The Bank of India Credit Officer Professional Knowledge Practice Quiz is a useful resource for candidates preparing for the online exam scheduled to be held on 16th August 2026. The Professional Knowledge section carries the highest weightage, with 100 questions for 100 marks, making it an important part of the overall preparation. The quiz covers key areas such as banking, credit appraisal, working capital, financial analysis, risk management, NPA, recovery, and regulatory guidelines.
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The Bank of India Credit Officer Professional Knowledge Practice Quiz has been prepared as per the latest exam pattern and syllabus. It includes questions from important topics such as banking, credit appraisal, working capital, financial analysis, project finance, risk management, NPA, recovery, and RBI guidelines.
Attempt Bank of India Credit Officer Professional Knowledge Practice Quiz
Regularly practising Professional Knowledge questions can help candidates improve their understanding of important banking and credit concepts. Solving quizzes and mock tests can also help improve speed, accuracy, and confidence for the actual examination.
1. Which of the following instruments is used by RBI under the Liquidity Adjustment Facility (LAF) to absorb excess liquidity from banks, rather than inject it?
2. The Marginal Standing Facility (MSF) allows banks to borrow overnight funds from RBI:
3. Open Market Operations (OMO) conducted by RBI primarily involve:
4. Which of the following is NOT a function performed by RBI?
5. A Scheduled Commercial Bank is one that is included in which schedule of the RBI Act, 1934?
6. Small Finance Banks are primarily licensed by RBI to serve:
7. Payments Banks, as licensed by RBI, are restricted from:
8. The apex development financial institution regulating and refinancing rural credit in India is:
9. SIDBI was established primarily to:
10. The MCLR (Marginal Cost of Funds based Lending Rate) system replaced which earlier benchmark lending rate regime?
11. External Benchmark Lending Rate (EBLR), mandated by RBI for certain loan categories, must be linked to a benchmark such as:
12. A Non-Banking Financial Company – Systemically Important (NBFCSI) is generally one having an asset size at or above the RBI-prescribed threshold, currently set at:
13. Under the Scale-Based Regulation framework for NBFCs, which layer carries the strictest, most bank-like regulatory requirements?
14. The apex body responsible for regulating housing finance companies since August 2019 is:
15. A commercial bank’s Net Interest Margin (NIM) is best defined as:
16. Which of the following deposit products typically carries a mandatory lock-in period during which premature withdrawal is not permitted?
17. The Deposit Insurance and Credit Guarantee Corporation (DICGC) insures bank deposits up to:
18. A Certificate of Deposit issued by scheduled commercial banks can have a minimum maturity of:
19. In credit appraisal, ‘gearing ratio’ is essentially another term for:
20. While appraising a term loan proposal, the Break-Even Point (BEP) helps the bank assess:
Quiz Summary
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Why should candidates attempt the BOI Credit Officer Professional Knowledge Practice Quiz?
The Professional Knowledge section tests candidates on topics directly related to the Credit Officer role. Practising topic-based questions helps candidates understand how banking and credit concepts can be asked in the examination. It also helps them identify weak areas and revise important concepts before the exam. Candidates should attempt the quiz in a time-bound manner and analyse their answers after completing it.
- Understand the Professional Knowledge question pattern
- Revise important banking and credit concepts
- Improve speed and accuracy
- Identify weak topics
- Practise application-based questions
- Improve question selection
- Build exam confidence
- Strengthen conceptual clarity
What is the Professional Knowledge exam pattern for Bank of India Credit Officer?
The Professional Knowledge section consists of 100 objective questions carrying 100 marks. It is the largest section of the online exam and has a major role in the overall preparation strategy. The test is available in English and Hindi, while the English Language test is available only in English. Candidates get a composite time of 120 minutes for both sections of the online examination.
| Section | Questions | Marks | Medium |
|---|---|---|---|
| English Language | 25 | 25 | English |
| Professional Knowledge | 100 | 100 | English & Hindi |
| Total | 125 | 125 | Bilingual except English |
Also Check: BOI Credit Officer Exam Date 2026
Which topics are covered in the BOI Credit Officer Professional Knowledge Quiz?
