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Bank of Baroda SO (wealth Executive and Credit Analyst – C&IC) 2026 Free Mock Test Practice
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Bank of Baroda SO (wealth Executive and Credit Analyst – C&IC) 2026 Exam Free Online Question Bank
Bank of Baroda SO (Wealth Executive and Credit Analyst – C&IC) Syllabus 2026, Exam Pattern
Bank of Baroda SO Syllabus 2026, Exam Pattern, Exam Date 2026
Detail Information about Bank of Baroda has published notification 2026 for the recruitment of SO vacancies. Those Candidates who are Interested to the following vacancy and completed all Eligibility Criteria can read the Notification & Apply Online. In this page we provide the Complete Syllabus of this Recruitment with Latest Update Exam Pattern and the Exam Date also.
Bank of Baroda SO Syllabus 2026 - Overview
Bank of Baroda SO Syllabus 2026
English Language :
1. Fill in the Blanks
2. Sentence Rearrangement
3. Idioms & Phrases
4. Vocabulary
5. Verb
6. Unseen Passages
7. Comprehension
8. Grammar
9. Subject-Verb Agreement
10. Tenses
11. Articles
12. Synonyms
13. Adverb
14. Antonyms
15. Error Correction
Reasoning :
1. Analogy
2. Coding-Decoding
3. Clocks & Calendars
4. Decision Making
5. Number Series
6. Non-Verbal Series
7. Number Ranking
8. Alphabet Series
9. Cubes and Dice
10. Directions
11. Blood Relations
12. Statements & Conclusions
13. Mirror Images
14. Arithmetical Reasoning
Quantitative Aptitude :
1. Percentages
2. Average
3. HCF & LCM
4. Profit and Loss
5. Time and Work
6. Decimal & Fractions
7. Mixtures & Allegations
8. Data Interpretation
9. Number System
10. Simple & Compound Interest
11. Simplification
12. Ratio and Proportions
13. Problems on Ages
14. Time and Distance
General / Economic & Banking Awareness :
1. Current Affairs
2. GK Updates
3. Currencies
4. Important Places
5. Banking Awareness
6. Awards
7. Book And Author
8. Important Days
9. Headquater
10.Prime minster Scheme
Professional Knowledge : (Expected)
Wealth Executive :
Wealth Management Fundamentals & Financial Planning :
Concept of wealth management, advisory lifecycle, and client profiling (risk appetite, risk tolerance, and investment horizon).
Financial planning process: goal planning, cash flow management, retirement planning, and children's education/marriage planning.
Asset allocation strategies (tactical vs. strategic asset allocation) and portfolio construction basics.
Investment Products & Markets :
Mutual Funds: Detailed structures of open-ended, close-ended, and interval schemes; equity, debt, hybrid, and solution-oriented funds; active vs. passive management (index funds and ETFs).
Portfolio Management Services (PMS): Discretionary and non-discretionary PMS, fee structures, and regulations.
Fixed Income & Debt Instruments: Government securities, Treasury bills, corporate bonds, debentures, tax-free bonds, and yield curve concepts.
Alternative Investment Funds (AIFs) & Structured Products: Categories I, II, and III AIFs, market-linked debentures (MLDs), and derivatives basics.
Insurance & Risk Protection Products:
Life insurance products (Term, Endowment, ULIPs, Whole Life) and health insurance/general insurance basics.
Role of insurance in estate planning and risk mitigation for high-net-worth individuals (HNIs).
Taxation & Legal Aspects for Investors :
Capital gains taxation (Short-Term Capital Gains vs. Long-Term Capital Gains on equity, debt, and real estate).
Tax-saving instruments and deductions under the Income Tax Act.
Basics of estate planning: wills, trusts, succession acts, and HUF (Hindu Undivided Family) taxation.
Regulatory & Compliance Framework:
Role and guidelines of regulatory bodies: SEBI, RBI, IRDAI, and AMFI.
Know Your Customer (KYC), Anti-Money Laundering (AML), and Foreign Account Tax Compliance Act (FATCA) norms.
Code of conduct and ethical standards for wealth distributors and advisors.
Banking Products & Cross-Selling:
High-value retail liability products (savings and current accounts for affluent clients), NRI banking services (NRE, NRO, FCNR accounts), and credit offerings.
Cross-selling strategies and relationship management techniques for client acquisition and retention.
Credit Analyst – C&IC Syllabus : (Expected)
Financial Statement Analysis & Corporate Accounting :
Advanced Balance Sheet, Profit & Loss Account, and Cash Flow Statement analysis.
In-depth ratio analysis (Liquidity, Leverage, Activity, and Profitability ratios).
Working capital assessment techniques: Operating cycle method, Turnover method, and Cash Budget method (MPBF - Maximum Permissible Bank Finance as per Tandon/Chore committee norms).
Break-even analysis, DSCR (Debt Service Coverage Ratio), ISCR (Interest Service Coverage Ratio), and TOL/TNW (Total Outside Liabilities to Tangible Net Worth) evaluation.
Auditing standards, forensic accounting red flags, and window-dressing detection in corporate accounts.
