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Indian Overseas Bank SO (Manager & Senior Manager - Corporate Credit) Syllabus 2026 & Exam Pattern
Indian Overseas Bank SO (Manager & Senior Manager - Corporate Credit) Syllabus 2026, Exam Pattern, Exam Date 2026
Detail Information about Indian Overseas Bank (IOB) has published notification 2026 for the recruitment of Specialist Officer (SO) (Manager & Senior Manager - Corporate Credit) 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.
Indian Overseas Bank SO Syllabus 2026 - Overview
| Organization Name | Indian Overseas Bank (IOB) |
| Post Name | Specialist Officer (SO) - Manager & Senior Manager - Corporate Credit |
| Vacancies | Notified Soon |
| Application | Mode Online |
| Category | Syllabus and Exam Pattern |
| Official | Website www.iob.in |
Indian Overseas Bank SO (Manager & Senior Manager - Corporate Credit) Syllabus 2026
English Language :
1. Verb
2. Active Voice and Passive voice
3. Subject-Verb Agreement
4. Articles
5. Comprehension
6. Adverb
7. Error Correction
8. Sentence Rearrangement
9. Fill in the Blanks
10. Unseen Passages
11. Tenses and its types
12. Vocabulary
13. Antonyms
14. Synonyms
15. Grammar
16. Idioms & Phrases
General Awareness with Special reference to Banking Industry.
1. Indian Economy & Economic Policies
Growth trends, GDP, inflation, fiscal policy, monetary policy.
Government budget, economic surveys, and recent economic reforms.
Key economic indicators and their implications.
2. Reserve Bank of India (RBI)
Functions, roles, and objectives of RBI.
Monetary Policy: Repo rate, Reverse Repo rate, CRR, SLR, MSF, OMO.
Recent RBI regulations, guidelines, notifications.
Latest RBI circulars and monetary policy announcements.
3. Banking Regulations & Acts
Banking Regulation Act, Negotiable Instruments Act, SARFAESI Act, DICGC Act.
Prevention of Money Laundering Act (PMLA).
Regulatory frameworks and compliance requirements.
4. Financial Institutions in India
Structure and roles of Scheduled Commercial Banks, Co-operative Banks, Regional Rural Banks.
NBFCs, SIDBI, NABARD, EXIM Bank, NHB, SEBI, IRDAI, PFRDA.
Their latest developments, scope, mergers, and policy changes.
5. Banking & Financial Awareness
Indian Financial System – roles of regulatory bodies (RBI, SEBI, NABARD, IRDAI, etc.).
Indian Money Market & Capital Market: instruments like shares, bonds, debentures, derivatives.
Banking terms and concepts: NEFT, RTGS, IMPS, UPI, AEPS, KYC, NPA, Basel Norms.
Types of bank accounts (savings, current, FD, RD) and loan products.
Digital banking, e-wallets, fintech, payment banks, small finance banks.
6. Current Affairs (Banking, Finance & Economy)
National and international news with financial relevance.
Summits, conferences, and bilateral agreements.
Major banking/financial appointments and resignations.
Economic indicators: inflation, forex, interest rates, repo changes.
Awards and recognitions in the finance/banking sector.
7. Government Schemes & Financial Inclusion
Pradhan Mantri Jan Dhan Yojana (PMJDY).
Atal Pension Yojana (APY).
Digital India initiatives, DBT, PM Kisan, Stand-Up India, MUDRA Yojana.
Financial literacy and inclusion programs.
8. Important Banking Terms & Abbreviations
CRR, SLR, Repo, Reverse Repo, MCLR, LAF, NPA, CASA.
Basel Norms, Priority Sector Lending (PSL).
Common banking and insurance abbreviations.
9. Budget, Economic Survey & Financial Reports
Union Budget highlights.
Railway and Finance Budget.
Key takeaways from the Economic Survey.
Reports from IMF, World Bank, RBI, and SEBI.
10. Recent Banking Mergers & Acquisitions
Recent bank mergers and consolidations.
PSU bank mergers and their impact.
Latest tie-ups and acquisitions in the financial industry.
11. Static General Knowledge (Relevant to Banking/Economy)
Important days related to banking and economy (e.g., Financial Literacy Week, World Savings Day).
Books & Authors related to finance/economics.
Capitals, currencies, headquarters of international financial institutions (IMF, World Bank, ADB, AIIB, WTO).
12. Miscellaneous
Banking technology trends: UPI 2.0/3.0, CBDC, blockchain, digital rupee.
Cybersecurity in banking and payment systems.
Global financial institutions influencing Indian economy.
