PNB Sub-Staff to Clerk Promotion syllabus

PNB Sub-Staff to Clerk Promotion Syllabus

Topics 1–100
100 items
01–25 Basic Banking Concepts

Foundation topics for clerical operations & exam MCQs.

  1. Definition of Bank and Banking
  2. Types of Banks (Scheduled/Non-Scheduled)
  3. Functions of Commercial Bank
  4. Difference Between Public and Private Bank
  5. RBI – Functions and Structure
  6. Components of Monetary Policy (CRR, SLR etc.)
  7. Repo Rate, Reverse Repo Rate
  8. Bank Rate and Base Rate
  9. Priority Sector Lending (PSL)
  10. Types of Accounts – SB, CA, FD, RD
  11. KYC Rules & Documents Required
  12. Money Laundering and AML Guidelines
  13. Types and crossings of cheques
  14. Endorsement of cheques
  15. Banker-Customer Relationship
  16. Nomination Rules
  17. Types of Loans and Advances
  18. Ways to charge security – mortgage, hypothecation, pledge
  19. Process of Credit Appraisal
  20. NPA – Definition & Classification
  21. Provisioning Rules on NPAs
  22. Introduction to SARFAESI Act
  23. Instrument of Debt Recovery – DRT, Lok Adalat, IBC
  24. CIBIL Score and its Role
  25. Banking Ombudsman Scheme
26–50 Banking Operations & Services

Daily branch ops, payments & customer servicing.

  1. Core Banking Solution (CBS)
  2. NEFT, RTGS, IMPS – Compare
  3. UPI and Digital Banking
  4. Mobile Banking vs Internet Banking
  5. ATM, POS, QR code
  6. CTS (Cheque Truncation System)
  7. ECS, NACH
  8. Money Transfer Methods – DD, TT, MT
  9. MICR and IFSC Code
  10. Finacle & Banking Software
  11. Account Opening Process (Individual/Joint)
  12. Special Clients – Minors, Illiterate, Visually Impaired
  13. Jan Dhan Yojana, Insurance Schemes – PMJJBY, PMSBY, APY
  14. Financial Inclusion
  15. Business Correspondent Model
  16. Risk in Banking – Credit, Market, Operational
  17. Basel Norms (Summary of I, II, III)
  18. Kisan Credit Card (KCC)
  19. Self Help Groups (SHGs)
  20. Types of Mortgage/Collateral
  21. Gold Loan
  22. Education Loan
  23. MSME Loan – Definition & Policy
  24. MUDRA Scheme
  25. Lead Bank Scheme
51–75 Regulatory, Legal & Compliance

Acts, audits, fraud control, cyber & compliance.

  1. RBI Act, 1934
  2. Banking Regulation Act, 1949
  3. Negotiable Instruments Act, 1881
  4. PMLA Act, 2002
  5. DICGC – Deposit Insurance
  6. FEMA Act
  7. Features of Cheques and Bills
  8. Banker’s Book Evidence Act
  9. Limitation Act
  10. RTI in Banking
  11. Types of Bank Guarantees
  12. Letter of Credit
  13. Credit Risk Rating
  14. Bankruptcy and IBC
  15. Consortium Lending
  16. Multiple Banking Arrangement
  17. TReDS Platform
  18. Risk Management System
  19. Customer Service Committee
  20. Internal & Concurrent Audit
  21. Fraud Monitoring Mechanism
  22. Cyber Security in Banking
  23. Application of IT Act
  24. KYC Audit
  25. Compliance Risk Management
76–100 Govt Schemes, Financial Products & Current Affairs

Schemes, capital markets, treasury & new-age banking.

  1. Financial Literacy Campaign
  2. Role of Banks in Self-Reliant India
  3. Merger of banks
  4. Banking Related Current Affairs
  5. Green Banking
  6. ESG (Environmental, Social, Governance)
  7. Social Banking
  8. Digital Rupee (CBDC)
  9. Bharat Bill Payment System (BBPS)
  10. Bharat QR code
  11. RuPay Card
  12. NPCI – Functions & Products
  13. SWIFT and International Banking
  14. FEMA vs. FERA
  15. Export Credit & ECGC
  16. Treasury Operations
  17. Bancassurance
  18. Life Insurance vs General Insurance
  19. TDS Rules in Banking
  20. FATCA and CRS
  21. Correspondent Banking
  22. Capital Adequacy Ratio (CAR)
  23. Asset-Liability Management (ALM)
  24. Treasury Bills and Government Bonds
  25. PNB’s exclusive products and services (PNB ONE, PNB One BIZ, BBPS loan-repay, Bharat-QR merchant, Digital Lending etc.)
+ PNB’s Exclusive Products & Services – Quick View
  • PNB ONE – Unified mobile banking app (payments, bill-pay incl. BBPS, transfers, cards, loans, etc.).
  • PNB One BIZ – Business/mobile banking for MSME & current accounts; security features incl. “Cheque Suraksha”.
  • BBPS Loan Repayment – Loan EMIs can be repaid via BBPS across banks/channels.
  • PNB Mobile Apps Suite – PNB Genie (credit card), Bharat-QR Merchant, BHIM Aadhaar PNB, m-Passbook, etc.
  • Digital Lending – Centralised Digital Lending Platform (incl. Digital Gold Loan, Digi Car Loan), KCC Digital Renewal.
  • Merchant Acquiring – POS / QR acceptance & related services.
  • Digital Banking Units (DBU) – Self-service kiosks: ATM, CDM, Passbook, Bill-pay, Video-KYC account opening.

Note: Features evolve—refer official PNB links for latest details.

© 2025 • PNB Sub-Staff → Clerk Prep • Responsive syllabus page for Blogger