PNB SO Exam Analysis 2025: The Punjab National Bank (PNB) successfully conducted the Specialist Officer (SO) Exam 2025 on 5th May 2025 for posts like Credit Officer in online mode across various centers nationwide. The exam tested candidates on general aptitude and professional knowledge, with the overall level ranging from moderate to slightly challenging in some sections. This detailed PNB SO Exam Analysis 2025 offers a breakdown of the difficulty level, a good number of attempts, and a section-wise analysis to help candidates understand the exam pattern and prepare better for upcoming banking exams.
PNB SO Exam 2025, Overall Difficulty Level & Good Attempts
The overall level of the exam was moderate, with candidates reporting that professional knowledge was more detailed and technical. Reasoning and quantitative aptitude required focus and time management, while the English language section was easier in comparison.
| Section | Difficulty Level | Good Attempts (Accurate) |
| Reasoning | Moderate | 18–22 |
| English Language | Easy to Moderate | 20–23 |
| Quantitative Aptitude | Moderate | 25–30 |
| Professional Knowledge | Moderate to Difficult | 30–35 |
| Overall | Moderate | 90–105 |
PNB SO Exam 2025, Section-Wise Analysis
Each section of the exam carried significant weight and was crucial in determining overall performance. Let’s look at the detailed breakdown:
PNB SO Reasoning Ability Analysis
The Reasoning section focused heavily on puzzles and seating arrangements. Questions on syllogisms, coding-decoding, and data sufficiency were also included. Puzzles were slightly lengthy but manageable with good practice.
| Topic | Number of Questions |
| Seating Arrangement (Two Rows people) | 5 |
| Puzzle (Floor Based—6 Floors) | 5 |
| Puzzle (Year-Based) | 5 |
| Data Sufficiency | 2 |
| Syllogism | 5 |
| Odd One Out | 1 |
| Meaningful Word | 1 |
| Backward & Forward Pattern | 1 |
| Total | 25 |
PNB SO Quantitative Aptitude Analysis
Quantitative Aptitude featured a mix of data interpretation, arithmetic, and number-based questions. While DI dominated the paper, arithmetic topics were also widely covered. A few questions were calculation-heavy, making time management important.
| Topic | Number of Questions |
| DI – Pie Chart | 5 |
| DI – Table | 5 |
| DI – Bar Graph | 5 |
| DI – Caselet | 5 |
| Missing Number Series | 5 |
| Quadratic Equations | 5 |
| Approximation | 5 |
| Arithmetic (Mixed Topics) | 15 |
| Total | 50 |
PNB SO English Language Analysis
The English Language section was easy to moderate in difficulty. Most questions were based on reading comprehension, grammar, and sentence rearrangement. Those with a good grasp of vocabulary and reading skills found it straightforward.
| Topic | Number of Questions |
| Reading Comprehension (Theme: Rejuvenation) | 9 |
| Word Arrangement | 5 |
| Error Detection | 5 |
| Column-Based Matching | 3 |
| Sentence Rearrangement | 3 |
| Total | 25 |
PNB SO Professional Knowledge Analysis
Professional knowledge was the most critical and technical part of the paper. Questions focused on government schemes, financial terms, and banking processes, especially relevant to credit officers. Accuracy and familiarity with industry terms were vital.
| Key Areas Covered | Topics Asked |
| Government Schemes | CGTMSE, Mudra, Stand Up India, PM Surya, PM Svanidhi |
| Banking Concepts | Lead Bank Scheme, DRI, Green Banking, Mortgage, Commercial Paper |
| Financial Instruments & Terms | Letter of Credit, NEFT, SWIFT, CRICL, Working Capital |
| Financial Analysis | Financial Ratios, CIBIL Score, Large & Wilful Defaulters |
| Credit Processes | Credit Appraisal, SHG Maturity, NPA |
| Budget & Economy | Union Budget 2023-24, Static GK, Committees, Current Affairs |
This section tested real-world knowledge and application-level understanding and was a key factor in the overall performance.
PNB SO Exam Analysis 2025—FAQs
The overall difficulty level of the PNB SO Credit Officer Exam 2025 was moderate. While sections like Reasoning and Quantitative Aptitude were balanced, Professional Knowledge was more technical and required in-depth preparation.
Good attempts for the PNB SO 2025 exam range between 90 to 105 questions, depending on accuracy. Candidates who managed their time well and attempted more in Professional Knowledge had a better chance of qualifying.
The Professional Knowledge section was the toughest in the PNB SO Credit Officer Exam 2025. It included technical questions on banking schemes, financial ratios, credit processes, and other domain-specific topics.
Yes, the English Language section in the PNB SO 2025 exam was considered easy to moderate. It included Reading Comprehension, Error Detection, Sentence Rearrangement, and vocabulary-based questions.
The Professional Knowledge section covered topics such as Mudra Scheme, CGTMSE, Credit Appraisal Process, Financial Ratios, NEFT, SWIFT, and NPA. Candidates were tested on their understanding of credit-related banking operations.
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