PNB SO Syllabus 2025, Check Industry, Credit, Specialist Officer Exam Pattern

PNB SO Recruitment 2025 Syllabus: The Punjab National Bank has released the PNB SO Exam Pattern and syllabus on their official website along with the notification PDF. The PNB SO Exam Pattern consists of an online written test with multiple-choice questions and Interview. The online examinations include Reasoning (25 questions, 25 marks), English Language (25 questions, 25 marks), Quantitative Aptitude (50 questions, 50 marks), and Professional Knowledge (50 questions, 100 marks) section making a total of 150 questions for 200 marks with a composite time duration of 120 minutes. In this article, we are providing the PNB SO Syllabus 2025 along with the details exam pattern and section-wise syllabus.

PNB SO Syllabus 2025

The Punjab National Bank has released the PNB Specialist Officer Syllabus 2025 on their official website along with the notification pdf. The PNB Credit Officer online examination consists of four sections including Reasoning. Quant, English, and Professional Knowledge. Candidates bookmark our article to check the Punjab National Bank So section-wise syllabus.

PNB SO Syllabus 2025: Overview

The PNB Specialist Officer 2025 recruitment contains various roles, including Credit Officer, Manager-IT, Manager-Cyber Security, and Senior Manager-Cyber Security. Before starting the preparation candidates know the overview of the PNB SO Exam Pattern and Syllabus. Candidates can check the detailed overview in the table below.

PNB SO Syllabus 2025 & Exam Pattern Overview
Exam Conducting Body	Punjab National Bank
Exam Name	PNB SO Exam 2025
Mode of Exam	Online
Type of Questions	Objective Type
Category	Syllabus
PNB SO Exam date 2025	April /May 2025
Selection Process	Online Exam and Interview
Negative Marking	1/4 of the mark deducted for each wrong answer
No. of Questions	150
PNB SO Interview Marks	50 Marks
Official website	www.pnbindia.in

PNB Specialist Officer Syllabus 2025 in Details

The PNB SO Syllabus contains four sections including Reasoning, Quant, English and Professional Knowledge. Candidates can check the section-wise details syllabus in the section below.

PNB SO Reasoning Syllabus

Here we are providing the PNB SO syllabus for Reasoning. Candidates can check the Reasoning details syllabus in the section below.

• Analogy
• Series Completion
• Verification of truth of the Statement
• Situation Reaction Test
• Direction Sense Test
• Classification
• Data Sufficiency
• Alpha-Numeric Sequence Puzzle
• Puzzle Test
• Analytical Reasoning
• Paper Folding
• Paper Cutting
• Cubes and Dice
• Water Images
• Mirror Images
• Figure Matrix
• Completion Incomplete Pattern
• Blood Relations
• Coding-Decoding
• Assertion and Reasoning
• Arithmetical Reasoning
• Operations of Mathematics
• Venn Diagrams
• Word Sequence
• Missing Characters
• Sequential Output training
• Directions
• Test on Alphabets
• Eligibility Test
• Dot Situation
• Identical figure groupings
• Forming figures and analysis
• Construction of Squares and Triangles
• Series
• Spotting embedded figures
• Classification
• Rules Detection

PNB SO English Syllabus

The PNB SO Syllabus for English is provided in the section below:

• Cloze Passage
• Fill in the Blanks
• Shuffling of Sentence parts
• Conversions
• Sentence Rearrangement
• Antonyms and their correct usage
• Common Error
• Active/Passive Voice of Verbs
• Comprehension Passage
• Spot the Error
• Synonyms/Homonyms
• Grammar
• Shuffling of Sentences in a Passage
• Improvement of Sentences
• Spellings/Detecting Mis-spelt words
• Antonyms
• Vocabulary
• Idioms & Phrases
• One word substitution

PNB SO Quantitative Aptitude Syllabus

Candidates can check the PNB SO Syllabus for the Quant aptitude section in the section below.

• Mensuration
• Permutations and Combinations
• Problems on L.C.M and H.C.F
• Pipes and Cisterns
• Percentages
• Simple Equations
• Time and Work Partnership
• Ratio and Proportion
• Boats and Streams
• Simple Interest
• Numbers and Ages
• Mixtures and Allegations
• Problems on Numbers
• Averages
• Indices and Surds
• Compound Interest
• Volumes
• Odd Man Out
• Quadratic Equations
• Time and Distance
• Problems on Trains
• Areas
• Races and Games
• Probability
• Profit and Loss
• Simplification and Approximation

PNB SO Professional Knowledge Syllabus

• Importance of Banks and Credit in the Economy
• The Role of Commercial/Corporate Credit
• Classification of Commercial Borrowers
• Introduction to the Basel Accords on Banking Supervision
• Understanding Objectives, Providers, and Uses of Credit Ratings
• Understanding Global Credit Ratings from External Credit Rating Agencies
• “Understanding National Credit Ratings from Indian External Credit Rating Agencies”
• Accrual Accounting
• Key RBI Guidelines for Credit Facilities
• Credit Risk and its Components
• Accounting Concepts and Principles
• Financial Statements Structure and Composition
• Analysis of Financial Statements
• Project Appraisal
• Working Capital Management
• Priority Sector lending
• Role and Importance of the RBI
• Borrower Legal Due Diligence
• Structural Elements of Credit Facilities
• Commercial/Corporate Credit Products
• Measuring Credit Risk
• Credit Assessment Framework
• Credit Underwriting
• Retail Loans
• Documentation
• Types of Charges
• Credit Monitoring
• Fair Practices on Lender’s Liability
• Exposure Norms
• Non-Fund based credit Facilities