The quiz covers the major areas mentioned in the Professional Knowledge syllabus. Candidates should prepare banking concepts along with credit appraisal, lending, financial statements, working capital, project finance, risk management, asset quality, recovery, and regulatory compliance. Questions can be direct, conceptual, numerical, or based on practical banking situations.
| Area | Important Topics |
| Banking System | Indian Banking System, RBI Functions, Commercial Banks, NBFCs, Deposit Products |
| Credit Appraisal | Credit Assessment, Loan Appraisal, Credit Policies, Fund-based & Non-fund-based Limits |
| Credit Management | Principles of Lending, Credit Monitoring, Post-sanction Compliance |
| Types of Lending | Retail, MSME, Corporate, Agriculture & Consumer Loans |
| Financial Analysis | Balance Sheet, Profit & Loss Account, Ratio Analysis, Cash Flow |
| Working Capital & Project Finance | MPBF, Working Capital Assessment, Project Appraisal, DSCR |
| Risk Management | Credit Risk, Basel Norms, Capital Adequacy, Risk Mitigation |
| Asset Quality | NPA Classification, SMA Accounts, Provisioning Norms |
| Recovery & Legal Framework | SARFAESI Act, Recovery Mechanisms, Asset Reconstruction |
| Priority Sector Lending | RBI PSL Guidelines, MSME Classification, Government Credit Schemes |
| Regulatory Compliance | RBI Guidelines, KYC, AML, Exposure Norms |
Also Check: BOI Credit Officer Admit Card
Which Professional Knowledge topics should candidates revise first?
Candidates should give priority to topics that are closely related to credit and lending activities. Working capital, credit appraisal, financial statement analysis, project finance, risk management, NPA, recovery, and RBI guidelines are important areas for focused revision. Candidates should also practise numerical questions related to financial ratios, MPBF, DSCR, and project appraisal. Revising these topics regularly can help candidates handle both direct and application-based questions.
| Priority Area | Topics to Revise |
| Credit & Lending | Credit Appraisal, Principles of Lending, Loan Assessment |
| Working Capital | MPBF, Tandon Committee, Turnover Method, Cash Budget Method |
| Financial Analysis | Current Ratio, Quick Ratio, Balance Sheet, P&L |
| Project Finance | DSCR, IRR, NPV, Project Appraisal |
| Risk Management | Credit Risk, Basel Norms, Capital Adequacy |
| Asset Quality | NPA, SMA, Provisioning |
| Recovery | SARFAESI Act, Recovery Mechanisms |
| Banking Regulations | RBI Guidelines, KYC, AML, Exposure Norms |
| Priority Sector | PSL Guidelines, MSME Lending, Government Credit Schemes |
What types of questions should candidates practise for Professional Knowledge?
Candidates should practise a mix of concept-based, numerical, and practical questions. For example, questions can be asked on MPBF calculation, current and quick ratios, DSCR, credit appraisal, bank guarantees, NPA classification, RBI regulations, and recovery laws. Candidates should focus on understanding the reason behind each answer instead of only memorising the correct option.
| Question Type | Areas to Practise |
| Concept-based | Banking, Credit, Lending, Risk Management |
| Numerical | MPBF, Ratios, DSCR, Project Finance |
| Application-based | Credit Appraisal, Working Capital, Loan Assessment |
| Regulatory | RBI Guidelines, KYC, AML, PSL |
| Legal | SARFAESI, Recovery Mechanisms |
| Financial | Balance Sheet, P&L, Cash Flow |
FAQs
The Professional Knowledge section has 100 questions carrying 100 marks.
The Professional Knowledge test is available in English and Hindi.
Credit appraisal, working capital, financial analysis, project finance, risk management, NPA, recovery, and RBI guidelines are important areas.
Yes, it carries 100 out of 125 total marks, making it the most important section by weightage.
Yes, candidates should practise questions based on MPBF, financial ratios, DSCR, and project finance.
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