Credit Management & Appraisal :
Principles of lending, canons of lending, and safety-liquidity-profitability balance.
Credit appraisal process: Techno-economic viability (TEV) study, financial appraisal, management evaluation, and market/industry analysis.
Fund-based limits (Cash Credit, Overdraft, Term Loans, Bill Discounting) and non-fund-based limits (Letters of Credit - LC, Bank Guarantees - BG).
Project finance: Means of finance, cost of project, sensitivity analysis, and appraisal of term loans for greenfield/brownfield expansions.
Consortium lending, multiple banking arrangements (MBA), syndication, and joint-lending arrangements (JLA).
Credit Risk Assessment & Rating :
Credit risk evaluation frameworks, scoring models, and internal/external credit rating agencies (CRISIL, ICRA, CARE, etc.).
Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD).
Collateral security management: Creation of charge (Mortgage, Pledge, Hypothecation, Assignment), valuation of assets, and perfection of securities.
Corporate Banking & Specialized Financing :
Working capital management and structured finance solutions.
MSME financing schemes, Mudra loans, CGTMSE coverage, and Priority Sector Lending (PSL) guidelines.
Export-Import (EXIM) financing: Pre-shipment and post-shipment credit, Buyer's/Seller's credit, FEMA guidelines, and UCPDC norms for Letters of Credit.
Corporate debt restructuring (CDR), Stressed assets management, One-Time Settlement (OTS), and asset reconstruction companies (ARCs).
Banking Regulations, Legal Framework & Compliance :
RBI guidelines on income recognition, asset classification (IRAC norms), and provisioning for Non-Performing Assets (NPAs).
Basel III norms: Capital Adequacy Ratio (CAR), Tier 1 and Tier 2 capital, risk-weighted assets (RWA), and leverage ratios.
Legal frameworks: SARFAESI Act, Insolvency and Bankruptcy Code (IBC), Recovery of Debts and Bankruptcy (RDB) Act, Negotiable Instruments Act, and Companies Act provisions relevant to corporate borrowing.
Prevention of Money Laundering Act (PMLA), KYC, and Know Your Customer guidelines for corporate entities.
Bank of Baroda SO Exam Pattern 2026
Duration : 120 Minutes
Negative Marking : 0.25
Exam Date 2026 : Notified Soon
Starting Date of Application Form : 04th September 2026
Last Date of Application Form : 16th October 2026
Total Post : 1100
Bank of Baroda SO Syllabus 2026 - Overview
| Organization Name | Bank of Baroda (BOB) |
| Advt. No. | BOB/HRM/REC/ADVT/2026/17 |
| Cadre | Specialist Officer (SO) |
| Post Name | Wealth Executive and Credit Analyst – C&IC |
| Total Post | 1100 |
| Application Mode | Online |
| Category | Syllabus and Exam Pattern |
| Selection Process | Online Test, Psychometric Test, Group Discussion & Interview |
| Job Location | All over India |
| Official Website | https://bankofbaroda.bank.in/ |
Bank of Baroda SO Syllabus 2026
English Language :
1. Fill in the Blanks
2. Sentence Rearrangement
3. Idioms & Phrases
4. Vocabulary
5. Verb
6. Unseen Passages
7. Comprehension
8. Grammar
9. Subject-Verb Agreement
10. Tenses
11. Articles
12. Synonyms
13. Adverb
14. Antonyms
15. Error Correction
Reasoning :
1. Analogy
2. Coding-Decoding
3. Clocks & Calendars
4. Decision Making
5. Number Series
6. Non-Verbal Series
7. Number Ranking
8. Alphabet Series
9. Cubes and Dice
10. Directions
11. Blood Relations
12. Statements & Conclusions
13. Mirror Images
14. Arithmetical Reasoning
Quantitative Aptitude :
1. Percentages
2. Average
3. HCF & LCM
4. Profit and Loss
5. Time and Work
6. Decimal & Fractions
7. Mixtures & Allegations
8. Data Interpretation
9. Number System
10. Simple & Compound Interest
11. Simplification
12. Ratio and Proportions
13. Problems on Ages
14. Time and Distance
General / Economic & Banking Awareness :
1. Current Affairs
2. GK Updates
3. Currencies
4. Important Places
5. Banking Awareness
6. Awards
7. Book And Author
8. Important Days
9. Headquater
10.Prime minster Scheme
Professional Knowledge : (Expected)
Wealth Executive :
Wealth Management Fundamentals & Financial Planning :
Concept of wealth management, advisory lifecycle, and client profiling (risk appetite, risk tolerance, and investment horizon).
Financial planning process: goal planning, cash flow management, retirement planning, and children's education/marriage planning.
Asset allocation strategies (tactical vs. strategic asset allocation) and portfolio construction basics.
Investment Products & Markets :
Mutual Funds: Detailed structures of open-ended, close-ended, and interval schemes; equity, debt, hybrid, and solution-oriented funds; active vs. passive management (index funds and ETFs).
Portfolio Management Services (PMS): Discretionary and non-discretionary PMS, fee structures, and regulations.