Professional Knowledge Syllabus :
Manager & Senior Manager – Corporate Credit)
1. Corporate Credit Fundamentals
(i) Principles of Lending – Safety, Liquidity, Profitability
(ii) Types of Borrowers: Corporates, LLPs, Government undertakings, Public-Private firms
(iii) Types of Credit Facilities: Term Loans, Working Capital Finance, Overdrafts, Cash Credit, Bills Discounting, Project & Infrastructure Finance, Syndicated Loans
2. Financial Statement Analysis
(i) Balance Sheet, Profit & Loss, and Cash Flow analysis
(ii) Ratio Analysis: Liquidity, Profitability, Leverage, Efficiency, Coverage ratios
(iii) Fund Flow & Trend Analysis
(iv) Common-size financials, peer benchmarking, DuPont analysis
3. Credit Appraisal and Risk Management
(i) Credit Appraisal Process: Due diligence, risk rating, and borrower assessment
(ii) Risk Types: Credit risk, Market risk, Operational risk, Liquidity risk, Industry/Management risk
(iii) Collateral, Security, and Guarantees
(iv) Loan Documentation: Covenants, Conditions Precedent, Terms & Conditions
4. Working Capital Management
(i) Concepts: Gross & Net Working Capital, Operating Cycle
(ii) Cash, Inventory, and Debtors’ Management
(iii) Assessment of Working Capital Finance (MPBF, Tandon Committee, Nayak Committee norms)
(iv) Cash Credit & Bill Finance norms
5.Corporate & Project Finance
(i) Capital Budgeting techniques: NPV, IRR, Payback, Sensitivity analysis
(ii) Project Appraisal: Technical, Economic, Financial, and Environmental viability
(iii) Project financing structures, consortium/syndication, escrow mechanisms
(iv) Advanced topics: Mergers & Acquisitions, Structured Finance, Leveraged Buyouts
6. Trade Finance & Forex Management
(i) Trade Finance Products: Letters of Credit, Bank Guarantees, Documentary Collections, Export-Import Finance
(ii) UCP 600, Incoterms, FEMA guidelines
(iii) Basics of Forex markets: Spot, Forward, SWAP, Options
(iv) Currency Risk Management: Hedging tools, Derivatives
7. Banking Regulations & Compliance
(i) RBI Guidelines on Corporate Lending, Prudential norms, Exposure limits
(ii) Basel II & Basel III norms – Credit Risk, Capital Adequacy, Risk-weighted assets
(iii) KYC, AML, and CFT guidelines in corporate banking
(iv) Regulatory reporting & compliance in lending
8. NPA Management & Recovery
(i) Identification and Classification of NPAs
(ii) RBI Prudential Norms on Income Recognition, Asset Classification, and Provisioning (IRACP)
(iii) Recovery mechanisms: SARFAESI Act, DRT, IBC (Insolvency & Bankruptcy Code)
(iv) Restructuring schemes and One-Time Settlement (OTS)
9. Valuation, Pricing & Structuring of Credit
(i) Loan pricing models, risk premium, credit spreads
(ii) Repayment structures: Amortization, Bullet repayments, Ballooning structures
(iii) Financial covenants and monitoring compliance
10. Portfolio Management, Monitoring & Early Warning Systems
(i) Credit Portfolio Diversification: Sector, Group, and Industry exposure
(ii) Monitoring tools: Early Warning Signals (EWS), Red Flag Accounts (RFA)
(iii) Stress Testing and Sensitivity Analysis
(iv) MIS & data analytics in credit monitoring
11. Macroeconomics & Industry Analysis
(i) Key indicators affecting credit: GDP, Inflation, Policy Rates, Fiscal deficit
(ii) Sectoral/Industry analysis and risk assessment
(iii) Global factors affecting corporate lending
12. Advanced Corporate Finance (For Senior Manager Level)
(i) Financial Modelling basics for credit appraisal
(ii) Derivatives: Swaps, Futures, Options for hedging corporate risks
(iii) Structured Finance instruments (Securitization, CLOs, Credit Enhancements)
(iv) Risk-adjusted return on capital (RAROC), EVA, ALM concepts
13. Ethics, Governance & ESG in Lending
(i) Ethical lending practices and governance standards
(ii) Corporate Governance assessment of borrowers
(iii) ESG factors in credit appraisal (environmental/social impact)
(iv) Avoidance of conflict of interest in corporate credit
Indian Overseas Bank SO (Manager & Senior Manager – Corporate Credit) Exam Pattern 2026
Duration : 2 hours
Negative Marking : 0.25
| S.No. | Subject | No.of Question | Marks |
| 1. | English Language | 25 | 25 |
| 2. | General Awareness with Special reference to Banking Industry | 25 | 25 |
| 3. | Professional Knowledge | 50 | 50 |
| Total | 100 | 100 |
Exam Date : Notified Soon
Starting Date of Application Form : Notified Soon
Last Date of Application Form : Notified Soon
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