drive aims to fill 1,000 vacancies for the position of Credit Officer in the Junior Management Grade Scale I (JMGS I). Eligible candidates can now apply online for this post. The bank has invited applications from all interested and qualified individuals.

Applicants should take note of the important dates for the recruitment process. The online application process will begin on January 30, 2025. The last date to submit applications is February 20, 2025. Candidates must complete their applications within this period. They should also ensure that all details are correctly filled in before submission. Along with the application, candidates need to pay a fee. The online payment for the application fee will be available from January 30, 2025, to February 20, 2025.

The bank will later provide call letters for the online examination. However, the exact date for downloading the call letters has not yet been announced. Applicants must stay updated by checking the official Central Bank of India website regularly. The examination and interview dates will be announced at a later stage. Candidates should remain informed about these updates to avoid missing any crucial information.

It is important for all candidates to visit the official website frequently. Checking for updates will help them stay informed about any new announcements related to the recruitment process. The website will provide all essential details, including exam guidelines and further instructions.

Exam Pattern for Central Bank of India Credit Officer 2025

The Central Bank of India Credit Officer Exam 2025 has two main stages. The first stage is an online examination, which is followed by a personal interview.

The online exam will include a descriptive paper in English. This descriptive paper will be assessed using automated scoring systems. The answers will be scored by machines, making the process quicker and more efficient.

It is important to note that there will be no negative marking in the online examination. This means that candidates will not lose marks for incorrect answers.

The objective test, which is part of the online examination, will be available in two languages: English and Hindi. However, the English Language section of the exam will only be available in English.

Central Bank of India Credit Officer Syllabus 2025

The syllabus of the Central Bank of India Credit Officer 2025 exam is given as follows:

Final Selection Process

The final selection process for the Central Bank of India Credit Officer recruitment 2025 consists of two distinct stages that candidates must go through:

• Online Examination: The first stage of the selection process is the online examination, which consists of two parts. Candidates are required to successfully clear both the objective and descriptive papers. The objective paper tests the candidates' knowledge in various areas, while the descriptive paper evaluates their ability to write in a clear, structured, and detailed manner.
• Personal Interview: Once the candidates have passed the online examination, they will be shortlisted for the second stage, which is the personal interview. The interview is a crucial part of the selection process and carries a total of 50 marks. Candidates who appear for the interview will be required to achieve a minimum qualifying score in order to move forward in the process. For General and EWS candidates, the minimum qualifying marks are 50%, while for SC/ST/OBC/PwBD candidates, the required minimum marks are 45%.

After both the online exam and the personal interview are conducted, the final merit list will be created. The merit list will be based on the scores earned in both stages of the selection process. In the event that two or more candidates have the same score, their rankings will be determined based on their performance in the online examination. If their scores in the online examination are identical, the next factor that will be considered is the candidates’ date of birth, with preference given to older candidates.

Admission Procedure for Post Graduate Diploma in Banking & Finance (PGDBF)

Candidates who are successfully selected as Credit Officers in JMGS I will be required to undergo a one-year Post-Graduate Diploma in Banking & Finance (PGDBF) program. This program is mandatory before they can officially join the Central Bank of India. The PGDBF program includes the following components:

• Classroom Training: The first part of the program consists of 9 months of intensive classroom training, which will take place at designated training institutes or universities that have been approved by the bank. This training is designed to provide candidates with the theoretical knowledge and skills needed to perform effectively in the banking sector.
• On-the-Job Training (OJT): The second part of the PGDBF program includes 3 months of On-the-Job Training (OJT) at various branches or offices of the Central Bank of India. This phase is aimed at providing candidates with practical, hands-on experience in the banking environment. The OJT helps candidates understand the day-to-day operations of the bank and apply their classroom knowledge in real-world scenarios.

Course Fee & Educational Loan

The PGDBF program is a paid course, and the fee for the entire program ranges between Rs. 3 to 4 lakhs, exclusive of GST.

Candidates have two options when it comes to paying for the PGDBF course. The first option is for candidates to pay the course fee using their own funds. Alternatively, candidates can opt to avail themselves of an education loan from the Central Bank of India, which can help cover the cost of the program.

Furthermore, the Central Bank of India has a provision to reimburse the course fee for candidates who complete five years of service with the bank after joining as Credit Officers. This provides an incentive for candidates to stay with the bank long-term and continue to build their careers within the organization.

Probation & Confirmation

Once the candidates successfully complete the PGDBF program, they will be inducted into the bank as Credit Officers, specifically in the position of Probationary Assistant Managers, within the JMGS I grade.

As part of their induction, candidates will be placed on probation for a period of two years. During this probationary period, candidates will undergo further evaluation based on their job performance, conduct, and ability to adapt to the role of a Credit Officer.

During the probation period, candidates are also required to complete certain certifications to further enhance their banking knowledge and skills. One such requirement is passing the DBF/JAIIB certification exams from the Indian Institute of Banking & Finance (IIBF). These certifications are essential for candidates to move forward in their banking careers and secure a permanent position within the bank after the successful completion of their probation.