Fixed Income & Debt Instruments: Government securities, Treasury bills, corporate bonds, debentures, tax-free bonds, and yield curve concepts.
Alternative Investment Funds (AIFs) & Structured Products: Categories I, II, and III AIFs, market-linked debentures (MLDs), and derivatives basics.
Insurance & Risk Protection Products:
Life insurance products (Term, Endowment, ULIPs, Whole Life) and health insurance/general insurance basics.
Role of insurance in estate planning and risk mitigation for high-net-worth individuals (HNIs).
Taxation & Legal Aspects for Investors :
Capital gains taxation (Short-Term Capital Gains vs. Long-Term Capital Gains on equity, debt, and real estate).
Tax-saving instruments and deductions under the Income Tax Act.
Basics of estate planning: wills, trusts, succession acts, and HUF (Hindu Undivided Family) taxation.
Regulatory & Compliance Framework:
Role and guidelines of regulatory bodies: SEBI, RBI, IRDAI, and AMFI.
Know Your Customer (KYC), Anti-Money Laundering (AML), and Foreign Account Tax Compliance Act (FATCA) norms.
Code of conduct and ethical standards for wealth distributors and advisors.
Banking Products & Cross-Selling:
High-value retail liability products (savings and current accounts for affluent clients), NRI banking services (NRE, NRO, FCNR accounts), and credit offerings.
Cross-selling strategies and relationship management techniques for client acquisition and retention.
Credit Analyst – C&IC Syllabus : (Expected)
Financial Statement Analysis & Corporate Accounting :
Advanced Balance Sheet, Profit & Loss Account, and Cash Flow Statement analysis.
In-depth ratio analysis (Liquidity, Leverage, Activity, and Profitability ratios).
Working capital assessment techniques: Operating cycle method, Turnover method, and Cash Budget method (MPBF - Maximum Permissible Bank Finance as per Tandon/Chore committee norms).
Break-even analysis, DSCR (Debt Service Coverage Ratio), ISCR (Interest Service Coverage Ratio), and TOL/TNW (Total Outside Liabilities to Tangible Net Worth) evaluation.
Auditing standards, forensic accounting red flags, and window-dressing detection in corporate accounts.
Credit Management & Appraisal :
Principles of lending, canons of lending, and safety-liquidity-profitability balance.
Credit appraisal process: Techno-economic viability (TEV) study, financial appraisal, management evaluation, and market/industry analysis.
Fund-based limits (Cash Credit, Overdraft, Term Loans, Bill Discounting) and non-fund-based limits (Letters of Credit - LC, Bank Guarantees - BG).
Project finance: Means of finance, cost of project, sensitivity analysis, and appraisal of term loans for greenfield/brownfield expansions.
Consortium lending, multiple banking arrangements (MBA), syndication, and joint-lending arrangements (JLA).
Credit Risk Assessment & Rating :
Credit risk evaluation frameworks, scoring models, and internal/external credit rating agencies (CRISIL, ICRA, CARE, etc.).
Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD).
Collateral security management: Creation of charge (Mortgage, Pledge, Hypothecation, Assignment), valuation of assets, and perfection of securities.
Corporate Banking & Specialized Financing :
Working capital management and structured finance solutions.
MSME financing schemes, Mudra loans, CGTMSE coverage, and Priority Sector Lending (PSL) guidelines.
Export-Import (EXIM) financing: Pre-shipment and post-shipment credit, Buyer's/Seller's credit, FEMA guidelines, and UCPDC norms for Letters of Credit.
Corporate debt restructuring (CDR), Stressed assets management, One-Time Settlement (OTS), and asset reconstruction companies (ARCs).
Banking Regulations, Legal Framework & Compliance :
RBI guidelines on income recognition, asset classification (IRAC norms), and provisioning for Non-Performing Assets (NPAs).
Basel III norms: Capital Adequacy Ratio (CAR), Tier 1 and Tier 2 capital, risk-weighted assets (RWA), and leverage ratios.
Legal frameworks: SARFAESI Act, Insolvency and Bankruptcy Code (IBC), Recovery of Debts and Bankruptcy (RDB) Act, Negotiable Instruments Act, and Companies Act provisions relevant to corporate borrowing.
Prevention of Money Laundering Act (PMLA), KYC, and Know Your Customer guidelines for corporate entities.
Bank of Baroda SO Exam Pattern 2026
Duration : 120 Minutes
Negative Marking : 0.25
| S.No | Subject | No.of Question | Marks |
| 1 | English Language | 20 | 20 |
| 2 | Reasoning Ability & Quantitative Aptitude | 20 | 20 |
| 3 | General / Economic & Banking Awareness | 20 | 20 |
| 4 | Professional Knowledge related to the Position |
60 | 60 |
| Total | 120 | 120 |
Exam Date 2026 : Notified Soon
Starting Date of Application Form : 04th September 2026
Last Date of Application Form : 16th October 2026
Total Post : 1100
FAQs
Bank of Baroda SO (wealth Executive and Credit Analyst – C&IC) 2026 Exam Syllabus Frequently Asked Questions (FAQ's)
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