PNB Industry Officer Syllabus 2025

The Punjab National Bank (PNB) conducts an online examination for the recruitment of Specialist Officers (SO), including the position of Industry Officer. The exam assesses candidates across four key sections: Reasoning Ability, English Language, Quantitative Aptitude (same as a specialist officer), and Professional Knowledge. Below is a detailed breakdown of the syllabus for each section:​

Professional Knowledge

For the Industry Officer position, the Professional Knowledge section focuses on subjects pertinent to the role:​

• Accounting Concepts: Marginal costing, social accounting, absolute costing, cost-volume-profit analysis, inventory valuation, target costing, and SEBI’s cost accounting guidelines.​
• Corporate Accounting: Share issuance, profit distribution, bonus shares, final accounts under the Factories Act, underwriting, goodwill valuation, business acquisition, and debenture redemption.​
• Business Law: Provident funds, industrial disputes, labor laws, negotiable instruments, Gratuity Act, contract law, partnership law, and cost-volume-profit analysis.​
• Management Accounting: Ratio analysis, cash flow statements, budgeting, financial management, capital markets, company law, standard costing, and capital budgeting.​
• Capital Structure: Cost of capital, fund flow statements, job and batch costing, labor and overhead costs, process costing, and financial statement evaluation.​
• Economics: Micro and macroeconomic principles, money markets, RBI policies, and financial trends.

PNB Credit Officer Syllabus 2025

Professional Knowledge

For the Credit Officer position, the Professional Knowledge section focuses on subjects pertinent to the role:​

• Banking and Financial Awareness: Recent developments in the banking sector, monetary policies, financial institutions, and regulatory bodies.​
• Credit Management: Principles of credit management, credit appraisal, risk assessment, and mitigation strategies.​
• Financial Analysis: Understanding financial statements, ratio analysis, cash flow, and fund flow analysis.​
• Corporate Finance: Capital structure, cost of capital, leverage, and dividend policy.​
• Risk Management: Types of risks in banking, Basel norms, and risk management techniques.​
• Economics: Basic economic concepts, micro and macroeconomic principles, and current economic scenarios.

PNB IT Officer Syllabus 2025

This section assesses domain-specific knowledge pertinent to the IT Officer role. While the exact topics can vary, candidates should focus on:​

• Database Management Systems (DBMS)
• Networking Concepts
• Operating Systems (Windows, Linux)
• Data Structures and Algorithms
• Software Engineering Principles
• Web Technologies
• Information Security and Cybersecurity
• Programming Languages (Java, C++, Python)
• Cloud Computing Basics
• Recent IT Trends and Technologies

PNB SO Exam Pattern 2025

The PNB SO 2025 exam selection process consists of two stages including an Online examination and an Interview. The PNB SO Online examination contains four sections such as Reasoning, Quant, English and Professional Knowledge.

PNB SO Exam Pattern 2025
Part	Name of Test	Questions	Marks	Duration
Part A	Reasoning	25	25	25 minutes
	English Language	25	25	25 minutes
	Quantitative Aptitude	50	50	25 minutes
Part B	Professional Knowledge	50	100	45 minutes
	Total	150	200	120 Minutes

There is a penalty of one-fourth or 0.25 of the marks assigned to that question.

PNB SO Interview Process

Personal Interview: Personal Interview will be conducted by Bank in the following manner:

• 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 including Educational Qualification, Certification and Post Educational Qualification Work Experience for the respective post.
• Documents in support of eligibility of the candidates shortlisted on the basis of merit prepared as discussed above shall be collected 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.
• Number of candidates to be called for Interview shall be decided by the Bank based on performance of candidates in the online written examination.
• 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 offer of appointment based on aggregate scores obtained by them in Part-II of Online Written Test i.e. Professional Knowledge and Interview. A candidate should have qualified both in the Online Written Test as well as in the Interview and be in the merit to be shortlisted for subsequent provisional appointment.

PNB SO Syllabus Preparation Tips

1. Understand the Pattern and Weightage:

• Check the latest exam pattern and prioritize sections with higher marks.
• Focus heavily on Professional Knowledge — it’s usually the deciding factor.

2. Make a Study Plan:

• Divide your day into 3 sessions: Aptitude/Reasoning, English, and Professional Knowledge.
• Spend at least 50% time on Professional Knowledge.

3. Practice Mock Tests:

• Attempt full-length mock tests at least 2-3 times a week.
• Analyze your performance after each mock.
• Focus on improving speed and accuracy.

4. Use Quality Study Material:

• For Reasoning/Quant/English, refer to standard books like:
  • RS Aggarwal for Quant
  • Arun Sharma for Reasoning
  • Wren & Martin for English Grammar
• For Professional Knowledge, use:
  • Specific books for your domain
  • RBI/Banking official guidelines
  • Online study portals and PDFs

5. Revision is Key:

• Maintain short notes for formulas, banking terms, laws, etc.
• Revise weekly to avoid forgetting concepts.

6. Work on Time Management:

• Set a timer while practicing questions.
• In the exam, don’t waste time on tough questions — move on and return later.

7. Stay Updated with Current Affairs:

• Read newspapers/business magazines.
• Focus on Banking Awareness and Financial News for interviews if shortlisted.

8. Focus on Weak Areas:

• Identify your weak areas early and spend extra time strengthening them.
• Regular mini-quizzes help reinforce concepts.

Quick Strategy for PNB SO Exam Preparation

Section	Tips
Reasoning	Practice puzzles daily. Focus on accuracy.
English	Improve comprehension skills. Learn 10 new words daily.
Quantitative	Master short tricks for calculations.
Professional Knowledge	Focus on in-depth understanding. Solve domain-specific MCQs.

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PNB SO Syllabus: FAQ